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BankFinancial (BankFinancial) Return-on-Tangible-Equity : 4.39% (As of Mar. 2024)


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What is BankFinancial Return-on-Tangible-Equity?

Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. BankFinancial's annualized net income for the quarter that ended in Mar. 2024 was $6.84 Mil. BankFinancial's average shareholder tangible equity for the quarter that ended in Mar. 2024 was $155.71 Mil. Therefore, BankFinancial's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2024 was 4.39%.

The historical rank and industry rank for BankFinancial's Return-on-Tangible-Equity or its related term are showing as below:

BFIN' s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 3.61   Med: 5.7   Max: 20.96
Current: 5.5

During the past 13 years, BankFinancial's highest Return-on-Tangible-Equity was 20.96%. The lowest was 3.61%. And the median was 5.70%.

BFIN's Return-on-Tangible-Equity is ranked worse than
77.56% of 1457 companies
in the Banks industry
Industry Median: 10.7 vs BFIN: 5.50

BankFinancial Return-on-Tangible-Equity Historical Data

The historical data trend for BankFinancial's Return-on-Tangible-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

BankFinancial Return-on-Tangible-Equity Chart

BankFinancial Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Return-on-Tangible-Equity
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.46 5.28 4.49 6.79 6.12

BankFinancial Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Return-on-Tangible-Equity Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 6.93 6.07 6.19 5.38 4.39

Competitive Comparison of BankFinancial's Return-on-Tangible-Equity

For the Banks - Regional subindustry, BankFinancial's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


BankFinancial's Return-on-Tangible-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, BankFinancial's Return-on-Tangible-Equity distribution charts can be found below:

* The bar in red indicates where BankFinancial's Return-on-Tangible-Equity falls into.



BankFinancial Return-on-Tangible-Equity Calculation

BankFinancial's annualized Return-on-Tangible-Equity for the fiscal year that ended in Dec. 2023 is calculated as

Return-on-Tangible-Equity=Net Income/( (Total Tangible Equity+Total Tangible Equity)/ count )
(A: Dec. 2023 )  (A: Dec. 2022 )(A: Dec. 2023 )
=Net Income/( (Total Stockholders Equity - Intangible Assets+Total Stockholders Equity - Intangible Assets )/ count )
(A: Dec. 2023 )  (A: Dec. 2022 )(A: Dec. 2023 )
=9.393/( (151.671+155.383 )/ 2 )
=9.393/153.527
=6.12 %

BankFinancial's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2024 is calculated as

Return-on-Tangible-Equity=Net Income/( (Total Tangible Equity+Total Tangible Equity)/ count )
(Q: Mar. 2024 )  (Q: Dec. 2023 )(Q: Mar. 2024 )
=Net Income/( (Total Stockholders Equity - Intangible Assets+Total Stockholders Equity - Intangible Assets)/ count )
(Q: Mar. 2024 )  (Q: Dec. 2023 )(Q: Mar. 2024 )
=6.84/( (155.383+156.031)/ 2 )
=6.84/155.707
=4.39 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data, the net income data used here is four times the quarterly (Mar. 2024) net income data. Return-on-Tangible-Equity is displayed in the 10-year financial page.


BankFinancial  (NAS:BFIN) Return-on-Tangible-Equity Explanation

Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.


Be Aware

Net Income is used.

Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.

Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.


BankFinancial Return-on-Tangible-Equity Related Terms

Thank you for viewing the detailed overview of BankFinancial's Return-on-Tangible-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.


BankFinancial (BankFinancial) Business Description

Traded in Other Exchanges
N/A
Address
60 North Frontage Road, Burr Ridge, IL, USA, 60527
BankFinancial Corp is the bank holding company of BankFinancial, F.S.B. The company is a full-service, national bank principally engaged in the business of commercial, family and personal banking. It offers customers a broad range of loan, deposit, trust and other financial products and services. The Bank offers customers a broad range of loan, deposit, trust and other financial products and services through all full-service banking offices located in Cook, DuPage, Lake and Will Counties, Illinois and through Internet Branch.
Executives
Aaron J O'connor other: Director - Affiliate 60 N FRONTAGE RD, STE 130, BURR RIDGE IL 60527
Debra Zukonik director 60 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
Glen Wherfel other: Director of Affiliate 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
John G Manos officer: Regional President - Affiliate 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
Thomas F Oneill director C/O HARMON & CRAVEN LLP, 488 MADISON AVE, NEW YORK NY 10022
John M Hausmann director 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
James J Brennan officer: EVP and Corporate Secretary 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
Deutsch William J. Jr. officer: Leasing President - Affiliate 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
F Morgan Gasior director, officer: Chairman, CEO & President 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
Terry R Wells director 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
Paul A Cloutier officer: EVP & Chief Financial Officer 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
Patricia Smith officer: EVP 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
Gregg T Adams officer: EVP of Affiliate 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
Joseph A Schudt director 15W060 NORTH FRONTAGE ROAD, BURR RIDGE IL 60527
John W Palmer director C/O SECURITY FINANCIAL BANCORP INC, 9321 WICKER AVE, ST JOHN IN 46373

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