BankFinancial (BFIN) could be a solid addition to your portfolio given its recent upgrade to a Zacks Rank #2 (Buy). This rating change essentially reflects an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices.The Zacks rating relies solely on a company's changing earnings picture. It tracks EPS estimates for the current and following years from the sell-side analysts covering the stock through a consensus measure -- the Zacks Consensus Estimate.The power of a chang ...

Financial Performance - The company reported net income of $2.1 million, or $0.17 per common share, for the quarter ended March 31, 2025[86]. - Net income for the three months ended March 31, 2025, was $2.1 million, compared to $1.7 million for the same period in 2024, with earnings per share increasing to $0.17 from $0.14[110]. - The effective tax rate decreased to 17.2% for the three months ended March 31, 2025, compared to 22.6% for the same period in 2024[124]. Assets and Liabilities - Total assets increased to $1.442 billion, total loans decreased to $841.1 million, and total deposits rose to $1.233 billion as of March 31, 2025[86]. - Total assets increased by $7.3 million, or 0.5%, to $1.442 billion at March 31, 2025, from $1.435 billion at December 31, 2024[105]. - Total liabilities increased by $6.2 million, or 0.5%, to $1.285 billion at March 31, 2025, driven by an increase in total deposits[108]. Income and Expenses - Net interest income decreased by $182,000 primarily due to declines in healthcare finance lines of credit, while the net interest margin remained stable at 3.50%[87]. - Noninterest income increased by $64,000, driven by higher trust department income and deposit service charges[88]. - Noninterest expense decreased by $287,000 due to reductions in base compensation and payroll taxes[89]. - Total noninterest expense decreased by $854,000, or 7.3%, to $10.9 million for the three months ended March 31, 2025, compared to $11.8 million for the same period in 2024[122]. Deposits - Total deposits increased by $15.4 million, with core deposits representing 81% of total deposits as of March 31, 2025[96]. - Total deposits increased by $15.4 million, or 1.3%, to $1.233 billion at March 31, 2025, with interest-bearing NOW accounts rising by $11.8 million, or 4.3%[108]. Credit Quality - The ratio of nonperforming assets to total assets improved to 1.23% as of March 31, 2025, with expectations of a $5.6 million cash settlement in the second quarter[94]. - Nonperforming assets decreased by $574,000 to $17.8 million at March 31, 2025, compared to $18.3 million at December 31, 2024[128]. - The ratio of nonperforming assets to total assets was 1.23% as of March 31, 2025, down from 1.28% as of December 31, 2024[128]. - The allowance for credit losses as a percentage of nonperforming loans was 44.35% at March 31, 2025, compared to 44.71% at December 31, 2024[120]. - The recovery of credit losses for the three months ended March 31, 2025, was $261,000, compared to a provision for credit losses of $61,000 recorded for the same period in 2024[119]. - Total criticized and classified loans decreased to $12.3 million as of March 31, 2025, from $11.8 million as of December 31, 2024[125]. - The allowance for credit losses to total loans ratio was 0.86% as of March 31, 2025, compared to 0.85% as of December 31, 2024[127]. Capital Management - The company's Tier 1 leverage ratio remained strong at 10.91% as of March 31, 2025[97]. - As of March 31, 2025, the Bank's Community Bank Leverage Ratio was 11.38%, exceeding the required minimum of 9.00%[139]. - The Bank's capital management aims to balance the need for higher capital levels to address unforeseen risks while achieving adequate returns for stockholders[137]. - The Company has adopted Regulatory Capital Policies that will increase minimum capital ratios if necessary[141]. - The Bank is classified as well-capitalized under the regulatory framework for prompt corrective action as of March 31, 2025[141]. Future Outlook - The company plans to prioritize new commercial finance working capital lines of credit and corporate equipment finance transactions for future growth[98]. - The company continues to focus on expanding its small business and commercial deposit portfolio while enhancing noninterest income through wealth management solutions[99]. - The company expects to settle a $10.5 million U.S. Government Contract Disputes Act claim for $5.6 million in cash, expected to be received in the second quarter of 2025[129]. Interest Rate Risk - In the event of an immediate 200 basis point decrease in interest rates, the Bank would expect a 9.72% decrease in net present value (NPV) and a $3.8 million decrease in net interest income[151]. - Interest rate risk management strategies include de-emphasizing residential mortgage loans and focusing on nonresidential real estate and commercial loans[146]. - The economic value of equity analysis estimates changes in NPV over a range of interest rate scenarios, considering historical loan prepayment rates and deposit decay rates[147].

FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 For transition period from to Commission File Number 0-51331 BANKFINANCIAL CORPORATION (Exact Name of Registrant as Specified Its Charter) Maryland 75-3199276 (State or Other Jurisdiction of Incorporation) ...

Core Viewpoint - BankFinancial (BFIN) has been upgraded to a Zacks Rank 2 (Buy), indicating a positive outlook on its earnings estimates, which is a significant factor influencing stock prices [1][3]. Earnings Estimates and Stock Price Movement - The Zacks rating system is based on changes in earnings estimates, which are strongly correlated with near-term stock price movements [4][6]. - Rising earnings estimates for BankFinancial suggest an improvement in the company's underlying business, likely leading to increased stock prices [5][10]. Zacks Rating System - The Zacks Rank stock-rating system classifies stocks into five groups based on earnings estimates, with a strong historical performance, particularly for Zacks Rank 1 stocks, which have generated an average annual return of +25% since 1988 [7][9]. - The upgrade of BankFinancial to Zacks Rank 2 places it in the top 20% of Zacks-covered stocks, indicating a strong potential for market-beating returns in the near term [10]. Earnings Estimate Revisions - For the fiscal year ending December 2024, BankFinancial is expected to earn $0.66 per share, reflecting a -10.8% change from the previous year [8]. - Over the past three months, the Zacks Consensus Estimate for BankFinancial has increased by 2.9%, indicating a positive trend in earnings estimates [8].

Exhibit 99.2 BANKFINANCIAL CORPORATION FOURTH QUARTER 2024 QUARTERLY FINANCIAL AND STATISTICAL SUPPLEMENT FOR THE LATEST FIVE QUARTERS Note: Certain reclassifications have been made in the prior period's financial statements and reflected in the Selected Quarterly Financial and Statistical Data tables to conform to the current period's presentation. The information and statistical data contained herein have been prepared by BankFinancial Corporation and have been derived or calculated from selected quarterl ...

Company Announcement - BankFinancial appoints Forrester Faia as Vice President and Regional Commercial Financial Leader for the Illinois market, reflecting its commitment to delivering financial solutions to middle-market businesses [1] - Forrester Faia will lead efforts to connect Chicago-area companies with BankFinancial's commercial banking services, leveraging his 25 years of expertise in commercial finance, including working capital and debt financing [2] - CEO F Morgan Gasior highlights Forrester Faia's extensive background and alignment with the company's mission to provide flexible, competitive financial solutions [3] Competitive Advantages - BankFinancial offers direct lending with better pricing and customer service compared to finance companies, providing a unique hybrid product that allows seamless migration between financing options without refinancing [3] - Key advantages include competitive pricing, an exclusive prime rate discount of 1 00% below the WSJ published rate, a dedicated business servicing team, and comprehensive in-house loan servicing [6] Market Focus - BankFinancial is committed to empowering middle-market growth through tailored solutions such as receivables financing and working lines of credit, designed to enhance cash flow and fuel growth [4] Company Overview - BankFinancial, with over 100 years of expertise in commercial lending, operates as a trusted partner for businesses, individuals, and families, offering flexible and competitive financial solutions [5] - The company operates 18 full-service banking offices in Illinois and serves commercial loan, lease, and deposit customers regionally and nationwide [5] - BankFinancial, NA is a subsidiary of BankFinancial Corporation, which is publicly traded on the Nasdaq Global Select Market under the symbol BFIN [5]

Exhibit 99.1 BANKFINANCIAL CORPORATION THIRD QUARTER 2024 QUARTERLY FINANCIAL AND STATISTICAL SUPPLEMENT FOR THE LATEST FIVE QUARTERS Note: Certain reclassifications have been made in the prior period's financial statements and reflected in the Selected Quarterly Financial and Statistical Data tables to conform to the current period's presentation. The information and statistical data contained herein have been prepared by BankFinancial Corporation and have been derived or calculated from selected unaudited ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Title of each class Trading Symbol(s) Name of each exchange on which registered Common Stock, par value $0.01 per share BFIN The NASDAQ Stock Market LLC Large accelerated filer ☐ Accelerated filer ☐ Non-accelerated filer ☒ Smaller reporting company ☒ Emerging growth company ☐ FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period ended September 30, 2024 or ☐ TRANSITI ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period ended June 30, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For transition period from to Commission File Number 0-51331 | --- | --- | |-------------------------------------------------------------------|-----------------------------------------------------| | ...

BankFinancial (BFIN) came out with quarterly earnings of $0.14 per share, missing the Zacks Consensus Estimate of $0.16 per share. This compares to earnings of $0.21 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -12.50%. A quarter ago, it was expected that this bank holding company would post earnings of $0.21 per share when it actually produced earnings of $0.17, delivering a surprise of -19.05%.Over the last four quarters, ...