BankFinancial Corporation. (NASDAQ:BFIN) Q2 2022 Earnings Conference Call August 1, 2022 10:30 AM ET Company Participants F. Morgan Gasior - Chairman & Chief Executive Officer Paul Cloutier - Executive Vice President & Chief Financial Officer Conference Call Participants Manuel Navas - D.A. Davidson Company Brian Martin - Janney Montgomery Ross Haberman - RLH Investments Operator [Abrupt Start]…investor conference call. At this time, I'd like to have our forward-looking statement read. Unidentified Company ...

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 June 30, 2022 or ☐ TRANSITION RE ...

BankFinancial Corporation (NASDAQ:BFIN) Q1 2022 Earnings Conference Call May 6, 2022 10:30 AM ET Company Participants F. Morgan Gasior - Chairman & Chief Executive Officer Paul Cloutier - Executive Vice President & Chief Financial Officer Conference Call Participants Operator Good day, and thank you for standing by. Welcome to the BankFinancial Corp. Q1 2022 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-ans ...

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 March 31, 2022 or ☐ TRANSITION R ...

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 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, 2021 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 ...

BankFinancial Corporation (NASDAQ:BFIN) Q3 2021 Earnings Conference Call November 1, 2021 10:30 AM ET Company Participants F. Morgan Gasior - Chairman and CEO Conference Call Participants Manuel Navas - D.A. Davidson Brian Morgan - Janney Montgomery Operator Good day and thank you for standing by. Welcome to the BankFinancial Corp Q3 2021 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speaker presentation, there will be a question-and-answer session. [Operator ...

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, 2021 or ☐ TRANSITI ...

Financial Data and Key Metrics Changes - The company reported a tangible book value per share increase from $11.58 to $11.79 over the past 12 months, indicating a positive trend in shareholder value [21] - The company achieved a quarter-over-quarter growth of approximately 3%, with end-of-May balances reaching $1.57 billion [33] Business Line Data and Key Metrics Changes - The multifamily loan generation has shown consistent growth, with originations settling around $30 million per quarter, marking the fourth consecutive quarter of increases [12][29] - Equipment finance has experienced its fourth consecutive quarter of growth, with a better mix in commercial and small ticket contributing positively [16][31] - The company expects to maintain a growth target of $40 million at a 4% growth rate, with potential for stronger performance in the fourth quarter [34] Market Data and Key Metrics Changes - The company is observing a potential increase in sales due to capital gains legislation, which could impact the multifamily portfolio's performance in the second half of the year [14] - The healthcare sector is expected to lag in growth, with liquidity levels remaining high among clients, indicating a cautious outlook for the third quarter [32] Company Strategy and Development Direction - The company is focusing on expanding its commercial asset generation capabilities, particularly in equipment finance and government contracting [10][26] - There is an emphasis on organic growth through talent acquisition in commercial finance and real estate, with a goal to enhance product offerings [36][38] - The company is open to opportunistic acquisitions, particularly in non-bank sectors, while being cautious about community bank acquisitions that may dilute earnings [60][64] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the potential for margin expansion as origination rates exceed payoff rates, indicating a positive trend for interest income [44] - The company is actively managing expenses, with expectations for a reduction in one-time costs in the upcoming quarters [19][66] - The management remains cautious about the impact of external factors, such as interest rates and legislative changes, on loan growth and portfolio performance [14][42] Other Important Information - The trust department is expanding its assets under management, focusing on closely held businesses, which presents a unique market opportunity [51] - Treasury services are set to launch new technology, with initial customers expected to generate significant fee income [52] Q&A Session Summary Question: Trends on the expense line - Management acknowledged higher expenses due to one-time costs related to asset resolution and transitioning to a new data platform, expecting expenses to stabilize around $9.6 million to $10 million per quarter [7][9] Question: Loan growth driven by commercial payoff trends - Management noted steady origination rates in real estate and expressed concerns about potential sales impacting growth, particularly due to capital gains legislation [11][14] Question: Share repurchase strategy - The company has repurchased 650,000 shares this year and plans to continue, with a focus on maintaining a tier one leverage ratio [19][20] Question: Expectations for equipment finance growth - Management expects to sustain and potentially increase growth in equipment finance, with a focus on government and renewable energy sectors [26][31] Question: Credit quality and reserving outlook - Management indicated a stable credit quality with zero deferrals in the real estate portfolio, expecting some recovery of reserves while maintaining a cautious approach to new originations [45][47] Question: Recent M&A activity - Management is open to evaluating M&A opportunities that align with their growth strategy but is currently focused on organic growth [57][64] Question: PPP program status - The company reported over $100,000 in flow-through income from PPP forgiveness in Q2, expecting this trend to continue for the next few quarters [67][68]

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 June 30, 2021 or ☐ TRANSITION RE ...

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 March 31, 2021 or ☐ TRANSITION R ...