ZACKSยท2025-07-23 15:06Core Viewpoint - BankFinancial (BFIN) is anticipated to report a year-over-year increase in earnings despite a decline in revenues for the quarter ended June 2025, with the consensus outlook indicating a potential impact on the stock price based on actual results compared to estimates [1][2]. Earnings Expectations - The consensus estimate for BankFinancial's quarterly earnings is $0.24 per share, reflecting a year-over-year increase of +41.2%, while revenues are expected to be $13.1 million, down 5.4% from the previous year [3]. - The earnings report could lead to a stock price increase if the results exceed expectations, whereas missing estimates may result in a decline [2]. Estimate Revisions - The consensus EPS estimate has remained unchanged over the last 30 days, indicating stability in analysts' assessments [4]. - BankFinancial's Most Accurate Estimate is higher than the Zacks Consensus Estimate, resulting in an Earnings ESP of +37.50%, suggesting recent bullish sentiment among analysts [12]. Earnings Surprise History - In the last reported quarter, BankFinancial exceeded the expected earnings of $0.12 per share by delivering $0.17, resulting in a surprise of +41.67% [13]. - Over the past four quarters, the company has only beaten consensus EPS estimates once [14]. Industry Context - In the Zacks Financial - Savings and Loan industry, Provident Financial (PROV) is expected to post earnings of $0.29 per share for the same quarter, indicating a year-over-year change of +3.6%, with revenues projected at $10.4 million, up 4.8% [18][19]. - Provident Financial's consensus EPS estimate has been revised down by 9.1% over the last 30 days, resulting in an Earnings ESP of -8.77%, making it challenging to predict an earnings beat [19][20].