BankFinancial Corporation: Business Overview, Financials & Competitive Analysis
BankFinancial Corporation scores 5/10 on the AskCyborg Cyborg Score (Mixed). Integration with First Financial Bancorp provides scale opportunities but creates near-term execution risk and limited independence. BankFinancial operates as a regional bank with diversified lending and deposit products, but faces significant transition uncertainty due to completed acquisition by First Financial Bancorp. Low stock price volatility (beta 0.33) suggests stable fundamentals.
What is BankFinancial Corporation's industry? BankFinancial Corporation (bankfinancial.com) operates in Banks - Regional. AskCyborg classifies BankFinancial Corporation under Banks - Regional in its company registry.
BankFinancial Corporation operates as the bank holding company for BankFinancial, National Association that provides banking, financial planning, and fiduciary services to individuals, families, and businesses. The co...
Cyborg Score thesis
Integration with First Financial Bancorp provides scale opportunities but creates near-term execution risk and limited...
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Pro stress-test →BankFinancial Corporation operates as the bank holding company for BankFinancial, National Association that provides banking, financial planning, and fiduciary services to individuals, families, and businesses. The company offers its products through full-service banking offices located in Cook, DuPage, Lake, and Will Counties, Illinois, as well as through its internet branch.
Strategic Profile
Pro stress-test →The loan portfolio consists of multi-family residential real estate loans, non-residential real estate loans, commercial loans and commercial equipment leases, consumer loans, and one-to-four family residential real estate loans. The company also offers cash management, funds transfers, bill payment and other online and mobile banking transactions, trust, wealth management, treasury services, and general insurance agency services. As of January 1, 2026, BankFinancial Corporation operates as a subsidiary of First Financial Bancorp.
Competitive Landscape
Pro stress-test →The merger with First Financial significantly expands presence in the Chicago market, adding 18 retail locations and bringing total pro forma deposits to $2.2 billion. BankFinancial competes with regional and community banks in Illinois serving the Chicago metropolitan area with diverse banking products.
Industry Context
BankFinancial Corporation operates in Banks - Regional.
Key facts
Founded: 1924 · Headquarters: Burr Ridge, Illinois · Employees: 173 · Market cap: $159M