BankFinancial Corporation (BFIN) — Cash Flow Quality Index
BankFinancial Corporation (BFIN) has a Cash Flow Quality Index of -1.10x as of September 2025. Operating cash flow of $-2.60 Million is below net income of $2.36 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore debt repayment capacity of BankFinancial Corporation to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
BankFinancial Corporation Cash Flow Quality Index (2004–2024)
Historical Cash Flow Quality Index for BankFinancial Corporation across 16 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see BankFinancial Corporation cash flow conversion.
Annual Cash Flow Quality Index for BankFinancial Corporation (2004–2024)
Year-by-year earnings quality comparison for BankFinancial Corporation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.86x | $7.56 Million | $4.07 Million | ▲ +89.2% |
| 2023 | 0.98x | $9.22 Million | $9.39 Million | ▲ +10.9% |
| 2022 | 0.89x | $9.29 Million | $10.49 Million | ▼ -15.5% |
| 2021 | 1.05x | $7.77 Million | $7.41 Million | ▼ -28.9% |
| 2020 | 1.48x | $13.52 Million | $9.16 Million | ▼ -19.4% |
| 2019 | 1.83x | $21.37 Million | $11.67 Million | ▲ +71.2% |
| 2018 | 1.07x | $20.68 Million | $19.34 Million | ▼ -57.6% |
| 2017 | 2.52x | $22.73 Million | $9.00 Million | ▼ 0.0% |
| 2016 | 2.52x | $18.94 Million | $7.50 Million | ▲ +47.2% |
| 2015 | 1.72x | $14.88 Million | $8.68 Million | ▲ +290.4% |
| 2014 | 0.44x | $17.84 Million | $40.61 Million | ▼ -85.2% |
| 2013 | 2.97x | $9.78 Million | $3.30 Million | ▲ +19.6% |
| 2007 | 2.48x | $17.73 Million | $7.16 Million | ▲ +85.8% |
| 2006 | 1.33x | $13.40 Million | $10.05 Million | ▼ -50.3% |
| 2005 | 2.69x | $29.74 Million | $11.07 Million | ▼ -72.8% |
| 2004 | 9.86x | $14.37 Million | $1.46 Million | — |