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Edge31 Oct 2025
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BankFinancial (BFIN) investor relations material
BankFinancial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Net income for Q3 2025 was $2.4 million ($0.19 per share), up 18.4% year-over-year; nine-month net income was $4.1 million, down 30.1% from the prior year.
Total assets reached $1.455 billion, loans $759.8 million, deposits $1.242 billion, and equity $157.4 million as of September 30, 2025.
On August 11, 2025, a merger agreement was signed with First Financial Bancorp, pending regulatory and shareholder approval.
Financial highlights
Net interest income for Q3 2025 was $11.6 million, stable year-over-year; nine-month net interest income was $34.4 million, down 6.4%.
Noninterest income rose 14.9% to $1.7 million in Q3, and 25.5% to $5.3 million for the nine months, driven by higher deposit fees and insurance income.
Noninterest expense increased 6.9% to $10.8 million in Q3, and 1.7% to $33.5 million for the nine months, mainly due to higher professional fees and foreclosed asset write-downs.
Allowance for credit losses rose to 1.15% of total loans, with a $2.1 million specific reserve for a government equipment finance exposure.
Book value per share increased to $12.63 at quarter-end.
Outlook and guidance
Management anticipates sufficient liquidity and capital to meet commitments and support growth.
No material adverse trends or uncertainties identified as of September 30, 2025.
Merger approval timeline?
U.S. Gov equipment finance claim litigation update.
Interest rate risk mitigation strategies.
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Next BankFinancial earnings date
Q4 20253 Feb, 2026
Next BankFinancial earnings date
Q4 20253 Feb, 2026
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Frequently asked questions
BankFinancial Corporation operates as a bank holding company for BankFinancial, National Association. It offers personal, business, and commercial banking services including deposits, loans, treasury management, and trust services. The company primarily serves individuals, small businesses, and middle-market commercial customers. BankFinancial Corporation is headquartered in Burr Ridge, Illinois, and its shares are listed on the NASDAQ.
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