On February 5, 2024, Charles Winnick of Fulcrum announced that during BankFinancial Corporation's 2023 fourth-quarter earnings call held on February 2, 2024, expressed his concerns about the Company?s efficiency ratio, which was 77.3% on December 31, 2023, and loan growth prospects in a competitive environment. In addition, Charles Winnick stated that while the earnings outlook has improved, the Company full earnings capacity still generates returns much less than its cost of capital, which, in effect, destroys shareholder value, and he said there is no other direction that would benefit Company shareholders more than a sale of the Company, and Charles Winnick stated that he don't really see any other avenue that would be more beneficial to shareholders than a sale.