Future dividend growth will depend on earnings growth as well as payout ratio, which is the proportion of a company's annual earnings per share that it pays out as a dividend. BankFinancial's current payout ratio is 45%. This means it paid out 45% of its trailing 12-month EPS as dividend. BFIN is expecting earnings to expand this fiscal year as well. The Zacks Consensus Estimate for 2019 is $0.98 per share, which represents a year-over-year growth rate of 13.95%.