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Flushing Financial Corp. (FFIC)
NASDAQ:FFIC
Earnings Data
Report Date
Jan 22, 2026After Close (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
0.35Last Year’s EPS
0.14Same Quarter Last Year
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call revealed strong financial performance, with significant improvements in earnings, net interest margin, and credit metrics. However, challenges such as high deposit costs and limited prioritization of stock buybacks were noted. The company's outlook remains positive, driven by expected loan repricing benefits.Company Guidance
Strong Financial Performance
Flushing Financial Corporation reported a GAAP earnings per share of $0.30 and core earnings per share of $0.35, with core earnings improving 55% from a year ago.
Net Interest Margin Expansion
Net interest margin expanded 10 basis points quarter-over-quarter, with GAAP net interest margin at 2.64% and core net interest margin at 2.62%, reflecting a 55 basis point growth from last year's third quarter.
Improvement in Credit Metrics
Net charge-offs improved to 7 basis points in the third quarter, a 15 basis point improvement from the second quarter, and nonperforming assets as a percentage of total assets decreased to 70 basis points from 75 basis points in the second quarter.
Growth in Noninterest-Bearing Deposits
Noninterest-bearing deposits increased 7.2% sequentially, with a 5.7% year-over-year growth.
Stable Tangible Common Equity Ratio
The tangible common equity ratio remained stable at 8.01%, increasing 101 basis points from the third quarter of 2024.
Positive Outlook on Loan Repricing
Real estate loans are expected to reprice approximately 147 basis points higher through 2027, driving further net interest margin expansion.
FFIC Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
FFIC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Oct 29, 2025 | $12.86 | $13.41 | +4.28% |
Jul 24, 2025 | $11.94 | $12.14 | +1.68% |
Apr 29, 2025 | $12.03 | $11.57 | -3.82% |
Jan 28, 2025 | $13.60 | $13.30 | -2.21% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Flushing Financial Corp. (FFIC) report earnings?
Flushing Financial Corp. (FFIC) is schdueled to report earning on Jan 22, 2026, After Close (Confirmed).
What is Flushing Financial Corp. (FFIC) earnings time?
Flushing Financial Corp. (FFIC) earnings time is at Jan 22, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is FFIC EPS forecast?
FFIC EPS forecast for the fiscal quarter 2025 (Q4) is 0.35.