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Flushing Financial Corp. (FFIC)
NASDAQ:FFIC
Earnings Data
Report Date
Oct 28, 2025After Close (Confirmed)
Period Ending
2025 (Q3)Consensus EPS Forecast
0.3Last Year’s EPS
0.26Same Quarter Last Year
Based on 5 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call highlighted significant financial improvements, including substantial year-over-year earnings growth, improved net interest margins, and strong credit metrics. However, challenges such as seasonal deposit outflows and limited opportunities for funding cost reduction were also noted. The positive aspects, particularly the strong earnings and credit performance, outweigh the negatives.Company Guidance
Significant Earnings Growth
GAAP earnings per share increased by 128% and core earnings per share by 78% year-over-year.
Improved Net Interest Margin
Both GAAP and core net interest margin expanded by 3 basis points quarter-over-quarter, reaching 2.54% and 2.52%, respectively.
Deposit Growth
Average total deposits increased by 6% year-over-year and 1% quarter-over-quarter to $7.6 billion, with noninterest-bearing deposits growing by 6% year-over-year and 2% quarter-over-quarter.
Strong Credit Metrics
Net charge-offs decreased to 15 basis points from 27 basis points in the prior quarter, and criticized and classified loans improved to 108 basis points from 133 basis points.
Tangible Common Equity Increase
Tangible common equity grew by 25 basis points to 8.04%.
Loan Repricing Opportunities
Approximately $2.1 billion of loans are scheduled to reprice at significantly higher rates through the end of 2027, providing substantial predictable tailwind for net interest income.
Multifamily Portfolio Improvement
Nonperforming loans in the multifamily portfolio decreased to 50 basis points from 101 basis points, with criticized and classified loans improving to 73 basis points from 116 basis points.
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 |
|---|---|---|---|
Jul 24, 2025 | $12.13 | $12.34 | +1.73% |
Apr 29, 2025 | $12.23 | $11.76 | -3.84% |
Jan 28, 2025 | $13.82 | $13.52 | -2.17% |
Oct 24, 2024 | $14.38 | $14.58 | +1.39% |
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 Oct 28, 2025, After Close (Confirmed).
What is Flushing Financial Corp. (FFIC) earnings time?
Flushing Financial Corp. (FFIC) earnings time is at Oct 28, 2025, 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 (Q3) is 0.3.