The earnings call highlighted several positive aspects, such as the significant increase in earnings per share, net interest margin expansion, and strong liquidity and credit metrics. However, it also noted challenges, including substantial deposit outflows and concerns in the office loan portfolio. The positive highlights significantly outweigh the lowlights.

Company Guidance -

Q3 2025

During the second quarter of 2025, Flushing Financial Corporation reported a significant increase in GAAP earnings per share to $0.41, a 128% rise year-over-year, and core earnings per share of $0.32, up 78%. The company's net interest margin also expanded by 3 basis points quarter-over-quarter, with GAAP NIM reaching 2.54% and core NIM at 2.52%. Average total deposits grew 6% year-over-year to $7.6 billion, with noninterest-bearing deposits rising 6% year-over-year to $875 million. The company's pre-provision pretax net revenue hit $23.1 million, the highest since late 2022. Credit metrics improved, with net charge-offs at 15 basis points and nonperforming assets stable at 70 to 75 basis points. The commercial real estate concentration decreased to under 500% for the first time since 2023. The company maintained strong liquidity with $3.6 billion in undrawn lines and resources, and tangible common equity increased by 25 basis points to 8.04%.

Significant Increase in Earnings Per Share

GAAP earnings per share increased by 128% year-over-year, and core earnings per share increased by 78%.

Net Interest Margin Expansion

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.

Improved Credit Metrics

Net charge-offs reduced to 15 basis points from 27 basis points in the previous quarter. Criticized and classified loans improved to 108 basis points, down from 133 basis points.

Tangible Common Equity Growth

Tangible common equity increased by 25 basis points to 8.04%.

Strong Liquidity Position

The bank maintained strong liquidity with $3.6 billion of undrawn lines and resources at quarter end.

Flushing Financial (FFIC) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

FFIC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 28, 2025	2025 (Q3)	0.30 / -	0.26	―	―	―
Jul 24, 2025	2025 (Q2)	0.31 / 0.32	0.18	77.78% (+0.14)
Apr 29, 2025	2025 (Q1)	0.21 / 0.23	0.14	64.29% (+0.09)
Jan 28, 2025	2024 (Q4)	0.22 / 0.14	0.25	-44.00% (-0.11)
Oct 24, 2024	2024 (Q3)	0.18 / 0.26	0.31	-16.13% (-0.05)
Jul 29, 2024	2024 (Q2)	0.18 / 0.18	0.26	-30.77% (-0.08)
Apr 23, 2024	2024 (Q1)	0.14 / 0.14	0.1	40.00% (+0.04)
Jan 25, 2024	2023 (Q4)	0.23 / 0.25	0.57	-56.14% (-0.32)
Oct 31, 2023	2023 (Q3)	0.24 / 0.31	0.62	-50.00% (-0.31)
Jul 25, 2023	2023 (Q2)	0.19 / 0.26	0.7	-62.86% (-0.44)

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.

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