Flushing Financial (FFIC) AI Stock Analysis

• Market Cap: $481.00M
• Dividend Yield: 6.44%
• Average Volume (3M): 241.82K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.09
• Revenue Growth: -12.30%
• EPS Growth: -235.57%
• Country: US
• Employees: 571
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.35
• Shares Outstanding: 33,778,440
• 10 Day Avg. Volume: 278,108
• 30 Day Avg. Volume: 241,822
• PEG Ratio: 0.07
• Price to Book (P/B): 0.59
• Price to Sales (P/S): 1.05
• P/FCF Ratio: 42.34
• Enterprise Value/Market Cap: 1.80
• Enterprise Value/Revenue: 2.03
• Enterprise Value/Gross Profit: 6.32
• Enterprise Value/Ebitda: -20.92
• 1Y Price Target: $14.25
• Price Target Upside: 0.07% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2

• Rating: 55 Neutral
• Price Target: $13.50 ▼(-5.20% Downside)

Flushing Financial's overall score is driven by strong earnings call performance and stable technical indicators, despite challenges in profitability and valuation concerns. The positive outlook on loan repricing and high dividend yield provide some support, but operational inefficiencies and high deposit costs remain significant risks.

Flushing Financial Business Overview & Revenue Model

Company Description

Flushing Financial Corporation operates as the bank holding company for Flushing Bank that provides banking products and services primarily to consumers, businesses, and governmental units. It offers various deposit products, including checking and savings accounts, money market accounts, demand accounts, NOW accounts, and certificates of deposit. The company also provides mortgage loans secured by multi-family residential, commercial real estate, one-to-four family mixed-use property, one-to-four family residential property, and commercial business loans; construction loans; small business administration loans and other small business loans; mortgage loan surrogates, such as mortgage-backed securities; and consumer loans, including overdraft lines of credit, as well as the United States government securities, corporate fixed-income securities, and other marketable securities. In addition, it offers banking services to public municipalities comprising counties, cities, towns, villages, school districts, libraries, fire districts, and various courts. As of December 31, 2021, the company operated 24 full-service offices located in the New York City boroughs of Queens, Brooklyn, and Manhattan; and in Nassau and Suffolk County, New York, as well as an Internet branch. Flushing Financial Corporation was founded in 1929 and is based in Uniondale, New York.

How the Company Makes Money

Flushing Financial generates revenue primarily through interest income earned on loans and investments. The bank's key revenue streams include interest from commercial real estate loans, residential mortgage loans, and consumer loans. Additionally, Flushing Bank earns non-interest income from service charges on deposit accounts, fees from wealth management services, and other banking-related services. The company benefits from its strong community ties and partnerships with local businesses, which contribute to its loan origination and deposit growth. Furthermore, effective asset-liability management helps optimize the interest rate spread, enhancing overall profitability.

Flushing Financial Financial Statement Overview

Summary

Flushing Financial is facing financial headwinds with declining profitability and revenue under pressure. The balance sheet exhibits leverage concerns, while cash flow remains positive but volatile. Improvement in operational efficiency and profitability is crucial for future stability.

Income Statement

The TTM data shows declining revenue with a negative net profit margin of -10.74%, indicating financial challenges. EBIT and EBITDA margins are also negative, highlighting operational inefficiencies. The revenue growth has been inconsistent, with recent declines compared to previous years.

Balance Sheet

Flushing Financial has a relatively stable equity ratio of 7.80%, but a high debt-to-equity ratio of 0.66, indicating potential leverage risk. The return on equity is negative, reflecting recent net losses, which is concerning for investors seeking profitability.

Cash Flow

The cash flow statement shows positive free cash flow, with a reasonable operating cash flow to net income ratio of 0.57. However, free cash flow growth is volatile due to fluctuating net income, which raises concerns about long-term sustainability.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	427.35M	408.09M	424.06M	326.63M	292.25M	275.33M
Gross Profit	137.14M	115.17M	191.22M	248.54M	256.60M	183.08M
EBITDA	-41.42M	-42.12M	46.28M	110.78M	115.70M	51.39M
Net Income	-35.93M	-31.33M	28.66M	76.94M	81.79M	34.67M
Balance Sheet
Total Assets	8.78B	9.04B	8.54B	8.42B	8.05B	7.98B
Cash, Cash Equivalents and Short-Term Investments	150.12M	1.56B	803.52M	648.53M	858.96M	805.36M
Total Debt	650.27M	962.50M	882.10M	1.10B	869.70M	1.08B
Total Liabilities	8.07B	8.31B	7.87B	7.75B	7.37B	7.36B
Stockholders Equity	706.38M	724.54M	669.84M	677.16M	679.63M	619.00M
Cash Flow
Free Cash Flow	37.42M	10.10M	29.10M	81.41M	84.92M	68.77M
Operating Cash Flow	41.70M	12.41M	34.59M	85.75M	88.60M	71.28M
Investing Cash Flow	249.42M	-505.60M	-94.26M	-351.82M	-106.78M	93.10M
Financing Cash Flow	-297.91M	473.61M	80.08M	336.09M	-57.48M	-56.77M

Flushing Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 14.24
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FFIC, the sentiment is Positive. The current price of 14.24 is above the 20-day moving average (MA) of 13.35, above the 50-day MA of 13.59, and above the 200-day MA of 12.67, indicating a bullish trend. The MACD of -0.09 indicates Negative momentum. The RSI at 54.88 is Neutral, neither overbought nor oversold. The STOCH value of 73.73 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FFIC.

Flushing Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HBCP	―	$415.57M	9.45	10.86%	2.14%	6.25%	24.92%
BMRC	―	$414.10M	41.64	2.24%	3.90%	23.93%	―
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
KRNY	―	$415.01M	13.65	3.92%	6.70%	4.38%	―
BSRR	―	$383.71M	9.89	11.07%	3.47%	-0.65%	14.14%
GCBC	―	$379.02M	11.23	14.53%	1.67%	13.16%	37.40%
FFIC	―	$481.00M	-11.96	-5.03%	6.44%	-12.30%	-235.57%

Flushing Financial Corporate Events

Flushing Financial Reports Strong Third-Quarter Results

Flushing Financial Corporation is a New York State-chartered commercial bank that operates under the Flushing Bank brand, providing a range of financial services including deposits, loans, and cash management, with a focus on real estate lending and personalized customer service in the New York City metropolitan area. In its third-quarter earnings report for 2025, Flushing Financial Corporation reported a notable increase in both GAAP and Core net interest margins, alongside a growth in noninterest-bearing deposits. The company achieved GAAP and Core earnings per share of $0.30 and $0.35, respectively, reflecting a successful execution of strategic priorities and balance sheet repositioning. Key financial metrics highlighted include a 10 basis-point increase in net interest margin, a decrease in average loans, and a stable credit quality with a reduction in net charge-offs. The tangible common equity ratio improved significantly year-over-year, indicating robust capital levels. Looking ahead, Flushing Financial remains confident in navigating the macroeconomic landscape, focusing on sustainable growth and long-term shareholder value.

Flushing Financial Reports Strong Q3 2025 Results

On October 29, 2025, Flushing Financial Corp. released its third-quarter results, highlighting key financial improvements. The company reported strong liquidity with $3.9 billion in undrawn resources and improved asset quality, with net charge-offs decreasing significantly. Profitability saw an uptick with a 10 basis point expansion in both GAAP and Core Net Interest Margin quarter-over-quarter. Additionally, noninterest-bearing deposits increased by 7.2% quarter-over-quarter, reflecting the company’s strategic focus on enhancing profitability while maintaining credit discipline and strong liquidity.

The most recent analyst rating on (FFIC) stock is a Hold with a $13.50 price target. To see the full list of analyst forecasts on Flushing Financial stock, see the FFIC Stock Forecast page.

Flushing Financial to Announce Q3 Earnings in October

On September 17, 2025, Flushing Financial Corporation announced it will release its third quarter 2025 earnings after the market closes on October 29, 2025. The company will host a conference call on October 30, 2025, to discuss its strategy and results, reflecting its ongoing commitment to transparency and stakeholder engagement.

The most recent analyst rating on (FFIC) stock is a Hold with a $14.50 price target. To see the full list of analyst forecasts on Flushing Financial stock, see the FFIC Stock Forecast page.

Flushing Financial Announces Upcoming Dividend Payment

On September 26, 2025, Flushing Financial Corporation will pay a quarterly dividend of $0.22 per common share to shareholders recorded by September 5, 2025. This announcement reflects the company’s ongoing commitment to returning value to its shareholders.

The most recent analyst rating on (FFIC) stock is a Hold with a $13.50 price target. To see the full list of analyst forecasts on Flushing Financial stock, see the FFIC Stock Forecast page.