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FLUSHING FINANCIAL CORP (FFIC) Stock Fundamental Analysis

NASDAQ:FFIC - Nasdaq - US3438731057 - Common Stock - Currency: USD

11.88  -0.03 (-0.25%)

After market: 11.88 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to FFIC. FFIC was compared to 395 industry peers in the Banks industry. FFIC may be in some trouble as it scores bad on both profitability and health. FFIC has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

FFIC had positive earnings in the past year.
FFIC had a positive operating cash flow in the past year.
FFIC had positive earnings in 4 of the past 5 years.
In the past 5 years FFIC always reported a positive cash flow from operatings.
FFIC Yearly Net Income VS EBIT VS OCF VS FCFFFIC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M 60M 80M

1.2 Ratios

FFIC's Return On Assets of -0.50% is on the low side compared to the rest of the industry. FFIC is outperformed by 94.43% of its industry peers.
FFIC has a worse Return On Equity (-6.38%) than 95.95% of its industry peers.
Industry RankSector Rank
ROA -0.5%
ROE -6.38%
ROIC N/A
ROA(3y)0.3%
ROA(5y)0.47%
ROE(3y)3.77%
ROE(5y)5.79%
ROIC(3y)N/A
ROIC(5y)N/A
FFIC Yearly ROA, ROE, ROICFFIC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for FFIC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
FFIC Yearly Profit, Operating, Gross MarginsFFIC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20 30

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1

2. Health

2.1 Basic Checks

FFIC does not have a ROIC to compare to the WACC, probably because it is not profitable.
FFIC has more shares outstanding than it did 1 year ago.
The number of shares outstanding for FFIC has been increased compared to 5 years ago.
FFIC has a better debt/assets ratio than last year.
FFIC Yearly Shares OutstandingFFIC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
FFIC Yearly Total Debt VS Total AssetsFFIC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

FFIC has a debt to FCF ratio of 10.92. This is a negative value and a sign of low solvency as FFIC would need 10.92 years to pay back of all of its debts.
With a Debt to FCF ratio value of 10.92, FFIC is not doing good in the industry: 80.00% of the companies in the same industry are doing better.
FFIC has a Debt/Equity ratio of 0.34. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.34, FFIC is not doing good in the industry: 72.66% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 10.92
Altman-Z N/A
ROIC/WACCN/A
WACC20.3%
FFIC Yearly LT Debt VS Equity VS FCFFFIC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FFIC Yearly Current Assets VS Current LiabilitesFFIC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 68.00% over the past year.
The Earnings Per Share has been decreasing by -0.13% on average over the past years.
Looking at the last year, FFIC shows a very negative growth in Revenue. The Revenue has decreased by -29.80% in the last year.
The Revenue has been decreasing by -6.18% on average over the past years.
EPS 1Y (TTM)68%
EPS 3Y-14.82%
EPS 5Y-0.13%
EPS Q2Q%91.67%
Revenue 1Y (TTM)-29.8%
Revenue growth 3Y-20.9%
Revenue growth 5Y-6.18%
Sales Q2Q%27.66%

3.2 Future

The Earnings Per Share is expected to decrease by -1.98% on average over the next years.
FFIC is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 25.45% yearly.
EPS Next Y-21.62%
EPS Next 2Y-1.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year46.26%
Revenue Next 2Y25.45%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
FFIC Yearly Revenue VS EstimatesFFIC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M 250M
FFIC Yearly EPS VS EstimatesFFIC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 7.07, the valuation of FFIC can be described as very cheap.
FFIC's Price/Earnings ratio is rather cheap when compared to the industry. FFIC is cheaper than 94.68% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.15. FFIC is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 7.88, the valuation of FFIC can be described as very cheap.
Based on the Price/Forward Earnings ratio, FFIC is valued cheaper than 81.77% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.60. FFIC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.07
Fwd PE 7.88
FFIC Price Earnings VS Forward Price EarningsFFIC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

FFIC's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. FFIC is more expensive than 72.41% of the companies in the same industry.
Industry RankSector Rank
P/FCF 18.44
EV/EBITDA N/A
FFIC Per share dataFFIC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-1.98%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.42%, FFIC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.47, FFIC pays a better dividend. On top of this FFIC pays more dividend than 96.71% of the companies listed in the same industry.
FFIC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.
Industry RankSector Rank
Dividend Yield 7.42%

5.2 History

The dividend of FFIC decreases each year by -0.62%.
FFIC has paid a dividend for at least 10 years, which is a reliable track record.
FFIC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-0.62%
Div Incr Years0
Div Non Decr Years28
FFIC Yearly Dividends per shareFFIC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

FFIC has negative earnings and hence a negative payout ratio. The dividend may be in danger.
The Dividend Rate of FFIC has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP-60.32%
EPS Next 2Y-1.98%
EPS Next 3YN/A
FFIC Yearly Income VS Free CF VS DividendFFIC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M 60M 80M

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FLUSHING FINANCIAL CORP

NASDAQ:FFIC (6/30/2025, 4:30:00 PM)

After market: 11.88 0 (0%)

11.88

-0.03 (-0.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-29 2025-04-29/amc
Earnings (Next)07-24 2025-07-24/amc
Inst Owners72.32%
Inst Owner Change2.66%
Ins Owners4.33%
Ins Owner Change2.98%
Market Cap401.31M
Analysts76
Price Target14.41 (21.3%)
Short Float %2.69%
Short Ratio3.82
Dividend
Industry RankSector Rank
Dividend Yield 7.42%
Yearly Dividend0.83
Dividend Growth(5Y)-0.62%
DP-60.32%
Div Incr Years0
Div Non Decr Years28
Ex-Date06-13 2025-06-13 (0.22)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)173.46%
Min EPS beat(2)8.02%
Max EPS beat(2)338.91%
EPS beat(4)3
Avg EPS beat(4)100.87%
Min EPS beat(4)-2.23%
Max EPS beat(4)338.91%
EPS beat(8)6
Avg EPS beat(8)59.88%
EPS beat(12)8
Avg EPS beat(12)36.75%
EPS beat(16)10
Avg EPS beat(16)27.91%
Revenue beat(2)1
Avg Revenue beat(2)-98.48%
Min Revenue beat(2)-199.73%
Max Revenue beat(2)2.78%
Revenue beat(4)2
Avg Revenue beat(4)-48.3%
Min Revenue beat(4)-199.73%
Max Revenue beat(4)6.08%
Revenue beat(8)5
Avg Revenue beat(8)-23.56%
Revenue beat(12)7
Avg Revenue beat(12)-17.12%
Revenue beat(16)7
Avg Revenue beat(16)-14.24%
PT rev (1m)0%
PT rev (3m)-13.08%
EPS NQ rev (1m)-1.48%
EPS NQ rev (3m)-2.08%
EPS NY rev (1m)1.13%
EPS NY rev (3m)0.17%
Revenue NQ rev (1m)-0.83%
Revenue NQ rev (3m)2.23%
Revenue NY rev (1m)0.18%
Revenue NY rev (3m)2.13%
Valuation
Industry RankSector Rank
PE 7.07
Fwd PE 7.88
P/S 2.93
P/FCF 18.44
P/OCF 15.74
P/B 0.57
P/tB 0.57
EV/EBITDA N/A
EPS(TTM)1.68
EY14.14%
EPS(NY)1.51
Fwd EY12.7%
FCF(TTM)0.64
FCFY5.42%
OCF(TTM)0.75
OCFY6.35%
SpS4.06
BVpS20.81
TBVpS20.78
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.5%
ROE -6.38%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 15.87%
ROA(3y)0.3%
ROA(5y)0.47%
ROE(3y)3.77%
ROE(5y)5.79%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 10.92
Debt/EBITDA N/A
Cap/Depr 61.62%
Cap/Sales 2.72%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC20.3%
ROIC/WACCN/A
Cap/Depr(3y)63.24%
Cap/Depr(5y)56.34%
Cap/Sales(3y)2.1%
Cap/Sales(5y)1.79%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)68%
EPS 3Y-14.82%
EPS 5Y-0.13%
EPS Q2Q%91.67%
EPS Next Y-21.62%
EPS Next 2Y-1.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-29.8%
Revenue growth 3Y-20.9%
Revenue growth 5Y-6.18%
Sales Q2Q%27.66%
Revenue Next Year46.26%
Revenue Next 2Y25.45%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-27.34%
FCF growth 3Y-50.82%
FCF growth 5Y-29.87%
OCF growth 1Y-26.66%
OCF growth 3Y-48.06%
OCF growth 5Y-27.91%