FLUSHING FINANCIAL CORP (FFIC) Stock Fundamental Analysis
USA - NASDAQ:FFIC - US3438731057 - Common Stock
14.1 USD
-0.14 (-0.98%)
14.1 USD
0 (0%)
Overall FFIC gets a fundamental rating of 3 out of 10. We evaluated FFIC against 390 industry peers in the Banks industry. Both the profitability and financial health of FFIC have multiple concerns. FFIC has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
FFIC had positive earnings in the past year.
In the past year FFIC had a positive cash flow from operations.
Of the past 5 years FFIC 4 years were profitable.
Each year in the past 5 years FFIC had a positive operating cash flow.
1.2 Ratios
FFIC's Return On Assets of -0.41% is on the low side compared to the rest of the industry. FFIC is outperformed by 93.59% of its industry peers.
FFIC has a Return On Equity of -5.09%. This is amonst the worse of the industry: FFIC underperforms 94.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.41% | ||
| ROE | -5.09% | ||
| 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
1.3 Margins
FFIC does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
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.
Compared to 1 year ago, FFIC has an improved debt to assets ratio.
2.2 Solvency
FFIC has a debt to FCF ratio of 6.31. This is a slightly negative value and a sign of low solvency as FFIC would need 6.31 years to pay back of all of its debts.
The Debt to FCF ratio of FFIC (6.31) is worse than 71.54% of its industry peers.
FFIC has a Debt/Equity ratio of 0.33. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.33, FFIC is doing worse than 71.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 6.31 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.01%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 114.94% 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 -38.25% in the last year.
Measured over the past years, FFIC shows a decrease in Revenue. The Revenue has been decreasing by -6.18% on average per year.
EPS 1Y (TTM)114.94%
EPS 3Y-14.82%
EPS 5Y-0.13%
EPS Q2Q%16.67%
Revenue 1Y (TTM)-38.25%
Revenue growth 3Y-20.9%
Revenue growth 5Y-6.18%
Sales Q2Q%9.5%
3.2 Future
FFIC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.39% yearly.
FFIC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.78% yearly.
EPS Next Y-19.89%
EPS Next 2Y-0.2%
EPS Next 3Y4.39%
EPS Next 5YN/A
Revenue Next Year47.15%
Revenue Next 2Y25.73%
Revenue Next 3Y18.78%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 7.54, the valuation of FFIC can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of FFIC indicates a rather cheap valuation: FFIC is cheaper than 94.10% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.03. FFIC is valued rather cheaply when compared to this.
FFIC is valuated reasonably with a Price/Forward Earnings ratio of 9.02.
Based on the Price/Forward Earnings ratio, FFIC is valued a bit cheaper than 63.59% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of FFIC to the average of the S&P500 Index (22.27), we can say FFIC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.54 | ||
| Fwd PE | 9.02 |
4.2 Price Multiples
FFIC's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.73 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-0.2%
EPS Next 3Y4.39%
5. Dividend
5.1 Amount
FFIC has a Yearly Dividend Yield of 6.44%, which is a nice return.
FFIC's Dividend Yield is rather good when compared to the industry average which is at 3.42. FFIC pays more dividend than 93.85% of the companies in the same industry.
FFIC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.44% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)-0.62%
Div Incr Years0
Div Non Decr Years28
5.3 Sustainability
FFIC has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-78.26%
EPS Next 2Y-0.2%
EPS Next 3Y4.39%
14.1
-0.14 (-0.98%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners71.92%
Inst Owner Change-0.35%
Ins Owners4.33%
Ins Owner Change-0.03%
Market Cap476.30M
Revenue(TTM)124.57M
Net Income(TTM)-35932000
Analysts77.78
Price Target14.96 (6.1%)
Short Float %1.78%
Short Ratio2.48
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.44% |
Yearly Dividend0.83
Dividend Growth(5Y)-0.62%
DP-78.26%
Div Incr Years0
Div Non Decr Years28
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.06%
Min EPS beat(2)2.11%
Max EPS beat(2)8.02%
EPS beat(4)4
Avg EPS beat(4)101.95%
Min EPS beat(4)2.11%
Max EPS beat(4)338.91%
EPS beat(8)6
Avg EPS beat(8)54.19%
EPS beat(12)8
Avg EPS beat(12)35.27%
EPS beat(16)11
Avg EPS beat(16)28.52%
Revenue beat(2)2
Avg Revenue beat(2)3.8%
Min Revenue beat(2)2.78%
Max Revenue beat(2)4.82%
Revenue beat(4)3
Avg Revenue beat(4)-46.51%
Min Revenue beat(4)-199.73%
Max Revenue beat(4)6.08%
Revenue beat(8)5
Avg Revenue beat(8)-23.34%
Revenue beat(12)7
Avg Revenue beat(12)-17.32%
Revenue beat(16)8
Avg Revenue beat(16)-13.19%
PT rev (1m)6.67%
PT rev (3m)6.67%
EPS NQ rev (1m)0.72%
EPS NQ rev (3m)0.39%
EPS NY rev (1m)-0.9%
EPS NY rev (3m)-0.94%
Revenue NQ rev (1m)-0.51%
Revenue NQ rev (3m)-1.42%
Revenue NY rev (1m)-0.28%
Revenue NY rev (3m)1.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.54 | ||
| Fwd PE | 9.02 | ||
| P/S | 3.1 | ||
| P/FCF | 12.73 | ||
| P/OCF | 11.42 | ||
| P/B | 0.67 | ||
| P/tB | 0.68 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.87
EY13.26%
EPS(NY)1.56
Fwd EY11.09%
FCF(TTM)1.11
FCFY7.86%
OCF(TTM)1.23
OCFY8.76%
SpS4.55
BVpS20.91
TBVpS20.88
PEG (NY)N/A
PEG (5Y)N/A
Graham Number29.66
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.41% | ||
| ROE | -5.09% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 24.36% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score3
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 6.31 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 71.64% | ||
| Cap/Sales | 2.78% | ||
| 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-Score3
WACC19.01%
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)114.94%
EPS 3Y-14.82%
EPS 5Y-0.13%
EPS Q2Q%16.67%
EPS Next Y-19.89%
EPS Next 2Y-0.2%
EPS Next 3Y4.39%
EPS Next 5YN/A
Revenue 1Y (TTM)-38.25%
Revenue growth 3Y-20.9%
Revenue growth 5Y-6.18%
Sales Q2Q%9.5%
Revenue Next Year47.15%
Revenue Next 2Y25.73%
Revenue Next 3Y18.78%
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 1Y3.52%
FCF growth 3Y-50.82%
FCF growth 5Y-29.87%
OCF growth 1Y-0.86%
OCF growth 3Y-48.06%
OCF growth 5Y-27.91%
FLUSHING FINANCIAL CORP / FFIC FAQ
What is the ChartMill fundamental rating of FLUSHING FINANCIAL CORP (FFIC) stock?
ChartMill assigns a fundamental rating of 3 / 10 to FFIC.
Can you provide the valuation status for FLUSHING FINANCIAL CORP?
ChartMill assigns a valuation rating of 5 / 10 to FLUSHING FINANCIAL CORP (FFIC). This can be considered as Fairly Valued.
Can you provide the profitability details for FLUSHING FINANCIAL CORP?
FLUSHING FINANCIAL CORP (FFIC) has a profitability rating of 2 / 10.
Can you provide the PE and PB ratios for FFIC stock?
The Price/Earnings (PE) ratio for FLUSHING FINANCIAL CORP (FFIC) is 7.54 and the Price/Book (PB) ratio is 0.67.
Can you provide the financial health for FFIC stock?
The financial health rating of FLUSHING FINANCIAL CORP (FFIC) is 1 / 10.