FLUSHING FINANCIAL CORP (FFIC) Fundamental Analysis & Valuation

NASDAQ:FFIC • US3438731057

Current stock price

15.58 USD
+0.15 (+0.97%)
At close:
15.58 USD
0 (0%)
After Hours:

This FFIC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. FFIC Profitability Analysis

1.1 Basic Checks

  • FFIC had positive earnings in the past year.
  • FFIC had a positive operating cash flow in the past year.
  • Of the past 5 years FFIC 4 years were profitable.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M -20M 40M 60M 80M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.21%, FFIC is doing worse than 89.74% of the companies in the same industry.
  • FFIC has a worse Return On Equity (2.63%) than 88.16% of its industry peers.
Industry RankSector Rank
ROA 0.21%
ROE 2.63%
ROIC N/A
ROA(3y)0.07%
ROA(5y)0.43%
ROE(3y)0.85%
ROE(5y)5.19%
ROIC(3y)N/A
ROIC(5y)N/A
FFIC Yearly ROA, ROE, ROICFFIC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 7.78%, FFIC is doing worse than 88.68% of the companies in the same industry.
  • FFIC's Profit Margin has declined in the last couple of years.
  • FFIC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 7.78%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-36.7%
PM growth 5Y-14.49%
GM growth 3YN/A
GM growth 5YN/A
FFIC Yearly Profit, Operating, Gross MarginsFFIC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20 -20 30

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1

2. FFIC Health Analysis

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.
  • Compared to 5 years ago, FFIC has more shares outstanding
  • The debt/assets ratio for FFIC is higher compared to a year ago.
FFIC Yearly Shares OutstandingFFIC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
FFIC Yearly Total Debt VS Total AssetsFFIC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • FFIC has a debt to FCF ratio of 4.31. This is a neutral value as FFIC would need 4.31 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 4.31, FFIC is not doing good in the industry: 67.11% 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.
  • The Debt to Equity ratio of FFIC (0.34) is worse than 71.05% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 4.31
Altman-Z N/A
ROIC/WACCN/A
WACC20.99%
FFIC Yearly LT Debt VS Equity VS FCFFFIC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. FFIC Growth Analysis

3.1 Past

  • The earnings per share for FFIC have decreased strongly by -22.29% in the last year.
  • Measured over the past years, FFIC shows a decrease in Earnings Per Share. The EPS has been decreasing by -6.31% on average per year.
  • FFIC shows a strong growth in Revenue. In the last year, the Revenue has grown by 91.81%.
  • Measured over the past years, FFIC shows a small growth in Revenue. The Revenue has been growing by 2.99% on average per year.
EPS 1Y (TTM)-22.29%
EPS 3Y-21.16%
EPS 5Y-6.31%
EPS Q2Q%-67.01%
Revenue 1Y (TTM)91.81%
Revenue growth 3Y-1.97%
Revenue growth 5Y2.99%
Sales Q2Q%397.21%

3.2 Future

  • Based on estimates for the next years, FFIC will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.22% on average per year.
  • The Revenue is expected to grow by 5.98% on average over the next years.
EPS Next Y28.2%
EPS Next 2Y19.22%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.32%
Revenue Next 2Y5.98%
Revenue Next 3YN/A
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.
  • 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M 250M
FFIC Yearly EPS VS EstimatesFFIC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2 2.5

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5

4. FFIC Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.77 indicates a correct valuation of FFIC.
  • FFIC's Price/Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 25.60, FFIC is valued rather cheaply.
  • The Price/Forward Earnings ratio is 9.96, which indicates a very decent valuation of FFIC.
  • The rest of the industry has a similar Price/Forward Earnings ratio as FFIC.
  • FFIC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.84.
Industry RankSector Rank
PE 12.77
Fwd PE 9.96
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 cheaper when compared to the industry. FFIC is cheaper than 71.05% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.46
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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • FFIC's earnings are expected to grow with 19.22% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.45
PEG (5Y)N/A
EPS Next 2Y19.22%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. FFIC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.90%, FFIC is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.66, FFIC pays a better dividend. On top of this FFIC pays more dividend than 96.84% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.88, FFIC pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.9%

5.2 History

  • The dividend of FFIC has a limited annual growth rate of 1.33%.
  • FFIC has been paying a dividend for at least 10 years, so it has a reliable track record.
  • FFIC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)1.33%
Div Incr Years0
Div Non Decr Years28
FFIC Yearly Dividends per shareFFIC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 162.91% of the earnings are spent on dividend by FFIC. This is not a sustainable payout ratio.
  • The dividend of FFIC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP162.91%
EPS Next 2Y19.22%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M -20M 40M 60M 80M
FFIC Dividend Payout.FFIC Dividend Payout, showing the Payout Ratio.FFIC Dividend Payout.PayoutRetained Earnings

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FFIC Fundamentals: All Metrics, Ratios and Statistics

FLUSHING FINANCIAL CORP

NASDAQ:FFIC (4/2/2026, 8:23:42 PM)

After market: 15.58 0 (0%)

15.58

+0.15 (+0.97%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners72.15%
Inst Owner Change3.1%
Ins Owners4.59%
Ins Owner Change3.96%
Market Cap527.85M
Revenue(TTM)238.93M
Net Income(TTM)18.59M
Analysts47.5
Price Target14.79 (-5.07%)
Short Float %2.11%
Short Ratio2.29
Dividend
Industry RankSector Rank
Dividend Yield 5.9%
Yearly Dividend0.9
Dividend Growth(5Y)1.33%
DP162.91%
Div Incr Years0
Div Non Decr Years28
Ex-Date03-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.05%
Min EPS beat(2)-10.54%
Max EPS beat(2)12.63%
EPS beat(4)3
Avg EPS beat(4)3.05%
Min EPS beat(4)-10.54%
Max EPS beat(4)12.63%
EPS beat(8)5
Avg EPS beat(8)48.76%
EPS beat(12)8
Avg EPS beat(12)36.26%
EPS beat(16)11
Avg EPS beat(16)28.2%
Revenue beat(2)0
Avg Revenue beat(2)-4.03%
Min Revenue beat(2)-5.83%
Max Revenue beat(2)-2.24%
Revenue beat(4)2
Avg Revenue beat(4)-0.12%
Min Revenue beat(4)-5.83%
Max Revenue beat(4)4.82%
Revenue beat(8)3
Avg Revenue beat(8)-25.51%
Revenue beat(12)6
Avg Revenue beat(12)-16.51%
Revenue beat(16)8
Avg Revenue beat(16)-13.2%
PT rev (1m)-9.37%
PT rev (3m)-9.37%
EPS NQ rev (1m)0.96%
EPS NQ rev (3m)-1.13%
EPS NY rev (1m)0%
EPS NY rev (3m)0.02%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.31%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.96%
Valuation
Industry RankSector Rank
PE 12.77
Fwd PE 9.96
P/S 2.21
P/FCF 9.46
P/OCF 8.65
P/B 0.75
P/tB 0.75
EV/EBITDA N/A
EPS(TTM)1.22
EY7.83%
EPS(NY)1.56
Fwd EY10.04%
FCF(TTM)1.65
FCFY10.57%
OCF(TTM)1.8
OCFY11.56%
SpS7.05
BVpS20.9
TBVpS20.87
PEG (NY)0.45
PEG (5Y)N/A
Graham Number23.95
Profitability
Industry RankSector Rank
ROA 0.21%
ROE 2.63%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 7.78%
GM N/A
FCFM 23.35%
ROA(3y)0.07%
ROA(5y)0.43%
ROE(3y)0.85%
ROE(5y)5.19%
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 3Y-36.7%
PM growth 5Y-14.49%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 4.31
Debt/EBITDA N/A
Cap/Depr 91.77%
Cap/Sales 2.19%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 300.11%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC20.99%
ROIC/WACCN/A
Cap/Depr(3y)71.51%
Cap/Depr(5y)66.75%
Cap/Sales(3y)2.25%
Cap/Sales(5y)1.99%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-22.29%
EPS 3Y-21.16%
EPS 5Y-6.31%
EPS Q2Q%-67.01%
EPS Next Y28.2%
EPS Next 2Y19.22%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)91.81%
Revenue growth 3Y-1.97%
Revenue growth 5Y2.99%
Sales Q2Q%397.21%
Revenue Next Year5.32%
Revenue Next 2Y5.98%
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 1Y452.36%
FCF growth 3Y-11.83%
FCF growth 5Y-4.09%
OCF growth 1Y391.62%
OCF growth 3Y-10.73%
OCF growth 5Y-3.06%

FLUSHING FINANCIAL CORP / FFIC Fundamental Analysis FAQ

What is the fundamental rating for FFIC stock?

ChartMill assigns a fundamental rating of 3 / 10 to FFIC.


What is the valuation status for FFIC stock?

ChartMill assigns a valuation rating of 5 / 10 to FLUSHING FINANCIAL CORP (FFIC). This can be considered as Fairly Valued.


What is the profitability of FFIC stock?

FLUSHING FINANCIAL CORP (FFIC) has a profitability rating of 2 / 10.


What is the valuation of FLUSHING FINANCIAL CORP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for FLUSHING FINANCIAL CORP (FFIC) is 12.77 and the Price/Book (PB) ratio is 0.75.


How financially healthy is FLUSHING FINANCIAL CORP?

The financial health rating of FLUSHING FINANCIAL CORP (FFIC) is 1 / 10.