15.79 USD
+0.03 (+0.19%)
At close: Jan 30, 2026
15.79 USD
0 (0%)
After Hours: 1/30/2026, 8:00:00 PM
Taking everything into account, FFIC scores 3 out of 10 in our fundamental rating. FFIC was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of FFIC have multiple concerns. FFIC has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- In the past year FFIC was profitable.
- FFIC had a positive operating cash flow in the past year.
- In multiple years FFIC reported negative net income over the last 5 years.
- FFIC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- FFIC has a worse Return On Assets (-0.39%) than 92.69% of its industry peers.
- FFIC's Return On Equity of -4.86% is on the low side compared to the rest of the industry. FFIC is outperformed by 93.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.39% | ||
| ROE | -4.86% | ||
| 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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- FFIC has a debt to FCF ratio of 4.60. This is a neutral value as FFIC would need 4.60 years to pay back of all of its debts.
- The Debt to FCF ratio of FFIC (4.60) is worse than 69.71% of its industry peers.
- FFIC has a Debt/Equity ratio of 0.34. This is a healthy value indicating a solid balance between debt and equity.
- FFIC has a worse Debt to Equity ratio (0.34) than 70.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 4.6 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.58%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- FFIC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -22.29%.
- The Earnings Per Share has been decreasing by -6.31% on average over the past years.
EPS 1Y (TTM)-22.29%
EPS 3Y-21.16%
EPS 5Y-6.31%
EPS Q2Q%-67.01%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%390.86%
3.2 Future
- FFIC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.99% yearly.
- Based on estimates for the next years, FFIC will show a small growth in Revenue. The Revenue will grow by 6.71% on average per year.
EPS Next Y32.35%
EPS Next 2Y20.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.42%
Revenue Next 2Y6.71%
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 12.94, the valuation of FFIC can be described as correct.
- Compared to the rest of the industry, the Price/Earnings ratio of FFIC is on the same level as its industry peers.
- The average S&P500 Price/Earnings ratio is at 28.32. FFIC is valued rather cheaply when compared to this.
- A Price/Forward Earnings ratio of 9.78 indicates a reasonable valuation of FFIC.
- Based on the Price/Forward Earnings ratio, FFIC is valued a bit cheaper than the industry average as 66.32% of the companies are valued more expensively.
- FFIC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.94 | ||
| Fwd PE | 9.78 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, FFIC is valued a bit cheaper than 66.32% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.28 | ||
| EV/EBITDA | N/A |
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 20.99% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.4
PEG (5Y)N/A
EPS Next 2Y20.99%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.57%, FFIC is a good candidate for dividend investing.
- FFIC's Dividend Yield is rather good when compared to the industry average which is at 2.67. FFIC pays more dividend than 93.21% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.83, FFIC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.57% |
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
5.3 Sustainability
- The earnings of FFIC are negative and hence is the payout ratio. FFIC will probably not be able to sustain this dividend level.
DP-84.39%
EPS Next 2Y20.99%
EPS Next 3YN/A
FLUSHING FINANCIAL CORP / FFIC FAQ
What is the fundamental rating for FFIC stock?
ChartMill assigns a fundamental rating of 3 / 10 to FFIC.
What is the valuation status of FLUSHING FINANCIAL CORP (FFIC) stock?
ChartMill assigns a valuation rating of 6 / 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 1 / 10.
Can you provide the PE and PB ratios for FFIC stock?
The Price/Earnings (PE) ratio for FLUSHING FINANCIAL CORP (FFIC) is 12.94 and the Price/Book (PB) ratio is 0.75.
What is the expected EPS growth for FLUSHING FINANCIAL CORP (FFIC) stock?
The Earnings per Share (EPS) of FLUSHING FINANCIAL CORP (FFIC) is expected to grow by 32.35% in the next year.