FLUSHING FINANCIAL CORP (FFIC) Fundamental Analysis & Valuation

NASDAQ:FFIC • US3438731057

15.39 USD
-0.27 (-1.72%)
At close: Mar 6, 2026
15.39 USD
0 (0%)
After Hours: 3/6/2026, 8:16:49 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to FFIC. FFIC was compared to 379 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 on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

1

1. FFIC Profitability Analysis

1.1 Basic Checks

  • FFIC had positive earnings in the past year.
  • In the past year FFIC had a positive cash flow from operations.
  • The reported net income has been mixed in the past 5 years: FFIC reported negative net income in multiple years.
  • Of the past 5 years FFIC 4 years had a positive operating cash flow.
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 0 20M -20M 40M 60M 80M

1.2 Ratios

  • With a Return On Assets value of -0.39%, FFIC is not doing good in the industry: 93.67% of the companies in the same industry are doing better.
  • With a Return On Equity value of -4.86%, FFIC is not doing good in the industry: 94.20% of the companies in the same industry are doing better.
Industry RankSector 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
FFIC Yearly ROA, ROE, ROICFFIC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
FFIC Yearly Shares OutstandingFFIC Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

  • The Debt to FCF ratio of FFIC is 4.60, which is a neutral value as it means it would take FFIC, 4.60 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 4.60, FFIC is not doing good in the industry: 69.13% 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.
  • FFIC's Debt to Equity ratio of 0.34 is on the low side compared to the rest of the industry. FFIC is outperformed by 70.45% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 4.6
Altman-Z N/A
ROIC/WACCN/A
WACC18.57%
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 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 10M 20M 30M 40M 50M

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

2

3. FFIC Growth Analysis

3.1 Past

  • The earnings per share for FFIC have decreased strongly by -22.29% in the last year.
  • 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 quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.22% yearly.
  • FFIC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.98% yearly.
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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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

  • With a Price/Earnings ratio of 12.61, FFIC is valued correctly.
  • Compared to the rest of the industry, the Price/Earnings ratio of FFIC is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Earnings ratio of 26.29, FFIC is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 9.84, the valuation of FFIC can be described as reasonable.
  • FFIC's Price/Forward Earnings is on the same level as the industry average.
  • FFIC is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.57, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.61
Fwd PE 9.84
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 66.49% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.02
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

6

5. FFIC Dividend Analysis

5.1 Amount

  • FFIC has a Yearly Dividend Yield of 5.62%, which is a nice return.
  • FFIC's Dividend Yield is rather good when compared to the industry average which is at 2.73. FFIC pays more dividend than 91.56% of the companies in the same industry.
  • FFIC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 5.62%

5.2 History

  • The dividend of FFIC decreases each year by -0.62%.
  • 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)-0.62%
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

  • 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 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 0 20M -20M 40M 60M 80M

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FFIC Fundamentals: All Metrics, Ratios and Statistics

FLUSHING FINANCIAL CORP

NASDAQ:FFIC (3/6/2026, 8:16:49 PM)

After market: 15.39 0 (0%)

15.39

-0.27 (-1.72%)

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 Change3.87%
Market Cap521.41M
Revenue(TTM)N/A
Net Income(TTM)-34.56M
Analysts47.5
Price Target16.32 (6.04%)
Short Float %2.31%
Short Ratio1.74
Dividend
Industry RankSector Rank
Dividend Yield 5.62%
Yearly Dividend0.83
Dividend Growth(5Y)-0.62%
DP-84.39%
Div Incr Years0
Div Non Decr Years28
Ex-Date03-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.37%
Min EPS beat(2)2.11%
Max EPS beat(2)12.63%
EPS beat(4)4
Avg EPS beat(4)90.42%
Min EPS beat(4)2.11%
Max EPS beat(4)338.91%
EPS beat(8)6
Avg EPS beat(8)52.06%
EPS beat(12)8
Avg EPS beat(12)34.33%
EPS beat(16)11
Avg EPS beat(16)27.85%
Revenue beat(2)1
Avg Revenue beat(2)1.29%
Min Revenue beat(2)-2.24%
Max Revenue beat(2)4.82%
Revenue beat(4)2
Avg Revenue beat(4)-48.59%
Min Revenue beat(4)-199.73%
Max Revenue beat(4)4.82%
Revenue beat(8)4
Avg Revenue beat(8)-23.66%
Revenue beat(12)6
Avg Revenue beat(12)-18.02%
Revenue beat(16)8
Avg Revenue beat(16)-13.24%
PT rev (1m)0%
PT rev (3m)6.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)1.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 12.61
Fwd PE 9.84
P/S 3.24
P/FCF 10.02
P/OCF 9.31
P/B 0.73
P/tB 0.73
EV/EBITDA N/A
EPS(TTM)1.22
EY7.93%
EPS(NY)1.56
Fwd EY10.16%
FCF(TTM)1.54
FCFY9.98%
OCF(TTM)1.65
OCFY10.74%
SpS4.75
BVpS21.05
TBVpS21.03
PEG (NY)0.45
PEG (5Y)N/A
Graham Number24.04
Profitability
Industry RankSector Rank
ROA -0.39%
ROE -4.86%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 32.36%
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 RankSector Rank
Debt/Equity 0.34
Debt/FCF 4.6
Debt/EBITDA N/A
Cap/Depr 68%
Cap/Sales 2.47%
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
WACC18.57%
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)-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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%390.86%
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 1Y89.25%
FCF growth 3Y-50.82%
FCF growth 5Y-29.87%
OCF growth 1Y72.61%
OCF growth 3Y-48.06%
OCF growth 5Y-27.91%

FLUSHING FINANCIAL CORP / FFIC FAQ

What is the fundamental rating for FFIC stock?

ChartMill assigns a fundamental rating of 2 / 10 to FFIC.


What is the valuation status of FLUSHING FINANCIAL CORP (FFIC) stock?

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 1 / 10.


Can you provide the PE and PB ratios for FFIC stock?

The Price/Earnings (PE) ratio for FLUSHING FINANCIAL CORP (FFIC) is 12.61 and the Price/Book (PB) ratio is 0.73.


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 28.2% in the next year.