FLUSHING FINANCIAL CORP (FFIC) Stock Fundamental Analysis

NASDAQ:FFIC • US3438731057

16.3 USD
+0.34 (+2.13%)
At close: Feb 25, 2026
16.3 USD
0 (0%)
After Hours: 2/25/2026, 8:10:10 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
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. FFIC may be in some trouble as it scores bad on both profitability and health. FFIC is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

1

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.
  • 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

  • FFIC has a worse Return On Assets (-0.39%) than 93.14% of its industry peers.
  • FFIC has a Return On Equity of -4.86%. This is amonst the worse of the industry: FFIC underperforms 93.67% of its industry peers.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

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 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.
  • FFIC's Debt to FCF ratio of 4.60 is on the low side compared to the rest of the industry. FFIC is outperformed by 69.66% of its industry peers.
  • A Debt/Equity ratio of 0.34 indicates that FFIC is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.34, FFIC is not doing good in the industry: 69.92% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 4.6
Altman-Z N/A
ROIC/WACCN/A
WACC18.29%
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. Growth

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.
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

  • The Earnings Per Share is expected to grow by 19.22% on average over the next years. This is quite good.
  • 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

  • The EPS 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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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.36, the valuation of FFIC can be described as correct.
  • FFIC's Price/Earnings ratio is in line with the industry average.
  • FFIC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.05.
  • Based on the Price/Forward Earnings ratio of 10.42, the valuation of FFIC can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FFIC is on the same level as its industry peers.
  • The average S&P500 Price/Forward Earnings ratio is at 28.03. FFIC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 13.36
Fwd PE 10.42
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 65.70% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.61
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.
  • A more expensive valuation may be justified as FFIC's earnings are expected to grow with 19.22% in the coming years.
PEG (NY)0.47
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. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 5.31%, FFIC is a good candidate for dividend investing.
  • FFIC's Dividend Yield is rather good when compared to the industry average which is at 2.74. FFIC pays more dividend than 90.24% of the companies in the same industry.
  • FFIC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 5.31%

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 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
FFIC Yearly Dividends per shareFFIC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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

More info and screens

Find the best dividend stocksShow peers with best dividend

FLUSHING FINANCIAL CORP

NASDAQ:FFIC (2/25/2026, 8:10:10 PM)

After market: 16.3 0 (0%)

16.3

+0.34 (+2.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners71.06%
Inst Owner Change3.1%
Ins Owners4.33%
Ins Owner Change3.87%
Market Cap550.61M
Revenue(TTM)N/A
Net Income(TTM)-34.56M
Analysts47.5
Price Target16.32 (0.12%)
Short Float %1.28%
Short Ratio0.95
Dividend
Industry RankSector Rank
Dividend Yield 5.31%
Yearly Dividend0.83
Dividend Growth(5Y)-0.62%
DP-84.39%
Div Incr Years0
Div Non Decr Years28
Ex-DateN/A
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 13.36
Fwd PE 10.42
P/S 3.43
P/FCF 10.61
P/OCF 9.86
P/B 0.77
P/tB 0.78
EV/EBITDA N/A
EPS(TTM)1.22
EY7.48%
EPS(NY)1.56
Fwd EY9.6%
FCF(TTM)1.54
FCFY9.42%
OCF(TTM)1.65
OCFY10.14%
SpS4.75
BVpS21.05
TBVpS21.03
PEG (NY)0.47
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
WACC18.29%
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 13.36 and the Price/Book (PB) ratio is 0.77.


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.