FLUSHING FINANCIAL CORP (FFIC) Stock Fundamental Analysis
USA - NASDAQ:FFIC - US3438731057 - Common Stock
15.09 USD
-0.09 (-0.59%)
15.09 USD
0 (0%)
FFIC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. Both the profitability and financial health of FFIC have multiple concerns. FFIC is not valued too expensively and it also shows a decent growth rate.
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.
FFIC had positive earnings in 4 of the past 5 years.
FFIC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of -0.41%, FFIC is not doing good in the industry: 93.56% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of -5.09%, FFIC is doing worse than 94.33% of the companies in the same industry.
| 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
The Profit Margin and Operating Margin and Gross Margin are not available for FFIC so they could not be analyzed.
| 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.
Compared to 5 years ago, FFIC has more shares outstanding
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.
FFIC has a worse Debt to FCF ratio (6.31) than 72.16% 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.
FFIC has a worse Debt to Equity ratio (0.33) than 71.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 6.31 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.71%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FFIC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 114.94%, which is quite impressive.
Measured over the past years, FFIC shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.13% on average per year.
The Revenue for FFIC has decreased by -38.25% in the past year. This is quite bad
FFIC shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.18% yearly.
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%12.9%
3.2 Future
Based on estimates for the next years, FFIC will show a small growth in Earnings Per Share. The EPS will grow by 4.39% on average per year.
Based on estimates for the next years, FFIC will show a quite strong growth in Revenue. The Revenue will grow by 18.78% on average per year.
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
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.
The Revenue 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
With a Price/Earnings ratio of 8.07, the valuation of FFIC can be described as very reasonable.
FFIC's Price/Earnings ratio is rather cheap when compared to the industry. FFIC is cheaper than 92.01% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.91. FFIC is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 9.65, the valuation of FFIC can be described as reasonable.
FFIC's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 34.57. FFIC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.07 | ||
| Fwd PE | 9.65 |
4.2 Price Multiples
FFIC's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.62 | ||
| 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 6.01%, which is a nice return.
Compared to an average industry Dividend Yield of 3.38, FFIC pays a better dividend. On top of this FFIC pays more dividend than 92.78% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, FFIC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.01% |
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
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%
15.09
-0.09 (-0.59%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners71.92%
Inst Owner Change0.2%
Ins Owners4.33%
Ins Owner Change-0.01%
Market Cap509.74M
Revenue(TTM)124.57M
Net Income(TTM)-35.93M
Analysts77.78
Price Target14.96 (-0.86%)
Short Float %1.78%
Short Ratio2.48
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.01% |
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)4.76%
PT rev (3m)6.67%
EPS NQ rev (1m)0.72%
EPS NQ rev (3m)2.58%
EPS NY rev (1m)5%
EPS NY rev (3m)4.96%
Revenue NQ rev (1m)-0.51%
Revenue NQ rev (3m)-2.37%
Revenue NY rev (1m)-0.13%
Revenue NY rev (3m)1.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.07 | ||
| Fwd PE | 9.65 | ||
| P/S | 3.32 | ||
| P/FCF | 13.62 | ||
| P/OCF | 12.22 | ||
| P/B | 0.72 | ||
| P/tB | 0.72 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.87
EY12.39%
EPS(NY)1.56
Fwd EY10.36%
FCF(TTM)1.11
FCFY7.34%
OCF(TTM)1.23
OCFY8.18%
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
WACC18.71%
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%12.9%
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 4 / 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 8.07 and the Price/Book (PB) ratio is 0.72.
Can you provide the financial health for FFIC stock?
The financial health rating of FLUSHING FINANCIAL CORP (FFIC) is 1 / 10.