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FLUSHING FINANCIAL CORP (FFIC) Stock Fundamental Analysis

NASDAQ:FFIC - Nasdaq - US3438731057 - Common Stock - Currency: USD

11.52  -0.41 (-3.44%)

After market: 11.52 0 (0%)

Fundamental Rating

3

Overall FFIC gets a fundamental rating of 3 out of 10. We evaluated FFIC against 395 industry peers in the Banks industry. FFIC may be in some trouble as it scores bad on both profitability and health. FFIC has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year FFIC was profitable.
In the past year FFIC had a positive cash flow from operations.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M 60M 80M

1.2 Ratios

FFIC's Return On Assets of -0.50% is on the low side compared to the rest of the industry. FFIC is outperformed by 94.43% of its industry peers.
FFIC's Return On Equity of -6.38% is on the low side compared to the rest of the industry. FFIC is outperformed by 95.95% of its industry peers.
Industry RankSector Rank
ROA -0.5%
ROE -6.38%
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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20 30

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1

2. Health

2.1 Basic Checks

FFIC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FFIC has been increased compared to 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.
FFIC Yearly Shares OutstandingFFIC Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

The Debt to FCF ratio of FFIC is 10.92, which is on the high side as it means it would take FFIC, 10.92 years of fcf income to pay off all of its debts.
FFIC's Debt to FCF ratio of 10.92 is on the low side compared to the rest of the industry. FFIC is outperformed by 80.00% 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.
Looking at the Debt to Equity ratio, with a value of 0.34, FFIC is doing worse than 72.66% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 10.92
Altman-Z N/A
ROIC/WACCN/A
WACC20.43%
FFIC Yearly LT Debt VS Equity VS FCFFFIC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 68.00% over the past year.
FFIC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.13% yearly.
FFIC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -29.80%.
Measured over the past years, FFIC shows a decrease in Revenue. The Revenue has been decreasing by -6.18% on average per year.
EPS 1Y (TTM)68%
EPS 3Y-14.82%
EPS 5Y-0.13%
EPS Q2Q%91.67%
Revenue 1Y (TTM)-29.8%
Revenue growth 3Y-20.9%
Revenue growth 5Y-6.18%
Sales Q2Q%27.66%

3.2 Future

FFIC is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.98% yearly.
The Revenue is expected to grow by 25.45% on average over the next years. This is a very strong growth
EPS Next Y-21.62%
EPS Next 2Y-1.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year46.26%
Revenue Next 2Y25.45%
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 decreasing.
When comparing the Revenue 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M 250M
FFIC Yearly EPS VS EstimatesFFIC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 6.86 indicates a rather cheap valuation of FFIC.
Based on the Price/Earnings ratio, FFIC is valued cheaply inside the industry as 94.94% of the companies are valued more expensively.
FFIC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.69.
The Price/Forward Earnings ratio is 7.64, which indicates a rather cheap valuation of FFIC.
Based on the Price/Forward Earnings ratio, FFIC is valued cheaper than 82.03% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of FFIC to the average of the S&P500 Index (21.29), we can say FFIC is valued rather cheaply.
Industry RankSector Rank
PE 6.86
Fwd PE 7.64
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

71.65% of the companies in the same industry are cheaper than FFIC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 17.88
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

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-1.98%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

FFIC has a Yearly Dividend Yield of 7.71%, which is a nice return.
Compared to an average industry Dividend Yield of 3.61, FFIC pays a better dividend. On top of this FFIC pays more dividend than 96.71% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.43, FFIC pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.71%

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 2015 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.
FFIC's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP-60.32%
EPS Next 2Y-1.98%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M 60M 80M

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FLUSHING FINANCIAL CORP

NASDAQ:FFIC (6/25/2025, 8:00:00 PM)

After market: 11.52 0 (0%)

11.52

-0.41 (-3.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-29 2025-04-29/amc
Earnings (Next)07-28 2025-07-28/amc
Inst Owners72.32%
Inst Owner Change2.66%
Ins Owners4.33%
Ins Owner Change2.98%
Market Cap389.15M
Analysts76
Price Target14.41 (25.09%)
Short Float %2.69%
Short Ratio3.82
Dividend
Industry RankSector Rank
Dividend Yield 7.71%
Yearly Dividend0.83
Dividend Growth(5Y)-0.62%
DP-60.32%
Div Incr Years0
Div Non Decr Years28
Ex-Date06-13 2025-06-13 (0.22)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)173.46%
Min EPS beat(2)8.02%
Max EPS beat(2)338.91%
EPS beat(4)3
Avg EPS beat(4)100.87%
Min EPS beat(4)-2.23%
Max EPS beat(4)338.91%
EPS beat(8)6
Avg EPS beat(8)59.88%
EPS beat(12)8
Avg EPS beat(12)36.75%
EPS beat(16)10
Avg EPS beat(16)27.91%
Revenue beat(2)1
Avg Revenue beat(2)-98.48%
Min Revenue beat(2)-199.73%
Max Revenue beat(2)2.78%
Revenue beat(4)2
Avg Revenue beat(4)-48.3%
Min Revenue beat(4)-199.73%
Max Revenue beat(4)6.08%
Revenue beat(8)5
Avg Revenue beat(8)-23.56%
Revenue beat(12)7
Avg Revenue beat(12)-17.12%
Revenue beat(16)7
Avg Revenue beat(16)-14.24%
PT rev (1m)0%
PT rev (3m)-13.08%
EPS NQ rev (1m)-1.48%
EPS NQ rev (3m)-2.08%
EPS NY rev (1m)1.13%
EPS NY rev (3m)0.17%
Revenue NQ rev (1m)-0.83%
Revenue NQ rev (3m)2.23%
Revenue NY rev (1m)0.18%
Revenue NY rev (3m)2.13%
Valuation
Industry RankSector Rank
PE 6.86
Fwd PE 7.64
P/S 2.84
P/FCF 17.88
P/OCF 15.26
P/B 0.55
P/tB 0.55
EV/EBITDA N/A
EPS(TTM)1.68
EY14.58%
EPS(NY)1.51
Fwd EY13.09%
FCF(TTM)0.64
FCFY5.59%
OCF(TTM)0.75
OCFY6.55%
SpS4.06
BVpS20.81
TBVpS20.78
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.5%
ROE -6.38%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 15.87%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score4
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 10.92
Debt/EBITDA N/A
Cap/Depr 61.62%
Cap/Sales 2.72%
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-Score4
WACC20.43%
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)68%
EPS 3Y-14.82%
EPS 5Y-0.13%
EPS Q2Q%91.67%
EPS Next Y-21.62%
EPS Next 2Y-1.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-29.8%
Revenue growth 3Y-20.9%
Revenue growth 5Y-6.18%
Sales Q2Q%27.66%
Revenue Next Year46.26%
Revenue Next 2Y25.45%
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 1Y-27.34%
FCF growth 3Y-50.82%
FCF growth 5Y-29.87%
OCF growth 1Y-26.66%
OCF growth 3Y-48.06%
OCF growth 5Y-27.91%