FLUSHING FINANCIAL CORP (FFIC) Stock Fundamental Analysis
USA - NASDAQ:FFIC - US3438731057 - Common Stock
13.33 USD
-0.08 (-0.6%)
FFIC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. FFIC may be in some trouble as it scores bad on both profitability and health. FFIC has a decent growth rate and is not valued too expensively.
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.
Each year in the past 5 years FFIC had a positive operating cash flow.
1.2 Ratios
FFIC has a worse Return On Assets (-0.41%) than 93.61% of its industry peers.
FFIC has a worse Return On Equity (-5.09%) than 94.37% of its industry peers.
| 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
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.
The number of shares outstanding for FFIC has been increased compared to 1 year ago.
FFIC has more shares outstanding than it did 5 years ago.
The debt/assets ratio for FFIC has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of FFIC is 6.31, which is on the high side as it means it would take FFIC, 6.31 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 6.31, FFIC is doing worse than 71.61% of the companies in the same industry.
FFIC has a Debt/Equity ratio of 0.33. This is a healthy value indicating a solid balance between debt and equity.
FFIC's Debt to Equity ratio of 0.33 is on the low side compared to the rest of the industry. FFIC is outperformed by 71.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | 6.31 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.26%
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 104.49%, which is quite impressive.
The Earnings Per Share has been decreasing by -0.13% on average over the past years.
Looking at the last year, FFIC shows a very negative growth in Revenue. The Revenue has decreased by -20.75% in the last year.
The Revenue has been decreasing by -6.18% on average over the past years.
EPS 1Y (TTM)104.49%
EPS 3Y-14.82%
EPS 5Y-0.13%
EPS Q2Q%77.78%
Revenue 1Y (TTM)-20.75%
Revenue growth 3Y-20.9%
Revenue growth 5Y-6.18%
Sales Q2Q%35.1%
3.2 Future
Based on estimates for the next years, FFIC will show a decrease in Earnings Per Share. The EPS will decrease by -3.07% on average per year.
FFIC is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 24.82% yearly.
EPS Next Y-23.71%
EPS Next 2Y-3.07%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year47.34%
Revenue Next 2Y24.82%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 7.32 indicates a rather cheap valuation of FFIC.
Compared to the rest of the industry, the Price/Earnings ratio of FFIC indicates a rather cheap valuation: FFIC is cheaper than 94.37% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.02, FFIC is valued rather cheaply.
FFIC is valuated reasonably with a Price/Forward Earnings ratio of 9.04.
FFIC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FFIC is cheaper than 60.36% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of FFIC to the average of the S&P500 Index (22.57), we can say FFIC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.32 | ||
| Fwd PE | 9.04 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FFIC is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.03 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
FFIC's earnings are expected to decrease with -3.07% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-3.07%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.37%, FFIC is a good candidate for dividend investing.
FFIC's Dividend Yield is rather good when compared to the industry average which is at 3.60. FFIC pays more dividend than 90.03% of the companies in the same industry.
FFIC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.37% |
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 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
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-78.26%
EPS Next 2Y-3.07%
EPS Next 3YN/A
NASDAQ:FFIC (10/13/2025, 11:57:39 AM)
13.33
-0.08 (-0.6%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners71.92%
Inst Owner Change0%
Ins Owners4.33%
Ins Owner Change-0.03%
Market Cap450.29M
Analysts76
Price Target14.28 (7.13%)
Short Float %1.51%
Short Ratio2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.37% |
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)1.82%
PT rev (3m)-0.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.18%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.04%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.92%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.49%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.32 | ||
| Fwd PE | 9.04 | ||
| P/S | 2.93 | ||
| P/FCF | 12.03 | ||
| P/OCF | 10.8 | ||
| P/B | 0.64 | ||
| P/tB | 0.64 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.82
EY13.65%
EPS(NY)1.48
Fwd EY11.07%
FCF(TTM)1.11
FCFY8.31%
OCF(TTM)1.23
OCFY9.26%
SpS4.55
BVpS20.91
TBVpS20.88
PEG (NY)N/A
PEG (5Y)N/A
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
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-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
WACC19.26%
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)104.49%
EPS 3Y-14.82%
EPS 5Y-0.13%
EPS Q2Q%77.78%
EPS Next Y-23.71%
EPS Next 2Y-3.07%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-20.75%
Revenue growth 3Y-20.9%
Revenue growth 5Y-6.18%
Sales Q2Q%35.1%
Revenue Next Year47.34%
Revenue Next 2Y24.82%
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 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%