FLUSHING FINANCIAL CORP (FFIC) Fundamental Analysis & Valuation

NASDAQ:FFIC • US3438731057

Current stock price

14.9812 USD
-0.07 (-0.46%)
Last:

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

1

1. FFIC Profitability Analysis

1.1 Basic Checks

  • In the past year FFIC was profitable.
  • FFIC had a positive operating cash flow in the past year.
  • In multiple years FFIC reported negative net income over the last 5 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's Return On Assets of -0.39% is on the low side compared to the rest of the industry. FFIC is outperformed by 93.44% of its industry peers.
  • With a Return On Equity value of -4.86%, FFIC is not doing good in the industry: 94.23% 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.
  • There is no outstanding debt for FFIC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and 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 has a worse Debt to FCF ratio (4.60) than 68.77% of its industry peers.
  • A Debt/Equity ratio of 0.34 indicates that FFIC is not too dependend on debt financing.
  • The Debt to Equity ratio of FFIC (0.34) is worse than 70.34% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 4.6
Altman-Z N/A
ROIC/WACCN/A
WACC18.75%
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.
  • FFIC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.31% yearly.
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%397.21%

3.2 Future

  • The Earnings Per Share is expected to grow by 19.22% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 5.98% on average over the next years.
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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5

4. FFIC Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 12.28, which indicates a correct valuation of FFIC.
  • Compared to the rest of the industry, the Price/Earnings ratio of FFIC is on the same level as its industry peers.
  • FFIC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.96.
  • Based on the Price/Forward Earnings ratio of 9.58, 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.
  • FFIC is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.04, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.28
Fwd PE 9.58
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of FFIC indicates a somewhat cheap valuation: FFIC is cheaper than 67.72% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 9.78
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

  • FFIC's 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)0.44
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

  • With a Yearly Dividend Yield of 5.78%, FFIC is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.90, FFIC pays a better dividend. On top of this FFIC pays more dividend than 91.86% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.91, FFIC pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.78%

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 (3/17/2026, 10:27:54 AM)

14.9812

-0.07 (-0.46%)

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 Cap507.56M
Revenue(TTM)N/A
Net Income(TTM)-34.56M
Analysts47.5
Price Target16.32 (8.94%)
Short Float %1.49%
Short Ratio1.39
Dividend
Industry RankSector Rank
Dividend Yield 5.78%
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 12.28
Fwd PE 9.58
P/S 3.17
P/FCF 9.78
P/OCF 9.09
P/B 0.71
P/tB 0.71
EV/EBITDA N/A
EPS(TTM)1.22
EY8.14%
EPS(NY)1.56
Fwd EY10.44%
FCF(TTM)1.53
FCFY10.22%
OCF(TTM)1.65
OCFY11.01%
SpS4.73
BVpS20.99
TBVpS20.97
PEG (NY)0.44
PEG (5Y)N/A
Graham Number24.01
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
WACC18.75%
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%397.21%
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 Fundamental Analysis 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 12.28 and the Price/Book (PB) ratio is 0.71.


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.