15.05 USD
+0.29 (+1.96%)
15.05 USD
0 (0%)
FFIC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. FFIC has a bad profitability rating. Also its financial health evaluation is rather negative. FFIC has a decent growth rate and is not valued too expensively.
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.
FFIC had positive earnings in 4 of the past 5 years.
In the past 5 years FFIC always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of FFIC (-0.39%) is worse than 92.76% of its industry peers.
The Return On Equity of FFIC (-4.86%) is worse than 93.28% of its industry peers.
| Industry Rank | Sector 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
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.
Compared to 1 year ago, FFIC has more shares outstanding
FFIC has more shares outstanding than it did 5 years ago.
FFIC has a better debt/assets ratio than last year.
2.2 Solvency
FFIC has a debt to FCF ratio of 4.60. This is a neutral value as FFIC would need 4.60 years to pay back of all of its debts.
FFIC has a worse Debt to FCF ratio (4.60) than 70.03% of its industry peers.
A Debt/Equity ratio of 0.34 indicates that FFIC is not too dependend on debt financing.
FFIC has a Debt to Equity ratio of 0.34. This is in the lower half of the industry: FFIC underperforms 70.28% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 4.6 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.75%
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.
FFIC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -18.96%.
The Revenue has been decreasing by -6.18% on average over the past years.
EPS 1Y (TTM)114.94%
EPS 3Y-14.82%
EPS 5Y-0.13%
EPS Q2Q%16.67%
Revenue 1Y (TTM)-18.96%
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.
The Revenue is expected to grow by 18.78% on average over the next years. This is quite good.
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 8.05, the valuation of FFIC can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of FFIC indicates a rather cheap valuation: FFIC is cheaper than 93.54% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.19. FFIC is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 9.62, which indicates a very decent valuation of FFIC.
65.37% of the companies in the same industry are more expensive than FFIC, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.88, FFIC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.05 | ||
| Fwd PE | 9.62 |
4.2 Price Multiples
FFIC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FFIC is cheaper than 67.70% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.8 | ||
| 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 5.96%, which is a nice return.
Compared to an average industry Dividend Yield of 2.86, FFIC pays a better dividend. On top of this FFIC pays more dividend than 90.44% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.90, FFIC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.96% |
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.
DP-84.39%
EPS Next 2Y-0.2%
EPS Next 3Y4.39%
15.05
+0.29 (+1.96%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners71.06%
Inst Owner Change0%
Ins Owners4.33%
Ins Owner Change0%
Market Cap508.39M
Revenue(TTM)160.34M
Net Income(TTM)-34.56M
Analysts47.5
Price Target16.32 (8.44%)
Short Float %1.81%
Short Ratio2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.96% |
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)6.67%
PT rev (3m)14.29%
EPS NQ rev (1m)0%
EPS NQ rev (3m)11.15%
EPS NY rev (1m)0%
EPS NY rev (3m)5%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.64%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.05 | ||
| Fwd PE | 9.62 | ||
| P/S | 3.17 | ||
| P/FCF | 9.8 | ||
| P/OCF | 9.1 | ||
| P/B | 0.71 | ||
| P/tB | 0.72 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.87
EY12.43%
EPS(NY)1.56
Fwd EY10.39%
FCF(TTM)1.54
FCFY10.21%
OCF(TTM)1.65
OCFY10.99%
SpS4.75
BVpS21.05
TBVpS21.03
PEG (NY)N/A
PEG (5Y)N/A
Graham Number29.76
Profitability
| Industry Rank | Sector 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 Rank | Sector 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)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)-18.96%
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 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 3 / 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 2 / 10.
Can you provide the PE and PB ratios for FFIC stock?
The Price/Earnings (PE) ratio for FLUSHING FINANCIAL CORP (FFIC) is 8.05 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 decline by -19.89% in the next year.