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FLUSHING FINANCIAL CORP (FFIC) Stock Fundamental Analysis

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

12.75  -0.11 (-0.86%)

After market: 12.75 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. Both the profitability and financial health of FFIC have multiple concerns. FFIC has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

In the past year FFIC was profitable.
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.
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 has a worse Return On Assets (-0.35%) than 93.67% of its industry peers.
The Return On Equity of FFIC (-4.32%) is worse than 94.68% of its industry peers.
Industry RankSector Rank
ROA -0.35%
ROE -4.32%
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

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.
FFIC has more shares outstanding than it did 5 years ago.
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 23.47, which is on the high side as it means it would take FFIC, 23.47 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of FFIC (23.47) is worse than 83.29% 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 70.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 23.47
Altman-Z N/A
ROIC/WACCN/A
WACC19.49%
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

4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 68.00% over the past year.
The Earnings Per Share has been decreasing by -0.13% on average over the past years.
The Revenue for FFIC has decreased by -38.25% in the past year. This is quite bad
The Revenue has been decreasing by -6.18% on average over the past years.
EPS 1Y (TTM)68%
EPS 3Y-14.82%
EPS 5Y-0.13%
EPS Q2Q%91.67%
Revenue 1Y (TTM)-38.25%
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 -2.14% yearly.
Based on estimates for the next years, FFIC will show a very strong growth in Revenue. The Revenue will grow by 25.31% on average per year.
EPS Next Y-21.75%
EPS Next 2Y-2.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year45.04%
Revenue Next 2Y25.31%
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

4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 7.59, the valuation of FFIC can be described as very cheap.
FFIC's Price/Earnings ratio is rather cheap when compared to the industry. FFIC is cheaper than 91.39% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 24.21, FFIC is valued rather cheaply.
FFIC is valuated reasonably with a Price/Forward Earnings ratio of 8.48.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FFIC indicates a somewhat cheap valuation: FFIC is cheaper than 72.66% of the companies listed in the same industry.
FFIC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.44.
Industry RankSector Rank
PE 7.59
Fwd PE 8.48
FFIC Price Earnings VS Forward Price EarningsFFIC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FFIC is valued expensively inside the industry as 84.05% of the companies are valued cheaper.
Industry RankSector Rank
P/FCF 42.63
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 earnings are expected to decrease with -2.14% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-2.14%
EPS Next 3YN/A

6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.84%, FFIC is a good candidate for dividend investing.
FFIC's Dividend Yield is rather good when compared to the industry average which is at 3.42. FFIC pays more dividend than 96.20% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, FFIC pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.84%

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 Years27
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

FFIC has negative earnings and hence a negative payout ratio. The dividend may be in danger.
FFIC's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP-83.12%
EPS Next 2Y-2.14%
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

FLUSHING FINANCIAL CORP

NASDAQ:FFIC (5/9/2025, 8:00:00 PM)

After market: 12.75 0 (0%)

12.75

-0.11 (-0.86%)

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 Owners70.88%
Inst Owner Change1.03%
Ins Owners4.74%
Ins Owner Change3.76%
Market Cap430.69M
Analysts76
Price Target14.41 (13.02%)
Short Float %2.78%
Short Ratio2.8
Dividend
Industry RankSector Rank
Dividend Yield 6.84%
Yearly Dividend0.83
Dividend Growth(5Y)-0.62%
DP-83.12%
Div Incr Years0
Div Non Decr Years27
Ex-Date03-14 2025-03-14 (0.22)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)198.84%
Min EPS beat(2)58.77%
Max EPS beat(2)338.91%
EPS beat(4)2
Avg EPS beat(4)94.46%
Min EPS beat(4)-17.61%
Max EPS beat(4)338.91%
EPS beat(8)5
Avg EPS beat(8)52.86%
EPS beat(12)8
Avg EPS beat(12)36.58%
EPS beat(16)10
Avg EPS beat(16)28.21%
Revenue beat(2)1
Avg Revenue beat(2)-96.82%
Min Revenue beat(2)-199.73%
Max Revenue beat(2)6.08%
Revenue beat(4)1
Avg Revenue beat(4)-50.9%
Min Revenue beat(4)-199.73%
Max Revenue beat(4)6.08%
Revenue beat(8)4
Avg Revenue beat(8)-24.7%
Revenue beat(12)6
Avg Revenue beat(12)-17.56%
Revenue beat(16)7
Avg Revenue beat(16)-13.94%
PT rev (1m)-12.4%
PT rev (3m)-18.7%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.59%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)1.3%
Revenue NY rev (3m)1.28%
Valuation
Industry RankSector Rank
PE 7.59
Fwd PE 8.48
P/S 3.46
P/FCF 42.63
P/OCF 34.7
P/B 0.59
P/tB 0.61
EV/EBITDA N/A
EPS(TTM)1.68
EY13.18%
EPS(NY)1.5
Fwd EY11.79%
FCF(TTM)0.3
FCFY2.35%
OCF(TTM)0.37
OCFY2.88%
SpS3.69
BVpS21.45
TBVpS20.89
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.35%
ROE -4.32%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 8.11%
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 Turnover0.01
Health
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 23.47
Debt/EBITDA N/A
Cap/Depr 37.6%
Cap/Sales 1.85%
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
WACC19.49%
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-21.75%
EPS Next 2Y-2.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-38.25%
Revenue growth 3Y-20.9%
Revenue growth 5Y-6.18%
Sales Q2Q%27.66%
Revenue Next Year45.04%
Revenue Next 2Y25.31%
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-65.28%
FCF growth 3Y-50.82%
FCF growth 5Y-29.87%
OCF growth 1Y-64.11%
OCF growth 3Y-48.06%
OCF growth 5Y-27.91%