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FLUSHING FINANCIAL CORP (FFIC) Stock Fundamental Analysis

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

12.71  0 (0%)

After market: 12.71 0 (0%)

Fundamental Rating

3

Overall FFIC gets a fundamental rating of 3 out of 10. We evaluated FFIC against 397 industry peers in the Banks industry. FFIC has a bad profitability rating. Also its financial health evaluation is rather negative. FFIC is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

FFIC had positive earnings in the past year.
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.
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

With a Return On Assets value of -0.35%, FFIC is not doing good in the industry: 93.95% of the companies in the same industry are doing better.
The Return On Equity of FFIC (-4.32%) is worse than 94.96% 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

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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.
Compared to 1 year ago, FFIC has more shares outstanding
The number of shares outstanding for FFIC has been increased compared to 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

FFIC has a debt to FCF ratio of 23.47. This is a negative value and a sign of low solvency as FFIC would need 23.47 years to pay back of all of its debts.
FFIC has a worse Debt to FCF ratio (23.47) than 83.12% 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 Debt to Equity ratio of 0.33. This is in the lower half of the industry: FFIC underperforms 70.78% 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

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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.
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 -38.25% in the last year.
FFIC shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.18% yearly.
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

Based on estimates for the next years, FFIC will show a decrease in Earnings Per Share. The EPS will decrease by -2.14% on average per year.
FFIC is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 25.05% yearly.
EPS Next Y-21.75%
EPS Next 2Y-2.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year43.19%
Revenue Next 2Y25.05%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue 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 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 7.57 indicates a rather cheap valuation of FFIC.
91.94% of the companies in the same industry are more expensive than FFIC, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 28.10. FFIC is valued rather cheaply when compared to this.
FFIC is valuated reasonably with a Price/Forward Earnings ratio of 8.45.
Based on the Price/Forward Earnings ratio, FFIC is valued a bit cheaper than the industry average as 74.81% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 20.74. FFIC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.57
Fwd PE 8.45
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

Based on the Price/Free Cash Flow ratio, FFIC is valued expensively inside the industry as 83.88% of the companies are valued cheaper.
Industry RankSector Rank
P/FCF 42.5
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

A cheap valuation may be justified as FFIC's earnings are expected to decrease with -2.14% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-2.14%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

FFIC has a Yearly Dividend Yield of 6.92%, which is a nice return.
Compared to an average industry Dividend Yield of 3.49, FFIC pays a better dividend. On top of this FFIC pays more dividend than 95.97% of the companies listed in the same industry.
FFIC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.43.
Industry RankSector Rank
Dividend Yield 6.92%

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 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.
The Dividend Rate of FFIC has been decling, while earnings will also be 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

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FLUSHING FINANCIAL CORP

NASDAQ:FFIC (5/5/2025, 8:09:03 PM)

After market: 12.71 0 (0%)

12.71

0 (0%)

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 Change0.65%
Ins Owners4.74%
Ins Owner Change3.74%
Market Cap429.34M
Analysts76
Price Target15.81 (24.39%)
Short Float %2.78%
Short Ratio2.8
Dividend
Industry RankSector Rank
Dividend Yield 6.92%
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)-4.62%
PT rev (3m)-10.79%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.18%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.59%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.17%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)1.01%
Valuation
Industry RankSector Rank
PE 7.57
Fwd PE 8.45
P/S 3.45
P/FCF 42.5
P/OCF 34.59
P/B 0.59
P/tB 0.61
EV/EBITDA N/A
EPS(TTM)1.68
EY13.22%
EPS(NY)1.5
Fwd EY11.83%
FCF(TTM)0.3
FCFY2.35%
OCF(TTM)0.37
OCFY2.89%
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 Year43.19%
Revenue Next 2Y25.05%
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%