16.44 USD
-0.21 (-1.26%)
At close: Feb 10, 2026
16.44 USD
0 (0%)
After Hours: 2/10/2026, 8:05:34 PM
FFIC gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. FFIC has a bad profitability rating. Also its financial health evaluation is rather negative. FFIC has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
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.
- FFIC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- With a Return On Assets value of -0.39%, FFIC is not doing good in the industry: 92.91% of the companies in the same industry are doing better.
- Looking at the Return On Equity, with a value of -4.86%, FFIC is doing worse than 93.44% of the companies in the same industry.
| 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.
- FFIC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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 Debt to FCF ratio of 4.60. This is in the lower half of the industry: FFIC underperforms 70.34% of its industry peers.
- FFIC has a Debt/Equity ratio of 0.34. This is a healthy value indicating a solid balance between debt and equity.
- FFIC's Debt to Equity ratio of 0.34 is on the low side compared to the rest of the industry. FFIC is outperformed by 69.55% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 4.6 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.33%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The earnings per share for FFIC have decreased strongly by -22.29% in the last year.
- The Earnings Per Share has been decreasing by -6.31% on average over the past years.
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%390.86%
3.2 Future
- FFIC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.22% yearly.
- 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
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 13.48, 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.
- The average S&P500 Price/Earnings ratio is at 28.03. FFIC is valued rather cheaply when compared to this.
- A Price/Forward Earnings ratio of 10.51 indicates a reasonable valuation of FFIC.
- 60.89% of the companies in the same industry are more expensive than FFIC, based on the Price/Forward Earnings ratio.
- FFIC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.97.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.48 | ||
| Fwd PE | 10.51 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, FFIC is valued a bit cheaper than the industry average as 66.93% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.7 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The 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)0.48
PEG (5Y)N/A
EPS Next 2Y19.22%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- FFIC has a Yearly Dividend Yield of 5.27%, which is a nice return.
- FFIC's Dividend Yield is rather good when compared to the industry average which is at 2.53. FFIC pays more dividend than 94.75% of the companies in the same industry.
- FFIC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.27% |
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 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 2Y19.22%
EPS Next 3YN/A
16.44
-0.21 (-1.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27 2026-01-27/amc
Earnings (Next)04-27 2026-04-27
Inst Owners71.06%
Inst Owner Change0.1%
Ins Owners4.33%
Ins Owner Change3.87%
Market Cap555.34M
Revenue(TTM)N/A
Net Income(TTM)-34.56M
Analysts47.5
Price Target16.32 (-0.73%)
Short Float %1.24%
Short Ratio0.99
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.27% |
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)0%
PT rev (3m)9.09%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)1.08%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.48 | ||
| Fwd PE | 10.51 | ||
| P/S | 3.46 | ||
| P/FCF | 10.7 | ||
| P/OCF | 9.94 | ||
| P/B | 0.78 | ||
| P/tB | 0.78 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.22
EY7.42%
EPS(NY)1.56
Fwd EY9.51%
FCF(TTM)1.54
FCFY9.34%
OCF(TTM)1.65
OCFY10.06%
SpS4.75
BVpS21.05
TBVpS21.03
PEG (NY)0.48
PEG (5Y)N/A
Graham Number24.04
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
WACC18.33%
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%390.86%
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 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 6 / 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 13.48 and the Price/Book (PB) ratio is 0.78.
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.