14.58 USD
-0.21 (-1.42%)
14.58 USD
0 (0%)
Taking everything into account, FFIC scores 3 out of 10 in our fundamental rating. FFIC was compared to 387 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.
1. Profitability
1.1 Basic Checks
In the past year FFIC was profitable.
FFIC had a positive operating cash flow in the past year.
Of the past 5 years FFIC 4 years were profitable.
In the past 5 years FFIC always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of -0.39%, FFIC is doing worse than 92.76% of the companies in the same industry.
Looking at the Return On Equity, with a value of -4.86%, FFIC is doing worse than 93.28% 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.
The number of shares outstanding for FFIC has been increased compared to 1 year ago.
Compared to 5 years ago, FFIC has more shares outstanding
Compared to 1 year ago, FFIC has an improved debt to assets ratio.
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
WACC18.88%
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.
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 -18.96% 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)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
The Earnings Per Share is expected to grow by 4.39% on average over the next years.
Based on estimates for the next years, FFIC will show a quite strong growth in Revenue. The Revenue will grow by 18.78% on average per year.
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 7.80, the valuation of FFIC can be described as very cheap.
Based on the Price/Earnings ratio, FFIC is valued cheaply inside the industry as 94.06% of the companies are valued more expensively.
FFIC is valuated cheaply when we compare the Price/Earnings ratio to 26.92, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.32, the valuation of FFIC can be described as reasonable.
FFIC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FFIC is cheaper than 67.70% of the companies in the same industry.
FFIC is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.8 | ||
| Fwd PE | 9.32 |
4.2 Price Multiples
68.99% of the companies in the same industry are more expensive than FFIC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.49 | ||
| 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 5.80%, which is a nice return.
Compared to an average industry Dividend Yield of 2.78, FFIC pays a better dividend. On top of this FFIC pays more dividend than 93.02% 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 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.8% |
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
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%
14.58
-0.21 (-1.42%)
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 Cap492.51M
Revenue(TTM)160.34M
Net Income(TTM)-34.56M
Analysts77.78
Price Target16.32 (11.93%)
Short Float %1.81%
Short Ratio2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.8% |
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 | 7.8 | ||
| Fwd PE | 9.32 | ||
| P/S | 3.07 | ||
| P/FCF | 9.49 | ||
| P/OCF | 8.82 | ||
| P/B | 0.69 | ||
| P/tB | 0.69 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.87
EY12.83%
EPS(NY)1.56
Fwd EY10.72%
FCF(TTM)1.54
FCFY10.54%
OCF(TTM)1.65
OCFY11.34%
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
WACC18.88%
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 7.8 and the Price/Book (PB) ratio is 0.69.
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.