Flushing Financial Corporation
FFIC · Price history
Price chart data is not currently available.
Company & revenue
About Flushing Financial Corporation
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Flushing Financial Corporation operates as the bank holding company for Flushing Bank that provides banking products and services primarily to consumers, businesses, and governmental units. It offers various deposit products, including checking and savings accounts, money market accounts, non-interest bearing demand accounts, NOW accounts, and certificates of deposit. The company provides mortgage loans secured by multi-family residential, commercial real estate, one-to-four family mixed-use property, one-to-four family residential property, and commercial business loans; construction loans; small business administration loans and other small business loans; mortgage loan surrogates, such as mortgage-backed securities; and consumer loans, including overdraft lines of credit, as well as the United States government securities, corporate fixed-income securities, and other marketable securities.
How they make money
Flushing Financial Corporation operates as a bank holding company that generates revenue primarily through net interest income, which is the difference between interest earned on loans and investment securities and interest paid on deposits and borrowings. The company also earns non-interest income through service charges, fees on deposit accounts, and other banking-related financial services.
Products & services
The company provides a range of banking products including checking, savings, money market, and NOW accounts, certificates of deposit, and various loan products such as multi-family residential, commercial real estate, and small business loans.
Brands & revenue mix
The primary banking subsidiary through which the company conducts its operations.
Separate brand revenue is not available in this research.Source
An internet branch brand offering digital banking services.
Separate brand revenue is not available in this research.Source
An internet branch brand focused on digital banking.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
- Third-party vendors — Various third-party vendors provide essential operational, technology, and administrative services to support the bank's infrastructure.Source
Strengths
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
40
Weak
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
25
Poor
Financial Strength
27
Business Quality / Moat
21
Management
16
Growth Quality
35
Risk / Durability
30
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
56
Avoid
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
49/100
Building Historical Record
Model Score 49/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as moderate rather than unusually attractive.
The model outlook is currently cautious.
- •Valuation scores attractively
- •Recent buyback activity is present
- •Debt service risk
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for FFIC
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can FFIC maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is FFIC's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is FFIC's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is FFIC's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
40
Opportunity Score
56
Market Cap
$524.2M
P/E Ratio
15.5
EPS
$1.00
52-Week High
$17.79
52-Week Low
$11.13
Beta
0.82
Intrinsic Value
$31.57
Analyst Target
$16.75
Shares Outstanding
34.5M
Total Revenue
$482.5M
Total Debt
$468.4M
Dividend Yield (TTM)
4.27%
Liquidation Value / Share
$20.22
Dividend / Share (TTM)
$0.66
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Notices for FFIC
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Debt service risk
Interest coverage is low (~0.1x). Earnings may be strained to cover interest expense.
Community Sentiment
0 active · 0 total callsNo personal call yet on FFIC.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Established presence in the New York metropolitan area.
- +Diversified deposit and loan product offerings.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Banks - Regional industry.
- −Interest rate risk affecting net interest margin.
- −Credit risk associated with loan portfolio performance.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
6 historical score records availablePrevious Score
40
Sep 24, 2026
Change
Unchanged
Current Score
40
Oct 1, 2026
Category Changes
FFIC score was unchanged.
Projected Score
Projected Score
34
Projected Change
-6.0 points
Preliminary comparable-period financial changes suggest decline of approximately 6.0 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$15.47
Model Intrinsic Value
$31.57
Difference
−$16.10
-51.0% vs IV
Margin of Safety
51.0%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $482.5M | $453.2M | $408.1M | $424.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $255.4M | $263.5M | $292.9M | $232.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $227.1M | $189.7M | $115.2M | $191.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $111.8M | $113.0M | $97.7M | $90.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $178.5M | $155.2M | $163.4M | $151.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $54.2M | $39.9M | -$42.1M | $46.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $48.6M | $34.5M | -$48.3M | $39.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $245.0M | $250.7M | $283.4M | $222.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $48.6M | $34.5M | -$48.3M | $39.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $14.1M | $15.6M | -$16.9M | $11.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $34.5M | $18.9M | -$31.3M | $28.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $1.00 | $0.54 | $-1.05 | $0.96 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 33.98M | 34.49M | 29.95M | 29.93M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 33.98M | 34.49M | 29.95M | 29.93M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$114.7M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.17
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+0.5%
Cash Change
-35.7%
Margin Change
+13.1 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
What Weakened
- Cash position declined
- Debt increased
Potential Score Impact
Positive indicators included net income margin. Pressure indicators included revenue growth, EPS growth, cash levels, debt levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue declined 5.6%. EPS declined 158.6%. Cash declined 35.7%. Total debt increased 0.5%. Net income margin improved by 13.1 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
6 historical recordsHistorical Score Chart
3 of 6 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Banks - RegionalNews
No news available for FFIC.
Rumor Mill · FFIC
Corporate developments & opportunities
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