Flushing Financial Corporation FFIC R2K
Company Overview
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. It operates full-service banking offices in Queens, Nassau, Suffolk, Kings, and New York counties; and an internet branch under the iGObanking and BankPurely brands. Flushing Financial Corporation was founded in 1929 and is based in Uniondale, New York.
Why Investors Should Care
Trades at an undemanding P/E of 15.5.
Maintains a net profit margin of 15.2%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $238.93M (+91.5% YoY); net profit $18.88M.
- Trailing 12 Months Year-on-year growth — revenue +2.3%.
- 5-Year Trend Long-term compounding — revenue CAGR -2.0%, profit CAGR -37.4%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | -1.97% |
| 1 Year: | 2.30% |
Compounded Profit Growth
| 5 Years: | -37.40% |
| 1 Year: | - |
Stock Price Performance
| 1 Year: | - |
| 6 Months: | - |
| 3 Months: | - |
| 1 Month: | - |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
P/E of 15.50 is above the sector median of 13.30 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Generates positive free cash flow.
CONS
- Revenue declined at -2.0% CAGR over 5 years.
- Earnings shrank at -37.4% CAGR over 5 years.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | FFIC Flushing Financial Corporation R2K | 15.50 | 15.50 | $525.20M | 0.06% | - | 4.93% | -1.97% | -37.40% |
| 2 | JPM JPMorgan Chase & Co. SPX | 342.89 | 16.42 | $918.78B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 491.09 | 14.61 | $686.70B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 356.02 | 31.01 | $590.89B | 0.83% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 538.02 | 31.10 | $471.86B | 0.71% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 60.62 | 15.04 | $430.20B | 2.00% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 227.67 | 20.62 | $359.10B | 1.87% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,140.00 | 20.83 | $336.31B | 1.69% | - | 14.55% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 85.29 | 13.18 | $261.00B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | 874.00K | 1.01M | 885.00K | - | 948.00K | 1.00M | 1.02M | - | 973.00K | 1.06M | 847.00K | - | 798.00K | 944.00K | 1.32M | - | 2.73M | 1.23M | 865.00K | 1.37M | 1.17M | 1.35M | - | 1.41M | 1.78M | 2.64M | - | 1.39M | 1.58M | 1.79M | - | 58.06M | 63.49M | 58.57M | 58.81M | 56.98M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 63.55M | 64.19M | 62.64M | 60.32M | 57.82M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -5.93M | 18.94M | 13.68M | 7.84M | 8.19M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 3.87M | 4.73M | 3.23M | 3.81M | 2.36M |
| Net Income | 9.56M | 30.43M | 10.63M | 14.29M | 12.26M | 12.72M | 10.18M | 5.96M | 11.41M | 13.92M | 17.33M | 12.42M | 7.07M | 10.56M | 10.72M | 12.93M | -1.39M | 18.27M | 14.33M | 3.46M | 19.04M | 19.26M | 25.41M | 18.22M | 25.04M | 23.44M | 10.25M | 4.04M | 8.69M | 7.83M | 8.10M | 3.68M | 5.32M | 8.91M | - | -9.80M | 14.20M | 10.45M | 4.03M | 5.83M |
| Diluted EPS | 0.33 | 1.05 | 0.37 | 0.50 | 0.42 | 0.44 | 0.35 | 0.21 | 0.39 | 0.48 | 0.61 | 0.44 | 0.25 | 0.37 | 0.37 | 0.45 | -0.05 | 0.63 | 0.50 | 0.11 | 0.60 | 0.61 | 0.81 | 0.58 | 0.81 | 0.76 | 0.34 | 0.13 | 0.29 | 0.26 | 0.27 | 0.12 | 0.18 | 0.30 | - | -0.29 | 0.41 | 0.30 | 0.12 | 0.17 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | 3.76M | 4.16M | 4.03M | 3.72M | 4.50M | - | 253.62M | 201.74M | 124.74M | 238.93M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | 73.01M | 222.32M | 283.35M | 250.70M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | 104.85M | 39.83M | -48.27M | 34.52M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | 27.91M | 11.17M | -16.93M | 15.64M |
| Net Income | 25.56M | 38.84M | 35.35M | 34.33M | 37.75M | 44.24M | 46.21M | 64.92M | 41.12M | 55.09M | 41.28M | 34.67M | - | 76.94M | 28.66M | -31.33M | 18.88M |
| Diluted EPS | 0.91 | 1.28 | 1.15 | 1.13 | 1.26 | 1.48 | 1.59 | 2.24 | 1.41 | 1.92 | 1.44 | 1.18 | - | 2.50 | 0.96 | -1.05 | 0.54 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 4.32B | 4.29B | 4.45B | 4.72B | 5.08B | 5.70B | 6.06B | 6.30B | 6.83B | 7.02B | 7.98B | - | 8.42B | 8.54B | 9.04B | 8.69B |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | 30.40M | 28.43M | 47.79M | 55.72M | 40.42M | 33.48M | 34.27M | 42.36M | 35.86M | 51.55M | 118.56M | 49.80M | 157.40M | - | 85.41M | 124.21M | 109.41M | 109.46M |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 45.05M | 59.02M | 62.04M | 59.44M |
| Total Liabilities | - | - | 3.93B | 3.87B | 4.01B | 4.29B | 4.62B | 5.23B | 5.54B | 5.77B | 6.28B | 6.44B | 7.36B | - | 7.75B | 7.87B | 8.31B | 7.99B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.05B | 841.28M | 916.05M | 484.65M |
| Total Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.10B | 882.10M | 962.50M | 538.50M |
| Total Equity | - | 360.14M | 390.05M | 416.91M | 442.37M | 432.53M | 456.25M | 473.07M | 513.85M | 532.61M | 549.46M | 579.67M | 619.00M | - | 677.16M | 669.84M | 724.54M | 707.98M |
| Shares Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 34.09M | 34.09M | 38.68M | 38.68M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 28.02M | 67.19M | 64.72M | - | - | 57.38M | 44.73M | 42.40M | 83.53M | 77.30M | 63.77M | 71.28M | - | 85.75M | 34.59M | 12.41M | 61.02M |
| Investing Cash Flow | -192.79M | -180.92M | 22.69M | -197.99M | -326.02M | -339.58M | -600.52M | -322.23M | -254.11M | -478.00M | -194.77M | 93.10M | - | -351.82M | -94.26M | -505.60M | 246.53M |
| Financing Cash Flow | 162.79M | 133.09M | -79.48M | 111.59M | 244.65M | 282.98M | 563.88M | 273.33M | 186.28M | 467.71M | 62.23M | -56.77M | - | 336.09M | 80.08M | 473.61M | -334.05M |
| Capital Expenditure | -2.69M | -3.01M | -4.56M | -1.29M | -809.00K | -4.33M | -11.09M | -6.66M | -9.43M | -5.41M | -4.21M | -2.51M | - | -4.34M | -5.49M | -2.31M | -5.22M |
| Free Cash Flow | 25.34M | 64.18M | 60.16M | - | - | 53.05M | 33.64M | 35.74M | 74.09M | 71.89M | 59.56M | 68.77M | - | 81.41M | 29.10M | 10.10M | 55.80M |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | - | - | - | - | 70.03M | 20.40M | -19.58M | -26.50M |
| Share Buybacks | 231.00K | 347.00K | 7.72M | 5.55M | 14.15M | 18.87M | 15.61M | 9.86M | 9.29M | 22.59M | 2.66M | 3.88M | 11.37M | 27.25M | 11.47M | - | - |
| Dividends Paid | - | 15.79M | 15.91M | 15.82M | 15.62M | 17.85M | 18.62M | - | - | - | - | - | - | - | - | - | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - | - | 1,727.4% | 989.4% | 1,367.0% | 1,108.8% | 770.5% | - | 30.3% | 14.2% | -25.1% | 7.9% |
| ROE % | 7.1% | 10.0% | 8.5% | 7.8% | 8.7% | 9.7% | 9.8% | 12.6% | 7.7% | 10.0% | 7.1% | 5.6% | - | 11.4% | 4.3% | -4.3% | 2.7% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Wellington Management Group, LLP | 9.55% | 3.24M | $50.08M |
| 2 | Blackrock Inc. | 8.87% | 3.01M | $46.51M |
| 3 | Vanguard Capital Management LLC | 4.22% | 1.43M | $22.13M |
| 4 | Dimensional Fund Advisors LP | 3.63% | 1.23M | $19.05M |
| 5 | State Street Corporation | 3.63% | 1.23M | $19.05M |
| 6 | Two Sigma Investments, LP | 3.55% | 1.20M | $18.60M |
| 7 | Qube Research & Technologies Ltd | 2.52% | 855.47K | $13.23M |
| 8 | Gamco Investors, Inc ET AL | 2.49% | 844.45K | $13.06M |
| 9 | Geode Capital Management, LLC | 2.48% | 841.53K | $13.02M |
| 10 | Glazer Capital LLC | 2.42% | 821.35K | $12.71M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for FFIC
How The Investment Story For Flushing Financial (FFIC) Is Quietly Shifting On New Analyst Assumptions - Yahoo Finance
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FFIC — Frequently Asked Questions
What is the current share price of Flushing Financial Corporation (FFIC)?
As of 2026-07-14 21:23 PDT, Flushing Financial Corporation (FFIC) trades at $15.50 on NMS. Its 52-week range is $15.50 to $15.50.
What is the market capitalisation of FFIC?
Flushing Financial Corporation (FFIC) has a market capitalisation of $525.20M on NMS.
What is the P/E ratio of FFIC?
FFIC trades at a trailing price-to-earnings (P/E) ratio of 15.50. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 0.75.
Does FFIC pay a dividend?
Flushing Financial Corporation (FFIC) currently offers a dividend yield of 0.06%.
What is the return on equity (ROE) of FFIC?
FFIC has a return on equity (ROE) of 4.93%.
Is FFIC a good stock to buy?
This page provides a data-driven analysis of Flushing Financial Corporation (FFIC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.