Flushing Financial Corporation FFIC R2K
Financial Services · Banks - Regional · United States
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.
READ MORE ›$15.97
+43.14% 1Y
Market & Price
Market Cap
$541.12M
Current Price
$15.97
High / Low (52W)
$17.11 / $10.61
Beta
0.76
Valuation
Stock P/E
15.97
Industry PE
12.01
Forward P/E
9.31
PEG Ratio
1.34
Book Value
$20.58
Price to Book
0.78
P/S
2.38
EV/EBITDA
-
Dividend Yield
5.51%
Profitability & Returns
ROCE
-
ROE
4.93%
ROA
0.39%
Profit Margin
15.18%
Op Margin
16.82%
EPS (Latest Qtr)
$0.17
EPS (TTM)
$1.00
Balance Sheet & Liquidity
Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$491.53M
Total Assets
$8.69B
Current Assets
-
Working Capital
-
Ownership
Promoter Holding
4.26%
Chg in Prom Hold
-
FII / Inst Holding
78.14%
Chg in FII Hold
-
Financial Snapshot
Enterprise Value
$856.08M
Total Revenue (TTM)
$227.37M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$45.26M
Shares Outstanding
33.88M
Gross Margin
0.00%
Payout Ratio
110.00%
Growth (CAGR)
Revenue 5Y
-1.97%
Profit 5Y
-37.40%
Revenue (YoY)
2.30%
Earnings (YoY)
-
PROS
- Attractive dividend yield of 5.51%.
- In a confirmed uptrend (50-DMA above 200-DMA).
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.
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
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
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 | 15.97 | 15.97 | $541.12M | 5.51% | - | 4.93% | -1.97% | -37.40% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
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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 | - | - | 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 | - | - | -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 | - | - | -0.29 | 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 |
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: | +43.14% |
| 6 Months: | +1.79% |
| 3 Months: | +6.45% |
| 1 Month: | -0.19% |
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
Insiders
4.26%
Institutions
78.14%
Public Float
81.62%
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Wellington Management Group, LLP | 9.55% | 3.24M | $51.69M |
| 2 | Blackrock Inc. | 8.87% | 3.01M | $48.02M |
| 3 | Vanguard Capital Management LLC | 4.22% | 1.43M | $22.85M |
| 4 | Dimensional Fund Advisors LP | 3.63% | 1.23M | $19.67M |
| 5 | State Street Corporation | 3.63% | 1.23M | $19.67M |
| 6 | Two Sigma Investments, LP | 3.55% | 1.20M | $19.20M |
| 7 | Qube Research & Technologies Ltd | 2.52% | 855.47K | $13.66M |
| 8 | Gamco Investors, Inc ET AL | 2.49% | 844.45K | $13.49M |
| 9 | Geode Capital Management, LLC | 2.48% | 841.53K | $13.44M |
| 10 | Glazer Capital LLC | 2.42% | 821.35K | $13.12M |
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Analyst aggregate. Targets and ratings update periodically; not investment advice.
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