FFIC
Flushing Financial Corporation
Banks - Regional
Market Cap$544M
5Y Perf.+41.5%
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Stock Comparison
FFIC vs KRNY
Revenue, margins, valuation, and 5-year total return — side by side.
KRNY
Kearny Financial Corp.
Banks - Regional
Market Cap$508M
5Y Perf.-5.7%
FFIC vs KRNY — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | FFIC | KRNY |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $544M | $508M |
| Revenue (TTM) | $453M | $344M |
| Net Income (TTM) | $19M | $32M |
| Gross Margin | 41.9% | 44.1% |
| Operating Margin | 7.6% | 9.0% |
| Forward P/E | 11.4x | 12.9x |
| Total Debt | $592M | $1.26B |
| Cash & Equiv. | $126M | $167M |
FFIC vs KRNY — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
FFIC
KRNY
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Flushing Financial … (FFIC) | 100 | 141.5 | +41.5% |
| Kearny Financial Co… (KRNY) | 100 | 94.3 | -5.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: FFIC vs KRNY
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: FFIC leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Kearny Financial Corp. is the stronger pick specifically for capital preservation and lower volatility and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
FFIC
Flushing Financial Corporation
The Banking Pick
FFIC carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 1 yrs, beta 1.08, yield 5.5%
- Rev growth 11.1%, EPS growth 151.4%
- 25.2% 10Y total return vs KRNY's -9.0%
Best for: income & stability and growth exposure
KRNY
Kearny Financial Corp.
The Banking Pick
KRNY is the clearest fit if your priority is stability and momentum.
- Beta 0.83 vs FFIC's 1.08
- +37.9% vs FFIC's +36.7%
Best for: stability and momentum
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | FFIC | 11.1% NII/revenue growth vs KRNY's 5.1% |
| Value | FFIC | Lower P/E (11.4x vs 12.9x) |
| Quality / Margins | FFIC | Efficiency ratio 0.3% vs KRNY's 0.4% (lower = leaner) |
| Stability / Safety | KRNY | Beta 0.83 vs FFIC's 1.08 |
| Dividends | FFIC | 5.5% yield, 1-year raise streak, vs KRNY's 5.5% |
| Momentum (1Y) | KRNY | +37.9% vs FFIC's +36.7% |
| Efficiency (ROA) | FFIC | Efficiency ratio 0.3% vs KRNY's 0.4% |
FFIC vs KRNY — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2025
FFIC vs KRNY — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLFFICLAGGINGKRNY
KRNYKearny Financial Corp.
2leads
FFICFlushing Financial Co…
4leads
6 Total Categories
CATEGORYLEADERvs KRNYMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
KRNY3/5
Valuation MetricsMultiples, price ratios, and targets
FFIC4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
FFIC5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
FFIC4/6
Risk & VolatilityBeta, volatility, and downside exposure
KRNY2/2
Analyst OutlookRatings, price targets, and dividends
FFIC2/2
Income & Cash Flow (Last 12 Months)
KRNY leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
FFIC and KRNY operate at a comparable scale, with $453M and $344M in trailing revenue. Profitability is closely matched — net margins range from 7.6% (KRNY) to 4.2% (FFIC).
| Metric | FFICFlushing Financia… | KRNYKearny Financial … |
|---|---|---|
| RevenueTrailing 12 months | $453M | $344M |
| EBITDAEarnings before interest/tax | $40M | $43M |
| Net IncomeAfter-tax profit | $19M | $32M |
| Free Cash FlowCash after capex | $56M | $40M |
| Gross MarginGross profit ÷ Revenue | +41.9% | +44.1% |
| Operating MarginEBIT ÷ Revenue | +7.6% | +9.0% |
| Net MarginNet income ÷ Revenue | +4.2% | +7.6% |
| FCF MarginFCF ÷ Revenue | +12.3% | +6.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +107.5% | +50.0% |
KRNY leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
FFIC leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 19.2x trailing earnings, KRNY trades at a 35% valuation discount to FFIC's 29.7x P/E. On an enterprise value basis, FFIC's 25.3x EV/EBITDA is more attractive than KRNY's 44.5x.
| Metric | FFICFlushing Financia… | KRNYKearny Financial … |
|---|---|---|
| Market CapShares × price | $544M | $508M |
| Enterprise ValueMkt cap + debt − cash | $1.0B | $1.6B |
| Trailing P/EPrice ÷ TTM EPS | 29.72x | 19.24x |
| Forward P/EPrice ÷ next-FY EPS est. | 11.38x | 12.93x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 25.34x | 44.52x |
| Price / SalesMarket cap ÷ Revenue | 1.20x | 1.48x |
| Price / BookPrice ÷ Book value/share | 0.78x | 0.68x |
| Price / FCFMarket cap ÷ FCF | 9.75x | 23.76x |
FFIC leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
FFIC leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
KRNY delivers a 4.3% return on equity — every $100 of shareholder capital generates $4 in annual profit, vs $3 for FFIC. FFIC carries lower financial leverage with a 0.84x debt-to-equity ratio, signaling a more conservative balance sheet compared to KRNY's 1.68x. On the Piotroski fundamental quality scale (0–9), FFIC scores 8/9 vs KRNY's 7/9, reflecting strong financial health.
| Metric | FFICFlushing Financia… | KRNYKearny Financial … |
|---|---|---|
| ROE (TTM)Return on equity | +2.7% | +4.3% |
| ROA (TTM)Return on assets | +0.2% | +0.4% |
| ROICReturn on invested capital | +1.7% | +1.1% |
| ROCEReturn on capital employed | +0.7% | +1.5% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 7 |
| Debt / EquityFinancial leverage | 0.84x | 1.68x |
| Net DebtTotal debt minus cash | $466M | $1.1B |
| Cash & Equiv.Liquid assets | $126M | $167M |
| Total DebtShort + long-term debt | $592M | $1.3B |
| Interest CoverageEBIT ÷ Interest expense | 0.14x | 0.22x |
FFIC leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
FFIC leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in FFIC five years ago would be worth $8,476 today (with dividends reinvested), compared to $7,946 for KRNY. Over the past 12 months, KRNY leads with a +37.9% total return vs FFIC's +36.7%. The 3-year compound annual growth rate (CAGR) favors FFIC at 23.0% vs KRNY's 9.9% — a key indicator of consistent wealth creation.
| Metric | FFICFlushing Financia… | KRNYKearny Financial … |
|---|---|---|
| YTD ReturnYear-to-date | +8.9% | +12.9% |
| 1-Year ReturnPast 12 months | +36.7% | +37.9% |
| 3-Year ReturnCumulative with dividends | +86.3% | +32.6% |
| 5-Year ReturnCumulative with dividends | -15.2% | -20.5% |
| 10-Year ReturnCumulative with dividends | +25.2% | -9.0% |
| CAGR (3Y)Annualised 3-year return | +23.0% | +9.9% |
FFIC leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
KRNY leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
KRNY is the less volatile stock with a 0.83 beta — it tends to amplify market swings less than FFIC's 1.08 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. KRNY currently trades 95.1% from its 52-week high vs FFIC's 90.2% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | FFICFlushing Financia… | KRNYKearny Financial … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.08x | 0.83x |
| 52-Week HighHighest price in past year | $17.79 | $8.50 |
| 52-Week LowLowest price in past year | $11.13 | $5.76 |
| % of 52W HighCurrent price vs 52-week peak | +90.2% | +95.1% |
| RSI (14)Momentum oscillator 0–100 | 54.3 | 55.8 |
| Avg Volume (50D)Average daily shares traded | 205K | 298K |
KRNY leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
FFIC leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates FFIC as "Hold" and KRNY as "Hold". Consensus price targets imply 17.6% upside for KRNY (target: $10) vs 4.4% for FFIC (target: $17). For income investors, FFIC offers the higher dividend yield at 5.47% vs KRNY's 5.45%.
| Metric | FFICFlushing Financia… | KRNYKearny Financial … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $16.75 | $9.50 |
| # AnalystsCovering analysts | 10 | 5 |
| Dividend YieldAnnual dividend ÷ price | +5.5% | +5.5% |
| Dividend StreakConsecutive years of raises | 1 | 0 |
| Dividend / ShareAnnual DPS | $0.88 | $0.44 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.1% | +0.1% |
FFIC leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
FFIC leads in 4 of 6 categories (Valuation Metrics, Profitability & Efficiency). KRNY leads in 2 (Income & Cash Flow, Risk & Volatility).
Best OverallFlushing Financial Corporat… (FFIC)Leads 4 of 6 categories
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FFIC vs KRNY: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is FFIC or KRNY a better buy right now?
For growth investors, Flushing Financial Corporation (FFIC) is the stronger pick with 11.
1% revenue growth year-over-year, versus 5. 1% for Kearny Financial Corp. (KRNY). Kearny Financial Corp. (KRNY) offers the better valuation at 19. 2x trailing P/E (12. 9x forward), making it the more compelling value choice. Analysts rate Flushing Financial Corporation (FFIC) a "Hold" — based on 10 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — FFIC or KRNY?
On trailing P/E, Kearny Financial Corp.
(KRNY) is the cheapest at 19. 2x versus Flushing Financial Corporation at 29. 7x. On forward P/E, Flushing Financial Corporation is actually cheaper at 11. 4x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — FFIC or KRNY?
Over the past 5 years, Flushing Financial Corporation (FFIC) delivered a total return of -15.
2%, compared to -20. 5% for Kearny Financial Corp. (KRNY). Over 10 years, the gap is even starker: FFIC returned +25. 2% versus KRNY's -9. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — FFIC or KRNY?
By beta (market sensitivity over 5 years), Kearny Financial Corp.
(KRNY) is the lower-risk stock at 0. 83β versus Flushing Financial Corporation's 1. 08β — meaning FFIC is approximately 29% more volatile than KRNY relative to the S&P 500. On balance sheet safety, Flushing Financial Corporation (FFIC) carries a lower debt/equity ratio of 84% versus 168% for Kearny Financial Corp. — giving it more financial flexibility in a downturn.
05Which is growing faster — FFIC or KRNY?
By revenue growth (latest reported year), Flushing Financial Corporation (FFIC) is pulling ahead at 11.
1% versus 5. 1% for Kearny Financial Corp. (KRNY). On earnings-per-share growth, the picture is similar: Flushing Financial Corporation grew EPS 151. 4% year-over-year, compared to 130. 2% for Kearny Financial Corp.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — FFIC or KRNY?
Kearny Financial Corp.
(KRNY) is the more profitable company, earning 7. 6% net margin versus 4. 2% for Flushing Financial Corporation — meaning it keeps 7. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: KRNY leads at 9. 0% versus 7. 6% for FFIC. At the gross margin level — before operating expenses — KRNY leads at 44. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is FFIC or KRNY more undervalued right now?
On forward earnings alone, Flushing Financial Corporation (FFIC) trades at 11.
4x forward P/E versus 12. 9x for Kearny Financial Corp. — 1. 5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for KRNY: 17. 6% to $9. 50.
08Which pays a better dividend — FFIC or KRNY?
All stocks in this comparison pay dividends.
Flushing Financial Corporation (FFIC) offers the highest yield at 5. 5%, versus 5. 5% for Kearny Financial Corp. (KRNY).
09Is FFIC or KRNY better for a retirement portfolio?
For long-horizon retirement investors, Kearny Financial Corp.
(KRNY) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 83), 5. 5% yield). Both have compounded well over 10 years (KRNY: -9. 0%, FFIC: +25. 2%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between FFIC and KRNY?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(FFIC: 11.1% · KRNY: 5.1%)Net Margin>
%
(FFIC: 4.2% · KRNY: 7.6%)P/E Ratio<
x
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