8-K Announcements
6Apr 28, 2026·SEC
Apr 27, 2026·SEC
Apr 7, 2026·SEC
Flushing Financial Corporation (FFIC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Flushing Financial Corporation (FFIC) stock price & volume — 10-year historical chart
Flushing Financial Corporation (FFIC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Flushing Financial Corporation (FFIC) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $0.29vs $0.32-9.4% | $60Mvs $61M-1.5% |
| Q2 2026 | Mar 6, 2026 | $0.12 | $119M |
| Q1 2026 | Jan 27, 2026 | $0.32vs $0.35-8.6% | $61Mvs $62M-2.8% |
| Q4 2025 | Oct 29, 2025 | $0.35vs $0.31+12.9% | $59Mvs $61M-3.4% |
Flushing Financial Corporation (FFIC) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison
Flushing Financial Corporation (FFIC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Flushing Financial Corporation (FFIC) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 172.82M | 167.34M | 161.87M | 195.16M | 247.94M | 243.56M | 179.03M | 181.88M | 217.4M |
| NII Growth % | 3.73% | -3.17% | -3.27% | 20.57% | 27.05% | -1.77% | -26.49% | 1.59% | 19.53% |
| Net Interest Margin % | 2.74% | 2.45% | 2.31% | 2.45% | 3.08% | 2.89% | 2.1% | 2.01% | 2.5% |
| Interest Income | 234.3M | 256.93M | 278.88M | 264.28M | 288.53M | 316.57M | 401.35M | 465.23M | 468.09M |
| Interest Expense | 61.48M | 89.59M | 117.02M | 69.13M | 40.59M | 73.01M | 222.32M | 283.35M | 250.7M |
| Loan Loss Provision | 9.86M | 575K | 2.81M | 23.13M | -4.94M | 5.08M | 10.52M | 9.57M | 12.79M |
| Non-Interest Income | 10.7M | 10.43M | 9.54M | 11.05M | 3.72M | 10.07M | 22.71M | -57.14M | -14.87M |
| Non-Interest Income % | 4.37% | 3.9% | 3.31% | 4.01% | 1.27% | 3.08% | 5.36% | -14% | -3.28% |
| Total Revenue | 245M▲ 0% | 267.36M▲ 9.1% | 288.43M▲ 7.9% | 275.33M▼ 4.5% | 292.25M▲ 6.1% | 326.63M▲ 11.8% | 424.06M▲ 29.8% | 408.09M▼ 3.8% | 453.22M▲ 11.1% |
| Revenue Growth % | 7.21% | 9.13% | 7.88% | -4.54% | 6.14% | 11.77% | 29.83% | -3.77% | 11.06% |
| Non-Interest Expense | 107.52M | 111.71M | 115.27M | 137.9M | 147.32M | 143.69M | 151.39M | 163.44M | 155.21M |
| Efficiency Ratio | 43.89% | 41.78% | 39.96% | 50.08% | 50.41% | 43.99% | 35.7% | 40.05% | 34.25% |
| Operating Income | 66.13M▲ 0% | 65.48M▼ 1.0% | 53.33M▼ 18.6% | 45.18M▼ 15.3% | 109.28M▲ 141.9% | 104.85M▼ 4.1% | 39.83M▼ 62.0% | -48.27M▼ 221.2% | 34.52M▲ 171.5% |
| Operating Margin % | 26.99% | 24.49% | 18.49% | 16.41% | 37.39% | 32.1% | 9.39% | -11.83% | 7.62% |
| Operating Income Growth % | -37.62% | -0.98% | -18.56% | -15.28% | 141.86% | -4.05% | -62.01% | -221.17% | 171.52% |
| Pretax Income | 66.13M▲ 0% | 65.48M▼ 1.0% | 53.33M▼ 18.6% | 45.18M▼ 15.3% | 109.28M▲ 141.9% | 104.85M▼ 4.1% | 39.83M▼ 62.0% | -48.27M▼ 221.2% | 34.52M▲ 171.5% |
| Pretax Margin % | 26.99% | 24.49% | 18.49% | 16.41% | 37.39% | 32.1% | 9.39% | -11.83% | 7.62% |
| Income Tax | 25.01M | 10.39M | 12.05M | 10.51M | 27.48M | 27.91M | 11.17M | -16.93M | 15.64M |
| Effective Tax Rate % | 37.82% | 15.87% | 22.6% | 23.26% | 25.15% | 26.62% | 28.04% | 35.08% | 45.31% |
| Net Income | 41.12M▲ 0% | 55.09M▲ 34.0% | 41.28M▼ 25.1% | 34.67M▼ 16.0% | 81.79M▲ 135.9% | 76.94M▼ 5.9% | 28.66M▼ 62.7% | -31.33M▼ 209.3% | 18.88M▲ 160.3% |
| Net Margin % | 16.78% | 20.61% | 14.31% | 12.59% | 27.99% | 23.56% | 6.76% | -7.68% | 4.17% |
| Net Income Growth % | -36.66% | 33.97% | -25.07% | -16% | 135.89% | -5.93% | -62.75% | -209.31% | 160.26% |
| Net Income (Continuing) | 41.12M | 55.09M | 41.28M | 34.67M | 81.79M | 76.94M | 28.66M | -31.33M | 18.88M |
| EPS (Diluted) | 1.41▲ 0% | 1.92▲ 36.2% | 1.44▼ 25.0% | 1.18▼ 18.1% | 2.59▲ 119.5% | 2.50▼ 3.5% | 0.96▼ 61.6% | -1.05▼ 209.4% | 0.54▲ 151.4% |
| EPS Growth % | -37.05% | 36.17% | -25% | -18.06% | 119.49% | -3.47% | -61.6% | -209.38% | 151.43% |
| EPS (Basic) | 1.41 | 1.92 | 1.44 | 1.18 | 2.59 | 2.50 | 0.96 | -1.05 | 0.54 |
| Diluted Shares Outstanding | 29.08M | 28.71M | 28.71M | 29.3M | 31.55M | 30.82M | 29.93M | 29.95M | 34.49M |
Flushing Financial Corporation (FFIC) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 789.9M | 941.22M | 822.29M | 805.36M | 858.96M | 648.53M | 803.52M | 1.56B | 126.08M |
| Cash & Due from Banks | 51.55M | 118.56M | 49.79M | 157.39M | 81.72M | 85.41M | 124.21M | 109.41M | 126.08M |
| Short Term Investments | 738.35M | 822.65M | 772.5M | 647.97M | 777.24M | 563.12M | 679.31M | 1.45B | 0 |
| Total Investments | 5.93B | 6.39B | 6.58B | 7.37B | 7.44B | 7.53B | 7.61B | 8.27B | 8.07B |
| Investments Growth % | 3.73% | 7.75% | 3.08% | 11.9% | 0.96% | 1.22% | 1.17% | 8.62% | -2.43% |
| Long-Term Investments | 5.19B | 5.56B | 5.81B | 6.72B | 6.66B | 6.96B | 6.94B | 6.82B | 8.07B |
| Accounts Receivables | 21.41M | 25.48M | 25.72M | 44.04M | 38.7M | 45.05M | 59.02M | 62.04M | 59.44M |
| Goodwill & Intangibles | 16.13M | 16.13M | 16.13M | 20.81M | 20.2M | 19.65M | 19.17M | 18.76M | 773K |
| Goodwill | 16.13M | 16.13M | 16.13M | 17.64M | 17.64M | 17.64M | 17.64M | 17.64M | 0 |
| Intangible Assets | 0 | 0 | 0 | 3.17M | 2.56M | 2.02M | 1.54M | 1.12M | 773K |
| PP&E (Net) | 30.84M | 30.42M | 69.93M | 78.92M | 73.54M | 65.04M | 60.83M | 63.65M | 70.85M |
| Other Assets | 253.47M | 258.37M | 274.37M | 309.91M | 395.68M | 681.19M | 659.58M | 514.34M | -8.07B |
| Total Current Assets | 811.3M | 966.7M | 848.01M | 849.4M | 897.66M | 693.58M | 862.54M | 1.62B | 185.51M |
| Total Non-Current Assets | 5.49B | 5.87B | 6.17B | 7.13B | 7.15B | 7.73B | 7.67B | 7.42B | 71.63M |
| Total Assets | 6.3B▲ 0% | 6.83B▲ 8.5% | 7.02B▲ 2.7% | 7.98B▲ 13.7% | 8.05B▲ 0.9% | 8.42B▲ 4.7% | 8.54B▲ 1.4% | 9.04B▲ 5.9% | 8.69B▼ 3.8% |
| Asset Growth % | 3.97% | 8.49% | 2.69% | 13.66% | 0.87% | 4.69% | 1.36% | 5.88% | -3.82% |
| Return on Assets (ROA) | 0.67% | 0.84% | 0.6% | 0.46% | 1.02% | 0.93% | 0.34% | -0.36% | 0.21% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 1.31B | 1.25B | 1.29B | 1.08B | 869.7M | 1.1B | 882.1M | 962.5M | 592.34M |
| Net Debt | 1.26B | 1.13B | 1.24B | 922.61M | 787.98M | 1.01B | 757.89M | 853.09M | 466.26M |
| Long-Term Debt | 1.31B | 1.25B | 1.24B | 1.02B | 815.54M | 1.05B | 841.28M | 916.05M | 538.5M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 73.73M | 73.08M | 85.08M | 141.05M | 111.14M | 161.35M | 170.03M | 173M | 4.22B |
| Total Current Liabilities | 4.38B | 4.96B | 5.07B | 6.14B | 6.39B | 6.49B | 6.82B | 7.18B | 53.84M |
| Total Non-Current Liabilities | 1.38B | 1.32B | 1.37B | 1.22B | 980.84M | 1.26B | 1.05B | 1.14B | 4.82B |
| Total Liabilities | 5.77B | 6.28B | 6.44B | 7.36B | 7.37B | 7.75B | 7.87B | 8.31B | 7.99B |
| Total Equity | 532.61M▲ 0% | 549.46M▲ 3.2% | 579.67M▲ 5.5% | 619M▲ 6.8% | 679.63M▲ 9.8% | 677.16M▼ 0.4% | 669.84M▼ 1.1% | 724.54M▲ 8.2% | 707.98M▼ 2.3% |
| Equity Growth % | 3.65% | 3.16% | 5.5% | 6.78% | 9.79% | -0.36% | -1.08% | 8.17% | -2.29% |
| Equity / Assets (Capital Ratio) | 8.46% | 8.04% | 8.26% | 7.76% | 8.45% | 8.04% | 7.85% | 8.02% | 8.14% |
| Return on Equity (ROE) | 7.86% | 10.18% | 7.31% | 5.79% | 12.6% | 11.34% | 4.26% | -4.49% | 2.64% |
| Book Value per Share | 18.31 | 19.14 | 20.19 | 21.13 | 21.54 | 21.97 | 22.38 | 24.19 | 20.53 |
| Tangible BV per Share | 17.76 | 18.58 | 19.63 | 20.42 | 20.90 | 21.33 | 21.74 | 23.57 | 20.50 |
| Common Stock | 315K | 315K | 315K | 341K | 341K | 341K | 341K | 387K | 387K |
| Additional Paid-in Capital | 217.91M | 222.72M | 226.69M | 261.53M | 263.38M | 264.33M | 264.53M | 326.67M | 326.61M |
| Retained Earnings | 381.05M | 414.33M | 433.96M | 442.79M | 497.89M | 547.51M | 549.68M | 492M | 480.38M |
| Accumulated OCI | -8.99M | -12.75M | -9.81M | -16.27M | -6.68M | -36.49M | -38.65M | 7.13M | -453K |
| Treasury Stock | -57.67M | -75.15M | -71.49M | -69.4M | -75.29M | -98.53M | -106.07M | -101.66M | -98.95M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Flushing Financial Corporation (FFIC) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 83.53M | 77.3M | 63.77M | 71.28M | 88.6M | 85.75M | 34.59M | 12.41M | 61.02M |
| Operating CF Growth % | 97.02% | -7.45% | -17.51% | 11.77% | 24.3% | -3.21% | -59.67% | -64.11% | 391.62% |
| Net Income | 41.12M | 55.09M | 41.28M | 34.67M | 81.79M | 76.94M | 28.66M | -31.33M | 18.88M |
| Depreciation & Amortization | 4.83M | 5.79M | 5.93M | 6.32M | 7.04M | 6.47M | 6.45M | 6.14M | 0 |
| Deferred Taxes | 8.73M | -2.66M | -3.9M | -4.64M | -1.73M | 144K | 3.72M | -15.86M | 0 |
| Other Non-Cash Items | 11.58M | 4.27M | 8.25M | 24.71M | -4.13M | -1.23M | -2.1M | 80.58M | 40.68M |
| Working Capital Changes | 11.27M | 7.8M | 4.44M | 3.76M | -1.2M | -3.38M | -7.75M | -29.58M | 1.46M |
| Cash from Investing | -254.11M | -478M | -194.77M | 93.1M | -106.78M | -351.82M | -94.26M | -505.6M | 246.53M |
| Purchase of Investments | -170.97M | -307.71M | -176.21M | -217.41M | -538.35M | -241.41M | -187.44M | -1.3B | 0 |
| Sale/Maturity of Investments | 286.9M | 203.95M | 213.32M | 505.29M | 395.31M | 170.52M | 58.29M | 727.74M | 82.85M |
| Net Investment Activity | 115.93M | -103.76M | 37.1M | 287.88M | -143.04M | -70.89M | -129.16M | -574.87M | 82.85M |
| Acquisitions | 0 | 0 | 0 | 31.5M | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -360.61M | -368.82M | -227.66M | -223.78M | 39.93M | -276.58M | 40.38M | 71.58M | 163.69M |
| Cash from Financing | 186.28M | 467.71M | 62.23M | -56.77M | -57.48M | 336.09M | 80.08M | 473.61M | -334.05M |
| Dividends Paid | -20.95M | -22.93M | -24.15M | -24.81M | -26.52M | -27.03M | -26.26M | -26.04M | -30.29M |
| Share Repurchases | -9.29M | -22.59M | -2.66M | -3.88M | -11.37M | -29.68M | -13.16M | -1.71M | -721K |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 65.54M | 0 |
| Net Stock Activity | -9.29M | -22.59M | -2.66M | -3.88M | -11.37M | -29.68M | -13.16M | 63.83M | -721K |
| Debt Issuance (Net) | 1000K | -1000K | -1000K | -1000K | -1000K | 1000K | -1000K | 1000K | -1000K |
| Other Financing | 177.06M | 577.06M | 105.38M | 208.54M | 199.21M | 149.88M | 329.2M | 362.69M | 131.96M |
| Net Change in Cash | 15.69M▲ 0% | 67.02M▲ 327.1% | -68.77M▼ 202.6% | 107.6M▲ 256.5% | -75.67M▼ 170.3% | 70.03M▲ 192.6% | 20.4M▼ 70.9% | -19.58M▼ 196.0% | -26.5M▼ 35.3% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 35.86M | 51.55M | 118.56M | 49.79M | 157.39M | 81.72M | 151.75M | 172.16M | 152.57M |
| Cash at End | 51.55M | 118.56M | 49.79M | 157.39M | 81.72M | 151.75M | 172.16M | 152.57M | 126.08M |
| Interest Paid | 59.87M | 85.11M | 115.62M | 71.38M | 40.56M | 63.68M | 214.61M | 278.7M | 254.04M |
| Income Taxes Paid | 23.9M | 6.62M | 15.37M | 17.92M | 28.23M | 32.41M | 6.27M | 8.58M | 1.33M |
| Free Cash Flow | 74.09M▲ 0% | 71.89M▼ 3.0% | 59.56M▼ 17.2% | 68.77M▲ 15.5% | 84.92M▲ 23.5% | 81.41M▼ 4.1% | 29.1M▼ 64.3% | 10.1M▼ 65.3% | 55.8M▲ 452.4% |
| FCF Growth % | 107.31% | -2.97% | -17.16% | 15.46% | 23.49% | -4.13% | -64.26% | -65.28% | 452.36% |
Flushing Financial Corporation (FFIC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 13.16% | 7.86% | 10.18% | 7.31% | 5.79% | 12.6% | 11.34% | 4.26% | -4.49% | 2.64% |
| Return on Assets (ROA) | 1.1% | 0.67% | 0.84% | 0.6% | 0.46% | 1.02% | 0.93% | 0.34% | -0.36% | 0.21% |
| Net Interest Margin | 2.75% | 2.74% | 2.45% | 2.31% | 2.45% | 3.08% | 2.89% | 2.1% | 2.01% | 2.5% |
| Efficiency Ratio | 30.01% | 43.89% | 41.78% | 39.96% | 50.08% | 50.41% | 43.99% | 35.7% | 40.05% | 34.25% |
| Equity / Assets | 8.48% | 8.46% | 8.04% | 8.26% | 7.76% | 8.45% | 8.04% | 7.85% | 8.02% | 8.14% |
| Book Value / Share | 17.74 | 18.31 | 19.14 | 20.19 | 21.13 | 21.54 | 21.97 | 22.38 | 24.19 | 20.53 |
| NII Growth | 8.22% | 3.73% | -3.17% | -3.27% | 20.57% | 27.05% | -1.77% | -26.49% | 1.59% | 19.53% |
| Dividend Payout | 30.33% | 50.96% | 41.62% | 58.5% | 71.56% | 32.43% | 35.13% | 91.61% | - | 160.43% |
Flushing Financial Corporation (FFIC) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 28, 2026·SEC
Apr 27, 2026·SEC
Apr 7, 2026·SEC
Flushing Financial Corporation (FFIC) stock FAQ — growth, dividends, profitability & financials explained
Flushing Financial Corporation (FFIC) grew revenue by 11.1% over the past year. This is steady growth.
Yes, Flushing Financial Corporation (FFIC) is profitable, generating $18.9M in net income for fiscal year 2025 (4.2% net margin).
Yes, Flushing Financial Corporation (FFIC) pays a dividend with a yield of 5.43%. This makes it attractive for income-focused investors.
Flushing Financial Corporation (FFIC) has a return on equity (ROE) of 2.6%. This is below average, suggesting room for improvement.
Flushing Financial Corporation (FFIC) has a net interest margin (NIM) of 2.5%. NIM has been under pressure due to interest rate environment.
Flushing Financial Corporation (FFIC) has an efficiency ratio of 34.2%. This is excellent, indicating strong cost control.
Flushing Financial Corporation (FFIC) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates