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FFIC logoFlushing Financial Corporation(FFIC)Earnings, Financials & Key Ratios

FFIC•NASDAQ•Banking & Credit
$16.17
$548M mkt cap·29.9× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutFlushing 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, demand accounts, NOW accounts, and certificates of deposit. The company also 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. In addition, it offers banking services to public municipalities comprising counties, cities, towns, villages, school districts, libraries, fire districts, and various courts. As of December 31, 2021, the company operated 24 full-service offices located in the New York City boroughs of Queens, Brooklyn, and Manhattan; and in Nassau and Suffolk County, New York, as well as an Internet branch. Flushing Financial Corporation was founded in 1929 and is based in Uniondale, New York.Show more
  • Net Interest Income$217M+19.5%
  • Total Revenue$453M+11.1%
  • Net Income$19M+160.3%
  • Return on Equity2.64%+158.7%
  • Net Interest Margin2.5%+24.3%
  • Efficiency Ratio34.25%-14.5%
  • ROA0.21%+159.7%
  • Equity / Assets8.14%+1.6%
  • Book Value per Share20.53-15.2%
  • Tangible BV/Share20.50-13.0%
  • Debt/Equity0.84-37.0%
Technical→

FFIC Key Insights

Flushing Financial Corporation (FFIC) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong Piotroski F-Score: 8/9
  • ✓Efficient operations: 34.2% efficiency ratio
  • ✓Healthy dividend yield of 5.4%
  • ✓Trading at only 0.8x book value

✗Weaknesses

  • ✗Weak 3Y average ROE of 0.8%
  • ✗Profits declining 11.4% over 5 years
  • ✗Dividend payout exceeds 100% of earnings
  • ✗Shares diluted 15.2% in last year

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

FFIC Price & Volume

Flushing Financial Corporation (FFIC) stock price & volume — 10-year historical chart

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FFIC Growth Metrics

Flushing Financial Corporation (FFIC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years7.83%
5 Years10.48%
3 Years11.54%
TTM-

Profit CAGR

10 Years-8.56%
5 Years-11.45%
3 Years-37.4%
TTM160.26%

EPS CAGR

10 Years-10.24%
5 Years-14.47%
3 Years-40%
TTM153.47%

Return on Capital

10 Years3.04%
5 Years2.44%
3 Years0.05%
Last Year0.66%

FFIC Recent Earnings

Flushing Financial Corporation (FFIC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 5/12 qtrs (50%)●Beat Revenue 5/12 qtrs (50%)
Q2 2026Latest
Apr 28, 2026
EPS
$0.29
Est $0.32
-9.4%
Revenue
$60M
Est $61M
-1.5%
Q2 2026
Mar 6, 2026
EPS
$0.12
Revenue
$119M
Q1 2026
Jan 27, 2026
EPS
$0.32
Est $0.35
-8.6%
Revenue
$61M
Est $62M
-2.8%
Q4 2025
Oct 29, 2025
EPS
$0.35
Est $0.31
+12.9%
Revenue
$59M
Est $61M
-3.4%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 28, 2026
$0.29vs $0.32-9.4%
$60Mvs $61M-1.5%
Q2 2026Mar 6, 2026
$0.12
$119M
Q1 2026Jan 27, 2026
$0.32vs $0.35-8.6%
$61Mvs $62M-2.8%
Q4 2025Oct 29, 2025
$0.35vs $0.31+12.9%
$59Mvs $61M-3.4%
Based on last 12 quarters of dataView full earnings history →

FFIC Peer Comparison

Flushing Financial Corporation (FFIC) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
DCOM logoDCOMDime Community Bancshares, Inc.Direct Competitor1.64B37.1915.6913.03%7.67%0.25
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.36B45.2013.5710.36%9.51%0.17
TRST logoTRSTTrustCo Bank Corp NYDirect Competitor861.09M48.6214.965.77%8.86%0.28
CZWI logoCZWICitizens Community Bancorp, Inc.Direct Competitor202.59M21.0414.41-9.41%7.81%0.28
KRNY logoKRNYKearny Financial Corp.Direct Competitor510.29M8.1219.325.09%4.31%1.68
NFBK logoNFBKNorthfield Bancorp, Inc.Direct Competitor587.44M14.0519.5113.88%5.48%1.08
SI logoSISHOULDER INNOVATIONS, INC.Product Competitor265.34M12.89-16.7464.07%
CTBI logoCTBICommunity Trust Bancorp, Inc.Product Competitor1.2B66.2714.3815.23%11.22%0.42

Compare FFIC vs Peers

Flushing Financial Corporation (FFIC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs DCOM

Most directly comparable listed peer for FFIC.

Scale Benchmark

vs ICE

Larger-name benchmark to compare FFIC against a more recognizable public peer.

Peer Set

Compare Top 5

vs DCOM, NBTB, TRST, CZWI

FFIC Income Statement

Flushing Financial Corporation (FFIC) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income172.82M167.34M161.87M195.16M247.94M243.56M179.03M181.88M217.4M
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 Income234.3M256.93M278.88M264.28M288.53M316.57M401.35M465.23M468.09M
Interest Expense61.48M89.59M117.02M69.13M40.59M73.01M222.32M283.35M250.7M
Loan Loss Provision9.86M575K2.81M23.13M-4.94M5.08M10.52M9.57M12.79M
Non-Interest Income10.7M10.43M9.54M11.05M3.72M10.07M22.71M-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 Expense107.52M111.71M115.27M137.9M147.32M143.69M151.39M163.44M155.21M
Efficiency Ratio43.89%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 Tax25.01M10.39M12.05M10.51M27.48M27.91M11.17M-16.93M15.64M
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)41.12M55.09M41.28M34.67M81.79M76.94M28.66M-31.33M18.88M
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)1.411.921.441.182.592.500.96-1.050.54
Diluted Shares Outstanding29.08M28.71M28.71M29.3M31.55M30.82M29.93M29.95M34.49M

FFIC Balance Sheet

Flushing Financial Corporation (FFIC) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments789.9M941.22M822.29M805.36M858.96M648.53M803.52M1.56B126.08M
Cash & Due from Banks51.55M118.56M49.79M157.39M81.72M85.41M124.21M109.41M126.08M
Short Term Investments738.35M822.65M772.5M647.97M777.24M563.12M679.31M1.45B0
Total Investments5.93B6.39B6.58B7.37B7.44B7.53B7.61B8.27B8.07B
Investments Growth %3.73%7.75%3.08%11.9%0.96%1.22%1.17%8.62%-2.43%
Long-Term Investments5.19B5.56B5.81B6.72B6.66B6.96B6.94B6.82B8.07B
Accounts Receivables21.41M25.48M25.72M44.04M38.7M45.05M59.02M62.04M59.44M
Goodwill & Intangibles16.13M16.13M16.13M20.81M20.2M19.65M19.17M18.76M773K
Goodwill16.13M16.13M16.13M17.64M17.64M17.64M17.64M17.64M0
Intangible Assets0003.17M2.56M2.02M1.54M1.12M773K
PP&E (Net)30.84M30.42M69.93M78.92M73.54M65.04M60.83M63.65M70.85M
Other Assets253.47M258.37M274.37M309.91M395.68M681.19M659.58M514.34M-8.07B
Total Current Assets811.3M966.7M848.01M849.4M897.66M693.58M862.54M1.62B185.51M
Total Non-Current Assets5.49B5.87B6.17B7.13B7.15B7.73B7.67B7.42B71.63M
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 Payable000000000
Total Debt1.31B1.25B1.29B1.08B869.7M1.1B882.1M962.5M592.34M
Net Debt1.26B1.13B1.24B922.61M787.98M1.01B757.89M853.09M466.26M
Long-Term Debt1.31B1.25B1.24B1.02B815.54M1.05B841.28M916.05M538.5M
Short-Term Debt000000000
Other Liabilities73.73M73.08M85.08M141.05M111.14M161.35M170.03M173M4.22B
Total Current Liabilities4.38B4.96B5.07B6.14B6.39B6.49B6.82B7.18B53.84M
Total Non-Current Liabilities1.38B1.32B1.37B1.22B980.84M1.26B1.05B1.14B4.82B
Total Liabilities5.77B6.28B6.44B7.36B7.37B7.75B7.87B8.31B7.99B
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 Share18.3119.1420.1921.1321.5421.9722.3824.1920.53
Tangible BV per Share17.7618.5819.6320.4220.9021.3321.7423.5720.50
Common Stock315K315K315K341K341K341K341K387K387K
Additional Paid-in Capital217.91M222.72M226.69M261.53M263.38M264.33M264.53M326.67M326.61M
Retained Earnings381.05M414.33M433.96M442.79M497.89M547.51M549.68M492M480.38M
Accumulated OCI-8.99M-12.75M-9.81M-16.27M-6.68M-36.49M-38.65M7.13M-453K
Treasury Stock-57.67M-75.15M-71.49M-69.4M-75.29M-98.53M-106.07M-101.66M-98.95M
Preferred Stock000000000

FFIC Cash Flow Statement

Flushing Financial Corporation (FFIC) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations83.53M77.3M63.77M71.28M88.6M85.75M34.59M12.41M61.02M
Operating CF Growth %97.02%-7.45%-17.51%11.77%24.3%-3.21%-59.67%-64.11%391.62%
Net Income41.12M55.09M41.28M34.67M81.79M76.94M28.66M-31.33M18.88M
Depreciation & Amortization4.83M5.79M5.93M6.32M7.04M6.47M6.45M6.14M0
Deferred Taxes8.73M-2.66M-3.9M-4.64M-1.73M144K3.72M-15.86M0
Other Non-Cash Items11.58M4.27M8.25M24.71M-4.13M-1.23M-2.1M80.58M40.68M
Working Capital Changes11.27M7.8M4.44M3.76M-1.2M-3.38M-7.75M-29.58M1.46M
Cash from Investing-254.11M-478M-194.77M93.1M-106.78M-351.82M-94.26M-505.6M246.53M
Purchase of Investments-170.97M-307.71M-176.21M-217.41M-538.35M-241.41M-187.44M-1.3B0
Sale/Maturity of Investments286.9M203.95M213.32M505.29M395.31M170.52M58.29M727.74M82.85M
Net Investment Activity115.93M-103.76M37.1M287.88M-143.04M-70.89M-129.16M-574.87M82.85M
Acquisitions00031.5M00000
Other Investing-360.61M-368.82M-227.66M-223.78M39.93M-276.58M40.38M71.58M163.69M
Cash from Financing186.28M467.71M62.23M-56.77M-57.48M336.09M80.08M473.61M-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 Issued000000065.54M0
Net Stock Activity-9.29M-22.59M-2.66M-3.88M-11.37M-29.68M-13.16M63.83M-721K
Debt Issuance (Net)1000K-1000K-1000K-1000K-1000K1000K-1000K1000K-1000K
Other Financing177.06M577.06M105.38M208.54M199.21M149.88M329.2M362.69M131.96M
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 Effect000000000
Cash at Beginning35.86M51.55M118.56M49.79M157.39M81.72M151.75M172.16M152.57M
Cash at End51.55M118.56M49.79M157.39M81.72M151.75M172.16M152.57M126.08M
Interest Paid59.87M85.11M115.62M71.38M40.56M63.68M214.61M278.7M254.04M
Income Taxes Paid23.9M6.62M15.37M17.92M28.23M32.41M6.27M8.58M1.33M
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%

FFIC Banking Ratios

Flushing Financial Corporation (FFIC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
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 Margin2.75%2.74%2.45%2.31%2.45%3.08%2.89%2.1%2.01%2.5%
Efficiency Ratio30.01%43.89%41.78%39.96%50.08%50.41%43.99%35.7%40.05%34.25%
Equity / Assets8.48%8.46%8.04%8.26%7.76%8.45%8.04%7.85%8.02%8.14%
Book Value / Share17.7418.3119.1420.1921.1321.5421.9722.3824.1920.53
NII Growth8.22%3.73%-3.17%-3.27%20.57%27.05%-1.77%-26.49%1.59%19.53%
Dividend Payout30.33%50.96%41.62%58.5%71.56%32.43%35.13%91.61%-160.43%

FFIC SEC Filings & Documents

Flushing Financial Corporation (FFIC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 28, 2026·SEC

Material company update

Apr 27, 2026·SEC

Material company update

Apr 7, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 6, 2026·SEC

FY 2025

Mar 11, 2025·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 5, 2025·SEC

FY 2025

Aug 7, 2025·SEC

FY 2025

May 7, 2025·SEC

FFIC Frequently Asked Questions

Flushing Financial Corporation (FFIC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

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.

Industry Metrics

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.

Explore More FFIC

Flushing Financial Corporation (FFIC) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

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Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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