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FFICFlushing Financial Corporation
$15.47$524M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
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P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
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FFIC logo

Flushing Financial Corporation

FFIC
NASDAQ · Regional Banks
$15.47
At close - Aug 2, 4:00 PM EDT - USD
Market Cap$524M
P/E28.6x
52W High$17.79
Volume718.5K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q1

Stagnant Margins Challenge Flushing Financial Growth Outlook

Flushing Financial faces significant headwinds as its net interest margin remains locked at 0.6% for ten consecutive quarters, limiting profitability despite recent revenue growth. The bank's heavy concentration in NYC real estate, coupled with an equity-to-as...

GrowthMixed
ProfitabilityStrained
ValuationAttractive
TechnicalsMixed
Explore valuation models
MARKET ACTION

FFIC price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

5/12 Beats

EPS beat 5 of last 12 quarters

02

Valuation risk

+67% Peers

P/E is 67% above peer median

03

Market leadership

RS 46 · Lag

Laggard (Underperforming 54% of market)

04

Mixed Trend

Mixed

Price < 50DMA but > 200DMA

Next CatalystEstimated earnings · Jul 28

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
FFIC+5.09%
S&P 500 (^GSPC)+13.20%
1-Year Return
FFIC+14.56%
S&P 500 (^GSPC)+15.98%
3-Year Return
FFIC+42.89%
S&P 500 (^GSPC)+82.06%
5-Year Return
FFIC-8.86%
S&P 500 (^GSPC)+72.73%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
28.6x
Forward P/EExpansion
11.0x
EV/EBITDA75th %ile
24.8x
FCF YieldCash Flow
10.6%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
28.6x
17.2x
100th· High
EV/EBITDA
24.8x
24.8x
75th· Fair
Price/FCF
9.4x
9.4x
60th· Fair
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue
$203M+62.4% YoY
Net income
$19M+160.3% YoY
Free cash flow
$56M+452.4% YoY
Operating margin
7.6%+19.4 pts YoY
ROIC (TTM)1.7%
Avg ROIC 5Y-
ROE (TTM)2.6%
Piotroski Score8 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate5/12 (50%)
Revenue Beat Rate5/12 (50%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026Latest
Apr 28, 2026
$0.29-9.4%
vs $0.32
$60M-1.5%
vs $61M
Q2 2026
Mar 6, 2026
$0.12
vs —
$119M
vs —
Q1 2026
Jan 27, 2026
$0.32-8.6%
vs $0.35
$61M-2.8%
vs $62M
Q4 2025
Oct 29, 2025
$0.35+12.9%
vs $0.31
$59M-3.4%
vs $61M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
04

Compare before deciding

Benchmark FFIC against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Flushing Financial Corporation (FFIC)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
FFIC logoFFICFlushing Financial CorporationCurrent
$15.47$524.18M28.6562.35%4.17%2.64%5.68%
DCOM logoDCOMDime Community Bancshares, Inc.
$40.54$1.79B17.1144.2%26.34%8.67%—
NBTB logoNBTBNBT Bancorp Inc.
$50.85$2.64B15.2714.54%22.65%11.26%—
TRST logoTRSTTrustCo Bank Corp NY
$55.96$952.89M17.229.38%26.95%9.62%—
CZWI logoCZWICitizens Community Bancorp, Inc.
$21.63$208.6M14.82-9.39%14.64%6.77%—
KRNY logoKRNYKearny Financial Corp.
$9.55$601.01M22.749.53%20.36%4.77%—

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

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

FFIC SEC Filings & Documents

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

8-K Announcements

6
Material company update

Jun 1, 2026·SEC

Material company update

Apr 28, 2026·SEC

Material company update

Apr 27, 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 2026

May 11, 2026·SEC

FY 2025

Nov 5, 2025·SEC

FY 2025

Aug 7, 2025·SEC

Get notified when FFIC posts new earnings or crosses analyst targets

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FFIC Frequently Asked Questions

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

Growth & Financials
How fast is Flushing Financial Corporation growing?

Flushing Financial Corporation (FFIC) grew revenue by 62.4% over the past year. This is strong growth.

Is FFIC profitable?

Yes, Flushing Financial Corporation (FFIC) is profitable, generating $34.5M in net income for fiscal year 2025 (4.2% net margin).

Dividend & Returns
Does FFIC pay dividends?

Yes, Flushing Financial Corporation (FFIC) pays a dividend with a yield of 5.68%. This makes it attractive for income-focused investors.

What is FFIC's return on equity?

Flushing Financial Corporation (FFIC) has a return on equity (ROE) of 2.6%. This is below average, suggesting room for improvement.

Industry Metrics
What is Flushing Financial Corporation's net interest margin?

Flushing Financial Corporation (FFIC) has a net interest margin (NIM) of 2.5%. NIM has been under pressure due to interest rate environment.

What is Flushing Financial Corporation's efficiency ratio?

Flushing Financial Corporation (FFIC) has an efficiency ratio of 34.2%. This is excellent, indicating strong cost control.

What if you invested $1,000 in FFIC back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →