Flushing Financial Corporation (FFIC) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
24.85
↑+25% vs avg
5yr avg: 19.92
30Y Low11.8·High38.2
P/FCF
↑
9.39
↓-45% vs avg
5yr avg: 17.01
30Y Low6.4·High42.3
P/B Ratio
↓
0.75
-8% vs avg
5yr avg: 0.82
30Y Low0.6·High2.3
ROE
↓
2.6%
↑-50% vs avg
5yr avg: 5.3%
30Y Low-4%·High16%
Debt/EBITDA
↑
14.86
+16% vs avg
5yr avg: 12.82
30Y Low3.7·High30.6
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
FFIC Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Flushing Financial Corporation trades at 28.6x earnings, 84% above its 5-year average of 15.6x, sitting at the 97th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 111%. On a free-cash-flow basis, the stock trades at 9.4x P/FCF, 45% below the 5-year average of 17.0x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $524M | $523M | $428M | $493M | $597M | $767M | $488M | $620M | $618M | $800M | $851M |
| Enterprise Value | $990M | $990M | $1.3B | $1.3B | $1.6B | $1.6B | $1.4B | $1.9B | $1.8B | $2.1B | $2.1B |
| P/E Ratio → | 28.65 | 28.09 | — | 17.17 | 7.75 | 9.38 | 14.10 | 15.01 | 11.21 | 19.50 | 13.12 |
| P/S Ratio | 1.16 | 1.15 | 1.05 | 1.16 | 1.83 | 2.62 | 1.77 | 2.15 | 2.31 | 3.26 | 3.73 |
| P/B Ratio | 0.75 | 0.74 | 0.59 | 0.74 | 0.88 | 1.13 | 0.79 | 1.07 | 1.12 | 1.50 | 1.66 |
| P/FCF | 9.39 | 9.38 | 42.34 | 16.95 | 7.34 | 9.03 | 7.09 | 10.42 | 8.60 | 10.79 | 23.82 |
| P/OCF | 8.59 | 8.58 | 34.46 | 14.26 | 6.97 | 8.65 | 6.84 | 9.73 | 8.00 | 9.57 | 20.08 |
P/E links to full P/E history page with 30-year chart
FFIC EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Flushing Financial Corporation's enterprise value stands at 24.8x EBITDA, 25% above its 5-year average of 19.9x. The Financial Services sector median is 11.4x, placing the stock at a 118% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.18 | 3.14 | 2.95 | 4.93 | 5.32 | 5.12 | 6.44 | 6.55 | 8.40 | 9.11 |
| EV / EBITDA | 24.85 | 24.83 | — | 27.03 | 14.47 | 13.37 | 27.38 | 31.34 | 24.56 | 29.00 | 18.85 |
| EV / EBIT | 28.69 | 28.67 | — | 31.41 | 15.36 | 14.23 | 31.21 | 34.82 | 26.73 | 31.12 | 19.64 |
| EV / FCF | — | 17.73 | 126.78 | 43.00 | 19.79 | 18.31 | 20.51 | 31.18 | 24.35 | 27.77 | 58.26 |
FFIC Profitability
Margins and return-on-capital ratios measuring operating efficiency
Flushing Financial Corporation earns an operating margin of 7.6%, below the Financial Services sector average of 20.3%. Operating margins have compressed from 9.4% to 7.6% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 2.6% is modest, trailing the sector median of 9.0%. ROIC of 1.7% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 41.9% | 41.9% | 28.2% | 45.1% | 76.1% | 87.8% | 66.5% | 58.5% | 66.3% | 70.9% | 76.4% |
| Operating Margin | 7.6% | 7.6% | -11.8% | 9.4% | 32.1% | 37.4% | 16.4% | 18.5% | 24.5% | 27.0% | 46.4% |
| Net Profit Margin | 4.2% | 4.2% | -7.7% | 6.8% | 23.6% | 28.0% | 12.6% | 14.3% | 20.6% | 16.8% | 28.4% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 2.6% | 2.6% | -4.5% | 4.3% | 11.3% | 12.6% | 5.8% | 7.3% | 10.2% | 7.9% | 13.2% |
| ROA | 0.2% | 0.2% | -0.4% | 0.3% | 0.9% | 1.0% | 0.5% | 0.6% | 0.8% | 0.7% | 1.1% |
| ROIC | 1.7% | 1.7% | -2.2% | 1.8% | 4.7% | 5.0% | 1.9% | 2.2% | 2.7% | 2.7% | 4.5% |
| ROCE | 0.7% | 0.7% | -2.7% | 2.2% | 5.8% | 6.2% | 2.4% | 2.8% | 3.5% | 3.5% | 6.0% |
FFIC Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Flushing Financial Corporation carries a Debt/EBITDA ratio of 14.9x, which is highly leveraged (249% above the sector average of 4.3x). Net debt stands at $466M ($592M total debt minus $126M cash). Interest coverage of just 0.1x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.84 | 0.84 | 1.33 | 1.32 | 1.62 | 1.28 | 1.74 | 2.22 | 2.28 | 2.46 | 2.46 |
| Debt / EBITDA | 14.86 | 14.86 | — | 19.06 | 9.87 | 7.48 | 20.97 | 21.71 | 17.55 | 18.45 | 11.47 |
| Net Debt / Equity | — | 0.66 | 1.18 | 1.13 | 1.50 | 1.16 | 1.49 | 2.13 | 2.06 | 2.36 | 2.40 |
| Net Debt / EBITDA | 11.70 | 11.70 | — | 16.38 | 9.11 | 6.77 | 17.91 | 20.87 | 15.89 | 17.73 | 11.14 |
| Debt / FCF | — | 8.36 | 84.45 | 26.05 | 12.45 | 9.28 | 13.42 | 20.77 | 15.75 | 16.98 | 34.43 |
| Interest Coverage | 0.14 | 0.14 | -0.17 | 0.18 | 1.44 | 2.69 | 0.65 | 0.46 | 0.73 | 1.08 | 1.97 |
FFIC Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Flushing Financial Corporation's current ratio of 3.45x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.13x to 3.45x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 3.45 | 3.45 | 0.23 | 0.13 | 0.11 | 0.14 | 0.14 | 0.17 | 0.19 | 0.19 | 0.22 |
| Quick Ratio | 3.45 | 3.45 | 0.23 | 0.13 | 0.11 | 0.14 | 0.14 | 0.17 | 0.19 | 0.19 | 0.22 |
| Cash Ratio | 2.34 | 2.34 | 0.02 | 0.02 | 0.01 | 0.01 | 0.03 | 0.01 | 0.02 | 0.01 | 0.01 |
| Asset Turnover | — | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
FFIC Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Flushing Financial Corporation returns 5.8% to shareholders annually — split between a 5.7% dividend yield and 0.1% buyback yield. The payout ratio exceeds 100% at 160.4%, meaning the company is paying out more than it earns — this level is unsustainable long-term without earnings recovery. The earnings yield of 3.5% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 5.7% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 160.4% | 160.4% | — | 91.6% | 35.1% | 32.4% | 71.6% | 58.5% | 41.6% | 51.0% | 30.3% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 3.5% | 3.6% | — | 5.8% | 12.9% | 10.7% | 7.1% | 6.7% | 8.9% | 5.1% | 7.6% |
| FCF Yield | 10.6% | 10.7% | 2.4% | 5.9% | 13.6% | 11.1% | 14.1% | 9.6% | 11.6% | 9.3% | 4.2% |
| Buyback Yield | 0.1% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 5.8% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $34M | $30M | $30M | $31M | $32M | $29M | $29M | $29M | $29M | $29M |
Peer Comparison
Compare FFIC with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 FFICYou | $524M | 28.6 | 24.8 | 9.4 | 41.9% | 7.6% | 2.6% | 1.7% | 14.9 |
 DCOM | $2B | 16.5 | -1.7 | 9.4 | 56.1% | 21.5% | 7.7% | 5.6% | 2.4 |
 NBTB | $2B | 14.0 | 10.7 | 11.1 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 TRST | $925M | 16.1 | 11.9 | 20.2 | 67.1% | 29.2% | 9.0% | 7.2% | 2.1 |
 CZWI | $205M | 14.6 | 15.6 | 19.8 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 KRNY | $533M | 20.2 | 45.2 | 24.9 | 44.1% | 9.0% | 3.5% | 1.1% | 35.0 |
 NFBK | $602M | 727.8 | 63.2 | 11.5 | 35.3% | 9.3% | 0.1% | 0.8% | 39.6 |
 SI | $383M | -35.7 | — | — | 76.5% | -55.6% | -80.5% | -40.7% | — |
 CTBI | $1B | 12.6 | 11.9 | 12.7 | 66.7% | 31.0% | 12.2% | 8.2% | 3.0 |
 OCFC | $1B | 15.4 | 27.2 | 13.0 | 54.5% | 14.1% | 4.2% | 2.2% | 17.5 |
 FNF | $13B | 21.2 | 6.6 | 2.0 | 98.2% | 9.9% | 6.9% | 10.1% | 2.1 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 30 years · Updated daily
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FFIC — Frequently Asked Questions
Quick answers to the most common questions about buying FFIC stock.
What is Flushing Financial Corporation's P/E ratio?
Flushing Financial Corporation's current P/E ratio is 28.6x. The historical average is 16.4x. This places it at the 97th percentile of its historical range.
What is Flushing Financial Corporation's EV/EBITDA?
Flushing Financial Corporation's current EV/EBITDA is 24.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 24.3x.
What is Flushing Financial Corporation's ROE?
Flushing Financial Corporation's return on equity (ROE) is 2.6%. The historical average is 9.0%.
Is FFIC stock overvalued?
Based on historical data, Flushing Financial Corporation is trading at a P/E of 28.6x. This is at the 97th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Flushing Financial Corporation's dividend yield?
Flushing Financial Corporation's current dividend yield is 5.68% with a payout ratio of 160.4%.
What are Flushing Financial Corporation's profit margins?
Flushing Financial Corporation has 41.9% gross margin and 7.6% operating margin.
How much debt does Flushing Financial Corporation have?
Flushing Financial Corporation's Debt/EBITDA ratio is 14.9x, indicating high leverage. A ratio above 4x may signal elevated financial risk.