A Business at a Glance
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FLUSHING FINANCIAL CORP
FFIC
$527M
Mkt Cap
FLUSHING FINANCIAL CORP (FFIC) has a 5-year average return on invested capital (ROIC) of 4.4%. This is below average and may indicate limited pricing power.
FLUSHING FINANCIAL CORP (FFIC) has a market capitalization of $553M. It is classified as a small-cap stock.
Yes, FLUSHING FINANCIAL CORP (FFIC) pays a dividend with a trailing twelve-month yield of 5.47%.
FLUSHING FINANCIAL CORP (FFIC) operates in the State Commercial Banks industry, within the Financials sector.
FLUSHING FINANCIAL CORP (FFIC) reported annual revenue of $490 million in its most recent fiscal year, based on SEC EDGAR filings.
FLUSHING FINANCIAL CORP (FFIC) has a net profit margin of 3.8%. This is a modest margin.
FLUSHING FINANCIAL CORP (FFIC) generated $56 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
FLUSHING FINANCIAL CORP operates in the State Commercial Banks industry, Financials sector. Full business description from SEC filing not yet available.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 490M | 490M | 408M | 424M | 327M | 292M |
| Net Income | 18M | 18M | -32M | 28M | 77M | 82M |
| EPS | $0.54 | $0.54 | $-1.07 | $0.96 | $2.50 | $2.59 |
| Free Cash Flow | 56M | 56M | 10M | 29M | 81M | 85M |
| ROIC | 1.5% | 2.1% | -2.7% | 2.7% | 10.0% | 10.0% |
| Gross Margin | 50.7% | 50.7% | 37.7% | 45.1% | 76.1% | 84.4% |
| Debt/Equity | 0.68 | 0.68 | 0.86 | 1.26 | 1.55 | 1.20 |
| Dividends/Share | $0.89 | $0.89 | $0.88 | $0.88 | $0.88 | $0.84 |
| Operating Income | 3.2M | 3.2M | 3.3M | 2.9M | 105M | 109M |
| Operating Margin | 0.7% | 0.7% | 0.8% | 0.7% | 32.1% | 37.4% |
| ROE | 2.6% | 2.6% | -4.5% | 4.2% | 11.3% | 12.6% |
| Shares Outstanding | 34M | 34M | 30M | 30M | 31M | 32M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 207M | 220M | 279M | 245M | 267M | 288M | 275M | 292M | 327M | 424M | 408M | 490M | 490M |
| Gross Margin | 73.2% | 76.9% | 80.6% | 70.9% | 66.3% | 58.5% | 66.5% | 84.4% | 76.1% | 45.1% | 37.7% | 50.7% | 50.7% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 49M | 53M | 61M | 62M | 65M | 68M | 74M | 88M | 84M | 86M | 91M | 96M | 96M |
| EBIT | 73M | 73M | 106M | 66M | 65M | 53M | 45M | 109M | 105M | 2.9M | 3.3M | 3.2M | 3.2M |
| Op. Margin | 35.1% | 33.4% | 38.1% | 27.0% | 24.5% | 18.5% | 16.4% | 37.4% | 32.1% | 0.7% | 0.8% | 0.7% | 0.7% |
| Net Income | 44M | 46M | 65M | 41M | 55M | 41M | 35M | 82M | 77M | 28M | -32M | 18M | 18M |
| Net Margin | 21.3% | 21.0% | 23.3% | 16.8% | 20.6% | 14.3% | 12.6% | 28.0% | 23.6% | 6.7% | -7.8% | 3.8% | 3.8% |
| Non-Recurring | 0 | 6.5M | 48M | 0 | 1.1M | 770K | 0 | 621K | 104K | 0 | 0 | 18M | 18M |
| Returns on Capital | |||||||||||||
| ROIC | 6.6% | 6.5% | 8.1% | 5.2% | 8.1% | 5.9% | 4.2% | 10.0% | 10.0% | 2.7% | -2.7% | 2.1% | 1.5% |
| ROE | 10.0% | 9.9% | 13.2% | 7.9% | 10.2% | 7.3% | 5.8% | 12.6% | 11.3% | 4.2% | -4.5% | 2.6% | 2.6% |
| ROA | 0.9% | 0.9% | 1.1% | 0.7% | 0.8% | 0.6% | 0.5% | 1.0% | 0.9% | 0.3% | -0.4% | 0.2% | 0.2% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 57M | 45M | 42M | 84M | 77M | 64M | 71M | 89M | 86M | 35M | 12M | 61M | 61M |
| Free Cash Flow | 53M | 34M | 36M | 74M | 72M | 60M | 69M | 85M | 81M | 29M | 10M | 56M | 56M |
| Owner Earnings | 50M | 36M | 32M | 73M | 64M | 50M | 59M | 75M | 73M | 23M | 4.2M | 53M | 53M |
| CapEx | 4.3M | 11M | 6.7M | 9.4M | 5.4M | 4.2M | 2.5M | 3.7M | 4.3M | 5.5M | 2.3M | 5.2M | 5.2M |
| Maint. CapEx | 2.8M | 3.6M | 4.5M | 4.8M | 5.8M | 5.9M | 6.2M | 6.4M | 5.9M | 6.0M | 5.7M | 5.3M | 5.3M |
| Growth CapEx | 1.5M | 7.5M | 2.2M | 4.6M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 2.8M | 3.6M | 4.5M | 4.8M | 5.8M | 5.9M | 6.2M | 6.4M | 5.9M | 6.0M | 5.7M | 5.3M | 5.3M |
| CapEx/OCF | 7.5% | 24.8% | 15.7% | N/A | 7.0% | 6.6% | 3.5% | 4.2% | 5.1% | 15.9% | 18.6% | N/A | 8.6% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 18M | 19M | 20M | 21M | 23M | 24M | 25M | 27M | 27M | 26M | 26M | 30M | 30M |
| Dividend Yield | 5.0% | 5.0% | 4.8% | N/A | 4.6% | 5.6% | 8.3% | 4.9% | 5.0% | 7.1% | 6.9% | N/A | 5.5% |
| Share Buybacks | 19M | 16M | 9.9M | 9.3M | 23M | 2.7M | 3.9M | 11M | 27M | 11M | 0 | 0 | 0 |
| Buyback Yield | 5.0% | 3.9% | 1.8% | 0.0% | 5.3% | 0.6% | 1.0% | 1.9% | 6.0% | 2.6% | N/A | 0.0% | 0.0% |
| Stock-Based Comp | 4.3M | 4.8M | 5.9M | 6.0M | 7.0M | 7.8M | 6.5M | 6.8M | 6.8M | 5.6M | 2.5M | 3.2M | 3.2M |
| Debt Repayment | 167M | 126M | 562M | 283M | 270M | 257M | 452M | 342M | 56M | 265M | 551M | 435M | 435M |
| Balance Sheet | |||||||||||||
| Net Debt | 906M | 298M | 119M | -118M | -459M | -56M | 432M | -43M | 166M | 669M | 472M | 359M | 359M |
| Cash & Equiv. | 34M | 42M | 36M | 52M | 119M | 50M | 157M | 82M | 152M | 172M | 153M | 126M | 126M |
| Long-Term Debt | 180M | 310M | 300M | 230M | 41M | 225M | 215M | 123M | 64M | 661M | 300M | N/A | 485M |
| Debt/Equity | 2.06 | 0.72 | 0.93 | 1.26 | 0.88 | 1.32 | 2.00 | 1.20 | 1.55 | 1.26 | 0.86 | 0.68 | 0.68 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0 |
| Equity | 456M | 473M | 514M | 533M | 549M | 580M | 619M | 680M | 677M | 670M | 725M | 708M | 708M |
| Total Assets | 5.1B | 5.7B | 6.1B | 6.3B | 6.8B | 7.0B | 8.0B | 8.0B | 8.4B | 8.5B | 9.0B | 8.7B | 8.7B |
| Total Liabilities | 4.6B | 5.2B | 5.5B | 5.8B | 6.3B | 6.4B | 7.4B | 7.4B | 7.7B | 7.9B | 8.3B | 8.0B | 8.0B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | 290M | 317M | 361M | 381M | 414M | 434M | 443M | 498M | 548M | 550M | 492M | 480M | 480M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 1.48 | 1.59 | 2.24 | 1.41 | 1.92 | 1.44 | 1.18 | 2.59 | 2.50 | 0.96 | -1.07 | 0.54 | 0.54 |
| Owner EPS | 1.68 | 1.25 | 1.11 | 2.49 | 2.25 | 1.75 | 1.99 | 2.39 | 2.37 | 0.78 | 0.14 | 1.54 | 1.54 |
| Book Value | 15.26 | 16.28 | 17.73 | 18.26 | 19.15 | 20.22 | 21.07 | 21.52 | 22.00 | 22.70 | 24.44 | 20.80 | 20.80 |
| Cash Flow/Share | 1.92 | 1.54 | 1.46 | 2.86 | 2.69 | 2.22 | 2.43 | 2.81 | 2.79 | 1.17 | 0.42 | 1.79 | 0.70 |
| Dividends/Share | 0.60 | 0.64 | 0.68 | 0.72 | 0.80 | 0.84 | 0.84 | 0.84 | 0.88 | 0.88 | 0.88 | 0.89 | 0.89 |
| Shares Out. | 29.9M | 29.1M | 29.0M | 29.2M | 28.7M | 28.7M | 29.4M | 31.6M | 30.8M | 29.5M | 29.6M | 34.0M | 34.0M |
| Valuation | |||||||||||||
| P/E Ratio | 8.5 | 8.7 | 8.6 | N/A | 7.7 | 10.8 | 10.8 | 7.4 | 6.4 | 15.6 | N/A | N/A | 30.1 |
| P/FCF | 7.1 | 12.0 | 15.7 | N/A | 5.9 | 7.5 | 5.4 | 7.1 | 6.0 | 15.1 | 39.0 | N/A | 9.9 |
| EV/EBIT | N/A | 3.5 | 3.7 | N/A | 3.0 | 2.9 | 3.7 | 4.4 | 3.0 | 170.9 | 133.2 | N/A | 284.8 |
| Price/Book | 0.8 | 0.9 | 1.1 | N/A | 0.8 | 0.8 | 0.6 | 0.9 | 0.7 | 0.7 | 0.5 | N/A | 0.8 |
| Price/Sales | 2.3 | 2.2 | 1.8 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 1.1 |
| FCF Yield | 14.1% | 8.3% | 6.4% | N/A | 17.0% | 13.4% | 18.3% | 14.0% | 16.6% | 6.5% | 2.5% | N/A | 10.1% |
| Market Cap | 375M | 403M | 561M | 0 | 423M | 445M | 375M | 605M | 491M | 446M | 397M | 0 | 553M |
| Avg. Price | 11.98 | 12.72 | 14.28 | 0.00 | 17.47 | 15.18 | 10.15 | 17.31 | 17.66 | 12.54 | 12.78 | 0.00 | 16.26 |
| Year-End Price | 12.55 | 13.87 | 19.34 | 0.00 | 14.76 | 15.53 | 12.75 | 19.16 | 15.94 | 14.93 | 13.30 | 0.00 | 16.26 |
FLUSHING FINANCIAL CORP passes 2 of 9 quality checks, indicating weak fundamentals.
On a free-cash-flow basis, the stock trades at 10.6x vs a median of 7.3x. The company's 5-year average ROIC is 4.4% with a gross margin of 58.8%. Total shareholder yield (dividends) is 5.5%. At current prices, the estimated annualized return to fair value is -14.8%.
FLUSHING FINANCIAL CORP (FFIC) has a debt-to-equity ratio of 0.68. This indicates moderate leverage.
FLUSHING FINANCIAL CORP (FFIC) reported earnings per share (EPS) of $0.54 in its most recent fiscal year.
FLUSHING FINANCIAL CORP (FFIC) has a return on equity (ROE) of 2.6%. This indicates moderate shareholder returns.
FLUSHING FINANCIAL CORP (FFIC) has a 5-year average gross margin of 58.8%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 17 years of financial data for FLUSHING FINANCIAL CORP (FFIC), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
FLUSHING FINANCIAL CORP (FFIC) has a book value per share of $20.80, based on its most recent annual SEC filing.
No recent press releases.