8-K Announcements
6Material company update
Jun 1, 2026·SEC
Material company update
Apr 28, 2026·SEC
Material company update
Apr 27, 2026·SEC
Flushing Financial Corporation(FFIC)Earnings, Financials & Key Ratios
FFIC•NASDAQ•Banking & Credit
$15.47
28.6× P/E·Price updated Jul 2, 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%
FFIC Price & Volume
Flushing Financial Corporation (FFIC) stock price & volume — 10-year historical chart
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Stagnant Margins Challenge Flushing Financial Growth Outlook
Investment Thesis • Updated 2026Q1
VerdictNegative
Growth:Mixed
Profitability:Strained
Financial:Vulnerable
Cash Flow:Mixed
Primary Risk:NYC Real Estate Concentration
Key Thesis Takeaways
- 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-assets ratio of only 8%, leaves little room for error in a volatile credit environment.
- Investors should monitor the sustainability of the 5.7% dividend yield, which has persisted even during periods of negative net income, such as the $9.8 million loss reported in 2025Q1.
Verdict Logic
the bank's persistent 0.6% net interest margin and the necessity of maintaining a $7.6 million quarterly dividend despite historical net losses suggest significant long-term capital sustainability risks.
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%
TTM177.01%
EPS CAGR
10 Years-10.24%
5 Years-14.47%
3 Years-40%
TTM170.42%
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
●Beat EPS 5/12 qtrs (50%)●Beat Revenue 5/12 qtrs (50%)
Q2 2026Latest
Apr 28, 2026Metric
Actual
Est
EPS
$0.29-9.4%
$0.32
Rev
$60M-1.5%
$61M
Q2 2026
Mar 6, 2026Metric
Actual
Est
EPS
$0.12
—
Rev
$119M
—
Q1 2026
Jan 27, 2026Metric
Actual
Est
EPS
$0.32-8.6%
$0.35
Rev
$61M-2.8%
$62M
Q4 2025
Oct 29, 2025Metric
Actual
Est
EPS
$0.35+12.9%
$0.31
Rev
$59M-3.4%
$61M
| 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% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Flushing Financial Corporation (FFIC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $15.47 | $524.18M | 28.65 | 11.06% | 4.17% | 2.64% | 5.68% | |
| $39.64 | $1.75B | 16.73 | 13.03% | 16.65% | 8.46% | — | |
| $49.63 | $2.58B | 14.90 | 10.36% | 19.66% | 9.83% | — | |
| $54.71 | $956.05M | 16.83 | 5.77% | 22.43% | 9.21% | — | |
| $23.29 | $224.61M | 15.95 | -9.41% | 16.49% | 8% | — | |
| $9.31 | $585.91M | 22.17 | 5.09% | 10.39% | 4.75% | — |
Compare FFIC vs Peers
Flushing Financial Corporation (FFIC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FFIC SEC Filings & Documents
Flushing Financial Corporation (FFIC) SEC filings — annual & quarterly reports (10-K, 10-Q)
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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 11.1% over the past year. This is steady 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.