Flushing Financial Stock Analysis

FFIC Stock  USD 16.89  0.28  1.69%   
Below is the normalized historical share price chart for Flushing Financial extending back to November 21, 1995. This chart has been adjusted for all splits and dividends and is plotted against all major global economic recessions. As of today, the current price of Flushing Financial stands at 16.89, as last reported on the 5th of February, with the highest price reaching 17.11 and the lowest price hitting 16.71 during the day.
IPO Date
21st of November 1995
200 Day MA
13.7806
50 Day MA
16.1512
Beta
0.828
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
Flushing Financial holds a debt-to-equity ratio of 0.1. The current year's Long Term Debt To Capitalization is expected to grow to 0.73, whereas Short and Long Term Debt Total is forecasted to decline to about 51.1 M. With a high degree of financial leverage come high-interest payments, which usually reduce Flushing Financial's Earnings Per Share (EPS).

Asset vs Debt

Equity vs Debt

Flushing Financial's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. Flushing Financial's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps Flushing Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect Flushing Financial's stakeholders.
For many companies, including Flushing Financial, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for Flushing Financial, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, Flushing Financial's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Price Book
0.7925
Price Sales
2.5228
Shares Float
32.2 M
Dividend Share
0.88
Wall Street Target Price
17.15
At present, Flushing Financial's Issuance Of Capital Stock is projected to increase significantly based on the last few years of reporting. . At present, Flushing Financial's Price Book Value Ratio is projected to slightly decrease based on the last few years of reporting. The current year's Price To Operating Cash Flows Ratio is expected to grow to 32.56, whereas Price Earnings Ratio is forecasted to decline to 14.73.
Flushing Financial is undervalued with Real Value of 19.42 and Target Price of 17.15. The main objective of Flushing Financial stock analysis is to determine its intrinsic value, which is an estimate of what Flushing Financial is worth, separate from its market price. There are two main types of Flushing Financial's stock analysis: fundamental analysis and technical analysis.
The Flushing Financial stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and Flushing Financial's ongoing operational relationships across important fundamental and technical indicators.
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in Flushing Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in gross domestic product.
For information on how to trade Flushing Stock refer to our How to Trade Flushing Stock guide.

Flushing Stock Analysis Notes

About 73.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 0.79. Some equities with similar Price to Book (P/B) outperform the market in the long run. Flushing Financial has Price/Earnings To Growth (PEG) ratio of 1.34. The entity last dividend was issued on the 5th of December 2025. The firm had 3:2 split on the 16th of December 2003. Flushing Financial Corporation operates as the bank holding company for Flushing Bank that provides banking products and services primarily to consumers, businesses, and governmental units. Flushing Financial Corporation was founded in 1929 and is based in Uniondale, New York. Flushing Finl operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 523 people. To learn more about Flushing Financial call John Buran at 718 961 5400 or check out https://www.flushingbank.com.

Flushing Financial Quarterly Total Revenue

118.9 Million

Flushing Financial Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. Flushing Financial's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding Flushing Financial or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
The company reported the previous year's revenue of 453.22 M. Net Loss for the year was (31.33 M) with profit before overhead, payroll, taxes, and interest of 226.14 M.
About 73.0% of the company shares are owned by institutional investors
On 19th of December 2025 Flushing Financial paid $ 0.22 per share dividend to its current shareholders
Latest headline from finance.yahoo.com: Winners And Losers Of Q4 OceanFirst Financial Vs The Rest Of The Regional Banks Stocks

Flushing Largest EPS Surprises

Earnings surprises can significantly impact Flushing Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
1998-01-30
1997-12-310.080.090.0112 
1997-10-27
1997-09-300.080.090.0112 
1997-04-24
1997-03-310.060.070.0116 
View All Earnings Estimates

Flushing Financial Environmental, Social, and Governance (ESG) Scores

Flushing Financial's ESG score is a quantitative measure that evaluates Flushing Financial's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Flushing Financial's operations that may have significant financial implications and affect Flushing Financial's stock price as well as guide investors towards more socially responsible investments.

Flushing Stock Institutional Investors

Shares
Amvescap Plc.2025-06-30
597.5 K
Two Sigma Advisers, Llc2025-06-30
508.8 K
Ubs Group Ag2025-06-30
486 K
Dana Investment Advisors Inc2025-06-30
409 K
Gabelli Funds Llc2025-06-30
403.9 K
American Century Companies Inc2025-06-30
396.8 K
Two Sigma Investments Llc2025-06-30
390 K
Renaissance Technologies Corp2025-06-30
388.1 K
Aqr Capital Management Llc2025-06-30
365.8 K
Blackrock Inc2025-06-30
M
Vanguard Group Inc2025-06-30
M
Note, although Flushing Financial's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Flushing Market Capitalization

The company currently falls under 'Small-Cap' category with a current market capitalization of 570.52 M.

Flushing Profitablity

The company has Profit Margin (PM) of 0.08 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.16 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.16.
Last ReportedProjected for Next Year
Return On Equity 0.03  0.03 

Management Efficiency

As of February 5, 2026, Return On Tangible Assets is expected to decline to 0. In addition to that, Return On Capital Employed is expected to decline to 0. At present, Flushing Financial's Fixed Asset Turnover is projected to slightly decrease based on the last few years of reporting. The current year's Asset Turnover is expected to grow to 0.06, whereas Total Assets are forecasted to decline to about 4.9 B. Flushing Financial's management efficiency ratios could be used to measure how well Flushing Financial manages its routine affairs as well as how well it operates its assets and liabilities.
Last ReportedProjected for Next Year
Book Value Per Share 20.53  11.18 
Tangible Book Value Per Share 20.50  10.79 
Enterprise Value Over EBITDA 11.32  10.75 
Price Book Value Ratio 0.74  1.34 
Enterprise Value Multiple 11.32  10.75 
Price Fair Value 0.74  1.34 
Enterprise Value145.6 M129.4 M
The operational strategies employed by Flushing Financial management play a crucial role in its market positioning. Assessing these strategies alongside financial data helps us evaluate the stock's investment potential.
Dividend Yield
0.053
Operating Margin
0.1622
Profit Margin
0.0835
Forward Dividend Yield
0.053
Beta
0.828

Technical Drivers

As of the 5th of February, Flushing Financial shows the Mean Deviation of 1.64, coefficient of variation of 570.17, and Downside Deviation of 2.16. Flushing Financial technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices.

Flushing Financial Price Movement Analysis

The output start index for this execution was twenty-three with a total number of output elements of thirty-eight. The Moving Average is predictive technique used to analyze Flushing Financial price data points by creating a series of averages of different subsets of Flushing Financial entire price series.

Flushing Financial Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Flushing Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Flushing Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Flushing Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Buonaiuto Thomas 3 days ago
Disposition of 1570 shares by Buonaiuto Thomas of Flushing Financial at 16.2 subject to Rule 16b-3
 
Buonaiuto Thomas few days ago
Disposition of 1311 shares by Buonaiuto Thomas of Flushing Financial at 15.67 subject to Rule 16b-3
 
Buonaiuto Thomas over six months ago
Disposition of 19000 shares by Buonaiuto Thomas of Flushing Financial at 13.21 subject to Rule 16b-3
 
Michael Bingold over six months ago
Disposition of 5750 shares by Michael Bingold of Flushing Financial at 12.97 subject to Rule 16b-3
 
John Buran over six months ago
Disposition of 2021 shares by John Buran of Flushing Financial at 17.45 subject to Rule 16b-3
 
Astrid Burrowes over six months ago
Acquisition by Astrid Burrowes of 1840 shares of Flushing Financial subject to Rule 16b-3
 
John Buran over a year ago
Disposition of 1200 shares by John Buran of Flushing Financial at 14.53 subject to Rule 16b-3
 
Mcclintock Douglas J over a year ago
Disposition of 166 shares by Mcclintock Douglas J of Flushing Financial at 14.53 subject to Rule 16b-3
 
Kelly Theresa over a year ago
Disposition of 14068 shares by Kelly Theresa of Flushing Financial at 17.73 subject to Rule 16b-3
 
Kelly Theresa over a year ago
Disposition of 14068 shares by Kelly Theresa of Flushing Financial at 17.73 subject to Rule 16b-3
 
Bennett James Davison over a year ago
Acquisition by Bennett James Davison of 4800 shares of Flushing Financial subject to Rule 16b-3
 
Kelly Theresa over a year ago
Disposition of 157 shares by Kelly Theresa of Flushing Financial at 17.29 subject to Rule 16b-3

Flushing Financial Outstanding Bonds

Flushing Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Flushing Financial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Flushing bonds can be classified according to their maturity, which is the date when Flushing Financial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Flushing Financial Predictive Daily Indicators

Flushing Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Flushing Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Flushing Financial Corporate Filings

F4
3rd of February 2026
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
30th of January 2026
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
29th of January 2026
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
28th of January 2026
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
27th of January 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
13A
23rd of January 2026
The form used by investors holding more than 5% of a company's stock, to report their beneficial ownership pursuant to Rule 13d-1 or Rule 13d-2 under the Securities Exchange Act of 1934
ViewVerify
8K
5th of January 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
31st of December 2025
Other Reports
ViewVerify

Flushing Financial Forecast Models

Flushing Financial's time-series forecasting models are one of many Flushing Financial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Flushing Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

Flushing Financial Debt to Cash Allocation

As Flushing Financial follows its natural business cycle, the capital allocation decisions will not magically go away. Flushing Financial's decision-makers have to determine if most of the cash flows will be poured back into or reinvested in the business, reserved for other projects beyond operational needs, or paid back to stakeholders and investors.
Flushing Financial currently holds 53.84 M in liabilities with Debt to Equity (D/E) ratio of 0.1, which may suggest the company is not taking enough advantage from borrowing. Note, when we think about Flushing Financial's use of debt, we should always consider it together with its cash and equity.

Flushing Financial Total Assets Over Time

Flushing Financial Assets Financed by Debt

The debt-to-assets ratio shows the degree to which Flushing Financial uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

Flushing Financial Debt Ratio

    
  0.59   
It looks as if most of the Flushing Financial's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the Flushing Financial's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of Flushing Financial, which in turn will lower the firm's financial flexibility.

Flushing Financial Corporate Bonds Issued

Most Flushing bonds can be classified according to their maturity, which is the date when Flushing Financial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Flushing Short Long Term Debt Total

Short Long Term Debt Total

51.15 Million

At present, Flushing Financial's Short and Long Term Debt Total is projected to decrease significantly based on the last few years of reporting.

About Flushing Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Flushing Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Flushing shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Flushing Financial. By using and applying Flushing Stock analysis, traders can create a robust methodology for identifying Flushing entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.08  0.07 
Operating Profit Margin 0.08  0.07 
Net Profit Margin 0.04  0.04 
Gross Profit Margin 0.42  0.45 

Current Flushing Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Flushing analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Flushing analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceConsensus# of Analysts
17.15Buy4Odds
Flushing Financial current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Flushing analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Flushing stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Flushing Financial, talking to its executives and customers, or listening to Flushing conference calls.
Flushing Analyst Advice Details

Flushing Stock Analysis Indicators

Flushing Financial stock analysis indicators help investors evaluate how Flushing Financial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Flushing Financial shares will generate the highest return on investment. By understating and applying Flushing Financial stock analysis, traders can identify Flushing Financial position entry and exit signals to maximize returns.
Begin Period Cash Flow172.2 M
Common Stock Shares Outstanding34.5 M
Total Stockholder Equity708 M
Total Cashflows From Investing Activities-505.6 M
Quarterly Earnings Growth Y O Y0.002
Property Plant And Equipment Net70.9 M
Cash And Short Term Investments126.1 M
Cash126.1 M
Net Debt-72.2 M
50 Day M A16.1512
Total Current Liabilities53.8 M
Other Operating Expenses418.7 M
Non Current Assets Total71.6 M
Forward Price Earnings10.3093
Stock Based Compensation2.5 M

Complementary Tools for Flushing Stock analysis

When running Flushing Financial's price analysis, check to measure Flushing Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Flushing Financial is operating at the current time. Most of Flushing Financial's value examination focuses on studying past and present price action to predict the probability of Flushing Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Flushing Financial's price. Additionally, you may evaluate how the addition of Flushing Financial to your portfolios can decrease your overall portfolio volatility.
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