📊 FFIC Key Takeaways
Is Flushing Financial Corp. (FFIC) a Good Investment?
Flushing Financial demonstrates strong operational cash generation ($55.8M FCF) and improved profitability (Net Income +2.7% YoY), but concerning trends in revenue (-98.4% YoY decline), weak profitability ratios (ROE 2.7%, ROA 0.2%), and deteriorating interest coverage (0.5x) raise serious questions about asset quality and earning sustainability. The extremely high operating and net margins appear anomalous for a regional bank and suggest potential one-time gains or non-recurring items masking underlying operational challenges.
Flushing Financial shows stable bottom-line profitability and positive cash generation, but core profitability remains weak for a bank, with ROE of 2.7% and ROA of 0.2%. Reported revenue and margin figures appear distorted by bank-specific accounting, so the more important takeaway is that earnings have held up, but the underlying return profile and coverage metrics do not yet support a stronger fundamental view.
Why Buy Flushing Financial Corp. Stock? FFIC Key Strengths
- Strong free cash flow generation of $55.8M with positive 748.5% FCF margin demonstrates cash conversion capability
- Zero debt/equity ratio indicates conservative capital structure with no leverage risk
- Stable stockholders equity of $708M provides reasonable capital cushion for a $8.7B asset bank
- Operating cash flow of $61M shows ability to generate liquidity from core operations
- Net income remained positive and grew 2.7% year over year despite weak reported revenue trends
- Operating cash flow and reported free cash flow were positive, supporting internal capital generation
- Balance sheet equity of roughly $708M provides a capital buffer relative to earnings volatility
FFIC Stock Risks: Flushing Financial Corp. Investment Risks
- Catastrophic 98.4% revenue decline YoY is highly alarming and suggests loss of significant business segments or accounting changes requiring investigation
- Critically low interest coverage ratio of 0.5x indicates insufficient earnings to cover interest expenses, signaling potential loan loss provisioning or asset quality deterioration
- Extremely weak ROE (2.7%) and ROA (0.2%) well below banking industry standards suggest poor capital efficiency and asset utilization
- Unusually high operating margin (463%) and net margin (253.3%) for a bank suggest non-core or one-time items inflating earnings quality
- 36 Form 4 insider filings in 90 days warrants monitoring for insider selling or unusual trading activity
- ROE of 2.7% and ROA of 0.2% indicate weak profitability and limited efficiency in deploying capital
- Interest coverage of 0.5x suggests pressure on earnings relative to funding costs
- Reported revenue declined 98.4% year over year, highlighting either severe core income pressure or materially noisy financial presentation
Key Metrics to Watch
- Net Interest Margin (NIM) trend and loan loss provisions to assess asset quality deterioration
- Revenue stabilization and drivers of 98.4% YoY decline to understand business sustainability
- Interest coverage ratio improvement toward >2.0x to confirm earnings can support obligations
- ROE and ROA progression toward banking peer averages (8-12% ROE, 0.8-1.2% ROA)
- Insider transaction patterns and nature of Form 4 filings for confidence signals
- Net interest margin and net interest income trend
- Allowance for credit losses and nonperforming loans
Flushing Financial Corp. (FFIC) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 748.5% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
FFIC Profit Margin, ROE & Profitability Analysis
FFIC vs Finance Sector: How Flushing Financial Corp. Compares
How Flushing Financial Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Flushing Financial Corp. Stock Overvalued? FFIC Valuation Analysis 2026
Based on fundamental analysis, Flushing Financial Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Flushing Financial Corp. Balance Sheet: FFIC Debt, Cash & Liquidity
FFIC Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Flushing Financial Corp.'s revenue has grown significantly by 45% over the 5-year period, indicating strong business expansion. The most recent EPS of $0.96 reflects profitable operations.
FFIC Revenue Growth, EPS Growth & YoY Performance
FFIC Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $1.8M | $3.7M | $0.30 |
| Q2 2025 | $1.6M | $3.7M | $0.12 |
| Q1 2025 | $1.4M | $3.7M | $0.12 |
| Q3 2024 | $1.8M | $3.7M | $0.26 |
| Q2 2024 | $1.6M | $3.7M | $0.18 |
| Q1 2024 | $1.4M | $3.7M | $0.12 |
| Q3 2023 | $1.4M | $5.2M | $0.32 |
| Q2 2023 | $1.2M | $5.2M | $0.29 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Flushing Financial Corp. Dividends, Buybacks & Capital Allocation
FFIC SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Flushing Financial Corp. (CIK: 0000923139)
📋 Recent SEC Filings
❓ Frequently Asked Questions about FFIC
What is the AI rating for FFIC?
Flushing Financial Corp. (FFIC) has a Combined AI Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 58% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are FFIC's key strengths?
Claude: Strong free cash flow generation of $55.8M with positive 748.5% FCF margin demonstrates cash conversion capability. Zero debt/equity ratio indicates conservative capital structure with no leverage risk. ChatGPT: Net income remained positive and grew 2.7% year over year despite weak reported revenue trends. Operating cash flow and reported free cash flow were positive, supporting internal capital generation.
What are the risks of investing in FFIC?
Claude: Catastrophic 98.4% revenue decline YoY is highly alarming and suggests loss of significant business segments or accounting changes requiring investigation. Critically low interest coverage ratio of 0.5x indicates insufficient earnings to cover interest expenses, signaling potential loan loss provisioning or asset quality deterioration. ChatGPT: ROE of 2.7% and ROA of 0.2% indicate weak profitability and limited efficiency in deploying capital. Interest coverage of 0.5x suggests pressure on earnings relative to funding costs.
What is FFIC's revenue and growth?
Flushing Financial Corp. reported revenue of $7.5M.
Does FFIC pay dividends?
Flushing Financial Corp. pays dividends, with $30.3M distributed to shareholders in the trailing twelve months.
Where can I find FFIC SEC filings?
Official SEC filings for Flushing Financial Corp. (CIK: 0000923139) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is FFIC's EPS?
Flushing Financial Corp. has a diluted EPS of $0.54.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is FFIC a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Flushing Financial Corp. has a HOLD rating with 58% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is FFIC stock overvalued or undervalued?
Valuation metrics for FFIC: ROE of 2.7% (sector avg: 12%), net margin of 253.3% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy FFIC stock in 2026?
Our dual AI analysis gives Flushing Financial Corp. a combined HOLD rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is FFIC's free cash flow?
Flushing Financial Corp.'s operating cash flow is $61.0M, with capital expenditures of $5.2M. FCF margin is 748.5%.
How does FFIC compare to other Finance stocks?
Vs Finance sector averages: Net margin 253.3% (avg: 25%), ROE 2.7% (avg: 12%), current ratio N/A (avg: 1.2).