Flushing Financial (FFIC) Stock Price, News & Analysis

Company Overview

Flushing Financial Corporation is the bank holding company for Flushing Bank, a community-oriented financial institution headquartered in Flushing, Queens, New York. Tracing its origins to the founding of Flushing Bank in 1929, the holding company was established in 2006 to support the bank’s growth and diversification. Flushing Financial operates under the Nasdaq ticker FFIC, delivering a full suite of banking services to personal, commercial and institutional customers.

The company’s primary business activities include deposit-taking, consumer and commercial lending, mortgage banking and treasury management. Personal banking offerings encompass checking and savings accounts, home equity lines of credit and residential mortgage loans, while commercial clients can access business loans, lines of credit, SBA financing and commercial real estate lending. Online and mobile banking platforms complement its branch network, enabling customers to manage accounts, initiate payments and monitor transactions remotely.

In addition to core banking services, Flushing Financial provides non-deposit financial products through affiliated entities and strategic partnerships. These include property and casualty insurance, life insurance and retirement planning solutions, designed to address the broader financial and risk-management needs of individuals and businesses. Mortgage services are delivered through dedicated mortgage centers offering purchase and refinance options across a range of loan programs.

Flushing Financial serves the New York metropolitan region and northwestern New Jersey through a network of full-service branches in Queens, Brooklyn, Manhattan, Long Island, Westchester County and select New Jersey communities. Its leadership team comprises seasoned banking executives and finance professionals overseen by a board of directors with expertise in community banking, risk management and corporate governance. The company’s regional focus and long-standing community ties underpin its strategy of personalized service and local market knowledge.

Key Stats

• Today's Range: $13.60 to $13.82
• 50-Day Range: $11.80 to $13.82
• 52-Week Range: $10.65 to $18.59
• Volume: 147,442 shs
• Average Volume: 189,860 shs
• Market Capitalization: $466.84 million
• P/E Ratio: N/A
• Dividend Yield: 6.37%
• Price Target: N/A
• Consensus Rating: N/A

Flushing Financial Stock Analysis - MarketRank™

Flushing Financial scored higher than 80% of companies evaluated by MarketBeat, and ranked 310th out of 922 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Flushing Financial.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 20.83%

Earnings Growth

Earnings for Flushing Financial are expected to grow by 20.83% in the coming year, from $1.20 to $1.45 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Flushing Financial is -11.61, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of Flushing Financial is -11.61, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Book Value per Share Ratio

Flushing Financial has a P/B Ratio of 0.64. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.56% of the outstanding shares of Flushing Financial have been sold short.

Short Interest Ratio / Days to Cover

Flushing Financial has a short interest ratio ("days to cover") of 2.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Flushing Financial has recently decreased by 3.91%, indicating that investor sentiment is improving.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Flushing Financial is a leading dividend payer. It pays a dividend yield of 6.42%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Flushing Financial does not have a long track record of dividend growth.

Dividend Sustainability

Based on earnings estimates, Flushing Financial will have a dividend payout ratio of 60.69% next year. This indicates that Flushing Financial will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.56% of the outstanding shares of Flushing Financial have been sold short.

Short Interest Ratio / Days to Cover

Flushing Financial has a short interest ratio ("days to cover") of 2.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Flushing Financial has recently decreased by 3.91%, indicating that investor sentiment is improving.

News and Social Media

• Score: 3.7 / 5
• News Sentiment: 1.67

News Sentiment

Flushing Financial has a news sentiment score of 1.67. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.95 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 6 news articles for Flushing Financial this week, compared to 3 articles on an average week.

MarketBeat Follows

1 people have added Flushing Financial to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Flushing Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 5.66% of the stock of Flushing Financial is held by insiders.

Percentage Held by Institutions

67.10% of the stock of Flushing Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

FFIC Stock Analysis - Frequently Asked Questions

How have FFIC shares performed this year?

Flushing Financial's stock was trading at $14.28 at the start of the year. Since then, FFIC shares have decreased by 3.2% and is now trading at $13.82.

How were Flushing Financial's earnings last quarter?

Flushing Financial Corporation (NASDAQ:FFIC) posted its quarterly earnings data on Thursday, July, 24th. The bank reported $0.32 earnings per share (EPS) for the quarter, beating analysts' consensus estimates of $0.29 by $0.03. The bank had revenue of $58.92 million for the quarter, compared to analyst estimates of $60.13 million. Flushing Financial had a negative net margin of 7.13% and a positive trailing twelve-month return on equity of 4.45%.
Read the conference call transcript.

Who are Flushing Financial's major shareholders?

Flushing Financial's top institutional investors include Gamco Investors INC. ET AL (3.08%), Geode Capital Management LLC (2.41%), Patriot Financial Partners GP LP (2.00%) and The Manufacturers Life Insurance Company (1.96%). Insiders that own company stock include Louis C Grassi, Maria A Grasso, Francis W Korzekwinski, Sam Sang Ki Han, Steven J Diorio, Theresa Kelly, Astrid Burrowes, Michael A Azarian and Thomas Buonaiuto.
View institutional ownership trends.

How do I buy shares of Flushing Financial?

Shares of FFIC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Flushing Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Flushing Financial investors own include Chevron (CVX), American Water Works (AWK), Waste Connections (WCN), The RMR Group (RMR), AU Optronics (AUOTY), DiamondRock Hospitality (DRH) and Comcast (CMCSA).

Company Calendar

• Record date for 6/20 Dividend: 6/13/2025
• Ex-Dividend for 6/20 Dividend: 6/13/2025
• Dividend Payable: 6/20/2025
• Last Earnings: 7/24/2025
• Today: 9/05/2025
• Record date for 9/26 Dividend: 9/05/2025
• Ex-Dividend for 9/26 Dividend: 9/05/2025
• Dividend Payable: 9/26/2025
• Next Earnings (Estimated): 10/23/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - SVGS & LOAN
• Sub-Industry: Thrifts & Mortgage Finance
• Current Symbol: NASDAQ:FFIC
• CIK: 923139
• Web: www.flushingbank.com
• Phone: (718) 961-5400
• Fax: 718-961-7646
• Employees: 540
• Year Founded: 1929

Profitability

• EPS (Trailing Twelve Months): ($1.19)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: 11.52
• P/E Growth: N/A
• Net Income: -$31.33 million
• Net Margins: -7.13%
• Pretax Margin: -9.40%
• Return on Equity: 4.45%
• Return on Assets: 0.35%

Debt

• Debt-to-Equity Ratio: 0.85
• Current Ratio: 0.94
• Quick Ratio: 0.94

Sales & Book Value

• Annual Sales: $484.72 million
• Price / Sales: 0.96
• Cash Flow: $0.94 per share
• Price / Cash Flow: 14.73
• Book Value: $21.53 per share
• Price / Book: 0.64

Miscellaneous

• Outstanding Shares: 33,780,000
• Free Float: 31,866,000
• Market Cap: $466.84 million
• Optionable: Optionable
• Beta: 0.83