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Flushing Financial (FFIC) Financials

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Annual Income Statements for Flushing Financial

Annual Income Statements for Flushing Financial

This table shows Flushing Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 46 65 41 55 41 35 82 77 29 -31 19
Consolidated Net Income / (Loss)		 46 65 41 55 41 35 82 77 29 -31 19
Net Income / (Loss) Continuing Operations		 46 65 41 55 41 35 82 77 29 -31 19
Total Pre-Tax Income 		73 106 66 65 53 45 109 105 40 -48 35
Total Revenue		 170 225 183 178 171 206 252 254 202 125 239
Net Interest Income / (Expense)		 154 167 173 167 162 195 248 244 179 182 216
Total Interest Income		 204 221 235 257 279 264 289 317 401 465 466
Loans and Leases Interest Income		 179 195 209 233 252 248 274 293 355 376 377
Investment Securities Interest Income		 25 26 25 23 26 16 14 21 38 79 81
Other Interest Income		 0.13 0.25 0.53 1.19 1.60 0.36 0.20 2.42 8.41 11 7.83
Total Interest Expense		 50 54 61 90 117 69 41 73 222 283 251
Deposits Interest Expense		 30 33 40 64 88 42 20 47 189 245 229
Other Interest Expense		 19 21 21 25 29 27 20 26 34 39 22
Total Non-Interest Income		 16 58 10 10 9.47 11 3.69 10 23 -57 23
Other Service Charges		 5.59 4.92 5.70 5.40 5.61 5.91 9.47 6.70 12 10 11
Net Realized & Unrealized Capital Gains on Investments		 5.29 -1.33 -3.05 -4.73 -3.73 -2.80 -12 -5.00 3.96 -77 2.12
Other Non-Interest Income		 4.85 54 7.71 9.67 7.59 7.93 6.14 8.31 7.09 8.80 11
Provision for Credit Losses		 -0.96 0.00 9.86 0.58 2.81 23 -4.94 5.08 11 9.57 13
Total Non-Interest Expense		 98 119 107 112 115 138 147 144 151 163 192
Salaries and Employee Benefits		 53 61 62 65 68 74 88 84 86 91 96
Net Occupancy & Equipment Expense		 15 14 16 16 17 21 21 20 20 22 24
Property & Liability Insurance Claims		 3.24 2.99 1.82 2.12 0.87 2.68 2.95 2.26 3.99 6.30 5.63
Other Operating Expenses		 23 34 23 24 23 34 29 31 35 38 43
Depreciation Expense		 3.58 4.45 4.83 5.79 5.93 6.21 6.43 5.93 5.97 5.73 5.34
Impairment Charge		 - - - - - - - - 0.00 0.00 18
Other Special Charges		 - 2.00 -0.05 -0.03 - 0.04 - 0.00 0.00 -0.17 0.00
Income Tax Expense		 27 41 25 10 12 11 27 28 11 -17 16
Basic Earnings per Share		 $1.59 $2.24 $1.41 $1.92 $1.44 $1.18 $2.59 $2.50 $0.96 ($1.07) $0.54
Weighted Average Basic Shares Outstanding		 29.11M 28.96M 29.08M 28.19M 28.34M 30.95M 30.48M 29.49M 29.07M 33.78M 33.88M
Diluted Earnings per Share		 $1.59 $2.24 $1.41 $1.92 $1.44 $1.18 $2.59 $2.50 $0.96 ($1.07) $0.54
Weighted Average Diluted Shares Outstanding		 29.11M 28.96M 29.08M 28.19M 28.34M 30.95M 30.48M 29.49M 29.07M 33.78M 33.88M
Weighted Average Basic & Diluted Shares Outstanding		 29.11M 28.96M 29.08M 28.19M 28.34M 30.95M 30.48M 29.49M 29.07M 33.78M 33.88M
Cash Dividends to Common per Share		 $0.64 $0.68 $0.72 $0.80 $0.84 $0.84 $0.84 $0.88 $0.88 - $0.22

Quarterly Income Statements for Flushing Financial

This table shows Flushing Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 7.84 8.10 3.68 5.32 8.91 -49 -9.80 14 10 4.03 5.83
Consolidated Net Income / (Loss)		 7.84 8.10 3.68 5.32 8.91 -49 -9.80 14 10 4.03 5.83
Net Income / (Loss) Continuing Operations		 7.84 8.10 3.68 5.32 8.91 -49 -9.80 14 10 4.03 5.83
Total Pre-Tax Income 		11 12 5.00 7.14 11 -72 -5.93 19 14 7.84 8.19
Total Revenue		 48 53 45 47 52 -20 58 63 59 59 57
Net Interest Income / (Expense)		 44 46 42 43 46 51 53 53 54 56 55
Total Interest Income		 104 109 109 113 123 120 117 117 116 116 113
Loans and Leases Interest Income		 91 96 93 93 96 94 93 95 95 94 92
Investment Securities Interest Income		 10 11 13 18 24 24 21 20 20 19 20
Other Interest Income		 2.15 2.31 3.97 2.26 2.57 1.79 2.06 2.18 1.69 1.90 1.78
Total Interest Expense		 60 63 67 70 77 69 64 64 63 60 58
Deposits Interest Expense		 50 53 58 61 66 60 57 59 57 55 53
Other Interest Expense		 9.54 9.39 9.24 9.56 11 9.08 6.37 5.16 5.50 5.14 4.99
Total Non-Interest Income		 3.31 7.40 3.08 4.22 6.28 -71 5.07 10 4.75 3.30 1.79
Other Service Charges		 2.75 3.97 1.87 2.24 3.28 2.91 2.33 2.60 2.91 2.82 2.59
Net Realized & Unrealized Capital Gains on Investments		 -1.25 0.91 -0.72 0.08 1.11 -77 0.48 4.41 -0.85 -1.92 -3.37
Other Non-Interest Income		 1.80 2.53 1.94 1.89 1.89 3.36 2.27 3.26 2.69 2.41 2.57
Provision for Credit Losses		 0.60 1.00 0.59 0.81 1.73 6.44 4.32 4.19 1.53 2.75 2.01
Total Non-Interest Expense		 36 41 40 39 39 46 60 40 43 48 47
Salaries and Employee Benefits		 20 23 22 22 22 25 23 23 25 26 27
Net Occupancy & Equipment Expense		 4.79 5.34 5.51 5.50 5.43 5.58 5.96 5.81 6.02 6.08 6.39
Property & Liability Insurance Claims		 0.91 1.16 1.65 1.32 1.32 2.01 1.71 1.51 1.37 1.04 1.00
Other Operating Expenses		 8.86 9.38 9.16 9.08 8.47 11 10 9.02 9.97 14 11
Depreciation Expense		 1.48 1.49 1.46 1.43 1.44 1.41 1.37 1.37 1.32 1.28 1.32
Impairment Charge		 - - 0.00 0.00 0.00 - 18 0.00 0.00 - 0.00
Income Tax Expense		 2.92 3.66 1.31 1.81 2.55 -23 3.87 4.73 3.23 3.81 2.36
Basic Earnings per Share		 $0.26 $0.28 $0.12 $0.18 $0.30 ($1.65) ($0.29) $0.41 $0.30 $0.12 $0.17
Weighted Average Basic Shares Outstanding		 28.90M 29.07M 29.07M 29.07M 29.07M 33.78M 33.78M 33.78M 33.78M 33.88M 33.88M
Diluted Earnings per Share		 $0.26 $0.28 $0.12 $0.18 $0.30 ($1.65) ($0.29) $0.41 $0.30 $0.12 $0.17
Weighted Average Diluted Shares Outstanding		 28.90M 29.07M 29.07M 29.07M 29.07M 33.78M 33.78M 33.78M 33.78M 33.88M 33.88M
Weighted Average Basic & Diluted Shares Outstanding		 28.90M 29.07M 29.07M 29.07M 29.07M 33.78M 33.78M 33.78M 33.78M 33.88M 33.88M
Cash Dividends to Common per Share		 $0.22 - $0.22 $0.22 $0.22 - $0.22 $0.22 $0.22 - $0.44

Annual Cash Flow Statements for Flushing Financial

This table details how cash moves in and out of Flushing Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 8.10 -6.51 16 67 -69 108 -76 70 20 -20 -26
Net Cash From Operating Activities		 45 42 84 77 64 71 89 86 35 12 61
Net Cash From Continuing Operating Activities		 45 42 84 77 64 71 89 86 35 12 61
Net Income / (Loss) Continuing Operations		 46 65 41 55 41 35 82 77 29 -31 19
Consolidated Net Income / (Loss)		 46 65 41 55 41 35 82 77 29 -31 19
Provision For Loan Losses		 -0.96 - - 0.58 2.81 23 -4.94 5.08 11 9.57 13
Depreciation Expense		 3.58 4.45 4.83 5.79 5.93 6.21 6.43 5.93 5.97 5.73 5.34
Amortization Expense		 8.99 8.45 7.51 8.15 7.11 6.55 -0.38 1.68 0.98 3.91 4.08
Non-Cash Adjustments to Reconcile Net Income		 -9.40 -45 14 2.96 5.28 1.36 11 4.86 0.42 57 21
Changes in Operating Assets and Liabilities, net		 -3.68 9.12 16 4.74 1.36 -0.65 -5.21 -8.75 -12 -32 -0.81
Net Cash From Investing Activities		 -601 -322 -254 -478 -195 93 -107 -352 -94 -506 247
Net Cash From Continuing Investing Activities		 -601 -322 -254 -478 -195 93 -107 -352 -94 -506 247
Purchase of Property, Leasehold Improvements and Equipment		 -11 -6.66 -9.43 -5.41 -4.21 -2.51 -3.68 -4.34 -5.49 -2.31 -5.22
Purchase of Investment Securities		 -909 -653 -594 -702 -422 -451 -833 -664 -476 -1,528 -773
Sale and/or Maturity of Investments		 299 337 349 228 232 515 439 343 207 791 692
Other Investing Activities, net		 - - - - -0.80 -55 291 -27 180 233 333
Net Cash From Financing Activities		 564 273 186 468 62 -57 -57 336 80 474 -334
Net Cash From Continuing Financing Activities		 564 273 186 468 62 -57 -57 336 80 474 -334
Net Change in Deposits		 382 309 175 575 106 214 193 154 327 360 125
Issuance of Debt		 340 552 322 206 241 215 123 299 55 624 -435
Issuance of Common Equity		 - - - - - - - 0.00 0.00 66 0.00
Repayment of Debt		 -126 -562 -283 -270 -257 -452 -342 -56 -265 -551 0.00
Repurchase of Common Equity		 -16 -9.86 -9.29 -23 -2.66 -3.88 -11 -27 -11 0.00 0.00
Payment of Dividends		 -19 -20 -21 -23 -24 -25 -27 -27 -26 -26 -30
Other Financing Activities, Net		 1.88 4.41 2.39 2.26 -0.48 -5.16 6.29 -6.18 0.53 0.99 5.79
Cash Interest Paid		 48 54 60 85 116 71 41 64 215 279 254
Cash Income Taxes Paid		 33 37 24 6.62 15 18 28 32 6.27 8.58 1.33

Quarterly Cash Flow Statements for Flushing Financial

This table details how cash moves in and out of Flushing Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 41 -29 39 -54 111 -115 119 -122 -7.19 -17 33
Net Cash From Operating Activities		 10 23 -6.23 9.57 5.40 3.67 6.85 26 20 8.83 -8.91
Net Cash From Continuing Operating Activities		 10 23 -6.23 9.57 5.40 3.67 6.85 26 20 8.83 -8.91
Net Income / (Loss) Continuing Operations		 7.84 8.10 3.68 5.32 8.91 -49 -9.80 14 10 4.03 5.83
Consolidated Net Income / (Loss)		 7.84 8.10 3.68 5.32 8.91 -49 -9.80 14 10 4.03 5.83
Provision For Loan Losses		 0.60 1.00 0.59 0.81 1.73 6.44 4.32 4.19 1.53 2.75 2.01
Depreciation Expense		 1.48 1.49 1.46 1.43 1.44 1.41 1.37 1.37 1.32 1.28 1.32
Amortization Expense		 0.40 -1.55 0.98 1.31 0.83 0.79 0.50 0.83 0.88 1.87 1.07
Non-Cash Adjustments to Reconcile Net Income		 0.58 -2.29 3.27 -2.63 -0.49 57 19 -2.68 2.32 1.94 4.40
Changes in Operating Assets and Liabilities, net		 -0.51 17 -16 3.34 -7.00 -12 -8.70 7.86 3.06 -3.03 -24
Net Cash From Investing Activities		 -63 -19 -214 -355 -83 147 77 109 -35 96 -147
Net Cash From Continuing Investing Activities		 -63 -19 -214 -355 -83 147 77 109 -35 96 -147
Purchase of Property, Leasehold Improvements and Equipment		 -0.60 -1.46 -0.29 -0.78 -0.55 -0.69 -1.70 -1.33 -0.24 -1.94 -0.77
Purchase of Investment Securities		 -91 -69 -452 -494 -151 -430 -84 -40 -438 -211 -389
Sale and/or Maturity of Investments		 74 -13 79 80 80 547 125 86 239 242 117
Other Investing Activities, net		 -44 64 159 59 -12 31 37 64 164 68 126
Net Cash From Financing Activities		 93 -33 259 292 189 -266 36 -257 8.29 -122 188
Net Cash From Continuing Financing Activities		 93 -33 259 292 189 -266 36 -257 8.29 -122 188
Net Change in Deposits		 -57 155 406 -322 650 -373 539 -408 112 -81 232
Issuance of Debt		 143 67 29 645 -470 420 -495 180 315 -435 -60
Repayment of Debt		 - -226 -200 - - -351 0.00 - -425 425 -12
Payment of Dividends		 -6.53 -6.47 -6.54 -6.50 -6.54 -6.46 -7.52 -7.59 -7.59 -7.59 -7.66
Other Financing Activities, Net		 14 -22 30 -24 16 -20 -0.71 -21 14 -23 36
Cash Interest Paid		 58 60 66 68 70 75 67 65 62 60 57
Cash Income Taxes Paid		 0.19 -0.00 3.17 1.37 1.64 2.40 0.15 0.02 0.17 0.99 0.16

Annual Balance Sheets for Flushing Financial

This table presents Flushing Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 5,705 6,058 6,299 6,834 7,018 7,976 8,046 8,423 8,537 9,039 8,693
Cash and Due from Banks		 42 36 52 119 50 157 82 152 172 153 126
Trading Account Securities		 1,000 899 769 855 831 706 835 809 948 1,619 1,440
Loans and Leases, Net of Allowance		 4,366 4,813 5,157 5,531 5,750 6,660 6,601 6,894 6,867 6,706 6,611
Loans and Leases		 4,388 4,836 5,177 5,551 5,772 6,705 6,638 6,935 6,907 6,746 6,654
Allowance for Loan and Lease Losses		 22 22 20 21 22 45 37 40 40 40 43
Accrued Investment Income		 19 20 21 25 26 44 39 45 59 62 59
Premises and Equipment, Net		 26 27 31 30 29 28 23 22 21 18 18
Intangible Assets		 - - - - 0.00 3.17 2.56 2.02 1.54 1.12 0.77
Other Assets		 236 247 253 258 316 361 446 481 451 463 438
Total Liabilities & Shareholders' Equity		 5,705 6,058 6,299 6,834 7,018 7,976 8,046 8,423 8,537 9,039 8,693
Total Liabilities		 5,232 5,545 5,767 6,285 6,438 7,357 7,366 7,746 7,867 8,314 7,985
Non-Interest Bearing Deposits		 269 333 385 414 435 779 968 921 847 837 969
Interest Bearing Deposits		 3,623 3,872 3,998 4,547 4,631 5,358 5,418 5,564 5,968 6,342 6,342
Long-Term Debt		 1,136 1,267 1,310 1,251 1,237 1,021 816 1,053 841 916 485
Other Long-Term Liabilities		 67 72 74 73 134 200 165 207 211 219 189
Total Equity & Noncontrolling Interests		 473 514 533 549 580 619 680 677 670 725 708
Total Preferred & Common Equity		 473 514 533 549 580 619 680 677 670 725 708
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 473 514 533 549 580 619 680 677 670 725 708
Common Stock		 211 215 218 223 227 262 264 265 265 327 327
Retained Earnings		 317 361 381 414 434 443 498 548 550 492 480
Treasury Stock		 -49 -54 -58 -75 -71 -69 -75 -99 -106 -102 -99
Accumulated Other Comprehensive Income / (Loss)		 -5.56 -8.36 -8.99 -13 -9.81 -16 -6.68 -36 -39 7.13 -0.45

Quarterly Balance Sheets for Flushing Financial

This table presents Flushing Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 8,557 8,480 8,475 8,579 8,807 9,097 9,281 9,008 8,777 8,872 8,863
Cash and Due from Banks		 165 177 160 201 211 157 268 272 150 143 159
Trading Account Securities		 894 885 943 917 1,249 1,621 1,686 1,531 1,443 1,592 1,678
Loans and Leases, Net of Allowance		 6,915 6,865 6,794 6,857 6,781 6,735 6,778 6,702 6,668 6,628 6,517
Loans and Leases		 6,957 6,904 6,832 6,896 6,822 6,777 6,818 6,742 6,710 6,670 6,562
Allowance for Loan and Lease Losses		 41 39 39 39 41 42 40 40 41 42 44
Accrued Investment Income		 43 47 53 56 61 63 64 62 60 60 60
Premises and Equipment, Net		 22 22 22 21 20 19 19 18 18 17 17
Intangible Assets		 2.15 1.89 1.77 1.65 1.43 1.32 1.22 1.03 0.94 0.85 0.70
Other Assets		 499 464 484 509 466 483 448 423 437 431 430
Total Liabilities & Shareholders' Equity		 8,557 8,480 8,475 8,579 8,807 9,097 9,281 9,008 8,777 8,872 8,863
Total Liabilities		 7,887 7,807 7,805 7,913 8,137 8,432 8,614 8,306 8,070 8,161 8,165
Non-Interest Bearing Deposits		 992 872 828 874 816 825 861 864 900 965 996
Interest Bearing Deposits		 5,133 5,862 5,896 5,807 6,437 6,082 6,711 6,855 6,390 6,451 6,585
Long-Term Debt		 1,573 888 857 1,001 671 1,317 846 422 600 492 416
Other Long-Term Liabilities		 189 186 224 230 213 208 195 166 181 253 169
Total Equity & Noncontrolling Interests		 671 672 670 667 670 665 667 703 706 711 697
Total Preferred & Common Equity		 671 672 670 667 670 665 667 703 706 711 697
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 671 672 670 667 670 665 667 703 706 711 697
Common Stock		 264 263 264 265 261 261 262 325 326 326 326
Retained Earnings		 544 545 547 548 547 545 548 474 481 484 471
Treasury Stock		 -91 -98 -105 -105 -102 -102 -102 -99 -99 -99 -97
Accumulated Other Comprehensive Income / (Loss)		 -46 -38 -36 -41 -36 -39 -41 2.70 -1.26 0.04 -2.66

Annual Metrics And Ratios for Flushing Financial

This table displays calculated financial ratios and metrics derived from Flushing Financial's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 0.00 28,618,493.00 28,819,891.00 28,001,422.00 28,157,206.00 28,218,427.00 30,676,195.00 - - - 33,778,438.00
DEI Adjusted Shares Outstanding		 0.00 28,618,493.00 28,819,891.00 28,001,422.00 28,157,206.00 28,218,427.00 30,676,195.00 - - - 33,778,438.00
DEI Earnings Per Adjusted Shares Outstanding		 0.00 2.27 1.43 1.97 1.47 1.23 2.67 - - - 0.56
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 7.81% 32.02% -18.32% -3.12% -3.56% 20.32% 22.02% 0.78% -20.46% -38.25% 91.81%
EBITDA Growth		 3.65% 38.38% -34.01% 1.21% -16.43% -12.69% 99.02% -2.48% -58.41% -182.58% 213.73%
EBIT Growth		 0.77% 44.49% -37.62% -0.98% -18.56% -15.28% 141.86% -4.05% -62.01% -221.17% 171.52%
NOPAT Growth		 4.45% 40.48% -36.66% 33.97% -25.07% -16.00% 135.89% -5.93% -62.75% -217.87% 155.88%
Net Income Growth		 4.45% 40.48% -36.66% 33.97% -25.07% -16.00% 135.89% -5.93% -62.75% -209.31% 160.26%
EPS Growth		 7.43% 40.88% -37.05% 36.17% -25.00% -18.06% 119.49% -3.47% -61.60% -209.38% 150.47%
Operating Cash Flow Growth		 -22.04% -5.22% 97.02% -7.45% -17.51% 11.77% 24.30% -3.21% -59.67% -64.11% 391.62%
Free Cash Flow Firm Growth		 -595.27% 105.58% -324.21% 568.27% -74.57% 757.61% 7.00% -169.76% 256.74% -165.92% 385.95%
Invested Capital Growth		 14.01% 3.23% 3.47% -2.28% 0.92% -9.74% -8.83% 15.71% -12.66% 8.57% -27.31%
Revenue Q/Q Growth		 -0.10% 7.78% 217.55% -3.12% 0.00% 12.14% -2.38% -5.88% 3.56% -37.04% 49.02%
EBITDA Q/Q Growth		 -0.45% 4.75% 124.81% -0.79% 164.82% 1.29% 2.93% -7.60% -7.18% -190.42% 219.70%
EBIT Q/Q Growth		 -1.31% 5.29% 195.21% -0.98% 146.40% 2.22% 4.75% -8.71% -2.60% -236.56% 176.41%
NOPAT Q/Q Growth		 1.26% 4.26% 83.56% 33.97% -50.68% -21.45% 21.77% -9.24% -6.98% -229.89% 159.71%
Net Income Q/Q Growth		 1.26% 4.26% 187.84% 33.97% -50.68% -21.45% 21.77% -9.24% -6.98% -220.46% 154.90%
EPS Q/Q Growth		 1.92% 4.19% -17.06% 14.29% 0.70% -22.88% 22.17% -8.09% -6.80% -219.32% 143.90%
Operating Cash Flow Q/Q Growth		 -9.93% -11.09% 43.80% -13.95% -9.21% 25.12% 3.77% -8.46% 6.88% -61.21% 9.24%
Free Cash Flow Firm Q/Q Growth		 6.91% 108.96% -113.35% 128.04% 114.67% 69.90% -59.30% 78.58% -59.19% -190.44% 68.11%
Invested Capital Q/Q Growth		 0.99% -4.95% 5.86% 3.53% -8.74% -14.16% 5.22% -22.88% -9.38% 8.43% -0.92%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 50.51% 52.94% 42.77% 44.68% 38.72% 28.10% 45.83% 44.34% 23.19% -31.01% 18.39%
EBIT Margin		 43.13% 47.20% 36.05% 36.84% 31.11% 21.91% 43.42% 41.34% 19.74% -38.75% 14.45%
Profit (Net Income) Margin		 27.16% 28.90% 22.41% 30.99% 24.08% 16.81% 32.50% 30.34% 14.21% -25.15% 7.90%
Tax Burden Percent		 62.98% 61.23% 62.18% 84.13% 77.40% 76.74% 74.85% 73.38% 71.96% 64.92% 54.69%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 37.02% 38.77% 37.82% 15.87% 22.60% 23.26% 25.15% 26.62% 28.04% 0.00% 45.31%
Return on Invested Capital (ROIC)		 2.85% 3.70% 2.27% 3.02% 2.28% 2.01% 5.22% 4.77% 1.77% -2.14% 1.33%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.85% 3.70% 2.27% 3.02% 2.28% 2.01% 5.22% 4.77% 1.77% -1.86% 1.33%
Return on Net Nonoperating Assets (RNNOA)		 7.09% 9.45% 5.59% 7.16% 5.03% 3.78% 7.38% 6.57% 2.49% -2.35% 1.30%
Return on Equity (ROE)		 9.94% 13.16% 7.86% 10.18% 7.31% 5.79% 12.60% 11.34% 4.26% -4.49% 2.64%
Cash Return on Invested Capital (CROIC)		 -10.24% 0.53% -1.14% 5.33% 1.36% 12.25% 14.45% -9.80% 15.28% -10.36% 32.96%
Operating Return on Assets (OROA)		 1.36% 1.80% 1.07% 1.00% 0.77% 0.60% 1.36% 1.27% 0.47% -0.55% 0.39%
Return on Assets (ROA)		 0.86% 1.10% 0.67% 0.84% 0.60% 0.46% 1.02% 0.93% 0.34% -0.36% 0.21%
Return on Common Equity (ROCE)		 9.94% 13.16% 7.86% 10.18% 7.31% 5.79% 12.60% 11.34% 4.26% -4.49% 2.64%
Return on Equity Simple (ROE_SIMPLE)		 9.77% 12.63% 7.72% 10.03% 7.12% 5.60% 12.04% 11.36% 4.28% -4.32% 2.67%
Net Operating Profit after Tax (NOPAT)		 46 65 41 55 41 35 82 77 29 -34 19
NOPAT Margin		 27.16% 28.90% 22.41% 30.99% 24.08% 16.81% 32.50% 30.34% 14.21% -27.12% 7.90%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -0.28% 0.00%
SG&A Expenses to Revenue		 39.83% 33.41% 42.37% 45.18% 49.57% 46.04% 43.45% 41.23% 52.71% 91.04% 50.36%
Operating Expenses to Revenue		 57.43% 52.80% 58.58% 62.83% 67.25% 66.88% 58.54% 56.66% 75.04% 131.07% 80.20%
Earnings before Interest and Taxes (EBIT)		 73 106 66 65 53 45 109 105 40 -48 35
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 86 119 78 79 66 58 115 112 47 -39 44
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 1.17 1.10 0.83 0.83 0.64 0.96 0.75 0.67 0.57 0.70
Price to Tangible Book Value (P/TBV)		 0.00 1.21 1.13 0.86 0.85 0.66 0.99 0.78 0.69 0.59 0.70
Price to Revenue (P/Rev)		 0.00 2.69 3.18 2.58 2.81 1.91 2.58 2.01 2.22 3.33 2.09
Price to Earnings (P/E)		 0.00 9.30 14.20 8.32 11.66 11.39 7.94 6.62 15.60 0.00 26.39
Dividend Yield		 4.25% 3.22% 3.55% 4.89% 4.92% 6.00% 3.97% 5.15% 5.69% 6.16% 5.97%
Earnings Yield		 0.00% 10.75% 7.04% 12.02% 8.58% 8.78% 12.59% 15.10% 6.41% 0.00% 3.79%
Enterprise Value to Invested Capital (EV/IC)		 0.00 1.03 1.00 0.88 0.92 0.77 0.93 0.82 0.74 0.72 0.72
Enterprise Value to Revenue (EV/Rev)		 0.00 8.17 10.04 8.95 9.73 6.10 5.50 5.56 5.53 9.46 3.59
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 15.43 23.47 20.03 25.14 21.72 12.00 12.54 23.86 0.00 19.50
Enterprise Value to EBIT (EV/EBIT)		 0.00 17.30 27.85 24.29 31.29 27.85 12.66 13.46 28.02 0.00 24.82
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 28.26 44.80 28.87 40.42 36.29 16.91 18.34 38.94 0.00 45.38
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 43.27 22.05 20.58 26.17 17.66 15.61 16.45 32.28 94.96 14.04
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 198.47 0.00 16.39 67.60 5.94 6.11 0.00 4.51 0.00 1.84
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 2.65 2.46 2.46 2.28 2.13 1.65 1.20 1.56 1.26 1.26 0.68
Long-Term Debt to Equity		 2.40 2.46 2.46 2.28 2.13 1.65 1.20 1.56 1.26 1.26 0.68
Financial Leverage		 2.48 2.55 2.46 2.37 2.20 1.88 1.41 1.38 1.41 1.26 0.98
Leverage Ratio		 11.60 11.92 11.81 12.14 12.27 12.51 12.34 12.14 12.59 12.61 12.38
Compound Leverage Factor		 11.60 11.92 11.81 12.14 12.27 12.51 12.34 12.14 12.59 12.61 12.38
Debt to Total Capital		 72.57% 71.14% 71.09% 69.48% 68.10% 62.25% 54.55% 60.86% 55.67% 55.84% 40.64%
Short-Term Debt to Total Capital		 6.73% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 65.85% 71.14% 71.09% 69.48% 68.10% 62.25% 54.55% 60.86% 55.67% 55.84% 40.64%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 27.43% 28.86% 28.91% 30.52% 31.90% 37.75% 45.45% 39.14% 44.33% 44.16% 59.36%
Debt to EBITDA		 14.56 10.65 16.69 15.75 18.64 17.62 7.07 9.36 17.99 -23.71 11.03
Net Debt to EBITDA		 14.07 10.35 16.03 14.26 17.89 14.90 6.36 8.01 14.30 -19.76 8.16
Long-Term Debt to EBITDA		 13.21 10.65 16.69 15.75 18.64 17.62 7.07 9.36 17.99 -23.71 11.03
Debt to NOPAT		 27.09 19.51 31.85 22.71 29.97 29.44 9.97 13.68 29.35 -27.11 25.67
Net Debt to NOPAT		 26.17 18.96 30.60 20.55 28.77 24.90 8.97 11.71 23.34 -22.60 18.99
Long-Term Debt to NOPAT		 24.58 19.51 31.85 22.71 29.97 29.44 9.97 13.68 29.35 -27.11 25.67
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -166 9.24 -21 97 25 212 227 -158 248 -163 467
Operating Cash Flow to CapEx		 0.00% 637.04% 885.37% 1,829.66% 1,875.59% 2,837.50% 2,407.55% 1,975.01% 630.19% 537.32% 1,168.74%
Free Cash Flow to Firm to Interest Expense		 -3.33 0.17 -0.34 1.08 0.21 3.06 5.58 -2.16 1.11 -0.58 1.86
Operating Cash Flow to Interest Expense		 0.90 0.79 1.36 0.86 0.55 1.03 2.18 1.17 0.16 0.04 0.24
Operating Cash Flow Less CapEx to Interest Expense		 1.08 0.66 1.21 0.82 0.52 0.99 2.09 1.12 0.13 0.04 0.22
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.04 0.03 0.03 0.02 0.03 0.03 0.03 0.02 0.01 0.03
Fixed Asset Turnover		 7.17 8.61 6.39 5.80 5.80 7.26 9.77 11.25 9.38 6.37 13.43
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,725 1,780 1,842 1,800 1,817 1,640 1,495 1,730 1,511 1,641 1,193
Invested Capital Turnover		 0.11 0.13 0.10 0.10 0.09 0.12 0.16 0.16 0.12 0.08 0.17
Increase / (Decrease) in Invested Capital		 212 56 62 -42 17 -177 -145 235 -219 129 -448
Enterprise Value (EV)		 0.00 1,834 1,842 1,591 1,669 1,258 1,383 1,411 1,116 1,179 857
Market Capitalization		 0.00 604 584 458 481 395 650 510 447 415 498
Book Value per Share		 $16.25 $17.96 $18.48 $19.62 $20.59 $21.94 $22.15 $22.72 $23.17 $24.92 $20.96
Tangible Book Value per Share		 $15.70 $17.39 $17.92 $19.05 $20.01 $21.20 $21.50 $22.06 $22.51 $24.28 $20.94
Total Capital		 1,725 1,780 1,842 1,800 1,817 1,640 1,495 1,730 1,511 1,641 1,193
Total Debt		 1,252 1,267 1,310 1,251 1,237 1,021 816 1,053 841 916 485
Total Long-Term Debt		 1,136 1,267 1,310 1,251 1,237 1,021 816 1,053 841 916 485
Net Debt		 1,209 1,231 1,258 1,132 1,187 864 734 901 669 763 359
Capital Expenditures (CapEx)		 -9.12 6.66 9.43 4.23 3.40 2.51 3.68 4.34 5.49 2.31 5.22
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -2.45 0.00
Net Nonoperating Obligations (NNO)		 1,252 1,267 1,310 1,251 1,237 1,021 816 1,053 841 916 485
Total Depreciation and Amortization (D&A)		 13 13 12 14 13 13 6.05 7.61 6.94 9.64 9.41
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.59 $2.24 $1.41 $1.92 $1.44 $1.18 $2.59 $2.50 $0.96 ($1.05) $0.54
Adjusted Weighted Average Basic Shares Outstanding		 28.98M 28.81M 28.63M 28.19M 28.34M 30.95M 30.48M 29.49M 29.07M 33.78M 33.88M
Adjusted Diluted Earnings per Share		 $1.59 $2.24 $1.41 $1.92 $1.44 $1.18 $2.59 $2.50 $0.96 ($1.05) $0.54
Adjusted Weighted Average Diluted Shares Outstanding		 28.98M 28.81M 28.63M 28.19M 28.34M 30.95M 30.48M 29.49M 29.07M 33.78M 33.88M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 28.98M 28.81M 28.63M 28.19M 28.34M 30.95M 30.48M 29.49M 29.07M 33.78M 33.88M
Normalized Net Operating Profit after Tax (NOPAT)		 46 66 41 55 41 35 82 77 29 -34 29
Normalized NOPAT Margin		 27.16% 29.45% 22.40% 30.98% 24.08% 16.83% 32.50% 30.34% 14.21% -27.22% 11.94%
Pre Tax Income Margin		 43.13% 47.20% 36.05% 36.84% 31.11% 21.91% 43.42% 41.34% 19.74% -38.75% 14.45%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.48 1.97 1.08 0.73 0.46 0.65 2.69 1.44 0.18 -0.17 0.14
NOPAT to Interest Expense		 0.93 1.20 0.67 0.61 0.35 0.50 2.02 1.05 0.13 -0.12 0.08
EBIT Less CapEx to Interest Expense		 1.66 1.84 0.92 0.68 0.43 0.62 2.60 1.38 0.15 -0.18 0.12
NOPAT Less CapEx to Interest Expense		 1.11 1.08 0.52 0.57 0.32 0.47 1.92 0.99 0.10 -0.13 0.05
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 40.29% 30.33% 50.96% 41.62% 58.50% 71.56% 32.43% 35.13% 91.61% -83.12% 160.43%
Augmented Payout Ratio		 74.06% 45.52% 73.55% 82.61% 64.94% 82.74% 46.33% 70.54% 131.64% -83.12% 160.43%

Quarterly Metrics And Ratios for Flushing Financial

This table displays calculated financial ratios and metrics derived from Flushing Financial's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 33,776,688.00 33,777,008.00 33,778,438.00 33,778,438.00 33,883,626.00
DEI Adjusted Shares Outstanding		 - - - - - - 33,776,688.00 33,777,008.00 33,778,438.00 33,778,438.00 33,883,626.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - -0.29 0.42 0.31 0.12 0.17
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -32.00% 14.90% -12.74% -2.91% 8.68% -136.99% 27.66% 35.10% 12.90% 397.21% -1.87%
EBITDA Growth		 -62.60% -23.61% -10.71% -30.10% 8.59% -695.41% -154.66% 114.16% 15.71% 115.77% 360.42%
EBIT Growth		 -66.84% -8.31% -8.40% -39.89% 6.56% -711.34% -218.69% 165.36% 19.39% 110.91% 238.14%
NOPAT Growth		 -66.58% -20.98% -8.90% -38.73% 13.67% -721.06% -212.70% 166.87% 17.30% 108.00% 240.50%
Net Income Growth		 -66.58% -20.98% -8.90% -38.73% 13.67% -708.04% -365.91% 166.87% 17.30% 108.18% 159.54%
EPS Growth		 -65.79% -20.00% -7.69% -37.93% 15.38% -689.29% -341.67% 127.78% 0.00% 107.19% 158.62%
Operating Cash Flow Growth		 -48.27% 10.59% 40.21% -15.75% -47.99% -84.23% 210.00% 169.35% 262.04% 140.73% -229.96%
Free Cash Flow Firm Growth		 173.07% 201.07% 7,829.98% -285.91% -72.01% -179.16% -4.27% 253.60% 95.68% 351.42% -92.33%
Invested Capital Growth		 -25.67% -12.66% -14.01% 29.73% -9.27% 8.57% -16.17% -34.08% -20.44% -27.31% -0.93%
Revenue Q/Q Growth		 -1.37% 12.05% -14.97% 3.32% 10.40% -138.14% 393.44% 9.34% -7.74% 0.40% -3.11%
EBITDA Q/Q Growth		 -10.50% -7.42% -36.46% 32.77% 39.02% -607.66% 94.17% 620.18% -24.88% -30.81% -3.68%
EBIT Q/Q Growth		 -9.43% 9.32% -57.49% 42.81% 60.55% -727.19% 91.75% 419.27% -27.77% -42.71% 4.56%
NOPAT Q/Q Growth		 -9.80% 3.37% -54.51% 44.46% 67.34% -664.79% 91.75% 442.10% -26.45% -61.46% 44.88%
Net Income Q/Q Growth		 -9.80% 3.37% -54.51% 44.46% 67.34% -652.94% 80.11% 244.99% -26.45% -61.46% 44.88%
EPS Q/Q Growth		 -10.34% 7.69% -57.14% 50.00% 66.67% -650.00% 82.63% 241.38% -26.83% -60.00% 41.67%
Operating Cash Flow Q/Q Growth		 -8.54% 123.84% -126.79% 253.64% -43.54% -32.11% 86.80% 276.20% -24.11% -54.86% -200.85%
Free Cash Flow Firm Q/Q Growth		 141.79% -61.10% -2.15% -302.00% 136.40% -210.01% 218.35% 224.10% -53.62% 41.35% -96.39%
Invested Capital Q/Q Growth		 9.16% -9.38% -11.24% 47.76% -23.66% 8.43% -31.46% 16.20% -7.87% -0.92% -6.60%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 26.47% 21.87% 16.34% 21.00% 26.45% 0.00% -7.00% 33.29% 27.10% 18.68% 18.57%
EBIT Margin		 22.52% 21.98% 10.99% 15.19% 22.08% 0.00% -10.21% 29.83% 23.35% 13.32% 14.38%
Profit (Net Income) Margin		 16.41% 15.14% 8.10% 11.33% 17.17% 0.00% -16.87% 22.37% 17.84% 6.85% 10.24%
Tax Burden Percent		 72.87% 68.90% 73.72% 74.58% 77.73% 68.53% 165.17% 75.01% 76.38% 51.38% 71.19%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 27.13% 31.10% 26.28% 25.42% 22.27% 0.00% 0.00% 24.99% 23.62% 48.62% 28.81%
Return on Invested Capital (ROIC)		 1.64% 1.88% 1.09% 1.25% 2.14% 0.00% -0.80% 2.09% 2.11% 1.15% 2.18%
ROIC Less NNEP Spread (ROIC-NNEP)		 1.64% 1.88% 1.09% 1.25% 2.14% 0.00% -1.83% 2.09% 2.11% 1.15% 2.18%
Return on Net Nonoperating Assets (RNNOA)		 3.15% 2.65% 1.27% 2.03% 2.96% 0.00% -1.46% 2.92% 2.04% 1.13% 1.30%
Return on Equity (ROE)		 4.78% 4.54% 2.35% 3.29% 5.09% 0.00% -2.25% 5.01% 4.15% 2.28% 3.48%
Cash Return on Invested Capital (CROIC)		 31.03% 15.28% 17.02% -24.46% 11.35% -10.36% 14.23% 39.06% 20.44% 32.96% 4.02%
Operating Return on Assets (OROA)		 0.51% 0.52% 0.25% 0.33% 0.49% 0.00% -0.16% 0.51% 0.41% 0.36% 0.38%
Return on Assets (ROA)		 0.37% 0.36% 0.18% 0.25% 0.38% 0.00% -0.26% 0.38% 0.32% 0.18% 0.27%
Return on Common Equity (ROCE)		 4.78% 4.54% 2.35% 3.29% 5.09% 0.00% -2.25% 5.01% 4.15% 2.28% 3.48%
Return on Equity Simple (ROE_SIMPLE)		 4.62% 0.00% 4.23% 3.75% 3.90% 0.00% -6.38% -5.09% -4.84% 0.00% 4.95%
Net Operating Profit after Tax (NOPAT)		 7.84 8.10 3.68 5.32 8.91 -50 -4.15 14 10 4.03 5.83
NOPAT Margin		 16.41% 15.14% 8.10% 11.33% 17.17% 0.00% -7.15% 22.37% 17.84% 6.85% 10.24%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% -0.12% 1.03% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 52.66% 53.66% 60.73% 57.93% 53.28% 0.00% 49.70% 44.83% 52.42% 54.93% 57.92%
Operating Expenses to Revenue		 76.23% 76.16% 87.71% 83.09% 74.59% 0.00% 102.78% 63.57% 74.03% 82.01% 82.09%
Earnings before Interest and Taxes (EBIT)		 11 12 5.00 7.14 11 -72 -5.93 19 14 7.84 8.19
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 13 12 7.43 9.87 14 -70 -4.06 21 16 11 11
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.53 0.67 0.54 0.57 0.64 0.57 0.57 0.57 0.66 0.70 0.74
Price to Tangible Book Value (P/TBV)		 0.55 0.69 0.55 0.59 0.65 0.59 0.57 0.57 0.66 0.70 0.74
Price to Revenue (P/Rev)		 1.83 2.22 1.85 1.97 2.14 3.33 2.90 2.61 2.91 2.09 2.16
Price to Earnings (P/E)		 11.56 15.60 12.72 15.33 16.29 0.00 0.00 0.00 0.00 26.39 14.88
Dividend Yield		 7.16% 5.69% 7.10% 6.69% 6.04% 6.16% 7.47% 7.41% 6.37% 5.97% 5.81%
Earnings Yield		 8.65% 6.41% 7.86% 6.52% 6.14% 0.00% 0.00% 0.00% 0.00% 3.79% 6.72%
Enterprise Value to Invested Capital (EV/IC)		 0.69 0.74 0.61 0.78 0.66 0.72 0.49 0.65 0.68 0.72 0.69
Enterprise Value to Revenue (EV/Rev)		 5.94 5.53 4.21 7.96 5.07 9.46 3.99 5.54 5.09 3.59 3.24
Enterprise Value to EBITDA (EV/EBITDA)		 22.94 23.86 17.89 37.03 23.46 0.00 0.00 0.00 0.00 19.50 13.17
Enterprise Value to EBIT (EV/EBIT)		 28.27 28.02 20.85 44.51 28.36 0.00 0.00 0.00 0.00 24.82 15.85
Enterprise Value to NOPAT (EV/NOPAT)		 37.52 38.94 29.00 61.82 38.53 0.00 0.00 0.00 0.00 45.38 22.35
Enterprise Value to Operating Cash Flow (EV/OCF)		 35.73 32.28 21.17 41.69 31.32 94.96 21.48 20.42 14.61 14.04 17.04
Enterprise Value to Free Cash Flow (EV/FCFF)		 1.91 4.51 3.33 0.00 5.55 0.00 3.12 1.33 2.94 1.84 17.14
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.50 1.26 1.00 1.98 1.27 1.26 0.60 0.85 0.69 0.68 0.60
Long-Term Debt to Equity		 1.50 1.26 1.00 1.98 1.27 1.26 0.60 0.85 0.69 0.68 0.60
Financial Leverage		 1.92 1.41 1.16 1.63 1.39 1.26 0.80 1.40 0.97 0.98 0.60
Leverage Ratio		 12.82 12.59 12.88 13.16 13.39 12.61 12.98 13.03 13.17 12.38 12.76
Compound Leverage Factor		 12.82 12.59 12.88 13.16 13.39 12.61 12.98 13.03 13.17 12.38 12.76
Debt to Total Capital		 60.03% 55.67% 50.06% 66.43% 55.92% 55.84% 37.49% 45.94% 40.91% 40.64% 37.39%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 60.03% 55.67% 50.06% 66.43% 55.92% 55.84% 37.49% 45.94% 40.91% 40.64% 37.39%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 39.97% 44.33% 49.94% 33.57% 44.08% 44.16% 62.51% 54.06% 59.09% 59.36% 62.61%
Debt to EBITDA		 19.86 17.99 14.63 31.62 19.81 -23.71 -8.41 -15.44 -13.42 11.03 7.11
Net Debt to EBITDA		 15.88 14.30 10.04 27.85 13.54 -19.76 -2.99 -11.58 -9.52 8.16 4.40
Long-Term Debt to EBITDA		 19.86 17.99 14.63 31.62 19.81 -23.71 -8.41 -15.44 -13.42 11.03 7.11
Debt to NOPAT		 32.49 29.35 23.72 52.79 32.53 -27.11 -10.17 -18.09 -15.57 25.67 12.07
Net Debt to NOPAT		 25.97 23.34 16.28 46.50 22.24 -22.60 -3.61 -13.57 -11.05 18.99 7.47
Long-Term Debt to NOPAT		 32.49 29.35 23.72 52.79 32.53 -27.11 -10.17 -18.09 -15.57 25.67 12.07
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 584 227 222 -449 163 -180 213 690 320 452 16
Operating Cash Flow to CapEx		 1,725.75% 1,590.63% -2,170.38% 1,228.50% 975.27% 531.59% 402.59% 1,936.66% 8,016.80% 454.22% -1,152.01%
Free Cash Flow to Firm to Interest Expense		 9.79 3.62 3.31 -6.37 2.12 -2.61 3.35 10.74 5.10 7.49 0.28
Operating Cash Flow to Interest Expense		 0.17 0.37 -0.09 0.14 0.07 0.05 0.11 0.40 0.31 0.15 -0.15
Operating Cash Flow Less CapEx to Interest Expense		 0.16 0.35 -0.10 0.12 0.06 0.04 0.08 0.38 0.31 0.11 -0.17
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.02 0.02 0.02 0.02 0.02 0.01 0.02 0.02 0.02 0.03 0.03
Fixed Asset Turnover		 8.92 9.38 9.36 9.31 9.93 6.37 7.17 8.18 9.00 13.43 13.45
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,668 1,511 1,341 1,982 1,513 1,641 1,124 1,307 1,204 1,193 1,114
Invested Capital Turnover		 0.10 0.12 0.13 0.11 0.12 0.08 0.11 0.09 0.12 0.17 0.21
Increase / (Decrease) in Invested Capital		 -576 -219 -219 454 -155 129 -217 -675 -309 -448 -10
Enterprise Value (EV)		 1,156 1,116 821 1,542 1,002 1,179 547 851 816 857 771
Market Capitalization		 356 447 360 382 424 415 398 401 466 498 513
Book Value per Share		 $23.01 $23.17 $23.04 $22.89 $22.94 $24.92 $20.81 $20.91 $21.06 $20.96 $20.58
Tangible Book Value per Share		 $22.35 $22.51 $22.39 $22.24 $22.29 $24.28 $20.78 $20.89 $21.03 $20.94 $20.56
Total Capital		 1,668 1,511 1,341 1,982 1,513 1,641 1,124 1,307 1,204 1,193 1,114
Total Debt		 1,001 841 671 1,317 846 916 422 600 492 485 416
Total Long-Term Debt		 1,001 841 671 1,317 846 916 422 600 492 485 416
Net Debt		 800 669 461 1,160 578 763 150 450 350 359 258
Capital Expenditures (CapEx)		 0.60 1.46 0.29 0.78 0.55 0.69 1.70 1.33 0.24 1.94 0.77
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 -1.05 5.64 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 1,001 841 671 1,317 846 916 422 600 492 485 416
Total Depreciation and Amortization (D&A)		 1.88 -0.06 2.44 2.73 2.26 2.21 1.87 2.20 2.20 3.15 2.39
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.28 $0.12 $0.18 $0.30 ($1.65) ($0.29) $0.41 $0.30 $0.12 $0.17
Adjusted Weighted Average Basic Shares Outstanding		 0.00 29.07M 29.07M 29.07M 29.07M 33.78M 33.78M 33.78M 33.78M 33.88M 33.88M
Adjusted Diluted Earnings per Share		 $0.00 $0.28 $0.12 $0.18 $0.30 ($1.65) ($0.29) $0.41 $0.30 $0.12 $0.17
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 29.07M 29.07M 29.07M 29.07M 33.78M 33.78M 33.78M 33.78M 33.88M 33.88M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 29.07M 29.07M 29.07M 29.07M 33.78M 33.78M 33.78M 33.78M 33.88M 33.88M
Normalized Net Operating Profit after Tax (NOPAT)		 7.84 8.10 3.68 5.32 8.77 -50 8.19 14 10 4.03 5.83
Normalized NOPAT Margin		 16.41% 15.14% 8.10% 11.33% 16.91% 0.00% 14.11% 22.37% 17.84% 6.85% 10.24%
Pre Tax Income Margin		 22.52% 21.98% 10.99% 15.19% 22.08% 0.00% -10.21% 29.83% 23.35% 13.32% 14.38%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.18 0.19 0.07 0.10 0.15 -1.04 -0.09 0.30 0.22 0.13 0.14
NOPAT to Interest Expense		 0.13 0.13 0.05 0.08 0.12 -0.73 -0.07 0.22 0.17 0.07 0.10
EBIT Less CapEx to Interest Expense		 0.17 0.16 0.07 0.09 0.14 -1.05 -0.12 0.27 0.21 0.10 0.13
NOPAT Less CapEx to Interest Expense		 0.12 0.11 0.05 0.06 0.11 -0.74 -0.09 0.20 0.16 0.03 0.09
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 85.75% 91.61% 92.35% 104.42% 100.17% -83.12% -60.32% -78.26% -84.80% 160.43% 88.16%
Augmented Payout Ratio		 145.44% 131.64% 128.07% 117.53% 109.13% -83.12% -60.32% -78.26% -84.80% 160.43% 88.16%

Financials Breakdown Chart

Key Financial Trends

Flushing Financial (NASDAQ: FFIC) has staged a meaningful turnaround from the weak conditions it faced in late 2024 and early 2025, but the recovery is still uneven. In Q1 2026, the bank returned to profitability with $5.8 million in net income, after a difficult Q1 2025 loss and a very weak Q4 2024. Revenue and net interest income remain pressured versus a year ago, but lower credit costs, better operating performance, and a stabilized balance sheet helped results improve sequentially.

  • Q1 2026 net income was $5.8 million, a clear improvement from the Q1 2025 loss of $9.8 million and a strong rebound from the weak 2024 period.
  • Pre-tax income improved to $8.2 million in Q1 2026 from $4.0 million in Q4 2025 and a loss of $5.9 million in Q1 2025.
  • Provision for credit losses dropped to $2.0 million in Q1 2026 from $2.7 million in Q4 2025 and $4.3 million in Q1 2025, suggesting credit pressure eased.
  • Non-interest income improved sequentially to $1.8 million in Q1 2026 from a loss in Q4 2025, helped by better investment-related results.
  • Total common equity rose to $697.4 million in Q1 2026 from $702.9 million in Q1 2025, while the common equity base remained relatively stable despite volatility in earnings.
  • Interest-bearing deposits increased to $6.58 billion in Q1 2026 from $6.45 billion in Q3 2025, indicating deposit funding remained sizable.
  • Total assets were $8.86 billion in Q1 2026, slightly below the $9.01 billion level in Q1 2025, showing a modest contraction rather than growth.
  • Loan balances have been broadly stable over the last year, with loans and leases at $6.56 billion in Q1 2026 versus $6.74 billion in Q1 2025.
  • The allowance for loan and lease losses increased to $44.5 million in Q1 2026 from $40.0 million in Q1 2025, reflecting a somewhat more conservative reserve posture.
  • Net interest income declined to $55.2 million in Q1 2026 from $52.9 million in Q1 2025, but the bigger issue is that overall margin pressure has persisted across the last four years.
  • Total revenue fell to $57.0 million in Q1 2026 from $58.1 million in Q1 2025 and remains well below earlier periods when FFIC generated stronger profitability.
  • Operating cash flow was negative $8.9 million in Q1 2026, compared with positive $6.9 million in Q1 2025, showing that earnings are not yet translating cleanly into cash.
  • Long-term debt increased to $416.5 million in Q1 2026 from $421.5 million in Q1 2025, but debt and funding swings have remained a recurring feature of the balance sheet.
  • The company still paid a $0.44 quarterly dividend in Q1 2026, which is supported by the latest profit rebound but may warrant monitoring if earnings stay volatile.

Looking at the broader trend, FFIC’s earnings profile has been highly volatile. In 2023, quarterly earnings were generally healthy, with the company producing solid net interest income and regular profits. That changed in 2024, when Q1 2024 included a large impairment charge and Q4 2024 posted a steep loss. Through 2025, results were mixed: Q2 and Q3 showed recovery, but Q1 2025 was still loss-making. The latest quarter suggests the bank is moving in the right direction, but the rebound is not yet strong or consistent enough to call the turnaround complete.

From a balance sheet perspective, the company appears stable but not expanding meaningfully. Cash levels have fluctuated, deposits remain large, and equity has held up around the high-$600 million range. However, the mix of assets and funding has changed enough over the last several quarters to suggest FFIC is still adjusting its positioning after a period of stress. Investors should watch whether net interest income can grow again and whether operating cash flow returns to a sustainable positive trend.

07/26/26 05:16 AM ETAI Generated. May Contain Errors.

Flushing Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Flushing Financial's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Flushing Financial's net income appears to be on a downward trend, with a most recent value of $18.88 million in 2025, falling from $46.21 million in 2015. The previous period was -$31.33 million in 2024. See where experts think Flushing Financial is headed by visiting Flushing Financial's forecast page.

Over the last 10 years, Flushing Financial's total revenue changed from $170.14 million in 2015 to $238.93 million in 2025, a change of 40.4%.

Flushing Financial's total liabilities were at $7.99 billion at the end of 2025, a 4.0% decrease from 2024, and a 52.6% increase since 2015.

In the past 10 years, Flushing Financial's cash and equivalents has ranged from $35.86 million in 2016 to $172.16 million in 2023, and is currently $126.08 million as of their latest financial filing in 2025.

Over the last 10 years, Flushing Financial's book value per share changed from 16.25 in 2015 to 20.96 in 2025, a change of 29.0%.


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Financial statements for NASDAQ:FFIC last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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