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Flushing Financial Corporation (FFIC)
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 206 | 252 | 254 | 202 | 125 | 203 | 238 |
| Operating profit | $m | 35 | 49 | |||||
| Net profit | $m | 35 | 82 | 77 | 29 | -31 | 19 | 35 |
| EPS reported | $ | 0.54 | 1.00 | |||||
| Operating cashflow per share | $ | 1.77 | 1.33 | |||||
| Capex per share | $ | 0.15 | 0.13 | |||||
| FCF per share | $ | 1.62 | 1.21 | |||||
| Free cash flow | $m | 56 | 41 | |||||
| Net debt | $m | 412 | 258 | |||||
| Book value equity | $m | 708 | 697 | |||||
| Book value per share | $ | 20.53 | 20.53 | |||||
| Number of shares | m | 34.49 | 33.98 | |||||
| DPS (TTM paid) | $ | 0.88 | 0.66 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 28.09 | 15.47 | |||||
| P/B LTM | x | 0.74 | 0.75 | |||||
| P/S LTM | x | 2.58 | 2.21 | |||||
| P/FCF LTM | x | 9.38 | 12.79 | |||||
| EV/EBITDA LTM | x | 24.83 | 14.43 | |||||
| EV/Sales LTM | x | 2.18 | 3.29 | |||||
| Earnings Yield LTM | % | 3.56% | 6.46% | |||||
| FCF Yield | % | 10.66% | 7.82% | |||||
| Quality | ||||||||
| ROE | % | 2.67% | 4.89% | |||||
| ROIC | % | 9.29% | 0.39% | |||||
| Operating margin | % | 7.62% | 10.08% | |||||
| Gross margin | % | 41.86% | 47.06% | |||||
| FCF/Sales | % | 12.31% | 8.49% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | - | - | |||||
| Sales Growth YoY | % | +62.35% | +73.01% | |||||
| Net Income Growth YoY | % | - | - | |||||
| FCF Growth | % | +452.36% | +88.22% | |||||
| Operating Profit Growth | % | - | - | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 5.79% | 4.27% | |||||
| Dividend Growth | % | 0.00% | - | |||||
| Payout Ratio | % | 162.62% | 88.52% | |||||
| FCF/Debt | x | 0.09 | 0.09 | |||||
| Net Debt/EBITDA | x | 11.70 | 5.72 | |||||
| EBIT/Net interest | x | 0.14 | 0.20 | |||||
| Net debt/market cap | % | 78.82% | 49.18% | |||||
| Net debt/Equity | x | 0.58 | 0.37 | |||||
| Gross debt/equity | x | 0.84 | 0.67 | |||||
Company overview
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. It offers various deposit products, including checking and savings accounts, money market accounts, non-interest bearing demand accounts, NOW accounts, and certificates of deposit. The company 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. It operates full-service banking offices in Queens, Nassau, Suffolk, Kings, and New York counties; and an internet branch under the iGObanking and BankPurely brands. Flushing Financial Corporation was founded in 1929 and is based in Uniondale, New York.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Flushing Financial Corporation (FFIC)
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. It offers various deposit products, including checking and savings accounts, money market accounts, non-interest bearing demand accounts, NOW accounts, and certificates of deposit. The company 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. It operates full-service banking offices in Queens, Nassau, Suffolk, Kings, and New York counties; and an internet branch under the iGObanking and BankPurely brands. Flushing Financial Corporation was founded in 1929 and is based in Uniondale, New York.
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