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Earnings transcript
Read the complete earnings call transcript.
FFIC
Flushing Financial Corporation
$15.58
0.15
(0.97%)
| Exchange: | NASDAQ |
| Market Cap: | 527.906M |
| Shares Outstanding: | 27.031M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | John R. Buran | |||||
| Full Time Employees: | 571 | |||||
| Address: |
| |||||
| Website: | https://www.flushingbank.com |
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, demand accounts, NOW accounts, and certificates of deposit. The company also 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. In addition, it offers banking services to public municipalities comprising counties, cities, towns, villages, school districts, libraries, fire districts, and various courts. As of December 31, 2021, the company operated 24 full-service offices located in the New York City boroughs of Queens, Brooklyn, and Manhattan; and in Nassau and Suffolk County, New York, as well as an Internet branch. Flushing Financial Corporation was founded in 1929 and is based in Uniondale, New York.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 424,065 | 408,091 | 453,218 |
| Gross Profit | 191,222 | 115,172 | 189,733 |
| EBITDA | 46,278 | -42,123 | 39,858 |
| Operating Income | 39,833 | -48,267 | 34,519 |
| Net Income | 28,664 | -31,333 | 18,880 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 8,537,236 | 9,038,972 | 8,693,302 |
| Total Liabilities | 7,867,399 | 8,314,433 | 7,985,327 |
| Total Stockholders Equity | 669,837 | 724,539 | 707,975 |
| Total Debt | 882,103 | 962,497 | 592,337 |
| Cash and Cash Equivalents | 124,212 | 109,409 | 126,076 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 34,585 | 12,412 | 61,020 |
| Capital Expenditure | -5,488 | -2,310 | -5,221 |
| Free Cash Flow | 29,097 | 10,102 | 55,799 |
| Net Income | 28,664 | -31,333 | 18,880 |
| Net Change in Cash | 20,403 | -19,583 | -26,498 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 264,103 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 264,103 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 264,103 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 43,894.370 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 43,894.370 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 43,894.370 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 54,498.941 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 54,498.941 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 54,498.941 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 67,519.467 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 67,519.467 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 67,519.467 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 1.580 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 1.580 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 1.580 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 1 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
Strengths (preview)
- Strong Financial Performance in Q2 2025: Based on the earnings call transcript, FFIC reported robust financial results for Q2 2025, with key metrics indicating solid profitability. This performance underscores the company's ability to maintain financial stability amidst varying economic conditions.
- Credit Discipline: The earnings call highlighted FFIC's focus on credit discipline, which supports asset quality and reduces risk exposure. This conservative approach to lending is a key strength in maintaining investor confidence.
- Positive Operating Cash Flow: Analysis of cash flow statements reveals consistent net cash provided by operating activities, reflecting operational efficiency and the ability to generate cash internally to fund growth or dividends.
- Dividend Yield: The key metrics show a competitive dividend yield (TTM), providing an attractive return to shareholders and positioning FFIC as a reliable income stock for investors.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates FFIC intrinsic value between $4.85 – $4.96 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about FFIC valuation
Is Flushing Financial Corporation (FFIC) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Flushing Financial Corporation (FFIC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is FFIC a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether FFIC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is FFIC’s P/E ratio?
You can see FFIC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for FFIC?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is FFIC a good long-term investment?
Whether FFIC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
FFIC
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0.97
Trading Metrics:
| Open: | 15.15 | Previous Close: | 15.43 | |
| Day Low: | 15.14 | Day High: | — | |
| Year Low: | Year High: | |||
| Price Avg 50: | Price Avg 200: | |||
| Volume: | Average Volume: |
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