Flushing Financial Corporation Logo

Flushing Financial Corporation

FFIC

(2.5)
Stock Price

15,42 USD

0.39% ROA

4.27% ROE

14.13x PER

Market Cap.

459.872.186,00 USD

162.47% DER

5.53% Yield

10.87% NPM

Flushing Financial Corporation Stock Analysis

Flushing Financial Corporation Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Flushing Financial Corporation Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.63x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

3 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

4 ROE

ROE in an average range (4.97%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (0.39%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

7 Buffet Intrinsic Value

The company's stock seems undervalued (93) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

8 DER

The company has a high debt to equity ratio (156%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

9 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

10 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

11 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

Flushing Financial Corporation Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Flushing Financial Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Flushing Financial Corporation Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Flushing Financial Corporation Revenue
Year Revenue Growth
1996 30.500.000
1997 34.800.000 12.36%
1998 39.400.000 11.68%
1999 43.200.000 8.8%
2000 43.751.000 1.26%
2001 48.255.000 9.33%
2002 53.851.000 10.39%
2003 66.448.000 18.96%
2004 72.434.000 8.26%
2005 74.857.000 3.24%
2006 77.499.000 3.41%
2007 81.191.000 4.55%
2008 94.697.000 14.26%
2009 125.741.000 24.69%
2010 148.206.000 15.16%
2011 159.634.000 7.16%
2012 159.504.000 -0.08%
2013 155.219.000 -2.76%
2014 152.630.000 -1.7%
2015 163.602.000 6.71%
2016 176.604.000 7.36%
2017 183.519.000 3.77%
2018 176.629.000 -3.9%
2019 171.411.000 -3.04%
2020 206.206.000 16.87%
2021 251.656.000 18.06%
2022 253.625.000 0.78%
2023 191.612.000 -32.36%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Flushing Financial Corporation Research and Development Expenses
Year Research and Development Expenses Growth
1996 0
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Flushing Financial Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
1996 8.300.000
1997 10.200.000 18.63%
1998 12.500.000 18.4%
1999 11.200.000 -11.61%
2000 12.254.000 8.6%
2001 12.679.000 3.35%
2002 13.921.000 8.92%
2003 16.011.000 13.05%
2004 18.403.000 13%
2005 17.096.000 -7.65%
2006 20.356.000 16.01%
2007 23.564.000 13.61%
2008 26.160.000 9.92%
2009 34.055.000 23.18%
2010 43.670.000 22.02%
2011 47.098.000 7.28%
2012 50.790.000 7.27%
2013 51.841.000 2.03%
2014 55.899.000 7.26%
2015 60.800.000 8.06%
2016 68.182.000 10.83%
2017 69.140.000 1.39%
2018 72.338.000 4.42%
2019 74.512.000 2.92%
2020 85.490.000 12.84%
2021 98.305.000 13.04%
2022 92.227.000 -6.59%
2023 74.948.000 -23.05%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Flushing Financial Corporation EBITDA
Year EBITDA Growth
1996 40.000.000
1997 51.000.000 21.57%
1998 65.700.000 22.37%
1999 70.500.000 6.81%
2000 79.051.000 10.82%
2001 85.838.000 7.91%
2002 84.643.000 -1.41%
2003 92.060.000 8.06%
2004 92.685.000 0.67%
2005 104.375.000 11.2%
2006 128.832.000 18.98%
2007 158.027.000 18.47%
2008 168.368.000 6.14%
2009 159.738.000 -5.4%
2010 149.807.000 -6.63%
2011 139.193.000 -7.63%
2012 123.129.000 -13.05%
2013 118.992.000 -3.48%
2014 130.366.000 8.72%
2015 126.681.000 -2.91%
2016 164.380.000 22.93%
2017 132.444.000 -24.11%
2018 160.869.000 17.67%
2019 59.261.000 -171.46%
2020 51.394.000 -15.31%
2021 115.703.000 55.58%
2022 184.337.000 37.23%
2023 57.496.000 -220.61%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Flushing Financial Corporation Gross Profit
Year Gross Profit Growth
1996 30.500.000
1997 34.800.000 12.36%
1998 39.400.000 11.68%
1999 43.200.000 8.8%
2000 43.751.000 1.26%
2001 48.255.000 9.33%
2002 53.851.000 10.39%
2003 66.448.000 18.96%
2004 72.434.000 8.26%
2005 68.191.000 -6.22%
2006 69.071.000 1.27%
2007 72.448.000 4.66%
2008 84.797.000 14.56%
2009 116.547.000 27.24%
2010 139.012.000 16.16%
2011 151.390.000 8.18%
2012 159.504.000 5.09%
2013 144.585.000 -10.32%
2014 141.180.000 -2.41%
2015 148.484.000 4.92%
2016 159.864.000 7.12%
2017 168.330.000 5.03%
2018 161.394.000 -4.3%
2019 156.474.000 -3.14%
2020 189.571.000 17.46%
2021 230.828.000 17.87%
2022 232.197.000 0.59%
2023 166.908.000 -39.12%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Flushing Financial Corporation Net Profit
Year Net Profit Growth
1996 6.700.000
1997 8.500.000 21.18%
1998 10.200.000 16.67%
1999 12.700.000 19.69%
2000 12.422.000 -2.24%
2001 14.929.000 16.79%
2002 16.263.000 8.2%
2003 21.678.000 24.98%
2004 22.649.000 4.29%
2005 23.542.000 3.79%
2006 21.639.000 -8.79%
2007 20.185.000 -7.2%
2008 22.259.000 9.32%
2009 25.561.000 12.92%
2010 38.835.000 34.18%
2011 35.348.000 -9.86%
2012 34.331.000 -2.96%
2013 37.752.000 9.06%
2014 44.239.000 14.66%
2015 46.209.000 4.26%
2016 64.916.000 28.82%
2017 41.121.000 -57.87%
2018 55.090.000 25.36%
2019 41.279.000 -33.46%
2020 34.674.000 -19.05%
2021 81.793.000 57.61%
2022 76.945.000 -6.3%
2023 37.596.000 -104.66%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Flushing Financial Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1996 0
1997 0 0%
1998 0 0%
1999 1 0%
2000 0 0%
2001 1 0%
2002 1 0%
2003 1 100%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 100%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 2 0%
2016 2 50%
2017 1 -100%
2018 2 0%
2019 1 0%
2020 1 0%
2021 3 50%
2022 3 0%
2023 1 -100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Flushing Financial Corporation Free Cashflow
Year Free Cashflow Growth
1996 12.600.000
1997 8.200.000 -53.66%
1998 19.000.000 56.84%
1999 16.200.000 -17.28%
2000 13.000.000 -24.62%
2001 14.882.000 12.65%
2002 24.258.000 38.65%
2003 26.610.000 8.84%
2004 26.627.000 0.06%
2005 24.310.000 -9.53%
2006 21.976.000 -10.62%
2007 22.226.000 1.12%
2008 28.064.000 20.8%
2009 25.337.000 -10.76%
2010 64.181.000 60.52%
2011 60.159.000 -6.69%
2012 69.807.000 13.82%
2013 73.626.000 5.19%
2014 53.051.000 -38.78%
2015 33.641.000 -57.7%
2016 35.740.000 5.87%
2017 74.092.000 51.76%
2018 71.894.000 -3.06%
2019 59.557.000 -20.71%
2020 68.766.000 13.39%
2021 84.918.000 19.02%
2022 81.413.000 -4.31%
2023 9.787.000 -731.85%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Flushing Financial Corporation Operating Cashflow
Year Operating Cashflow Growth
1996 13.200.000
1997 9.700.000 -36.08%
1998 19.900.000 51.26%
1999 17.000.000 -17.06%
2000 14.194.000 -19.77%
2001 15.201.000 6.62%
2002 25.117.000 39.48%
2003 28.833.000 12.89%
2004 29.292.000 1.57%
2005 25.543.000 -14.68%
2006 30.338.000 15.81%
2007 25.537.000 -18.8%
2008 29.341.000 12.96%
2009 28.024.000 -4.7%
2010 67.187.000 58.29%
2011 64.720.000 -3.81%
2012 71.097.000 8.97%
2013 74.435.000 4.48%
2014 57.376.000 -29.73%
2015 44.730.000 -28.27%
2016 42.395.000 -5.51%
2017 83.526.000 49.24%
2018 77.303.000 -8.05%
2019 63.770.000 -21.22%
2020 71.278.000 10.53%
2021 88.598.000 19.55%
2022 85.755.000 -3.32%
2023 10.389.000 -725.44%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Flushing Financial Corporation Capital Expenditure
Year Capital Expenditure Growth
1996 600.000
1997 1.500.000 60%
1998 900.000 -66.67%
1999 800.000 -12.5%
2000 1.194.000 33%
2001 319.000 -274.29%
2002 859.000 62.86%
2003 2.223.000 61.36%
2004 2.665.000 16.59%
2005 1.233.000 -116.14%
2006 8.362.000 85.25%
2007 3.311.000 -152.55%
2008 1.277.000 -159.28%
2009 2.687.000 52.47%
2010 3.006.000 10.61%
2011 4.561.000 34.09%
2012 1.290.000 -253.57%
2013 809.000 -59.46%
2014 4.325.000 81.29%
2015 11.089.000 61%
2016 6.655.000 -66.63%
2017 9.434.000 29.46%
2018 5.409.000 -74.41%
2019 4.213.000 -28.39%
2020 2.512.000 -67.71%
2021 3.680.000 31.74%
2022 4.342.000 15.25%
2023 602.000 -621.26%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Flushing Financial Corporation Equity
Year Equity Growth
1996 133.300.000
1997 136.400.000 2.27%
1998 132.100.000 -3.26%
1999 118.200.000 -11.76%
2000 126.737.000 6.74%
2001 133.387.000 4.99%
2002 131.386.000 -1.52%
2003 146.762.000 10.48%
2004 160.653.000 8.65%
2005 176.467.000 8.96%
2006 218.415.000 19.21%
2007 233.654.000 6.52%
2008 301.492.000 22.5%
2009 360.144.000 16.29%
2010 390.045.000 7.67%
2011 416.911.000 6.44%
2012 442.365.000 5.75%
2013 432.532.000 -2.27%
2014 456.247.000 5.2%
2015 473.067.000 3.56%
2016 513.853.000 7.94%
2017 532.608.000 3.52%
2018 549.464.000 3.07%
2019 579.672.000 5.21%
2020 618.997.000 6.35%
2021 679.628.000 8.92%
2022 677.157.000 -0.36%
2023 669.141.000 -1.2%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Flushing Financial Corporation Assets
Year Assets Growth
1996 775.300.000
1997 1.088.500.000 28.77%
1998 1.142.100.000 4.69%
1999 1.249.500.000 8.6%
2000 1.338.092.000 6.62%
2001 1.487.529.000 10.05%
2002 1.652.958.000 10.01%
2003 1.910.751.000 13.49%
2004 2.058.044.000 7.16%
2005 2.353.208.000 12.54%
2006 2.836.521.000 17.04%
2007 3.354.519.000 15.44%
2008 3.949.471.000 15.06%
2009 4.143.246.000 4.68%
2010 4.324.745.000 4.2%
2011 4.287.949.000 -0.86%
2012 4.451.416.000 3.67%
2013 4.721.501.000 5.72%
2014 5.077.013.000 7%
2015 5.704.634.000 11%
2016 6.058.487.000 5.84%
2017 6.299.274.000 3.82%
2018 6.834.176.000 7.83%
2019 7.017.776.000 2.62%
2020 7.976.394.000 12.02%
2021 8.045.911.000 0.86%
2022 8.422.946.000 4.48%
2023 8.577.283.000 1.8%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Flushing Financial Corporation Liabilities
Year Liabilities Growth
1996 642.000.000
1997 952.100.000 32.57%
1998 1.010.000.000 5.73%
1999 1.131.300.000 10.72%
2000 1.211.355.000 6.61%
2001 1.354.142.000 10.54%
2002 1.521.572.000 11%
2003 1.763.989.000 13.74%
2004 1.897.391.000 7.03%
2005 2.176.741.000 12.83%
2006 2.618.106.000 16.86%
2007 3.120.865.000 16.11%
2008 3.647.979.000 14.45%
2009 3.783.102.000 3.57%
2010 3.934.700.000 3.85%
2011 3.871.038.000 -1.64%
2012 4.009.051.000 3.44%
2013 4.288.969.000 6.53%
2014 4.620.766.000 7.18%
2015 5.231.567.000 11.68%
2016 5.544.634.000 5.65%
2017 5.766.666.000 3.85%
2018 6.284.712.000 8.24%
2019 1.286.598.000 -388.48%
2020 1.079.995.000 -19.13%
2021 869.699.000 -24.18%
2022 7.745.789.000 88.77%
2023 1.044.077.000 -641.88%

Flushing Financial Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
6.57
Net Income per Share
1.13
Price to Earning Ratio
14.13x
Price To Sales Ratio
2.36x
POCF Ratio
14.6
PFCF Ratio
16.77
Price to Book Ratio
0.71
EV to Sales
6.68
EV Over EBITDA
13.94
EV to Operating CashFlow
40.27
EV to FreeCashFlow
47.52
Earnings Yield
0.07
FreeCashFlow Yield
0.06
Market Cap
0,46 Bil.
Enterprise Value
1,30 Bil.
Graham Number
23.89
Graham NetNet
1.42

Income Statement Metrics

Net Income per Share
1.13
Income Quality
0.97
ROE
0.05
Return On Assets
0
Return On Capital Employed
0.02
Net Income per EBT
0.66
EBT Per Ebit
1.1
Ebit per Revenue
0.15
Effective Tax Rate
0.28

Margins

Sales, General, & Administrative to Revenue
0.42
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.03
Gross Profit Margin
0.93
Operating Profit Margin
0.15
Pretax Profit Margin
0.16
Net Profit Margin
0.11

Dividends

Dividend Yield
0.06
Dividend Yield %
5.53
Payout Ratio
0.79
Dividend Per Share
0.88

Operating Metrics

Operating Cashflow per Share
1.09
Free CashFlow per Share
0.92
Capex to Operating CashFlow
-0.15
Capex to Revenue
-0.03
Capex to Depreciation
-0.76
Return on Invested Capital
0.04
Return on Tangible Assets
0
Days Sales Outstanding
104.12
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
3.51
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.17

Balance Sheet

Cash per Share
35,17
Book Value per Share
22,53
Tangible Book Value per Share
252.97
Shareholders Equity per Share
22.53
Interest Debt per Share
43.16
Debt to Equity
1.62
Debt to Assets
0.13
Net Debt to EBITDA
9.02
Current Ratio
25.55
Tangible Asset Value
7,51 Bil.
Net Current Asset Value
0,06 Bil.
Invested Capital
1.62
Working Capital
1,06 Bil.
Intangibles to Total Assets
0
Average Receivables
0,05 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
2.36

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Flushing Financial Corporation Dividends
Year Dividends Growth
1997 0
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%

Flushing Financial Corporation Profile

About Flushing Financial Corporation

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.

CEO
Mr. John R. Buran
Employee
549
Address
220 RXR Plaza
Uniondale, 11556

Flushing Financial Corporation Executives & BODs

Flushing Financial Corporation Executives & BODs
# Name Age
1 Mr. John R. Buran
President, Chief Executive Officer & Director
70
2 Ms. Maria A. Grasso
Senior EVice President, Chief Operating Officer & Corporate Secretary
70
3 Mr. Michael Bingold
Senior EVice President and Chief Retail & Client Development Officer
70
4 Mr. Allen M. Brewer
Senior Executive Vice President & Chief Information Officer
70
5 Mr. Albert H. Savastano
Senior Vice President & Director of Investor Relations
70
6 Ms. Susan K. Cullen
Senior EVice President, Treasurer & Chief Financial Officer
70
7 Mr. Francis W. Korzekwinski
Senior EVice President & Chief of Real Estate Lending
70
8 Mr. Douglas Liang
Senior Vice President & Chief Investment Officer
70
9 Ms. Astrid Burrowes
Executive Vice President, Chief Accounting Officer & Controller
70
10 Mr. Yan Nuriyev
Senior Vice President & Chief Technology Officer
70

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