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FFIC 
Flushing Financial Corporation (FFIC)
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Upturn Advisory Summary
12/05/2025: FFIC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $15
1 Year Target Price $15
| 0 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -29.69% | Avg. Invested days 39 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 557.34M USD | Price to earnings Ratio - | 1Y Target Price 15 |
Price to earnings Ratio - | 1Y Target Price 15 | ||
Volume (30-day avg) 4 | Beta 0.85 | 52 Weeks Range 10.16 - 16.79 | Updated Date 12/7/2025 |
52 Weeks Range 10.16 - 16.79 | Updated Date 12/7/2025 | ||
Dividends yield (FY) 5.27% | Basic EPS (TTM) -1.22 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -23.91% | Operating Margin (TTM) 27% |
Management Effectiveness
Return on Assets (TTM) -0.38% | Return on Equity (TTM) -4.99% |
Valuation
Trailing PE - | Forward PE 10.31 | Enterprise Value 965251200 | Price to Sales(TTM) 3.87 |
Enterprise Value 965251200 | Price to Sales(TTM) 3.87 | ||
Enterprise Value to Revenue 6.85 | Enterprise Value to EBITDA - | Shares Outstanding 33778438 | Shares Floating 32296916 |
Shares Outstanding 33778438 | Shares Floating 32296916 | ||
Percent Insiders 3.89 | Percent Institutions 73.42 |
Upturn AI SWOT
Flushing Financial Corporation
Company Overview
History and Background
Flushing Financial Corporation (FFIC) was founded in 1929 as Flushing Savings Bank. It transitioned from a mutual savings bank to a stock-holding company in 2001. The company has a long history of serving its local communities, primarily in the New York metropolitan area, focusing on providing a range of banking and financial services.
Core Business Areas
- Community Banking: Flushing Financial Corporation, through its main subsidiary Flushing Bank, offers a full suite of banking products and services to individuals and businesses. This includes deposit accounts (checking, savings, money market, CDs), commercial and residential mortgages, home equity loans, personal loans, and credit cards.
- Treasury Management and Commercial Services: The bank provides specialized services to businesses, including treasury management solutions, commercial lending, and small business administration (SBA) loans. They focus on tailoring these services to meet the specific needs of local businesses.
- Investment and Wealth Management: Flushing Bank offers investment and wealth management services through its affiliates, providing clients with guidance on financial planning, investment strategies, and retirement planning.
Leadership and Structure
Flushing Financial Corporation is led by a Board of Directors and a senior management team. Key figures include the Chairman, President, and CEO, along with heads of various departments such as finance, operations, lending, and risk management. The company operates primarily through its wholly-owned subsidiary, Flushing Bank.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: A significant portion of Flushing Financial's loan portfolio is in commercial real estate. While specific market share data is difficult to pinpoint for individual loan products within a specific region, they are a key player in the New York metropolitan area. Competitors include regional banks, national banks with local branches, and specialized commercial real estate lenders.
- Small Business Administration (SBA) Loans: Flushing Bank is an active participant in the SBA loan program, providing capital to small businesses. This is a competitive market with many banks and credit unions offering similar programs. Market share is regional and dependent on lending volume.
- Deposit Accounts: Traditional deposit products such as checking, savings, and certificates of deposit (CDs) form the core of their funding. They compete with a vast array of financial institutions for customer deposits.
- Residential Mortgages: Flushing Bank offers residential mortgage lending services, including purchase and refinance loans. This is a highly competitive market dominated by large national lenders and smaller regional banks.
Market Dynamics
Industry Overview
The U.S. banking industry is characterized by intense competition, evolving regulatory landscapes, and the ongoing impact of technological advancements. Regional banks like Flushing Financial operate in a more localized market but are still influenced by national economic trends, interest rate policies of the Federal Reserve, and consumer demand for digital banking services. The industry is consolidating, with larger institutions often acquiring smaller ones.
Positioning
Flushing Financial Corporation positions itself as a community-focused bank with a strong presence in the New York metropolitan area. Its competitive advantages lie in its local market knowledge, personalized customer service, and a long-standing reputation within its service regions. They aim to compete with larger banks by offering more tailored solutions and a deeper connection with their customer base.
Total Addressable Market (TAM)
The TAM for commercial banking services in the New York metropolitan area is substantial, encompassing a vast number of businesses and individuals. Flushing Financial Corporation operates within a segment of this TAM, focusing on small to medium-sized businesses and individuals in specific geographic areas. While their direct market share is a fraction of the overall TAM, their strategic focus on niche markets and personalized service allows them to compete effectively within their chosen segments.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge and presence in the New York metropolitan area.
- Established customer relationships and a reputation for personalized service.
- Diversified loan portfolio with a focus on commercial real estate and SBA lending.
- Experienced management team with a deep understanding of the local economy.
- Solid capital base and financial stability.
Weaknesses
- Limited geographic diversification, making it susceptible to regional economic downturns.
- Smaller scale compared to national and larger regional banks, which can limit competitive pricing and technological investment.
- Reliance on traditional banking models, potentially slower adoption of cutting-edge digital innovations.
- Brand recognition may be limited outside its primary service areas.
Opportunities
- Expansion into adjacent geographic markets or new service lines.
- Leveraging technology to enhance digital banking offerings and customer experience.
- Strategic partnerships or acquisitions to broaden reach and capabilities.
- Increased demand for business lending as the economy recovers and grows.
- Capitalizing on the needs of underserved small and medium-sized businesses.
Threats
- Intensifying competition from larger banks, credit unions, and fintech companies.
- Rising interest rates impacting loan demand and net interest margins.
- Economic downturns affecting loan quality and profitability.
- Cybersecurity risks and data breaches.
- Regulatory changes that could increase compliance costs or alter business models.
Competitors and Market Share
Key Competitors
- Provident Bancorp, Inc. (PVBC)
- Apple Hospitality REIT, Inc. (APLE) - While a REIT, it competes for capital and investor attention in a broader financial services context.
- M&T Bank Corporation (MTB)
- Signature Bank (SBNY) - *Note: Signature Bank failed in March 2023 and its assets were acquired by Flagstar Bank. This competitor is listed for historical context of the market landscape.*
- New York Community Bancorp, Inc. (NYCB)
Competitive Landscape
Flushing Financial Corporation faces strong competition from larger, more diversified banks with greater resources and broader geographic reach. Its advantage lies in its deep understanding of the local market, personalized customer service, and agility as a smaller institution. However, it must continually invest in technology and adapt to evolving customer expectations to maintain its competitive edge against larger players and agile fintech disruptors.
Growth Trajectory and Initiatives
Historical Growth: Flushing Financial Corporation has experienced consistent, albeit moderate, growth over the past decade, driven by its core banking operations and expansion within its geographic focus. This growth has been characterized by organic expansion of its loan and deposit portfolios and strategic management of its interest income.
Future Projections: Future growth is anticipated to be driven by continued loan origination, expansion of deposit gathering, and potential strategic initiatives like acquisitions or partnerships. Analyst projections typically focus on earnings growth and the sustainability of its dividend, factoring in interest rate forecasts and economic outlook for the New York region.
Recent Initiatives: Recent initiatives likely include enhancing digital banking capabilities, optimizing operational efficiency, and exploring targeted lending opportunities in sectors poised for growth within its service area. The company may also be evaluating opportunities for strategic alliances or acquisitions to complement its existing business lines.
Summary
Flushing Financial Corporation is a well-established community bank with a strong regional presence and a loyal customer base. Its core strengths lie in its local market expertise and personalized service, which are crucial in its competitive New York metropolitan area. The company's consistent dividend payouts are attractive to income-focused investors. However, it faces significant challenges from larger competitors and the need to adapt to rapid technological changes in the banking sector. Continued investment in digital capabilities and strategic growth initiatives will be key to its future success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Flushing Financial Corporation Investor Relations
- U.S. Securities and Exchange Commission (SEC) filings (10-K, 10-Q)
- Financial data aggregators (e.g., Yahoo Finance, Bloomberg, Refinitiv)
- Industry analysis reports
Disclaimers:
This analysis is based on publicly available information and does not constitute financial advice. Market share data and TAM figures are estimates and can vary based on methodology. Competitor lists and market share comparisons are illustrative and may not encompass the entire competitive landscape. Investors should conduct their own due diligence before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Flushing Financial Corporation
Exchange NASDAQ | Headquaters Uniondale, NY, United States | ||
IPO Launch date 1995-11-21 | President, CEO & Director Mr. John R. Buran | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 571 | Website https://www.flushingbank.com |
Full time employees 571 | 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, 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, New York; and an internet branch under the iGObanking and BankPurely brands. The company was founded in 1929 and is based in Uniondale, New York.
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