Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial - Chart
- Upturn Summary
- Highlights
- Valuation
- About
FFIC 
Flushing Financial Corporation (FFIC)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- 1Y
- 1M
- 1W
Upturn Advisory Summary
02/25/2026: 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 $17.15
1 Year Target Price $17.15
| 0 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 539.10M USD | Price to earnings Ratio 29.56 | 1Y Target Price 17.15 |
Price to earnings Ratio 29.56 | 1Y Target Price 17.15 | ||
Volume (30-day avg) 4 | Beta 0.83 | 52 Weeks Range 10.16 - 17.79 | Updated Date 02/24/2026 |
52 Weeks Range 10.16 - 17.79 | Updated Date 02/24/2026 | ||
Dividends yield (FY) 5.49% | Basic EPS (TTM) 0.54 |
Earnings Date
Report Date 2026-01-27 | When - | Estimate 0.35 | Actual 0.32 |
Profitability
Profit Margin 8.35% | Operating Margin (TTM) 16.22% |
Management Effectiveness
Return on Assets (TTM) 0.21% | Return on Equity (TTM) 2.64% |
Valuation
Trailing PE 29.56 | Forward PE 10.31 | Enterprise Value 951515904 | Price to Sales(TTM) 2.38 |
Enterprise Value 951515904 | Price to Sales(TTM) 2.38 | ||
Enterprise Value to Revenue 4.51 | Enterprise Value to EBITDA - | Shares Outstanding 33778438 | Shares Floating 32160034 |
Shares Outstanding 33778438 | Shares Floating 32160034 | ||
Percent Insiders 4.1 | Percent Institutions 74.76 |
Upturn AI SWOT
Flushing Financial Corporation
Company Overview
History and Background
Flushing Financial Corporation (NASDAQ: FFIC) was founded in 1919 as Flushing Federal Savings and Loan Association. It has evolved into a diversified financial institution focused on serving the New York metropolitan area. A significant milestone was its conversion from a federal savings bank to a federally chartered stock savings bank, and its subsequent initial public offering (IPO) in 1998. Over the years, it has expanded its branch network and product offerings.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products, including commercial real estate loans, small business loans, and lines of credit. Also provides treasury and cash management services for businesses.
- Retail Banking: Provides traditional banking services such as checking and savings accounts, money market accounts, certificates of deposit (CDs), and personal loans. Operates a network of branches to serve individual customers.
- Mortgage Lending: Originates and services residential mortgage loans. This includes conventional mortgages, FHA, and VA loans, catering to homebuyers in its primary service areas.
- Investment and Wealth Management: Through its subsidiary, Flushing Financial Group, it offers investment advisory services, brokerage, and insurance products.
Leadership and Structure
Flushing Financial Corporation is led by a Board of Directors and a management team responsible for strategic direction and operational oversight. Key executives include the Chief Executive Officer (CEO), Chief Financial Officer (CFO), and heads of various business segments and operational departments. The company operates as a one-bank holding company, with Flushing Bank as its sole subsidiary.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: A primary driver of loan growth, focusing on multi-family residential and commercial properties within the New York metropolitan area. Competitors include major regional banks and specialized commercial lenders. Market share data is not publicly disclosed at a granular product level, but this segment is a significant contributor to its loan portfolio.
- Residential Mortgage Loans: Offers a variety of mortgage products to assist individuals in purchasing homes. Competitors include national mortgage lenders, other regional banks, and mortgage brokers. Specific market share is not readily available for this product line but is part of the highly competitive mortgage market.
- Business Checking and Savings Accounts: Provides essential deposit services for small and medium-sized businesses. Competitors include a wide array of financial institutions, from large national banks to smaller community banks.
- Personal Deposit Accounts: Includes checking, savings, and money market accounts for individual customers. Faces competition from all financial institutions offering retail banking services.
Market Dynamics
Industry Overview
The US banking industry, particularly in the New York metropolitan area, is highly competitive and is characterized by a focus on lending (commercial and residential), deposit gathering, and the provision of fee-based services. The industry is influenced by interest rate environments, regulatory changes, technological advancements (fintech), and evolving customer preferences. Community banks like Flushing Financial often focus on personalized service and local market knowledge to differentiate themselves.
Positioning
Flushing Financial Corporation is positioned as a community-focused bank serving the diverse and dynamic New York metropolitan market. Its competitive advantages include its long-standing presence, deep understanding of local market needs, strong customer relationships, and a focus on commercial and multi-family real estate lending. It competes with larger national banks, other regional banks, and smaller community financial institutions.
Total Addressable Market (TAM)
The total addressable market for commercial and retail banking services in the New York metropolitan area is substantial, encompassing trillions of dollars in deposits and loans. Flushing Financial Corporation's TAM is primarily focused on the specific geographic areas it serves, with a significant portion of its lending concentrated in commercial real estate. Its current market share within this vast TAM is modest, reflecting its position as a regional player rather than a national giant. The company aims to capture a larger share within its defined geographic and product niches.
Upturn SWOT Analysis
Strengths
- Strong presence and reputation in the New York metropolitan area.
- Deep understanding of local market dynamics and customer needs.
- Focus on profitable commercial real estate lending.
- Established branch network and customer relationships.
- Experienced management team.
Weaknesses
- Limited geographic diversification compared to larger banks.
- Reliance on specific loan segments (e.g., commercial real estate) can increase concentration risk.
- Smaller scale may limit ability to invest heavily in cutting-edge technology.
- Brand recognition may be less extensive than national competitors.
Opportunities
- Expansion into adjacent geographic markets.
- Growth in fee-based income streams (e.g., wealth management).
- Leveraging technology to enhance customer experience and operational efficiency.
- Acquisition opportunities to expand scale and capabilities.
- Continued demand for commercial real estate financing in its core markets.
Threats
- Rising interest rates impacting loan demand and profitability.
- Increased competition from national banks, online lenders, and fintech companies.
- Economic downturns affecting credit quality and loan origination.
- Stringent regulatory environment for financial institutions.
- Cybersecurity risks and data breaches.
Competitors and Market Share
Key Competitors
- Signature Bank (SBNY - defunct)
- New York Community Bancorp (NYCB)
- Provident Financial Services, Inc. (PFS - now part of Valley National Bancorp)
- Sterling Bancorp (STL - now part of Webster Financial Corporation)
- Apple Bank for Savings
Competitive Landscape
Flushing Financial Corporation's competitive advantages lie in its deep local market penetration and personalized service, particularly for commercial clients. However, it faces significant challenges from larger, more diversified institutions with greater scale, broader product suites, and larger technology budgets. Its disadvantages include smaller brand recognition and less capital for aggressive expansion or technological innovation compared to its larger rivals.
Growth Trajectory and Initiatives
Historical Growth: Historically, Flushing Financial Corporation has experienced growth through organic loan and deposit expansion, as well as strategic acquisitions. Its growth has been closely tied to the economic conditions of the New York metropolitan area. The company has demonstrated resilience and a consistent approach to expanding its balance sheet.
Future Projections: Future projections for Flushing Financial Corporation would depend on analyst estimates which consider interest rate outlooks, economic forecasts for its service areas, and the company's strategic initiatives. Analysts might project moderate loan and deposit growth, with a focus on maintaining profitability through effective asset-liability management. Projections for EPS growth are typical.
Recent Initiatives: Recent initiatives may include digital transformation efforts to improve online and mobile banking services, expansion of its commercial lending team, or optimization of its branch network. The company may also be exploring strategic partnerships or smaller bolt-on acquisitions to enhance its offerings or market reach.
Summary
Flushing Financial Corporation is a well-established community bank with a strong foothold in the New York metropolitan area, particularly in commercial real estate lending. Its core strengths lie in its local market expertise and customer relationships. However, the company faces increasing competition from larger financial institutions and is susceptible to interest rate fluctuations and economic downturns. Continued focus on digital enhancements and prudent lending practices will be crucial for its sustained growth and profitability.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Flushing Financial Corporation Investor Relations
- SEC Filings (10-K, 10-Q)
- Financial News and Analysis Websites
- Industry Reports
Disclaimers:
This information is for informational purposes only and does not constitute financial advice. Market share data is estimated and may not be precise. Past performance is not indicative of future results.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.