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Upturn AI SWOT - About
Flushing Financial Corporation (FFIC)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
05/27/2025: 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
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Year Target Price $13.75
Year Target Price $13.75
| 0 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -33% | Avg. Invested days 36 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 05/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 401.27M USD | Price to earnings Ratio - | 1Y Target Price 13.75 |
Price to earnings Ratio - | 1Y Target Price 13.75 | ||
Volume (30-day avg) 4 | Beta 0.85 | 52 Weeks Range 10.46 - 17.72 | Updated Date 06/30/2025 |
52 Weeks Range 10.46 - 17.72 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 7.39% | Basic EPS (TTM) -1.46 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -36.13% | Operating Margin (TTM) 25.6% |
Management Effectiveness
Return on Assets (TTM) -0.5% | Return on Equity (TTM) -6.53% |
Valuation
Trailing PE - | Forward PE 10.31 | Enterprise Value 600049856 | Price to Sales(TTM) 3.24 |
Enterprise Value 600049856 | Price to Sales(TTM) 3.24 | ||
Enterprise Value to Revenue 6.32 | Enterprise Value to EBITDA - | Shares Outstanding 33777000 | Shares Floating 32309397 |
Shares Outstanding 33777000 | Shares Floating 32309397 | ||
Percent Insiders 3.89 | Percent Institutions 74.11 |
Analyst Ratings
Rating 2 | Target Price 13.75 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Flushing Financial Corporation
Company Overview
History and Background
Flushing Financial Corporation was founded in 1929 as Flushing Savings Bank. It has grown organically and through acquisitions, evolving into a full-service commercial bank serving the New York metropolitan area.
Core Business Areas
- Commercial Banking: Offers a variety of lending and deposit products to businesses, including commercial real estate loans, commercial and industrial loans, and small business loans. Includes commercial and industrial lending, CRE lending, SBA lending, and community development activities.
- Retail Banking: Provides deposit accounts, residential mortgages, and other consumer financial services to individuals and families.
- Investment Services: Offers investment advisory and wealth management services.
Leadership and Structure
John R. Buran serves as the Chairman, President, and CEO. The company has a board of directors and operates through various departments, including lending, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: CRE loans are a significant portion of their lending portfolio. Market share data is not publicly available. Competitors include regional banks like New York Community Bancorp (NYCB) and Signature Bank (SBNY).
- Residential Mortgages: Provides residential mortgage loans to individuals. Market share data is not publicly available. Competitors include large national banks and mortgage lenders.
- Commercial and Industrial (C&I) Loans: C&I loans cater to businesses for operational needs. Market share data is not publicly available. Competitors include regional banks like New York Community Bancorp (NYCB) and Signature Bank (SBNY).
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive, influenced by interest rates, economic conditions, and regulatory changes. Community banks face increasing pressure from larger institutions and fintech companies.
Positioning
Flushing Financial is a regional bank focused on the New York metropolitan area. Its competitive advantages include its local market knowledge, customer relationships, and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in the New York metropolitan area is substantial, estimated to be in the hundreds of billions of dollars. Flushing Financial is positioned to capture a share of this market by focusing on its niche strengths and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Established customer relationships
- Experienced management team
- Solid credit quality
Weaknesses
- Limited geographic diversification
- Dependence on commercial real estate lending
- Smaller scale compared to larger competitors
- Higher cost of deposits compared to larger competitors
Opportunities
- Expansion into new markets within the New York metropolitan area
- Increased focus on digital banking services
- Acquisition of smaller community banks
- Growth in wealth management business
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn in the New York metropolitan area
- Regulatory changes
Competitors and Market Share
Key Competitors
- NYCB
- MTB
- CUBI
- BOH
Competitive Landscape
Flushing Financial competes with larger national and regional banks, as well as smaller community banks. It differentiates itself through its local market expertise and customer service.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been moderate, driven by organic growth and acquisitions.
Future Projections: Future growth projections are subject to market conditions and analyst expectations.
Recent Initiatives: Recent initiatives include investment in digital banking technology and expansion into new markets.
Summary
Flushing Financial is a regional bank with strong local ties, but it faces challenges from larger competitors and a reliance on commercial real estate. While its experienced management and focus on customer service are strengths, it needs to diversify its loan portfolio and embrace digital transformation to maintain a competitive edge. Economic conditions and regulatory changes could pose risks. The company's moderate size limits its market expansion and financial diversification opportunities.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Market research reports
- Analyst estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly.
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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