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FFIC 
Flushing Financial Corporation (FFIC)
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Upturn Advisory Summary
11/14/2025: 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 -35.49% | Avg. Invested days 37 | 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 11/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 518.16M USD | Price to earnings Ratio - | 1Y Target Price 15 |
Price to earnings Ratio - | 1Y Target Price 15 | ||
Volume (30-day avg) 4 | Beta 0.87 | 52 Weeks Range 10.29 - 17.44 | Updated Date 11/16/2025 |
52 Weeks Range 10.29 - 17.44 | Updated Date 11/16/2025 | ||
Dividends yield (FY) 5.83% | Basic EPS (TTM) -1.22 |
Earnings Date
Report Date 2025-10-29 | When After Market | Estimate 0.3 | Actual 0.35 |
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 926068224 | Price to Sales(TTM) 3.6 |
Enterprise Value 926068224 | Price to Sales(TTM) 3.6 | ||
Enterprise Value to Revenue 6.6 | Enterprise Value to EBITDA - | Shares Outstanding 33778438 | Shares Floating 32310765 |
Shares Outstanding 33778438 | Shares Floating 32310765 | ||
Percent Insiders 3.89 | Percent Institutions 73.09 |
Upturn AI SWOT
Flushing Financial Corporation
Company Overview
History and Background
Flushing Financial Corporation was founded in 1929 and is headquartered in Lake Success, New York. It operates as the holding company for Flushing Bank, a New York State-chartered commercial bank. The bank has grown organically and through strategic acquisitions, focusing on serving the needs of consumers, businesses, and municipalities primarily in the New York metropolitan area.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services, including commercial loans, lines of credit, and real estate financing.
- Retail Banking: Offers retail banking services such as checking and savings accounts, mortgages, and consumer loans.
- Small Business Banking: Focuses on providing financial solutions for small businesses, including loans, lines of credit, and deposit accounts.
- Residential Mortgage Lending: Involves mortgage origination for residential properties, catering to the housing market.
Leadership and Structure
John R. Buran serves as the President and CEO. The company operates with a traditional corporate structure with a Board of Directors overseeing the management team.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial Real Estate (CRE) loans are secured by income-producing property, such as office buildings, apartments, shopping centers, and industrial warehouses. They generate a significant portion of Flushing Financial's revenue. While specific market share data is not readily available, the CRE market is highly competitive. Competitors include larger national banks and regional banks with specialized CRE lending divisions, and non-bank lenders.
- Residential Mortgages: Flushing Bank offers a range of residential mortgage products, including fixed-rate and adjustable-rate mortgages. They focus on the New York metropolitan area. Market share data is fragmented, with numerous national and regional lenders competing. Competitors include Chase, Wells Fargo, and local credit unions.
- Commercial Business Loans: Commercial business loans are offered to small and medium-sized businesses, supporting their operations and growth.Competitors are regional and national banks, and non-bank lenders.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from non-bank financial institutions and fintech companies. Regional banks are navigating a complex environment with shifting consumer preferences and economic uncertainty.
Positioning
Flushing Financial Corporation positions itself as a community-focused bank with strong local ties in the New York metropolitan area. Its competitive advantages include its understanding of the local market, its experienced lending team, and its personalized customer service.
Total Addressable Market (TAM)
The TAM for banking services in the New York metropolitan area is estimated to be hundreds of billions of dollars. Flushing Financial Corporation, with its community focus, aims to capture a portion of this market, focusing on small businesses and consumers.
Upturn SWOT Analysis
Strengths
- Strong local presence in the New York metropolitan area
- Experienced management team
- Solid credit quality
- Conservative lending practices
Weaknesses
- Limited geographic diversification
- Higher expense ratio
- Reliance on interest income
- Smaller scale compared to larger national banks
Opportunities
- Expansion into new markets within the New York area
- Increased demand for commercial real estate lending
- Growth in small business banking
- Adoption of new technologies to improve efficiency
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn in the New York area
- Increased regulatory scrutiny
Competitors and Market Share
Key Competitors
- New York Community Bancorp (NYCB)
- Signature Bank (SBNY)
- M&T Bank Corporation (MTB)
Competitive Landscape
Flushing Financial Corporation competes with larger regional and national banks, as well as smaller community banks. Its focus on personalized service and local expertise is a key differentiator.
Major Acquisitions
Empire Bancorp, Inc.
- Year: 2017
- Acquisition Price (USD millions): 63.4
- Strategic Rationale: Expanded Flushing Bank's branch network and market presence in the New York metropolitan area.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by organic growth and strategic acquisitions.
Future Projections: Analyst projections for future growth will depend on economic conditions and company-specific initiatives.
Recent Initiatives: Recent initiatives might include investments in technology, branch expansions, or new product offerings.
Summary
Flushing Financial Corporation is a community-focused bank with a strong local presence in the New York metropolitan area. It has a solid financial track record and a history of paying dividends. However, it faces increasing competition from larger banks and fintech companies. The company should look for opportunities to expand its digital offerings and improve efficiency.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Presentations
- Earnings Call Transcripts
- Third-Party Financial Data Providers (e.g., Yahoo Finance, Bloomberg)
- FDIC Data
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on your own research and due diligence. Market data and analyst estimates are subject to change.
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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