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Upturn AI SWOT - About
FFIC 
Flushing Financial Corporation (FFIC)
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Upturn Advisory Summary
08/28/2025: 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 $13.75
1 Year Target Price $13.75
| 0 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -30.41% | Avg. Invested days 38 | 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 462.43M 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 0.86 | 52 Weeks Range 10.46 - 17.72 | Updated Date 08/28/2025 |
52 Weeks Range 10.46 - 17.72 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 6.43% | Basic EPS (TTM) -1.23 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -26.2% | Operating Margin (TTM) 34.85% |
Management Effectiveness
Return on Assets (TTM) -0.4% | Return on Equity (TTM) -5.24% |
Valuation
Trailing PE - | Forward PE 10.31 | Enterprise Value 971005056 | Price to Sales(TTM) 3.37 |
Enterprise Value 971005056 | Price to Sales(TTM) 3.37 | ||
Enterprise Value to Revenue 7.23 | Enterprise Value to EBITDA - | Shares Outstanding 33778400 | Shares Floating 32310765 |
Shares Outstanding 33778400 | Shares Floating 32310765 | ||
Percent Insiders 3.89 | Percent Institutions 74.15 |
Upturn AI SWOT
Flushing Financial Corporation
Company Overview
History and Background
Flushing Financial Corporation, founded in 1929 as a savings and loan association, has grown into a diversified financial services provider primarily serving the New York metropolitan area. It converted to a stock corporation in 1983. Significant milestones include expansions into commercial banking and wealth management.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products, including commercial real estate loans, business loans, and lines of credit, primarily to small and medium-sized businesses.
- Residential Mortgage Lending: Provides residential mortgage loans, including fixed-rate and adjustable-rate mortgages, to individuals and families.
- Retail Banking: Offers deposit accounts, including checking accounts, savings accounts, and certificates of deposit, to consumers.
- Wealth Management: Provides wealth management and financial planning services to individuals and families through its subsidiary, Flushing Financial Consulting, Inc.
Leadership and Structure
John R. Buran serves as Chairman and CEO. The company operates with a traditional hierarchical structure, with various departments reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial real estate loans constitute a significant portion of Flushing Financial's lending portfolio. Market share is regional within the New York metro area and difficult to quantify precisely. Competitors include larger national banks and regional community banks like New York Community Bancorp and Signature Bank (before it was acquired).
- Residential Mortgages: Residential mortgages are another important product, catering to the local market. Market share data is regional, not precisely tracked. Competitors include Chase, Wells Fargo, and other mortgage lenders.
- Business Loans: Business loans offered to smaller business. Revenue from these loans contribute a significant share to their revenue. Competitors include Bank of America, Citibank
Market Dynamics
Industry Overview
The banking industry is currently facing pressures from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. The regional banking sector is also sensitive to economic conditions and real estate market trends in their operating areas.
Positioning
Flushing Financial Corporation is positioned as a community-focused bank, emphasizing personalized service and local market expertise. Its competitive advantages stem from its strong relationships with local businesses and its deep understanding of the New York metropolitan area.
Total Addressable Market (TAM)
The total addressable market for banking services in the New York metropolitan area is estimated to be in the hundreds of billions of dollars. Flushing Financial Corporation's is a small part of the total market.
Upturn SWOT Analysis
Strengths
- Strong local market presence in the New York metropolitan area
- Experienced management team
- Diversified revenue streams
- Solid capital position
Weaknesses
- Geographic concentration
- Smaller size compared to larger national banks
- Sensitivity to interest rate fluctuations
- Higher expenses
Opportunities
- Expansion into new markets within the New York metropolitan area
- Increased demand for commercial real estate loans
- Growing wealth management business
- Opportunities to leverage technology to improve efficiency
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in the New York metropolitan area
- Rising interest rates
- Increased regulatory scrutiny
Competitors and Market Share
Key Competitors
- NYCB
- C
- BAC
- JPM
Competitive Landscape
Flushing Financial faces competition from larger national banks with greater resources and brand recognition. Its advantages lie in its local market expertise and personalized service.
Growth Trajectory and Initiatives
Historical Growth: Flushing Financial's growth has been steady but not explosive, primarily driven by organic expansion and strategic acquisitions.
Future Projections: Future growth depends on economic conditions in the NY metro area and effective management of interest rate risk. Analyst estimates need to be retrieved and inserted here.
Recent Initiatives: Recent initiatives include investments in technology to improve customer service and streamline operations.
Summary
Flushing Financial Corporation is a well-established community bank with a strong presence in the New York metropolitan area. While it faces competition from larger institutions and is sensitive to economic conditions, its local market expertise and diversified revenue streams provide a solid foundation. Management of interest rate risk and strategic investments in technology will be key to future success. More financial data is needed to evaluate the company.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Financial news sources
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data is limited. Financial information is partially incomplete due to inaccessibility. Consult with a financial professional 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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