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Upturn AI SWOT - About
FFIC 
Flushing Financial Corporation (FFIC)
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Upturn Advisory Summary
09/17/2025: 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 -28% | 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 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 468.51M 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 10.29 - 17.44 | Updated Date 09/16/2025 |
52 Weeks Range 10.29 - 17.44 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 6.27% | 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 977422912 | Price to Sales(TTM) 3.42 |
Enterprise Value 977422912 | Price to Sales(TTM) 3.42 | ||
Enterprise Value to Revenue 7.27 | Enterprise Value to EBITDA - | Shares Outstanding 33778400 | Shares Floating 32310765 |
Shares Outstanding 33778400 | Shares Floating 32310765 | ||
Percent Insiders 3.89 | Percent Institutions 73.99 |
Upturn AI SWOT
Flushing Financial Corporation
Company Overview
History and Background
Flushing Financial Corporation was founded in 1929 as Flushing Savings Bank. Over the years, it has evolved from a savings bank to a full-service commercial bank, expanding its product offerings and geographic footprint.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products, including commercial real estate loans, business loans, and lines of credit.
- Retail Banking: Provides deposit accounts, personal loans, and other retail banking services to individuals and small businesses.
- Investment Services: Offers investment advisory services, wealth management, and brokerage services through third-party relationships.
Leadership and Structure
John R. Buran serves as the President and CEO. The company is structured with various departments overseeing commercial lending, retail banking, finance, and operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial real estate loans are a significant portion of Flushing Financial's portfolio. Market share data is not publicly available, but key competitors include regional and national banks like New York Community Bancorp (NYCB) and M&T Bank (MTB). Revenue is hard to track due to bundled offerings. Competition includes local banks and credit unions.
- Multi-Family Loans: Offers loans for multi-family properties. Market share data is not publicly available. Competition is heavy among regional banks in the NYC area. Key competitors include New York Community Bancorp and Signature Bank (SBNY - delisted).
- Small Business Loans: Offers loans targeted at small business owners. Market share data is not publicly available. Competition includes national banks like Bank of America (BAC) and JP Morgan Chase(JPM) and online lenders.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Economic uncertainty also affects the real estate market, and lending practices.
Positioning
Flushing Financial positions itself as a community-focused bank with a strong presence in the New York metropolitan area. Its competitive advantages include its local market knowledge and relationship-based banking approach.
Total Addressable Market (TAM)
The TAM for banking services in the New York metropolitan area is estimated to be several hundred billion dollars. Flushing Financial is positioned to capture a portion of this market through its focus on commercial real estate and small business lending.
Upturn SWOT Analysis
Strengths
- Strong presence in the New York metropolitan area
- Relationship-based banking approach
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic diversification
- Dependence on commercial real estate lending
- Smaller scale compared to larger national banks
- Limited online banking presence in the past.
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Strategic acquisitions
- Growth in small business lending
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
- Real estate downturn
Competitors and Market Share
Key Competitors
- NYCB
- MTB
- BAC
- JPM
Competitive Landscape
Flushing Financial faces competition from larger national banks and smaller regional banks. Its advantage lies in its local market knowledge and strong relationships with customers.
Growth Trajectory and Initiatives
Historical Growth: Flushing Financial's growth has been steady but moderate in recent years, driven by organic loan growth and strategic initiatives.
Future Projections: Analyst estimates suggest moderate growth for Flushing Financial, driven by continued strength in the New York real estate market.
Recent Initiatives: Recent initiatives include investments in digital banking technologies and expansion of its commercial lending team.
Summary
Flushing Financial is a community-focused bank with a strong presence in the New York metropolitan area. Its strengths include its relationship-based banking approach and experienced management team. However, it faces challenges from rising interest rates and increased competition. While FFIC operates in a high competitive market, its limited market share and geographic diversification may be a problem in a potential real estate downturn.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share estimates are approximate and may vary. Financial figures depend upon real-time updated values.
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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