📊 FFIC Key Takeaways
Is Flushing Financial Corp. (FFIC) a Good Investment?
Flushing Financial exhibits critical operational distress with negative operating cash flow (-$8.9M) and negative free cash flow (-$9.7M), indicating the business burns cash from core operations. The interest coverage ratio of 0.1x reveals inability to service debt from operating income, while ROE of 0.8% and ROA of 0.1% are severely below banking sector norms, suggesting fundamental profitability deterioration.
Flushing Financial shows stable bottom-line profitability and positive cash generation, but core profitability remains weak for a bank, with ROE of 2.7% and ROA of 0.2%. Reported revenue and margin figures appear distorted by bank-specific accounting, so the more important takeaway is that earnings have held up, but the underlying return profile and coverage metrics do not yet support a stronger fundamental view.
Why Buy Flushing Financial Corp. Stock? FFIC Key Strengths
- Substantial $8.9B asset base provides established market footprint
- Debt/equity ratio of 0.00x indicates conservative balance sheet leverage
- Net income grew 2.7% YoY despite operational challenges
- Net income remained positive and grew 2.7% year over year despite weak reported revenue trends
- Operating cash flow and reported free cash flow were positive, supporting internal capital generation
- Balance sheet equity of roughly $708M provides a capital buffer relative to earnings volatility
FFIC Stock Risks: Flushing Financial Corp. Investment Risks
- Negative operating cash flow of -$8.9M reveals unsustainable operational cash burn
- Interest coverage of 0.1x indicates inability to cover interest expenses from operating income—critical solvency concern
- Extreme 98.4% revenue collapse and profitability ratios >300% suggest severe operational stress or data integrity issues requiring urgent clarification
- ROE of 2.7% and ROA of 0.2% indicate weak profitability and limited efficiency in deploying capital
- Interest coverage of 0.5x suggests pressure on earnings relative to funding costs
- Reported revenue declined 98.4% year over year, highlighting either severe core income pressure or materially noisy financial presentation
Key Metrics to Watch
- Operating cash flow trend and return to positive generation
- Interest coverage ratio path toward 1.5x+ safety threshold
- Net interest margin (NIM) and return on equity recovery toward 10%+ banking peer norms
- Net interest margin and net interest income trend
- Allowance for credit losses and nonperforming loans
Flushing Financial Corp. (FFIC) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
FFIC Profit Margin, ROE & Profitability Analysis
FFIC vs Finance Sector: How Flushing Financial Corp. Compares
How Flushing Financial Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Flushing Financial Corp. Stock Overvalued? FFIC Valuation Analysis 2026
Based on fundamental analysis, Flushing Financial Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Flushing Financial Corp. Balance Sheet: FFIC Debt, Cash & Liquidity
FFIC Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Flushing Financial Corp.'s revenue has grown significantly by 45% over the 5-year period, indicating strong business expansion. The most recent EPS of $0.96 reflects profitable operations.
FFIC Revenue Growth, EPS Growth & YoY Performance
FFIC Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $1.5M | $5.8M | $0.17 |
| Q3 2025 | $1.8M | $3.7M | $0.30 |
| Q2 2025 | $1.6M | $3.7M | $0.12 |
| Q1 2025 | $1.4M | $3.7M | $0.12 |
| Q3 2024 | $1.8M | $3.7M | $0.26 |
| Q2 2024 | $1.6M | $3.7M | $0.18 |
| Q1 2024 | $1.4M | $3.7M | $0.12 |
| Q3 2023 | $1.4M | $5.2M | $0.32 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Flushing Financial Corp. Dividends, Buybacks & Capital Allocation
FFIC SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Flushing Financial Corp. (CIK: 0000923139)
📋 Recent SEC Filings
❓ Frequently Asked Questions about FFIC
What is the AI rating for FFIC?
Flushing Financial Corp. (FFIC) has a Combined AI Rating of SELL from Claude (STRONG SELL) and ChatGPT (HOLD) with 70% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are FFIC's key strengths?
Claude: Substantial $8.9B asset base provides established market footprint. Debt/equity ratio of 0.00x indicates conservative balance sheet leverage. ChatGPT: Net income remained positive and grew 2.7% year over year despite weak reported revenue trends. Operating cash flow and reported free cash flow were positive, supporting internal capital generation.
What are the risks of investing in FFIC?
Claude: Negative operating cash flow of -$8.9M reveals unsustainable operational cash burn. Interest coverage of 0.1x indicates inability to cover interest expenses from operating income—critical solvency concern. ChatGPT: ROE of 2.7% and ROA of 0.2% indicate weak profitability and limited efficiency in deploying capital. Interest coverage of 0.5x suggests pressure on earnings relative to funding costs.
What is FFIC's revenue and growth?
Flushing Financial Corp. reported revenue of $1.9M.
Does FFIC pay dividends?
Flushing Financial Corp. pays dividends, with $7.7M distributed to shareholders in the trailing twelve months.
Where can I find FFIC SEC filings?
Official SEC filings for Flushing Financial Corp. (CIK: 0000923139) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is FFIC's EPS?
Flushing Financial Corp. has a diluted EPS of $0.17.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is FFIC a good stock to buy right now?
Based on our AI fundamental analysis in May 2026, Flushing Financial Corp. has a SELL rating with 70% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is FFIC stock overvalued or undervalued?
Valuation metrics for FFIC: ROE of 0.8% (sector avg: 12%), net margin of 312.3% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy FFIC stock in 2026?
Our dual AI analysis gives Flushing Financial Corp. a combined SELL rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is FFIC's free cash flow?
Flushing Financial Corp.'s operating cash flow is $-8.9M, with capital expenditures of $773.0K. FCF margin is -518.1%.
How does FFIC compare to other Finance stocks?
Vs Finance sector averages: Net margin 312.3% (avg: 25%), ROE 0.8% (avg: 12%), current ratio N/A (avg: 1.2).