📊 FFIC Key Takeaways
Is FFIC a Good Investment? Thesis Analysis
Flushing Financial demonstrates strong operational cash generation ($55.8M FCF) and improved profitability (Net Income +2.7% YoY), but concerning trends in revenue (-98.4% YoY decline), weak profitability ratios (ROE 2.7%, ROA 0.2%), and deteriorating interest coverage (0.5x) raise serious questions about asset quality and earning sustainability. The extremely high operating and net margins appear anomalous for a regional bank and suggest potential one-time gains or non-recurring items masking underlying operational challenges.
Why Buy FFIC? Key Strengths
- Strong free cash flow generation of $55.8M with positive 748.5% FCF margin demonstrates cash conversion capability
- Zero debt/equity ratio indicates conservative capital structure with no leverage risk
- Stable stockholders equity of $708M provides reasonable capital cushion for a $8.7B asset bank
- Operating cash flow of $61M shows ability to generate liquidity from core operations
FFIC Investment Risks to Consider
- Catastrophic 98.4% revenue decline YoY is highly alarming and suggests loss of significant business segments or accounting changes requiring investigation
- Critically low interest coverage ratio of 0.5x indicates insufficient earnings to cover interest expenses, signaling potential loan loss provisioning or asset quality deterioration
- Extremely weak ROE (2.7%) and ROA (0.2%) well below banking industry standards suggest poor capital efficiency and asset utilization
- Unusually high operating margin (463%) and net margin (253.3%) for a bank suggest non-core or one-time items inflating earnings quality
- 36 Form 4 insider filings in 90 days warrants monitoring for insider selling or unusual trading activity
Key Metrics to Watch
- Net Interest Margin (NIM) trend and loan loss provisions to assess asset quality deterioration
- Revenue stabilization and drivers of 98.4% YoY decline to understand business sustainability
- Interest coverage ratio improvement toward >2.0x to confirm earnings can support obligations
- ROE and ROA progression toward banking peer averages (8-12% ROE, 0.8-1.2% ROA)
- Insider transaction patterns and nature of Form 4 filings for confidence signals
FFIC Financial Metrics
💡 AI Analyst Insight
The 748.5% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
FFIC Profitability Ratios
FFIC vs Finance Sector
How FLUSHING FINANCIAL CORP compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is FFIC Overvalued or Undervalued?
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.
FFIC Balance Sheet & Liquidity
FFIC 5-Year Financial Trend & Growth Analysis
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 Growth Metrics (YoY)
FFIC Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| 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 |
| Q2 2023 | $1.2M | $5.2M | $0.29 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
FFIC Capital Allocation
FFIC SEC 10-K & 10-Q Filing 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 an AI rating of HOLD with 45% confidence, based on fundamental analysis of SEC EDGAR filings.
What are FFIC's key strengths?
Claude: Strong free cash flow generation of $55.8M with positive 748.5% FCF margin demonstrates cash conversion capability. Zero debt/equity ratio indicates conservative capital structure with no leverage risk.
What are the risks of investing in FFIC?
Claude: Catastrophic 98.4% revenue decline YoY is highly alarming and suggests loss of significant business segments or accounting changes requiring investigation. Critically low interest coverage ratio of 0.5x indicates insufficient earnings to cover interest expenses, signaling potential loan loss provisioning or asset quality deterioration.
What is FFIC's revenue and growth?
FLUSHING FINANCIAL CORP reported revenue of $7.5M.
Does FFIC pay dividends?
FLUSHING FINANCIAL CORP pays dividends, with $30.3M 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 $0.54.
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 March 2026, FLUSHING FINANCIAL CORP has a HOLD rating with 45% 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 2.7% (sector avg: 12%), net margin of 253.3% (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 HOLD 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 $61.0M, with capital expenditures of $5.2M. FCF margin is 748.5%.
How does FFIC compare to other Finance stocks?
Vs Finance sector averages: Net margin 253.3% (avg: 25%), ROE 2.7% (avg: 12%), current ratio N/A (avg: 1.2).