FFIC:NSD-Flushing Financial Corporation (USD)

COMMON STOCK | Banks - Regional |

Last Closing

USD 11.77

Change

-0.20 (-1.67)%

Market Cap

USD 0.43B

Volume

0.24M

Analyst Target

USD 17.67
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

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.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

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Relative Returns (From:    To: 2025-06-05 )

Largest Industry Peers for Banks - Regional

Symbol Name Price(Change) Market Cap
FITB Fifth Third Bancorp

-0.15 (-0.39%)

USD 25.49B
FCNCA First Citizens BancShares Inc

-14.40 (-0.79%)

USD 24.22B
HBAN Huntington Bancshares Incorpor..

N/A

USD 22.77B
FITBI Fifth Third Bancorp

-0.05 (-0.20%)

USD 17.97B
EWBC East West Bancorp Inc

+0.56 (+0.62%)

USD 12.36B
GGAL Grupo Financiero Galicia SA AD..

+0.51 (+0.95%)

USD 9.64B
SSB SouthState Corporation

-0.20 (-0.23%)

USD 9.01B
CBSH Commerce Bancshares Inc

-0.73 (-1.15%)

USD 8.41B
PNFP Pinnacle Financial Partners In..

-0.27 (-0.26%)

USD 8.19B
UMBF UMB Financial Corporation

-0.15 (-0.15%)

USD 7.83B

ETFs Containing FFIC

XRT SPDR® S&P Retail ETF 1.88 % 0.35 %

+0.55 (+0.71%)

N/A
RZV Invesco S&P SmallCap 600.. 1.67 % 0.35 %

+0.08 (+0.71%)

N/A
OPD 1.23 % 0.40 %

N/A

N/A
RETL Direxion Daily Retail Bul.. 1.20 % 1.09 %

+0.16 (+0.71%)

USD 0.04B

Market Performance

  Market Performance vs. Industry/Classification (Banks - Regional) Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -17.58% 8% B- 32% F
Dividend Return 1.54% 69% C- 66% D+
Total Return -16.04% 8% B- 33% F
Trailing 12 Months  
Capital Gain -7.03% 8% B- 43% F
Dividend Return 6.95% 95% A 91% A-
Total Return -0.08% 11% F 49% F
Trailing 5 Years  
Capital Gain -7.54% 19% F 45% F
Dividend Return 34.01% 96% N/A 88% B+
Total Return 26.47% 31% F 55% F
Average Annual (5 Year Horizon)  
Capital Gain 1.58% 33% F 49% F
Dividend Return 6.55% 39% F 58% F
Total Return 4.96% 90% A- 85% B
Risk Return Profile  
Volatility (Standard Deviation) 41.49% 15% F 43% F
Risk Adjusted Return 15.78% 26% F 53% F
Market Capitalization 0.43B 50% F 61% D-

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Underpriced compared to book value

The stock is trading low compared to its peers on a price to book value basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Superior total returns

The stock has outperformed its sector peers on average annual total returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector