CoverageForm 410-K10-Q8-K13D13G13F

FFIC · Flushing Financial Corp - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · FFIC

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue------
Cost of Revenue------
Gross Profit------
R&D------
SG&A------
Total Operating Expenses------
D&A$5.34M$5.73M$5.96M$5.93M$6.42M$6.21M
Operating Income$34.52M($48.27M)$39.83M$104.85M$109.28M$45.18M
Interest Expense--$222.32M$73.01M$40.59M$69.13M
Income Tax$15.64M($16.93M)$11.17M$27.91M$27.48M$10.51M
Net Income$18.88M($31.33M)$28.66M$76.94M$81.79M$34.67M
EPS - Basic$0.54($1.05)$0.96$2.50$2.59$1.18
EPS - Diluted$0.54($1.05)$0.96$2.50$2.59$1.18

Balance Sheet

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash & Equivalents$126.08M$152.57M$172.16M$151.75M$81.70M$157.40M
Accounts Receivable------
Inventory------
Accounts Payable------
Current Assets------
Total Assets$8.69B$9.04B$8.54B$8.42B$8.05B$7.98B
Current Liabilities------
Long-term Debt------
Total Liabilities$7.99B$8.31B$7.87B$7.75B$7.37B$7.36B
Stockholders' Equity$707.98M$724.54M$669.84M$677.16M$679.63M$619.00M
Retained Earnings$480.38M$492.00M$549.68M$547.51M$497.89M$442.79M

Cash Flow

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Operating Cash Flow$61.02M$12.41M$34.59M$85.75M$88.60M$71.28M
Investing Cash Flow$246.53M($505.60M)($94.26M)($351.82M)($106.78M)$93.10M
Financing Cash Flow($334.05M)$473.61M$80.08M$336.09M($57.48M)($56.77M)
CapEx$5.22M$2.31M$5.49M$4.34M$3.68M$2.51M
Free Cash Flow$55.80M$10.10M$29.10M$81.41M$84.92M$68.77M

Ratios

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin------
Operating margin------
EBITDA margin------
Net margin------
Free cash flow margin------
FCF / Net income2.96-0.321.021.061.041.98
R&D / Revenue------
SG&A / Revenue------
Effective tax rate45.3%-28.0%26.6%25.2%23.3%
Return on assets0.2%-0.3%0.3%0.9%1.0%0.4%
Return on equity2.7%-4.3%4.3%11.4%12.0%5.6%
Return on invested capital------
Liquidity
Current ratio------
Quick ratio------
Cash ratio------
Leverage
Debt / Equity------
Debt / Assets------
Debt / EBITDA------
Interest coverage--0.2x1.4x2.7x0.7x
Equity multiplier12.2812.4812.7512.4411.8412.89
Liabilities / Assets0.920.920.920.920.920.92
Efficiency
Asset turnover------
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E28.1x-17.2x7.8x9.4x14.1x
P / B-0.6x0.7x0.9x1.1x0.8x
P / S------
EV / EBITDA--7.0x4.0x5.9x6.4x
Growth
Revenue growth (YoY)------
Revenue CAGR (3y)------
Revenue CAGR (5y)------
Gross profit growth (YoY)------
Operating income growth (YoY)---62.0%-4.1%141.9%-15.3%
Net income growth (YoY)---62.7%-5.9%135.9%-16.0%
EPS growth (YoY)---61.6%-3.5%119.5%-18.1%
EPS CAGR (3y)-40.0%--6.6%20.2%10.5%-5.8%
EPS CAGR (5y)-14.5%--12.9%12.1%2.9%-5.8%
FCF growth (YoY)452.4%-65.3%-64.3%-4.1%23.5%15.5%
FCF CAGR (5y)-4.1%-29.9%-16.5%1.9%18.9%15.4%
Book value growth (YoY)-2.3%8.2%-1.1%-0.4%9.8%6.8%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

4/9
Neutral
  • Net income positive
  • Operating cash flow positive
  • ROA improved YoY
  • Cash flow > net income
  • -Long-term debt decreased
  • -Current ratio improved
  • -No share dilution
  • -Gross margin improved
  • -Asset turnover improved

Peer comparison

Same SIC group: State Commercial Banks

CompanyRevenue (last FY)Net marginROE
ASB--9.5%
CZNC$5.98M392.0%6.9%
SBSI--8.2%
CBSH--14.9%
BUSE$719.58M18.8%5.5%

Comparing FLUSHING FINANCIAL CORP against the 5 most active filers in the same SIC group.

Dividends

$1.10/share trailing 12 months · +25.0% YoY

Ex-datePer share
Apr 10, 2026$0.2200
Mar 13, 2026$0.2200
Dec 5, 2025$0.2200
Sep 5, 2025$0.2200
Jun 13, 2025$0.2200
Mar 14, 2025$0.2200
Dec 6, 2024$0.2200
Sep 6, 2024$0.2200
Jun 10, 2024$0.2200
Mar 8, 2024$0.2200
Dec 7, 2023$0.2200
Sep 7, 2023$0.2200
Jun 1, 2023$0.2200
Mar 9, 2023$0.2200
Dec 8, 2022$0.2200
Sep 1, 2022$0.2200
Jun 2, 2022$0.2200
Mar 10, 2022$0.2200
Dec 9, 2021$0.2100
Sep 2, 2021$0.2100
Jun 3, 2021$0.2100
Mar 11, 2021$0.2100
Dec 8, 2020$0.2100
Sep 10, 2020$0.2100