Flushing Financial Corporation

Flushing Financial Corporation

FFICยทNASDAQ

$15.47

-3.1%
Financial ServicesBanks - Regional

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, demand accounts, NOW accounts, and certificates of deposit. The company also 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. In addition, it offers banking services to public municipalities comprising counties, cities, towns, villages, school districts, libraries, fire districts, and various courts. As of December 31, 2021, the company operated 24 full-service offices located in the New York City boroughs of Queens, Brooklyn, and Manhattan; and in Nassau and Suffolk County, New York, as well as an Internet branch. Flushing Financial Corporation was founded in 1929 and is based in Uniondale, New York.

At a Glance

Live Snapshot
Market Cap$524.18M
EPS0.5400
P/E Ratio28.65
Earnings Date07/23/2026
Flushing Financial Corporation

Flushing Financial Corporation Fair Value Envelope

FFIC ยท NASDAQ

Our analysis suggests that FFIC has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $15.47, this represents a potential HIDDEN relative to our calculated worth for Flushing Financial Corporation.

Intrinsic Value
Current Price: $15.47

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$545.3B
+ Cash & Equivalents$126.1M
Firm Value$545.4B
- Debt$592.3M
Equity Value$544.8B
/ Shares Outstanding33,778,438B
DCF Value$16.1K
UNDERVALUED BY 104166%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$122.0M
$244.1M
$488.2M
$976.3M
$2.0B
$3.9B
$7.8B
$15.6B
$31.2B
$62.5B
Maintenance CapEx
-$2.1M
-$4.2M
-$8.4M
-$16.7M
-$33.4M
-$66.8M
-$133.7M
-$267.3M
-$534.6M
-$1.1B
Owner Earnings
$120.0M
$239.9M
$479.8M
$959.6M
$1.9B
$3.8B
$7.7B
$15.4B
$30.7B
$61.4B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$111.1M
$205.7M
$380.9M
$705.3M
$1.3B
$2.4B
$4.5B
$8.3B
$15.4B
$28.4B
Terminal Value represents 88.7% of Enterprise Value