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
3Y+39.0%
5Y+65.0%
10Y+98.0%
3Y-75.0%
5Y-46.0%
10Y-71.0%
3Y-29.0%
5Y-14.0%
10Y+44.0%
Flushing Financial Corporation

Flushing Financial Corporation Profit Bridge

FFIC ยท NASDAQ
Revenue453.22M
Cost of Goods Sold (263.49M)
Gross Profit189.73M
Operating Expenses (155.21M)
Operating Income34.52M
Interest Expense (250.70M)
Other Income/Expense0.00
Pretax Income34.52M
Income Tax (15.64M)
Net Income18.88M
Net Income
18.88M

Profitability Analysis

Gross Margin

41.9%

Strong gross margins indicate healthy pricing and efficient production or service delivery.

Operating Margin

7.6%

Acceptable margins but limited operational leverage. Operating expense control is important.

Net Profit Margin

4.2%

Minimal profitability after all expenses. Limited financial flexibility for reinvestment or shareholder returns.

Effective Tax Rate

45.3%

Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.

Profitability Insight

Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.

Flushing Financial Corporation Income Statement

FFIC โ€ข NASDAQ

Flushing Financial Corporation Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
453.2M
408.1M
424.1M
326.6M
292.2M
275.3M
288.4M
267.4M
245M
228.5M
213.3M
207.4M
210.1M
222.8M
234.8M
237.9M
246.9M
251.2M
203.8M
168.2M
GROSS PROFIT
(263.5M)
(292.9M)
(232.8M)
(78.1M)
(35.6M)
(92.3M)
(119.8M)
(90.2M)
(71.3M)
(53.9M)
(48.8M)
(43.5M)
(68.8M)
(84.3M)
(98.2M)
(112.8M)
(134.8M)
(134.6M)
(122.6M)
(90.7M)
189.7M
115.2M
191.2M
248.5M
256.6M
183.1M
168.6M
177.2M
173.7M
174.6M
164.6M
163.8M
141.3M
138.5M
136.6M
125.2M
112.1M
116.7M
81.2M
77.5M
OPERATING INCOME
(155.2M)
(163.4M)
(151.4M)
(143.7M)
(147.3M)
(137.9M)
(115.3M)
(111.7M)
(107.5M)
(68.6M)
(91.2M)
(91M)
(80.6M)
(82.3M)
(77.7M)
(70.4M)
(70.8M)
(82.4M)
(50.1M)
(42.7M)
(113M)
(97.7M)
(90M)
(86.6M)
(91.3M)
(76.9M)
(74.5M)
(72.3M)
(69.1M)
(68.2M)
(60.8M)
(55.9M)
(51.8M)
(50.8M)
(47.1M)
(43.7M)
(40.5M)
(31.7M)
(23.6M)
(20.4M)
34.5M
-48.3M
39.8M
104.9M
109.3M
45.2M
53.3M
65.5M
66.1M
106M
73.4M
72.8M
60.7M
56.2M
58.8M
54.8M
41.3M
34.3M
31.1M
34.8M
PRE-TAX INCOME
(250.7M)
(283.4M)
(222.3M)
(73M)
(40.6M)
(69.1M)
(117M)
(89.6M)
(61.5M)
(53.9M)
(49.7M)
(49.6M)
(54.9M)
(63.3M)
(76.7M)
(91.8M)
(115.3M)
(129M)
(122.6M)
(90.7M)
217.4M
181.9M
179M
243.6M
247.9M
195.2M
161.9M
167.3M
172.8M
166.6M
153.9M
146.8M
144.8M
149.6M
147M
137M
114.8M
85M
70.9M
67.7M
(42.2M)
(65.7M)
(61.4M)
(57.1M)
(56.1M)
(61M)
(40.8M)
(39.4M)
(38.4M)
(402K)
(30.4M)
(35.1M)
(28.7M)
(31.5M)
(30.6M)
(26.7M)
(30.3M)
(50.7M)
(26.5M)
(22.4M)
34.5M
-48.3M
39.8M
104.9M
109.3M
45.2M
53.3M
65.5M
66.1M
106M
73.4M
72.8M
60.7M
56.2M
58.8M
54.8M
41.3M
34.3M
31.1M
34.8M
NET INCOME
(15.6M)
-16.9M
(11.2M)
(27.9M)
(27.5M)
(10.5M)
(12.1M)
(10.4M)
(25M)
(41.1M)
(27.2M)
(28.6M)
(23M)
(21.8M)
(23.5M)
(15.9M)
(15.8M)
(12.1M)
(10.9M)
(13.1M)
18.9M
-31.3M
28.7M
76.9M
81.8M
34.7M
41.3M
55.1M
41.1M
64.9M
46.2M
44.2M
37.8M
34.3M
35.3M
38.8M
25.6M
22.3M
20.2M
21.6M

SEC Filings

FFIC - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

June 01, 2026
June 01, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 11, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 28, 2026
April 28, 2026
2026
8-K

8-K 2026

N/A

April 27, 2026
April 27, 2026
2026
8-K

8-K 2026

N/A

April 07, 2026
April 02, 2026
2026
10-K/A

10-K/A 2025 FY (Amended)

FY

March 31, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

March 24, 2026
March 24, 2026
2026
10-K

10-K 2025 FY

FY

March 06, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 25, 2026
February 24, 2026
2026
8-K

8-K 2026

N/A

January 27, 2026
January 27, 2026
2026
Showing 1 to 10 of 692 filings