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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.04
FFIC's Cash to Debt is ranked lower than
98% of the 1599 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.98 vs. FFIC: 0.04 )
Ranked among companies with meaningful Cash to Debt only.
FFIC' s Cash to Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.04 Max: 0.68
Current: 0.04
0.02
0.68
Equity to Asset 0.09
FFIC's Equity to Asset is ranked lower than
61% of the 1608 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. FFIC: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
FFIC' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.09 Max: 0.17
Current: 0.09
0.06
0.17
Interest Coverage 1.89
FFIC's Interest Coverage is ranked higher than
54% of the 1529 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.67 vs. FFIC: 1.89 )
Ranked among companies with meaningful Interest Coverage only.
FFIC' s Interest Coverage Range Over the Past 10 Years
Min: 0.25  Med: 0.69 Max: 1.89
Current: 1.89
0.25
1.89
F-Score: 5
M-Score: -2.39
WACC vs ROIC
6.16%
3.76%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 48.31
FFIC's Operating margin (%) is ranked higher than
81% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.83 vs. FFIC: 48.31 )
Ranked among companies with meaningful Operating margin (%) only.
FFIC' s Operating margin (%) Range Over the Past 10 Years
Min: 32.87  Med: 37.9 Max: 48.31
Current: 48.31
32.87
48.31
Net-margin (%) 29.88
FFIC's Net-margin (%) is ranked higher than
70% of the 1619 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.44 vs. FFIC: 29.88 )
Ranked among companies with meaningful Net-margin (%) only.
FFIC' s Net-margin (%) Range Over the Past 10 Years
Min: 20.33  Med: 24.59 Max: 29.88
Current: 29.88
20.33
29.88
ROE (%) 12.69
FFIC's ROE (%) is ranked higher than
74% of the 1619 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.54 vs. FFIC: 12.69 )
Ranked among companies with meaningful ROE (%) only.
FFIC' s ROE (%) Range Over the Past 10 Years
Min: 6.38  Med: 8.85 Max: 12.69
Current: 12.69
6.38
12.69
ROA (%) 1.07
FFIC's ROA (%) is ranked higher than
63% of the 1627 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. FFIC: 1.07 )
Ranked among companies with meaningful ROA (%) only.
FFIC' s ROA (%) Range Over the Past 10 Years
Min: 0.61  Med: 0.82 Max: 1.07
Current: 1.07
0.61
1.07
Revenue Growth (3Y)(%) 3.70
FFIC's Revenue Growth (3Y)(%) is ranked higher than
52% of the 1340 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.30 vs. FFIC: 3.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FFIC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -1  Med: 5.5 Max: 22.4
Current: 3.7
-1
22.4
EBITDA Growth (3Y)(%) 10.30
FFIC's EBITDA Growth (3Y)(%) is ranked higher than
64% of the 1229 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.90 vs. FFIC: 10.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FFIC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -7.1  Med: 7.6 Max: 29.2
Current: 10.3
-7.1
29.2
EPS Growth (3Y)(%) 12.10
FFIC's EPS Growth (3Y)(%) is ranked higher than
65% of the 1204 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. FFIC: 12.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FFIC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -7.2  Med: 8.8 Max: 34.7
Current: 12.1
-7.2
34.7
GuruFocus has detected 6 Warning Signs with Flushing Financial Corp $FFIC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» FFIC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q4 2015

FFIC Guru Trades in Q4 2015

Jim Simons 298,160 sh (+14.61%)
Mario Gabelli 1,027,142 sh (+1.83%)
» More
Q1 2016

FFIC Guru Trades in Q1 2016

Jim Simons 335,560 sh (+12.54%)
Mario Gabelli 1,029,142 sh (+0.19%)
» More
Q2 2016

FFIC Guru Trades in Q2 2016

Jim Simons 386,660 sh (+15.23%)
Mario Gabelli 1,030,842 sh (+0.17%)
» More
Q3 2016

FFIC Guru Trades in Q3 2016

Mario Gabelli 1,043,881 sh (+1.26%)
Jim Simons 358,600 sh (-7.26%)
» More
» Details

Insider Trades

Latest Guru Trades with FFIC

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:DCOM, NAS:UBNK, NAS:HMST, NAS:LOB, NAS:OCFC, NAS:CASH, NAS:HONE, NAS:EBSB, OTCPK:BFCFB, NAS:WSBF, NAS:BKMU, NAS:FDEF, NAS:EBTC, NAS:BSF, NAS:UCFC, NAS:CSBK, NYSE:BHLB, NAS:KRNY, NAS:TBNK, OTCPK:NASB » details
Traded in other countries:FL8.Germany,
Flushing Financial Corp attracts retail deposits from the general public and invests those deposits together with funds generated from ongoing operations and borrowings.

Flushing Financial Corp is a Delaware corporation organized in May 1994. The Savings Bank was organized in 1929 as a New York State-chartered mutual savings bank. In 1994, the Savings Bank converted to a federally chartered mutual savings bank and changed its name from Flushing Savings Bank to Flushing Savings Bank, FSB. The Bank attracts retail deposits from the general public and invests those deposits together with funds generated from ongoing operations and borrowings, in originations and purchases of multi-family residential properties and, to a lesser extent, one-to-four family (focusing on mixed-use properties, which are properties that contain both residential dwelling units and commercial units) and commercial real estate mortgage loans; Construction loans, for residential properties; Small Business Administration ("SBA") loans and other small business loans; Mortgage loan surrogates such as mortgage-backed securities; and U.S. government securities, corporate fixed-income securities and other marketable securities. It also originates certain other consumer loans including overdraft lines of credit. Its revenues are derived mainly from interest on its mortgage and other loans and mortgage-backed securities portfolio, and interest and dividends on other investments in its securities portfolio. The holding company's primary sources of funds are deposits, Federal Home Loan Bank of New York borrowings, repurchase agreements, main and interest payments on loans, mortgage-backed and other securities, proceeds from sales of securities and, to a lesser extent, proceeds from sales of loans. The holding company's loan portfolio consists mainly of mortgage loans secured by multi-family residential, commercial real estate, one-to-four family mixed-use property, one-to-four family residential property, and construction loans. In addition, it also offers SBA loans, Taxi medallion loans and other consumer loans. Its entire portfolio of mortgage loans are secured by properties located within its market area.The Company's competition for loans comes principally from commercial banks, savings banks, savings and loan associations, mortgage banking companies, insurance companies, finance companies and credit unions.

Ratios

vs
industry
vs
history
P/E(ttm) 12.82
FFIC's P/E(ttm) is ranked higher than
55% of the 1490 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.41 vs. FFIC: 12.82 )
Ranked among companies with meaningful P/E(ttm) only.
FFIC' s P/E(ttm) Range Over the Past 10 Years
Min: 4.72  Med: 13.37 Max: 20.07
Current: 12.82
4.72
20.07
Forward P/E 17.99
FFIC's Forward P/E is ranked lower than
79% of the 360 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.55 vs. FFIC: 17.99 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.82
FFIC's PE(NRI) is ranked higher than
55% of the 1487 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.49 vs. FFIC: 12.82 )
Ranked among companies with meaningful PE(NRI) only.
FFIC' s PE(NRI) Range Over the Past 10 Years
Min: 4.72  Med: 13.37 Max: 20.07
Current: 12.82
4.72
20.07
Price/Owner Earnings (ttm) 11.35
FFIC's Price/Owner Earnings (ttm) is ranked higher than
60% of the 876 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.83 vs. FFIC: 11.35 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FFIC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 7.04  Med: 12.3 Max: 148.16
Current: 11.35
7.04
148.16
P/B 1.56
FFIC's P/B is ranked lower than
73% of the 1602 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. FFIC: 1.56 )
Ranked among companies with meaningful P/B only.
FFIC' s P/B Range Over the Past 10 Years
Min: 0.33  Med: 1.24 Max: 1.91
Current: 1.56
0.33
1.91
P/S 3.84
FFIC's P/S is ranked lower than
63% of the 1580 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.43 vs. FFIC: 3.84 )
Ranked among companies with meaningful P/S only.
FFIC' s P/S Range Over the Past 10 Years
Min: 0.95  Med: 3.47 Max: 4.64
Current: 3.84
0.95
4.64
PFCF 18.98
FFIC's PFCF is ranked lower than
72% of the 797 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.75 vs. FFIC: 18.98 )
Ranked among companies with meaningful PFCF only.
FFIC' s PFCF Range Over the Past 10 Years
Min: 3.82  Med: 10.08 Max: 20.41
Current: 18.98
3.82
20.41
POCF 16.86
FFIC's POCF is ranked lower than
74% of the 891 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.98 vs. FFIC: 16.86 )
Ranked among companies with meaningful POCF only.
FFIC' s POCF Range Over the Past 10 Years
Min: 3.52  Med: 9.61 Max: 17.92
Current: 16.86
3.52
17.92
EV-to-EBIT 20.60
FFIC's EV-to-EBIT is ranked lower than
73% of the 1210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.67 vs. FFIC: 20.60 )
Ranked among companies with meaningful EV-to-EBIT only.
FFIC' s EV-to-EBIT Range Over the Past 10 Years
Min: 13.2  Med: 22.3 Max: 41.1
Current: 20.6
13.2
41.1
EV-to-EBITDA 19.75
FFIC's EV-to-EBITDA is ranked lower than
76% of the 1217 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.34 vs. FFIC: 19.75 )
Ranked among companies with meaningful EV-to-EBITDA only.
FFIC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 12.4  Med: 21.2 Max: 37.8
Current: 19.75
12.4
37.8
PEG 1.91
FFIC's PEG is ranked lower than
64% of the 754 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.35 vs. FFIC: 1.91 )
Ranked among companies with meaningful PEG only.
FFIC' s PEG Range Over the Past 10 Years
Min: 0.77  Med: 3.41 Max: 36.63
Current: 1.91
0.77
36.63
Shiller P/E 20.18
FFIC's Shiller P/E is ranked higher than
51% of the 483 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. FFIC: 20.18 )
Ranked among companies with meaningful Shiller P/E only.
FFIC' s Shiller P/E Range Over the Past 10 Years
Min: 4.21  Med: 14.41 Max: 21.45
Current: 20.18
4.21
21.45

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.44
FFIC's Dividend Yield is ranked lower than
57% of the 2346 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.65 vs. FFIC: 2.44 )
Ranked among companies with meaningful Dividend Yield only.
FFIC' s Dividend Yield Range Over the Past 10 Years
Min: 2.28  Med: 3.13 Max: 11.02
Current: 2.44
2.28
11.02
Dividend Payout 0.31
FFIC's Dividend Payout is ranked higher than
84% of the 1313 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.32 vs. FFIC: 0.31 )
Ranked among companies with meaningful Dividend Payout only.
FFIC' s Dividend Payout Range Over the Past 10 Years
Min: 0.31  Med: 0.43 Max: 0.57
Current: 0.31
0.31
0.57
Dividend Growth (3y) 7.20
FFIC's Dividend Growth (3y) is ranked lower than
54% of the 728 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.40 vs. FFIC: 7.20 )
Ranked among companies with meaningful Dividend Growth (3y) only.
FFIC' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 9.1 Max: 80.9
Current: 7.2
0
80.9
Forward Dividend Yield 2.44
FFIC's Forward Dividend Yield is ranked lower than
59% of the 2244 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.84 vs. FFIC: 2.44 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.01
FFIC's Yield on cost (5-Year) is ranked lower than
56% of the 2639 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.36 vs. FFIC: 3.01 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FFIC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.81  Med: 3.86 Max: 13.6
Current: 3.01
2.81
13.6
3-Year Average Share Buyback Ratio 2.10
FFIC's 3-Year Average Share Buyback Ratio is ranked higher than
91% of the 1039 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.10 vs. FFIC: 2.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FFIC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -13.9  Med: 1.2 Max: 7.7
Current: 2.1
-13.9
7.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.61
FFIC's Price/Tangible Book is ranked lower than
68% of the 1595 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.23 vs. FFIC: 1.61 )
Ranked among companies with meaningful Price/Tangible Book only.
FFIC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.45  Med: 1.37 Max: 2.46
Current: 1.61
0.45
2.46
Price/Projected FCF 0.75
FFIC's Price/Projected FCF is ranked higher than
51% of the 883 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. FFIC: 0.75 )
Ranked among companies with meaningful Price/Projected FCF only.
FFIC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.25  Med: 0.66 Max: 1.12
Current: 0.75
0.25
1.12
Price/Median PS Value 1.12
FFIC's Price/Median PS Value is ranked lower than
51% of the 1458 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.14 vs. FFIC: 1.12 )
Ranked among companies with meaningful Price/Median PS Value only.
FFIC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.35  Med: 1.12 Max: 1.58
Current: 1.12
0.35
1.58
Price/Peter Lynch Fair Value 1.12
FFIC's Price/Peter Lynch Fair Value is ranked higher than
50% of the 399 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. FFIC: 1.12 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
FFIC' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.58  Med: 0.79 Max: 2.67
Current: 1.12
0.58
2.67
Price/Graham Number 0.96
FFIC's Price/Graham Number is ranked lower than
53% of the 1405 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.95 vs. FFIC: 0.96 )
Ranked among companies with meaningful Price/Graham Number only.
FFIC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.35  Med: 0.95 Max: 1.32
Current: 0.96
0.35
1.32
Earnings Yield (Greenblatt) (%) 4.87
FFIC's Earnings Yield (Greenblatt) (%) is ranked lower than
55% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.70 vs. FFIC: 4.87 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FFIC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.4  Med: 4.5 Max: 7.6
Current: 4.87
2.4
7.6
Forward Rate of Return (Yacktman) (%) 18.01
FFIC's Forward Rate of Return (Yacktman) (%) is ranked higher than
67% of the 867 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.21 vs. FFIC: 18.01 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FFIC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 1.4  Med: 12.8 Max: 24.3
Current: 18.01
1.4
24.3

More Statistics

Revenue (TTM) (Mil) $208.4
EPS (TTM) $ 2.16
Beta1.05
Short Percentage of Float1.24%
52-Week Range $18.95 - 31.96
Shares Outstanding (Mil)28.62

Analyst Estimate

Dec16 Dec17 Dec18 Dec19
Revenue (Mil $) 211 190 203 218
EPS ($) 2.10 1.55 1.70 1.80
EPS w/o NRI ($) 2.10 1.55 1.70 1.80
EPS Growth Rate
(3Y to 5Y Estimate)
4.20%
Dividends Per Share ($)
» More Articles for FFIC

Headlines

Articles On GuruFocus.com
Irving Kahn Buys Stake in GlaxoSmithKline During Q3 2014 Nov 12 2014 
105-Year-Old Irving Kahn Buys Is Finding Value: C, NYT, ASTE Nov 10 2011 
Flushing Financial Corp. Reports Operating Results (10-K) Mar 16 2011 
Flushing Financial Corp. Reports Operating Results (10-Q) May 07 2010 
Flushing Financial Corp. Reports Operating Results (10-Q) Nov 09 2009 
Flushing Financial Corp. Reports Operating Results (10-Q) Aug 10 2009 

More From Other Websites
FLUSHING FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jan 10 2017
John E. Roe, Sr. To Step Down as Chairman of the Board of Flushing Financial Corporation; Alfred A.... Jan 10 2017
Flushing Bank Sells Building on Hollis Court in Queens, New York Jan 03 2017
Flushing Financial (FFIC) is in Overbought Territory: What's Next? Dec 30 2016
Flushing Bank Introduces Video Banking Services at its Park Avenue South Branch Dec 21 2016
Flushing Bank Completes Renovation of its Montague Street Branch Location Showcasing a New Branch... Dec 19 2016
Should You Buy Flushing Financial Corporation (FFIC)? Dec 15 2016
Flushing Financial Corporation Announces Closing of $75 Million of Fixed-To-Floating Rate... Dec 12 2016
FLUSHING FINANCIAL CORP Files SEC form 8-K, Entry into a Material Definitive Agreement, Creation of... Dec 12 2016
Flushing Bank Joins Forces with Island Harvest Food Bank and Food Bank For New York City to Collect... Dec 12 2016
FLUSHING FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure Dec 05 2016
Flushing Bank Sells Building on Northern Boulevard in Flushing Dec 01 2016
FLUSHING FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 29 2016
Flushing Financial Corporation Declares Quarterly Dividend of $0.17 per Share Nov 29 2016
Can The Uptrend Continue for Flushing Financial (FFIC)? Nov 25 2016
FLUSHING FINANCIAL CORP Financials Nov 15 2016
Flushing Bank Receives Favorable Rating from Kroll Bond Rating Agency Nov 15 2016
Flushing Bank Celebrates the Grand Opening of its New Springfield Boulevard Location Showcasing a... Nov 14 2016
FLUSHING FINANCIAL CORP Files SEC form 8-K, Other Events Nov 14 2016
Flushing Financial Corporation to Meet With Institutional Investors Nov 14 2016

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