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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.03
FFIC's Cash to Debt is ranked lower than
98% of the 1088 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. FFIC: 0.03 )
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: 0.69
Current: 0.03
0.02
0.69
Equity to Asset 0.08
FFIC's Equity to Asset is ranked lower than
70% of the 1578 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. FFIC: 0.08 )
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: 0.19
Current: 0.08
0.06
0.19
Interest Coverage 1.48
FFIC's Interest Coverage is ranked lower than
55% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.82 vs. FFIC: 1.48 )
Ranked among companies with meaningful Interest Coverage only.
FFIC' s Interest Coverage Range Over the Past 10 Years
Min: 0.25  Med: 0.60 Max: 1.33
Current: 1.48
0.25
1.33
F-Score: 5
WACC vs ROIC
5.67%
3.08%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 43.13
FFIC's Operating margin (%) is ranked higher than
76% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.86 vs. FFIC: 43.13 )
Ranked among companies with meaningful Operating margin (%) only.
FFIC' s Operating margin (%) Range Over the Past 10 Years
Min: 32.87  Med: 37.90 Max: 51.56
Current: 43.13
32.87
51.56
Net-margin (%) 27.16
FFIC's Net-margin (%) is ranked higher than
65% of the 1593 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.37 vs. FFIC: 27.16 )
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: 31.45
Current: 27.16
20.33
31.45
ROE (%) 9.92
FFIC's ROE (%) is ranked higher than
65% of the 1589 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.01 vs. FFIC: 9.92 )
Ranked among companies with meaningful ROE (%) only.
FFIC' s ROE (%) Range Over the Past 10 Years
Min: 6.38  Med: 8.85 Max: 13.97
Current: 9.92
6.38
13.97
ROA (%) 0.86
FFIC's ROA (%) is ranked higher than
50% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. FFIC: 0.86 )
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: 0.86
0.61
1.07
Revenue Growth (3Y)(%) -0.30
FFIC's Revenue Growth (3Y)(%) is ranked lower than
61% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. FFIC: -0.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FFIC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -1.1  Med: 7.70 Max: 22.4
Current: -0.3
-1.1
22.4
EBITDA Growth (3Y)(%) 7.60
FFIC's EBITDA Growth (3Y)(%) is ranked higher than
54% of the 1167 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. FFIC: 7.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FFIC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -7.1  Med: 5.65 Max: 28.8
Current: 7.6
-7.1
28.8
EPS Growth (3Y)(%) 8.80
FFIC's EPS Growth (3Y)(%) is ranked higher than
53% of the 1165 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. FFIC: 8.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FFIC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -7.3  Med: 8.30 Max: 34.9
Current: 8.8
-7.3
34.9
» FFIC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

FFIC Guru Trades in Q1 2015

Mario Gabelli 975,742 sh (+6.20%)
Kahn Brothers 15,519 sh (unchged)
Jim Simons 236,960 sh (-0.95%)
» More
Q2 2015

FFIC Guru Trades in Q2 2015

Mario Gabelli 1,002,642 sh (+2.76%)
Jim Simons 224,100 sh (-5.43%)
Kahn Brothers 9,445 sh (-39.14%)
» More
Q3 2015

FFIC Guru Trades in Q3 2015

Jim Simons 260,160 sh (+16.09%)
Mario Gabelli 1,008,642 sh (+0.60%)
Kahn Brothers Sold Out
» More
Q4 2015

FFIC Guru Trades in Q4 2015

Mario Gabelli 1,027,142 sh (+1.83%)
» More
» Details

Insider Trades

Latest Guru Trades with FFIC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 12.78
FFIC's P/E(ttm) is ranked higher than
50% of the 2164 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.39 vs. FFIC: 12.78 )
Ranked among companies with meaningful P/E(ttm) only.
FFIC' s P/E(ttm) Range Over the Past 10 Years
Min: 4.76  Med: 13.41 Max: 20.09
Current: 12.78
4.76
20.09
Forward P/E 12.74
FFIC's Forward P/E is ranked lower than
82% of the 1322 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.27 vs. FFIC: 12.74 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.78
FFIC's PE(NRI) is ranked lower than
53% of the 1679 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.31 vs. FFIC: 12.78 )
Ranked among companies with meaningful PE(NRI) only.
FFIC' s PE(NRI) Range Over the Past 10 Years
Min: 4.77  Med: 13.40 Max: 20.07
Current: 12.78
4.77
20.07
P/B 1.22
FFIC's P/B is ranked lower than
59% of the 2247 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.01 vs. FFIC: 1.22 )
Ranked among companies with meaningful P/B only.
FFIC' s P/B Range Over the Past 10 Years
Min: 0.33  Med: 1.26 Max: 2.2
Current: 1.22
0.33
2.2
P/S 3.54
FFIC's P/S is ranked lower than
70% of the 2511 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.55 vs. FFIC: 3.54 )
Ranked among companies with meaningful P/S only.
FFIC' s P/S Range Over the Past 10 Years
Min: 0.96  Med: 3.67 Max: 4.7
Current: 3.54
0.96
4.7
PFCF 15.85
FFIC's PFCF is ranked lower than
75% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.28 vs. FFIC: 15.85 )
Ranked among companies with meaningful PFCF only.
FFIC' s PFCF Range Over the Past 10 Years
Min: 3.9  Med: 10.01 Max: 20.69
Current: 15.85
3.9
20.69
POCF 11.72
FFIC's POCF is ranked lower than
68% of the 1518 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. FFIC: 11.72 )
Ranked among companies with meaningful POCF only.
FFIC' s POCF Range Over the Past 10 Years
Min: 3.55  Med: 9.61 Max: 14.46
Current: 11.72
3.55
14.46
EV-to-EBIT 22.39
FFIC's EV-to-EBIT is ranked lower than
77% of the 2121 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.36 vs. FFIC: 22.39 )
Ranked among companies with meaningful EV-to-EBIT only.
FFIC' s EV-to-EBIT Range Over the Past 10 Years
Min: 13.2  Med: 22.80 Max: 41.1
Current: 22.39
13.2
41.1
EV-to-EBITDA 21.43
FFIC's EV-to-EBITDA is ranked lower than
79% of the 2129 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.08 vs. FFIC: 21.43 )
Ranked among companies with meaningful EV-to-EBITDA only.
FFIC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 12.4  Med: 21.70 Max: 37.8
Current: 21.43
12.4
37.8
PEG 2.58
FFIC's PEG is ranked lower than
82% of the 622 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.93 vs. FFIC: 2.58 )
Ranked among companies with meaningful PEG only.
FFIC' s PEG Range Over the Past 10 Years
Min: 0.62  Med: 3.21 Max: 14.82
Current: 2.58
0.62
14.82
Shiller P/E 15.46
FFIC's Shiller P/E is ranked higher than
50% of the 681 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.38 vs. FFIC: 15.46 )
Ranked among companies with meaningful Shiller P/E only.
FFIC' s Shiller P/E Range Over the Past 10 Years
Min: 4.18  Med: 14.34 Max: 20.48
Current: 15.46
4.18
20.48

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.20
FFIC's Dividend Yield is ranked higher than
52% of the 2412 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. FFIC: 3.20 )
Ranked among companies with meaningful Dividend Yield only.
FFIC' s Dividend Yield Range Over the Past 10 Years
Min: 1.97  Med: 3.06 Max: 11.02
Current: 3.2
1.97
11.02
Dividend Payout 0.40
FFIC's Dividend Payout is ranked lower than
60% of the 1441 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.34 vs. FFIC: 0.40 )
Ranked among companies with meaningful Dividend Payout only.
FFIC' s Dividend Payout Range Over the Past 10 Years
Min: 0.16  Med: 0.32 Max: 1.18
Current: 0.4
0.16
1.18
Dividend Growth (3y) 4.90
FFIC's Dividend Growth (3y) is ranked higher than
50% of the 730 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.00 vs. FFIC: 4.90 )
Ranked among companies with meaningful Dividend Growth (3y) only.
FFIC' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 10.10 Max: 80.9
Current: 4.9
0
80.9
Forward Dividend Yield 3.22
FFIC's Forward Dividend Yield is ranked lower than
51% of the 2191 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.26 vs. FFIC: 3.22 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.56
FFIC's Yield on cost (5-Year) is ranked higher than
50% of the 2446 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.42 vs. FFIC: 3.56 )
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: 2.19  Med: 3.40 Max: 12.23
Current: 3.56
2.19
12.23
3-Year Average Share Buyback Ratio 0.90
FFIC's 3-Year Average Share Buyback Ratio is ranked higher than
87% of the 1061 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 vs. FFIC: 0.90 )
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: -15.3  Med: 0.35 Max: 8.3
Current: 0.9
-15.3
8.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.25
FFIC's Price/Tangible Book is ranked lower than
61% of the 2191 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. FFIC: 1.25 )
Ranked among companies with meaningful Price/Tangible Book only.
FFIC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.45  Med: 1.36 Max: 2.46
Current: 1.25
0.45
2.46
Price/Projected FCF 0.59
FFIC's Price/Projected FCF is ranked higher than
55% of the 1350 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. FFIC: 0.59 )
Ranked among companies with meaningful Price/Projected FCF only.
FFIC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.25  Med: 0.69 Max: 1
Current: 0.59
0.25
1
Price/Median PS Value 0.96
FFIC's Price/Median PS Value is ranked lower than
52% of the 2108 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.94 vs. FFIC: 0.96 )
Ranked among companies with meaningful Price/Median PS Value only.
FFIC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.33  Med: 1.07 Max: 1.91
Current: 0.96
0.33
1.91
Price/Peter Lynch Fair Value 1.67
FFIC's Price/Peter Lynch Fair Value is ranked lower than
85% of the 635 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.24 vs. FFIC: 1.67 )
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: 0.51  Med: 0.74 Max: 2.51
Current: 1.67
0.51
2.51
Price/Graham Number 0.96
FFIC's Price/Graham Number is ranked lower than
56% of the 2062 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 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: 0.96 Max: 1.32
Current: 0.96
0.35
1.32
Earnings Yield (Greenblatt) (%) 4.50
FFIC's Earnings Yield (Greenblatt) (%) is ranked lower than
69% of the 1519 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. FFIC: 4.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FFIC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.4  Med: 4.40 Max: 7.6
Current: 4.5
2.4
7.6
Forward Rate of Return (Yacktman) (%) 17.47
FFIC's Forward Rate of Return (Yacktman) (%) is ranked higher than
55% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. FFIC: 17.47 )
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: 1.3  Med: 13.10 Max: 27.1
Current: 17.47
1.3
27.1

More Statistics

Revenue(Mil) $170
EPS $ 1.57
Beta0.87
Short Percentage of Float3.16%
52-Week Range $18.77 - 23.07
Shares Outstanding(Mil)28.83

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, ISBC » details
Traded in other countries:FL8.Germany,
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, primarily 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, primarily 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.
» More Articles for FFIC

Headlines

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Irving Kahn Buys Stake in GlaxoSmithKline During Q3 2014 Nov 12 2014 
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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 

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