Switch to:

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 0.02
FFIC's Cash to Debt is ranked lower than
99% of the 966 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.47 vs. FFIC: 0.02 )
Ranked among companies with meaningful Cash to Debt only.
FFIC' s 10-Year Cash to Debt Range
Min: 0.02  Med: 0.04 Max: 0.69
Current: 0.02
0.02
0.69
Equity to Asset 0.09
FFIC's Equity to Asset is ranked lower than
59% of the 1319 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 10-Year Equity to Asset Range
Min: 0.06  Med: 0.09 Max: 0.19
Current: 0.09
0.06
0.19
Interest Coverage 1.33
FFIC's Interest Coverage is ranked lower than
56% of the 1229 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.65 vs. FFIC: 1.33 )
Ranked among companies with meaningful Interest Coverage only.
FFIC' s 10-Year Interest Coverage Range
Min: 0.25  Med: 0.48 Max: 1.33
Current: 1.33
0.25
1.33
F-Score: 4
WACC vs ROIC
6.97%
3.14%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 45.39
FFIC's Operating margin (%) is ranked higher than
81% of the 1381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.90 vs. FFIC: 45.39 )
Ranked among companies with meaningful Operating margin (%) only.
FFIC' s 10-Year Operating margin (%) Range
Min: 32.87  Med: 42.99 Max: 53.01
Current: 45.39
32.87
53.01
Net-margin (%) 27.73
FFIC's Net-margin (%) is ranked higher than
68% of the 1381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.60 vs. FFIC: 27.73 )
Ranked among companies with meaningful Net-margin (%) only.
FFIC' s 10-Year Net-margin (%) Range
Min: 20.33  Med: 27.25 Max: 32.62
Current: 27.73
20.33
32.62
ROE (%) 9.35
FFIC's ROE (%) is ranked higher than
57% of the 1384 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.41 vs. FFIC: 9.35 )
Ranked among companies with meaningful ROE (%) only.
FFIC' s 10-Year ROE (%) Range
Min: 6.3  Med: 10.05 Max: 15.59
Current: 9.35
6.3
15.59
ROA (%) 0.86
FFIC's ROA (%) is ranked higher than
52% of the 1392 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. FFIC: 0.86 )
Ranked among companies with meaningful ROA (%) only.
FFIC' s 10-Year ROA (%) Range
Min: 0.61  Med: 0.91 Max: 1.22
Current: 0.86
0.61
1.22
ROC (Joel Greenblatt) (%) 313.46
FFIC's ROC (Joel Greenblatt) (%) is ranked higher than
86% of the 1374 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 77.18 vs. FFIC: 313.46 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
FFIC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 15.73  Med: 229.57 Max: 531.57
Current: 313.46
15.73
531.57
Revenue Growth (3Y)(%) -0.30
FFIC's Revenue Growth (3Y)(%) is ranked lower than
62% of the 1170 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.00 vs. FFIC: -0.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FFIC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 4.60 Max: 22.4
Current: -0.3
0
22.4
EBITDA Growth (3Y)(%) 7.60
FFIC's EBITDA Growth (3Y)(%) is ranked higher than
51% of the 1029 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. FFIC: 7.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FFIC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 3.70 Max: 28.8
Current: 7.6
0
28.8
EPS Growth (3Y)(%) 8.80
FFIC's EPS Growth (3Y)(%) is ranked lower than
53% of the 1036 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.60 vs. FFIC: 8.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FFIC' s 10-Year EPS Growth (3Y)(%) Range
Min: -7.2  Med: 8.35 Max: 34.6
Current: 8.8
-7.2
34.6
» FFIC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

FFIC Guru Trades in Q3 2014

Kahn Brothers 15,519 sh (+53.36%)
Jim Simons 280,160 sh (+11.49%)
Mario Gabelli 960,285 sh (+2.91%)
» More
Q4 2014

FFIC Guru Trades in Q4 2014

Kahn Brothers 15,519 sh (unchged)
Mario Gabelli 918,742 sh (-4.33%)
Jim Simons 239,236 sh (-14.61%)
» More
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
2015

FFIC Guru Trades in 2015

Mario Gabelli 987,042 sh (+1.16%)
» 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%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.70
FFIC's P/E(ttm) is ranked lower than
54% of the 1245 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.80 vs. FFIC: 14.70 )
Ranked among companies with meaningful P/E(ttm) only.
FFIC' s 10-Year P/E(ttm) Range
Min: 4.76  Med: 13.56 Max: 20.09
Current: 14.7
4.76
20.09
Forward P/E 12.74
FFIC's Forward P/E is ranked lower than
56% of the 707 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.17 vs. FFIC: 12.74 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.70
FFIC's PE(NRI) is ranked lower than
54% of the 1242 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.90 vs. FFIC: 14.70 )
Ranked among companies with meaningful PE(NRI) only.
FFIC' s 10-Year PE(NRI) Range
Min: 4.77  Med: 13.59 Max: 20.07
Current: 14.7
4.77
20.07
P/B 1.34
FFIC's P/B is ranked lower than
68% of the 1350 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. FFIC: 1.34 )
Ranked among companies with meaningful P/B only.
FFIC' s 10-Year P/B Range
Min: 0.33  Med: 1.28 Max: 2.58
Current: 1.34
0.33
2.58
P/S 4.10
FFIC's P/S is ranked lower than
71% of the 1367 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.97 vs. FFIC: 4.10 )
Ranked among companies with meaningful P/S only.
FFIC' s 10-Year P/S Range
Min: 0.96  Med: 3.73 Max: 5.21
Current: 4.1
0.96
5.21
PFCF 13.62
FFIC's PFCF is ranked lower than
59% of the 801 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.49 vs. FFIC: 13.62 )
Ranked among companies with meaningful PFCF only.
FFIC' s 10-Year PFCF Range
Min: 3.9  Med: 9.94 Max: 20.69
Current: 13.62
3.9
20.69
POCF 11.36
FFIC's POCF is ranked lower than
58% of the 911 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.73 vs. FFIC: 11.36 )
Ranked among companies with meaningful POCF only.
FFIC' s 10-Year POCF Range
Min: 3.55  Med: 9.51 Max: 14.46
Current: 11.36
3.55
14.46
EV-to-EBIT 23.23
FFIC's EV-to-EBIT is ranked lower than
76% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.11 vs. FFIC: 23.23 )
Ranked among companies with meaningful EV-to-EBIT only.
FFIC' s 10-Year EV-to-EBIT Range
Min: 13.2  Med: 23.25 Max: 41.1
Current: 23.23
13.2
41.1
PEG 2.94
FFIC's PEG is ranked lower than
82% of the 573 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.07 vs. FFIC: 2.94 )
Ranked among companies with meaningful PEG only.
FFIC' s 10-Year PEG Range
Min: 0.59  Med: 2.72 Max: 138.83
Current: 2.94
0.59
138.83
Shiller P/E 16.89
FFIC's Shiller P/E is ranked higher than
52% of the 765 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.18 vs. FFIC: 16.89 )
Ranked among companies with meaningful Shiller P/E only.
FFIC' s 10-Year Shiller P/E Range
Min: 3.75  Med: 13.62 Max: 22.63
Current: 16.89
3.75
22.63
Days Sales Outstanding 40.94
FFIC's Days Sales Outstanding is ranked lower than
59% of the 768 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.05 vs. FFIC: 40.94 )
Ranked among companies with meaningful Days Sales Outstanding only.
FFIC' s 10-Year Days Sales Outstanding Range
Min: 40.85  Med: 56.25 Max: 82.57
Current: 40.94
40.85
82.57

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.92
FFIC's Dividend Yield is ranked higher than
56% of the 2188 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.63 vs. FFIC: 2.92 )
Ranked among companies with meaningful Dividend Yield only.
FFIC' s 10-Year Dividend Yield Range
Min: 1.58  Med: 3.02 Max: 11.02
Current: 2.92
1.58
11.02
Dividend Payout 0.42
FFIC's Dividend Payout is ranked lower than
64% of the 1279 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. FFIC: 0.42 )
Ranked among companies with meaningful Dividend Payout only.
FFIC' s 10-Year Dividend Payout Range
Min: 0.16  Med: 0.32 Max: 1.18
Current: 0.42
0.16
1.18
Dividend growth (3y) 4.90
FFIC's Dividend growth (3y) is ranked lower than
59% of the 652 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. FFIC: 4.90 )
Ranked among companies with meaningful Dividend growth (3y) only.
FFIC' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 10.10 Max: 80.9
Current: 4.9
0
80.9
Yield on cost (5-Year) 3.24
FFIC's Yield on cost (5-Year) is ranked higher than
53% of the 2173 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.04 vs. FFIC: 3.24 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FFIC' s 10-Year Yield on cost (5-Year) Range
Min: 1.75  Med: 3.35 Max: 12.23
Current: 3.24
1.75
12.23
Share Buyback Rate 0.90
FFIC's Share Buyback Rate is ranked higher than
83% of the 933 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.50 vs. FFIC: 0.90 )
Ranked among companies with meaningful Share Buyback Rate only.
FFIC' s 10-Year Share Buyback Rate Range
Min: 8.3  Med: 0.35 Max: -15.3
Current: 0.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.39
FFIC's Price/Tangible Book is ranked lower than
62% of the 1329 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. FFIC: 1.39 )
Ranked among companies with meaningful Price/Tangible Book only.
FFIC' s 10-Year Price/Tangible Book Range
Min: 0.45  Med: 1.37 Max: 2.46
Current: 1.39
0.45
2.46
Price/Projected FCF 0.68
FFIC's Price/Projected FCF is ranked higher than
50% of the 759 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.68 vs. FFIC: 0.68 )
Ranked among companies with meaningful Price/Projected FCF only.
FFIC' s 10-Year Price/Projected FCF Range
Min: 0.25  Med: 0.70 Max: 1.06
Current: 0.68
0.25
1.06
Price/Median PS Value 1.10
FFIC's Price/Median PS Value is ranked higher than
50% of the 1232 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. FFIC: 1.10 )
Ranked among companies with meaningful Price/Median PS Value only.
FFIC' s 10-Year Price/Median PS Value Range
Min: 0.33  Med: 1.06 Max: 1.88
Current: 1.1
0.33
1.88
Price/Peter Lynch Fair Value 2.23
FFIC's Price/Peter Lynch Fair Value is ranked lower than
89% of the 348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.98 vs. FFIC: 2.23 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
FFIC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.54  Med: 0.71 Max: 2.45
Current: 2.23
0.54
2.45
Price/Graham Number 0.95
FFIC's Price/Graham Number is ranked lower than
58% of the 1122 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. FFIC: 0.95 )
Ranked among companies with meaningful Price/Graham Number only.
FFIC' s 10-Year Price/Graham Number Range
Min: 0.35  Med: 1.00 Max: 1.36
Current: 0.95
0.35
1.36
Earnings Yield (Greenblatt) (%) 4.30
FFIC's Earnings Yield (Greenblatt) (%) is ranked lower than
69% of the 1343 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. FFIC: 4.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FFIC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.4  Med: 4.30 Max: 7.6
Current: 4.3
2.4
7.6
Forward Rate of Return (Yacktman) (%) 16.25
FFIC's Forward Rate of Return (Yacktman) (%) is ranked higher than
56% of the 758 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.31 vs. FFIC: 16.25 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FFIC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 0.6  Med: 13.00 Max: 28
Current: 16.25
0.6
28

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

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 Jun 17 2015
Flushing Financial Corporation to Speak to Institutional Investors Jun 17 2015
Flushing Financial Corporation to Speak to Institutional Investors Jun 17 2015
Flushing Financial Corporation Announces Authorization of Stock Repurchase Program Jun 16 2015
FLUSHING FINANCIAL CORP Files SEC form 8-K, Other Events Jun 16 2015
Flushing Financial Corporation Announces Authorization of Stock Repurchase Program Jun 16 2015
Flushing Financial Corporation Declares Quarterly Dividend of $0.16 Per Share May 21 2015
FLUSHING FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 21 2015
Flushing Financial Corporation Declares Quarterly Dividend of $0.16 Per Share May 21 2015
FLUSHING FINANCIAL CORP Financials May 20 2015
FLUSHING FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 20 2015
Flushing Bank Celebrates the Grand Opening of Its Corporate Headquarters and New Branch at RXR Plaza May 18 2015
Flushing Bank Celebrates the Grand Opening of Its Corporate Headquarters and New Branch at RXR Plaza May 18 2015
10-Q for Flushing Financial Corp. May 13 2015
FLUSHING FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 11 2015
Flushing Bank Completes the Sale of Three Brooklyn Properties and Announces Plans to Transform... May 11 2015
Flushing Bank Completes the Sale of Three Brooklyn Properties and Announces Plans to Transform... May 11 2015
10-K for Flushing Financial Corp. May 04 2015
Frank Korzekwinski Honored as Corporate Partner of the Year by Queensborough Community College May 01 2015
Frank Korzekwinski Honored as Corporate Partner of the Year by Queensborough Community College May 01 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK