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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 0.05
FFIC's Cash to Debt is ranked lower than
56% of the 1237 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 vs. FFIC: 0.05 )
FFIC' s 10-Year Cash to Debt Range
Min: 0.02   Max: 0.69
Current: 0.05

0.02
0.69
Equity to Asset 0.09
FFIC's Equity to Asset is ranked higher than
69% of the 1605 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. FFIC: 0.09 )
FFIC' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.19
Current: 0.09

0.06
0.19
Interest Coverage 1.11
FFIC's Interest Coverage is ranked higher than
66% of the 1286 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. FFIC: 1.11 )
FFIC' s 10-Year Interest Coverage Range
Min: 0.25   Max: 1.11
Current: 1.11

0.25
1.11
F-Score: 5
Z-Score: 0.21
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 (%) 39.11
FFIC's Operating margin (%) is ranked higher than
85% of the 1420 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.90 vs. FFIC: 39.11 )
FFIC' s 10-Year Operating margin (%) Range
Min: 32.87   Max: 53.01
Current: 39.11

32.87
53.01
Net-margin (%) 24.32
FFIC's Net-margin (%) is ranked higher than
79% of the 1448 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.93 vs. FFIC: 24.32 )
FFIC' s 10-Year Net-margin (%) Range
Min: 20.33   Max: 32.62
Current: 24.32

20.33
32.62
ROE (%) 8.73
FFIC's ROE (%) is ranked higher than
77% of the 1450 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.45 vs. FFIC: 8.73 )
FFIC' s 10-Year ROE (%) Range
Min: 5.03   Max: 14.77
Current: 8.73

5.03
14.77
ROA (%) 0.80
FFIC's ROA (%) is ranked higher than
73% of the 1451 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. FFIC: 0.80 )
FFIC' s 10-Year ROA (%) Range
Min: 0.56   Max: 1.13
Current: 0.8

0.56
1.13
ROC (Joel Greenblatt) (%) 298.23
FFIC's ROC (Joel Greenblatt) (%) is ranked higher than
94% of the 1396 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 75.67 vs. FFIC: 298.23 )
FFIC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 12.44   Max: 552.07
Current: 298.23

12.44
552.07
Revenue Growth (%) 2.40
FFIC's Revenue Growth (%) is ranked higher than
79% of the 1421 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. FFIC: 2.40 )
FFIC' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 22.4
Current: 2.4

0
22.4
EBITDA Growth (%) 3.70
FFIC's EBITDA Growth (%) is ranked higher than
68% of the 1276 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. FFIC: 3.70 )
FFIC' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 28.8
Current: 3.7

0
28.8
EPS Growth (%) -0.50
FFIC's EPS Growth (%) is ranked higher than
64% of the 1244 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.70 vs. FFIC: -0.50 )
FFIC' s 10-Year EPS Growth (%) Range
Min: -7.2   Max: 34.6
Current: -0.5

-7.2
34.6
» FFIC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2013

FFIC Guru Trades in Q2 2013

Mario Gabelli 564,651 sh (+49.28%)
Irving Kahn 68,479 sh (-12.01%)
Jim Simons 101,160 sh (-13.24%)
» More
Q3 2013

FFIC Guru Trades in Q3 2013

Mario Gabelli 767,302 sh (+35.89%)
Jim Simons 129,100 sh (+27.62%)
Irving Kahn 15,856 sh (-76.85%)
» More
Q4 2013

FFIC Guru Trades in Q4 2013

Jim Simons 185,000 sh (+43.3%)
Mario Gabelli 809,665 sh (+5.52%)
Irving Kahn 11,119 sh (-29.88%)
» More
Q1 2014

FFIC Guru Trades in Q1 2014

Jim Simons 217,100 sh (+17.35%)
Mario Gabelli 884,844 sh (+9.29%)
Irving Kahn 10,119 sh (-8.99%)
» More
» Details

Insider Trades

Latest Guru Trades with FFIC

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Mario Gabelli 2013-09-30 Add 35.89%0.02%$16.91 - $19.56 $ 19.495%767302
Mario Gabelli 2013-06-30 Add 49.28%0.02%$15.07 - $16.54 $ 19.4923%564651
Mario Gabelli 2011-03-31 Reduce -43.76%0.02%$13.72 - $14.96 $ 19.4935%324600
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.20
FFIC's P/E(ttm) is ranked higher than
75% of the 1835 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.00 vs. FFIC: 14.20 )
FFIC' s 10-Year P/E(ttm) Range
Min: 4.76   Max: 20.09
Current: 14.2

4.76
20.09
P/B 1.40
FFIC's P/B is ranked higher than
66% of the 1835 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.21 vs. FFIC: 1.40 )
FFIC' s 10-Year P/B Range
Min: 0.33   Max: 2.58
Current: 1.4

0.33
2.58
P/S 3.79
FFIC's P/S is ranked higher than
63% of the 1835 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.24 vs. FFIC: 3.79 )
FFIC' s 10-Year P/S Range
Min: 0.96   Max: 5.21
Current: 3.79

0.96
5.21
PFCF 8.60
FFIC's PFCF is ranked higher than
79% of the 1835 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.70 vs. FFIC: 8.60 )
FFIC' s 10-Year PFCF Range
Min: 3.93   Max: 14.46
Current: 8.6

3.93
14.46
EV-to-EBIT 20.40
FFIC's EV-to-EBIT is ranked higher than
71% of the 1835 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.40 vs. FFIC: 20.40 )
FFIC' s 10-Year EV-to-EBIT Range
Min: 13.2   Max: 41.1
Current: 20.4

13.2
41.1
PEG 5.70
FFIC's PEG is ranked higher than
73% of the 1835 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.67 vs. FFIC: 5.70 )
FFIC' s 10-Year PEG Range
Min: 0.6   Max: 416.5
Current: 5.7

0.6
416.5
Shiller P/E 16.40
FFIC's Shiller P/E is ranked higher than
87% of the 1835 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 252.10 vs. FFIC: 16.40 )
FFIC' s 10-Year Shiller P/E Range
Min: 3.78   Max: 24.33
Current: 16.4

3.78
24.33

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.87
FFIC's Dividend Yield is ranked higher than
58% of the 1397 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.45 vs. FFIC: 2.87 )
FFIC' s 10-Year Dividend Yield Range
Min: 1.43   Max: 11.02
Current: 2.87

1.43
11.02
Dividend Payout 0.39
FFIC's Dividend Payout is ranked higher than
85% of the 1835 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. FFIC: 0.39 )
FFIC' s 10-Year Dividend Payout Range
Min: 0.16   Max: 1.18
Current: 0.39

0.16
1.18
Yield on cost (5-Year) 2.90
FFIC's Yield on cost (5-Year) is ranked higher than
53% of the 1341 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.65 vs. FFIC: 2.90 )
FFIC' s 10-Year Yield on cost (5-Year) Range
Min: 1.43   Max: 11.02
Current: 2.9

1.43
11.02
Share Buyback Rate 0.30
FFIC's Share Buyback Rate is ranked higher than
89% of the 1228 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.10 vs. FFIC: 0.30 )
FFIC' s 10-Year Share Buyback Rate Range
Min: 8.3   Max: -15.3
Current: 0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.40
FFIC's Price/Tangible Book is ranked higher than
70% of the 1835 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 vs. FFIC: 1.40 )
FFIC' s 10-Year Price/Tangible Book Range
Min: 0.45   Max: 2.46
Current: 1.4

0.45
2.46
Price/DCF (Projected) 0.70
FFIC's Price/DCF (Projected) is ranked higher than
83% of the 1835 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.11 vs. FFIC: 0.70 )
FFIC' s 10-Year Price/DCF (Projected) Range
Min: 0.24   Max: 0.84
Current: 0.7

0.24
0.84
Price/Median PS Value 1.00
FFIC's Price/Median PS Value is ranked higher than
78% of the 1835 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. FFIC: 1.00 )
FFIC' s 10-Year Price/Median PS Value Range
Min: 0.32   Max: 1.46
Current: 1

0.32
1.46
Price/Graham Number 0.90
FFIC's Price/Graham Number is ranked higher than
76% of the 1835 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. FFIC: 0.90 )
FFIC' s 10-Year Price/Graham Number Range
Min: 0.35   Max: 1.36
Current: 0.9

0.35
1.36
Earnings Yield (Greenblatt) 4.90
FFIC's Earnings Yield (Greenblatt) is ranked higher than
62% of the 1545 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. FFIC: 4.90 )
FFIC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.4   Max: 7.6
Current: 4.9

2.4
7.6
Forward Rate of Return (Yacktman) 10.18
FFIC's Forward Rate of Return (Yacktman) is ranked higher than
68% of the 1176 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.81 vs. FFIC: 10.18 )
FFIC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1.7   Max: 27.7
Current: 10.18

1.7
27.7

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, ISBC » details
Flushing Financial Corp is a holding company whose primary business is in operation of its wholly owned subsidiary, the Savings Bank. It is incorporated in the state of Delaware organized in May 1994 at the direction of the Savings Bank. The Savings Bank was organized in 1929 as a New York State chartered mutual savings bank. The Savings Bank has an Internet branch, iGObanking.com. The holding company's main business is attracting retail deposits from the general public and investing those deposits together with funds generated from ongoing operations and borrowings, mainly in originations and purchases of one-to-four family, multi-family residential and commercial real estate mortgage loans; construction loans, mainly for residential properties; Small Business Administration 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. The holding company also originates certain other consumer loans. 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, other small business loans and consumer loans. Its entire portfolio of mortgage loans are secured by properties located within its market area. The holding company offers mortgage loans secured by one-to-four family mixed-use properties. These properties contain up to four residential dwelling units and a commercial unit.
» More Articles for FFIC

Headlines

Articles On GuruFocus.com
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 Corporation Reports the Death of a Board Member Vincent F. Nicolosi Jul 11 2014
FLUSHING FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers Jun 18 2014
Flushing Financial Corporation Appoints Alfred A. DelliBovi to Board of Directors Jun 18 2014
FLUSHING FINANCIAL CORP Files SEC form 8-K, Entry into a Material Definitive Agreement Jun 11 2014
Flushing Bank Announces Plan to Relocate to RXR Building in Uniondale Jun 06 2014
FLUSHING FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 22 2014
FLUSHING FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 21 2014
Flushing Financial Corporation Declares Quarterly Dividend of $0.15 Per Share May 20 2014
FLUSHING FINANCIAL CORP Financials May 20 2014
FLUSHING FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 12 2014
FLUSHING FINANCIAL CORP Files SEC form 8-K, Other Events May 07 2014
Flushing Bank Recognized by Forbes as one of America's 50 Most Trustworthy Financial Companies May 05 2014
FLUSHING FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition Apr 30 2014
FLUSHING FINANCIAL CORP Files SEC form 10-K, Annual Report Mar 17 2014
Flushing Financial Corporation to Participate in the Community Bank Investor Conference Mar 03 2014
FLUSHING FINANCIAL CORP Files SEC form 8-K, Other Events Mar 03 2014
Ambassador Financial Group, Inc. and Maxim Group LLC to Host The Community Bank Investor Conference... Feb 27 2014
FLUSHING FINANCIAL CORP Files SEC form 8-K, Other Events Feb 26 2014
Flushing Financial Corporation Increases Its Quarterly Dividend 15% to $0.15 Per Share Feb 25 2014
FLUSHING FINANCIAL CORP Files SEC form 8-K, Other Events Feb 10 2014

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