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 0.03
FFIC's Cash to Debt is ranked lower than
54% of the 1570 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. FFIC: 0.03 )
FFIC' s 10-Year Cash to Debt Range
Min: 0.02   Max: 0.69
Current: 0.03

0.02
0.69
Equity to Asset 0.09
FFIC's Equity to Asset is ranked higher than
68% of the 2021 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 1845 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 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: 0.28
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 (%) 47.39
FFIC's Operating margin (%) is ranked higher than
92% of the 2032 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.47 vs. FFIC: 47.39 )
FFIC' s 10-Year Operating margin (%) Range
Min: 32.87   Max: 53.01
Current: 47.39

32.87
53.01
Net-margin (%) 29.23
FFIC's Net-margin (%) is ranked higher than
87% of the 2032 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.42 vs. FFIC: 29.23 )
FFIC' s 10-Year Net-margin (%) Range
Min: 20.33   Max: 32.62
Current: 29.23

20.33
32.62
ROE (%) 10.16
FFIC's ROE (%) is ranked higher than
82% of the 2042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.60 vs. FFIC: 10.16 )
FFIC' s 10-Year ROE (%) Range
Min: 6.3   Max: 15.59
Current: 10.16

6.3
15.59
ROA (%) 0.94
FFIC's ROA (%) is ranked higher than
80% of the 2045 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. FFIC: 0.94 )
FFIC' s 10-Year ROA (%) Range
Min: 0.61   Max: 1.22
Current: 0.94

0.61
1.22
ROC (Joel Greenblatt) (%) 364.05
FFIC's ROC (Joel Greenblatt) (%) is ranked higher than
94% of the 2013 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 77.18 vs. FFIC: 364.05 )
FFIC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 15.73   Max: 531.57
Current: 364.05

15.73
531.57
Revenue Growth (3Y)(%) 2.40
FFIC's Revenue Growth (3Y)(%) is ranked higher than
79% of the 1748 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. FFIC: 2.40 )
FFIC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 22.4
Current: 2.4

0
22.4
EBITDA Growth (3Y)(%) 3.70
FFIC's EBITDA Growth (3Y)(%) is ranked higher than
70% of the 1569 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. FFIC: 3.70 )
FFIC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 28.8
Current: 3.7

0
28.8
EPS Growth (3Y)(%) -0.50
FFIC's EPS Growth (3Y)(%) is ranked higher than
65% of the 1550 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. FFIC: -0.50 )
FFIC' s 10-Year EPS Growth (3Y)(%) 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

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
Q2 2014

FFIC Guru Trades in Q2 2014

Jim Simons 251,288 sh (+15.75%)
Mario Gabelli 933,127 sh (+5.46%)
Irving Kahn 10,119 sh (unchged)
» More
Q3 2014

FFIC Guru Trades in Q3 2014

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

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Irving Kahn 2014-09-30 Add 53.36%0.02%$18.45 - $20.66 $ 20.416%15519
Irving Kahn 2013-12-31 Reduce -29.88%0.01%$18.12 - $21.61 $ 20.412%11119
Irving Kahn 2013-09-30 Reduce -76.85%0.13%$16.91 - $19.56 $ 20.4110%15856
Mario Gabelli 2013-09-30 Add 35.89%0.02%$16.91 - $19.56 $ 20.4110%767302
Mario Gabelli 2013-06-30 Add 49.28%0.02%$15.07 - $16.54 $ 20.4129%564651
Irving Kahn 2011-09-30 Reduce -43.16%0.26%$10.17 - $13.27 $ 20.4175%150586
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 13.50
FFIC's P/E(ttm) is ranked higher than
83% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.00 vs. FFIC: 13.50 )
FFIC' s 10-Year P/E(ttm) Range
Min: 4.76   Max: 20.09
Current: 13.5

4.76
20.09
P/B 1.36
FFIC's P/B is ranked higher than
71% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. FFIC: 1.36 )
FFIC' s 10-Year P/B Range
Min: 0.33   Max: 2.58
Current: 1.36

0.33
2.58
P/S 3.96
FFIC's P/S is ranked higher than
70% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.59 vs. FFIC: 3.96 )
FFIC' s 10-Year P/S Range
Min: 0.96   Max: 5.21
Current: 3.96

0.96
5.21
PFCF 10.47
FFIC's PFCF is ranked higher than
86% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. FFIC: 10.47 )
FFIC' s 10-Year PFCF Range
Min: 3.9   Max: 20.69
Current: 10.47

3.9
20.69
EV-to-EBIT 20.37
FFIC's EV-to-EBIT is ranked higher than
70% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.57 vs. FFIC: 20.37 )
FFIC' s 10-Year EV-to-EBIT Range
Min: 13.2   Max: 41.1
Current: 20.37

13.2
41.1
PEG 5.40
FFIC's PEG is ranked higher than
84% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. FFIC: 5.40 )
FFIC' s 10-Year PEG Range
Min: 0.59   Max: 138.83
Current: 5.4

0.59
138.83
Shiller P/E 16.41
FFIC's Shiller P/E is ranked higher than
89% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. FFIC: 16.41 )
FFIC' s 10-Year Shiller P/E Range
Min: 3.78   Max: 23.06
Current: 16.41

3.78
23.06

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.94
FFIC's Dividend Yield is ranked higher than
65% of the 1880 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.31 vs. FFIC: 2.94 )
FFIC' s 10-Year Dividend Yield Range
Min: 1.51   Max: 11.02
Current: 2.94

1.51
11.02
Dividend Payout 0.38
FFIC's Dividend Payout is ranked higher than
72% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.61 vs. FFIC: 0.38 )
FFIC' s 10-Year Dividend Payout Range
Min: 0.16   Max: 1.18
Current: 0.38

0.16
1.18
Yield on cost (5-Year) 3.00
FFIC's Yield on cost (5-Year) is ranked higher than
58% of the 1893 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.58 vs. FFIC: 3.00 )
FFIC' s 10-Year Yield on cost (5-Year) Range
Min: 1.51   Max: 11.02
Current: 3

1.51
11.02
Share Buyback Rate 0.30
FFIC's Share Buyback Rate is ranked higher than
89% of the 1479 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 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 1.41
FFIC's Price/Tangible Book is ranked higher than
75% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 vs. FFIC: 1.41 )
FFIC' s 10-Year Price/Tangible Book Range
Min: 0.45   Max: 2.46
Current: 1.41

0.45
2.46
Price/DCF (Projected) 0.67
FFIC's Price/DCF (Projected) is ranked higher than
86% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.17 vs. FFIC: 0.67 )
FFIC' s 10-Year Price/DCF (Projected) Range
Min: 0.25   Max: 1.06
Current: 0.67

0.25
1.06
Price/Median PS Value 1.06
FFIC's Price/Median PS Value is ranked higher than
82% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.22 vs. FFIC: 1.06 )
FFIC' s 10-Year Price/Median PS Value Range
Min: 0.33   Max: 1.88
Current: 1.06

0.33
1.88
Price/Graham Number 0.93
FFIC's Price/Graham Number is ranked higher than
81% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. FFIC: 0.93 )
FFIC' s 10-Year Price/Graham Number Range
Min: 0.35   Max: 1.36
Current: 0.93

0.35
1.36
Earnings Yield (Greenblatt) 4.90
FFIC's Earnings Yield (Greenblatt) is ranked higher than
66% of the 2006 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 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) 14.77
FFIC's Forward Rate of Return (Yacktman) is ranked higher than
72% of the 1250 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.90 vs. FFIC: 14.77 )
FFIC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.6   Max: 28
Current: 14.77

0.6
28

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, ISBC » details
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 Corporation to Speak to Institutional Investors Dec 03 2014
FLUSHING FINANCIAL CORP Files SEC form 8-K, Other Events Dec 03 2014
Flushing Financial Corporation to Speak to Institutional Investors Dec 03 2014
Flushing Financial Corporation to Speak to Insitutional Investors Dec 01 2014
FLUSHING FINANCIAL CORP Files SEC form 8-K, Other Events Dec 01 2014
Flushing Financial Corporation to Speak to Insitutional Investors Dec 01 2014
Flushing Financial Corporation Declares Quarterly Dividend of $0.15 Per Share Nov 19 2014
FLUSHING FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 19 2014
Flushing Financial Corporation Declares Quarterly Dividend of $0.15 Per Share Nov 18 2014
FLUSHING FINANCIAL CORP Financials Nov 14 2014
10-Q for Flushing Financial Corp. Nov 10 2014
FLUSHING FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Nov 07 2014
Flushing Financial Corporation Reports 12% Increase in Core Diluted EPS From Prior Year Comparable... Oct 27 2014
FLUSHING FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition Oct 27 2014
Flushing Financial Corporation Reports 12% Increase in Core Diluted EPS From Prior Year Comparable... Oct 27 2014
FLUSHING FINANCIAL CORP Files SEC form 8-K, Other Events Aug 28 2014
FLUSHING FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Aug 21 2014
FLUSHING FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Aug 20 2014
FLUSHING FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Aug 11 2014
FLUSHING FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition Jul 29 2014

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)
Free 7-day Trial
FEEDBACK