FFIC
Financial ServicesFlushing Financial Corporation · Banks - Regional · $540M
What is Flushing Financial Corporation?
Flushing Financial Corporation is the holding company for Flushing Bank, a community-focused institution serving consumers, businesses, and municipalities across the New York City metro area. The bank has deep roots in Queens, Brooklyn, Manhattan, and Long Island.
Flushing Bank generates revenue primarily through traditional banking activities — accepting deposits and originating loans. Its lending portfolio leans heavily on multi-family residential and commercial real estate mortgages in the New York market. The bank also serves public municipalities, offering specialized deposit and cash-management services to local government entities, school districts, and courts.
Flushing Financial was founded in 1995 and is headquartered in Uniondale, New York.
- Multi-family and commercial real estate mortgage loans
- Small business and SBA lending
- Consumer and municipal deposit accounts
- Mortgage-backed and fixed-income securities
Is FFIC a Good Stock to Buy?
UQS Score rates FFIC as Below Average overall, reflecting meaningful headwinds across several key quality dimensions.
The Risk and Valuation pillars are the relative bright spots in FFIC's profile. The bank's risk posture scores Good, suggesting manageable credit and operational exposure relative to peers, while its Valuation pillar also lands at Good, indicating the stock does not appear richly priced by the market.
Quality and Moat both register as Weak, pointing to below-average returns and a limited competitive advantage in a crowded regional banking landscape.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does FFIC pay dividends?
Yes — Flushing Financial Corporation pays a dividend.
Flushing Financial pays a regular dividend, which is common among community and regional banks that prioritize returning capital to shareholders. For income-oriented investors, the dividend reflects the bank's commitment to distributions even as it navigates a competitive lending environment. Investors should verify the current yield and payout cadence on the company's investor relations page.
When does FFIC report earnings?
Flushing Financial reports earnings on a quarterly cadence, consistent with standard practice for US-listed bank holding companies.
The bank's recent results have reflected the broader pressures facing community lenders — including net interest margin compression and elevated funding costs. Growth has been Neutral per the UQS framework, suggesting neither meaningful acceleration nor sharp deterioration in the core business.
For the most recent quarter's results and guidance, visit Flushing Financial's investor relations page directly.
FFIC Price History
-9.4% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
FFIC Long-term Outlook
FFIC's fundamental outlook is shaped by its Neutral Growth profile and Good Risk standing. The bank is not positioned as a high-growth lender, but its risk management appears adequate relative to small-cap regional peers. Valuation at Good levels suggests the market has already priced in much of the uncertainty. The primary challenge remains improving profitability metrics, which currently weigh on the Quality and Moat pillars.
Growth drivers
- Continued demand for multi-family and commercial real estate lending in the New York metro market
- Municipal banking relationships providing stable, low-cost deposit funding
- Potential margin recovery if interest rate conditions normalize
Key risks
- Concentrated exposure to New York City real estate cycles
- Weak competitive moat in a market served by larger, better-capitalized banks
- Sustained pressure on net interest margins in a competitive deposit environment
FFIC vs Peers
FFIC competes with other small-cap community banks, each with distinct geographic footprints and lending focuses.
Unity Bancorp operates primarily in New Jersey and eastern Pennsylvania, giving it a different regional concentration than FFIC's New York City focus.
Northrim BanCorp serves Alaska-based communities, making its loan portfolio and economic drivers distinctly different from FFIC's dense urban market.
Carter Bankshares is a Virginia and North Carolina community lender, competing in a less concentrated real estate market than Flushing Bank's New York footprint.
Frequently Asked Questions
What does Flushing Financial do?
Flushing Financial is the holding company for Flushing Bank, which provides deposit accounts, mortgage loans, small business lending, and municipal banking services. The bank operates primarily across New York City's boroughs and Long Island, with a strong focus on multi-family and commercial real estate lending.
Does FFIC pay dividends?
Yes, Flushing Financial pays a regular dividend. Community banks like FFIC commonly return capital to shareholders through dividends. For the current dividend amount and schedule, check the company's investor relations page, as figures can change with each board declaration.
When does FFIC report earnings?
Flushing Financial reports on a quarterly cadence, as is standard for US-listed bank holding companies. Exact dates are announced in advance by the company. Visit Flushing Financial's investor relations page for the current earnings calendar.
Is FFIC a good stock to buy?
UQS Score rates FFIC as Below Average overall. The Risk and Valuation pillars show relative strength, but Quality and Moat are both Weak. Whether FFIC fits your portfolio depends on your risk tolerance and investment goals. The full pillar breakdown is available to UQS Pro members.
Is FFIC overvalued?
The UQS Valuation pillar for FFIC is rated Good, suggesting the stock is not considered richly priced relative to its fundamentals. That said, valuation alone does not make a complete investment case — quality and growth factors also matter significantly.
How does FFIC compare to its competitors?
Compared to peers like Unity Bancorp, Northrim BanCorp, and Carter Bankshares, FFIC is distinguished by its dense New York City market focus and municipal banking relationships. Each competitor operates in different regional economies, which affects their loan mix and growth dynamics differently.
What is FFIC's market cap bracket?
Flushing Financial is classified as a small-cap stock. This places it among smaller regional and community banks, which typically carry different liquidity profiles and analyst coverage levels compared to large-cap financial institutions.
Who founded Flushing Financial?
Flushing Financial Corporation was founded in 1995. The company's longer banking heritage traces back through Flushing Bank, which has served the New York City area for decades. For detailed founding history, the company's official website and SEC filings are reliable sources.
Is FFIC a long-term quality investment?
As a long-term quality indicator, FFIC's Below Average UQS Score — driven by Weak Quality and Moat pillars — suggests the bank faces structural challenges in sustaining competitive returns over time. The Good Risk and Valuation scores provide some cushion, but long-term quality investors typically seek stronger moat and quality profiles.
What sector does FFIC belong to?
FFIC operates in the Financial Services sector, specifically as a community bank holding company. Community banks in this sector tend to be more sensitive to regional economic conditions and interest rate cycles than larger diversified financial institutions.
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Pro Analysis
FFIC — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 42.6 | 43.3 | 21.0 | 47.3 | 28.4 | 85.7 | -2.2 |
| May 3, 2026 | 44.8 | 36.6 | 21.0 | 47.3 | 61.2 | 78.4 | 0.0 |
| May 1, 2026 | 44.8 | 36.6 | 21.0 | 47.3 | 61.2 | 78.6 | -0.2 |
| Apr 26, 2026 | 45.0 | 36.6 | 21.0 | 47.3 | 61.2 | 79.5 | +0.1 |
| Apr 19, 2026 | 44.9 | 36.6 | 21.0 | 47.3 | 61.2 | 79.1 | -0.1 |
| Apr 18, 2026 | 45.0 | 36.6 | 21.0 | 47.3 | 61.2 | 80.0 | -3.0 |
| Apr 2, 2026 | 48.0 | 36.6 | 21.0 | 47.3 | 61.2 | 100.0 | — |
FFIC — Pillar Breakdown
Quality
— 43.3/100 (25%)Flushing Financial Corporation has average quality metrics, with room for improvement in margins or capital efficiency.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 47.3/100 (20%)Flushing Financial Corporation shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 28.4/100 (15%)Flushing Financial Corporation presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 86.1/100 (15%)Flushing Financial Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 21/100 (25%)Flushing Financial Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for FFIC.
Score Composition
Financial Data
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How is the FFIC UQS Score Calculated?
The UQS (Unified Quality Score) for Flushing Financial Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Flushing Financial Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Flushing Financial Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.