Flushing Financial Corporation (FFIC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Flushing Financial Corporation stock (FFIC) is currently trading at $15.03. Flushing Financial Corporation PE ratio is 27.41. Flushing Financial Corporation PS ratio (Price-to-Sales) is 2.22. Analyst consensus price target for FFIC is $16.80. WallStSmart rates FFIC as Hold.
- FFIC PE ratio analysis and historical PE chart
- FFIC PS ratio (Price-to-Sales) history and trend
- FFIC intrinsic value — DCF, Graham Number, EPV models
- FFIC stock price prediction 2025 2026 2027 2028 2029 2030
- FFIC fair value vs current price
- FFIC insider transactions and insider buying
- Is FFIC undervalued or overvalued?
- Flushing Financial Corporation financial analysis — revenue, earnings, cash flow
- FFIC Piotroski F-Score and Altman Z-Score
- FFIC analyst price target and Smart Rating
Flushing Financial Corporation
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FFIC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Flushing Financial Corporation (FFIC)
FFIC trades 328% above its Graham fair value of $3.84, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Flushing Financial Corporation (FFIC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, price/book, institutional own.. Concerns around return on equity and eps growth. Fundamentals are solid but monitor weak areas for improvement.
Flushing Financial Corporation (FFIC) Key Strengths (3)
Trading below book value, meaning the market prices it less than net assets
74.81% of shares held by major funds and institutions
Good growth relative to its price
Supporting Valuation Data
Flushing Financial Corporation (FFIC) Areas to Watch (7)
Very low returns on shareholder equity
Earnings barely growing at 0.20%
Thin profit margins with limited profitability
Small-cap company with higher risk but more growth potential
Decent operational efficiency, solid but not exceptional
Revenue is fairly priced at 2.22x sales
Solid revenue growth at 13.30% per year
Supporting Valuation Data
Flushing Financial Corporation (FFIC) Detailed Analysis Report
Overall Assessment
This company scores 58/100 in our Smart Analysis, earning a C grade. Out of 10 metrics analyzed, 3 register as strengths (avg 9.3/10) while 7 fall into concern territory (avg 4.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Book, Institutional Own., PEG Ratio. Valuation metrics including PEG Ratio (1.34), Price/Book (0.71) suggest the stock is attractively priced.
The Bear Case
The primary concerns are Return on Equity, EPS Growth, Profit Margin. Some valuation metrics including Price/Sales (2.22) suggest expensive pricing. Growth concerns include Revenue Growth at 13.30%, EPS Growth at 0.20%, which may limit upside. Profitability pressure is visible in Return on Equity at 2.64%, Operating Margin at 16.20%, Profit Margin at 8.35%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 2.64% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 13.30% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Price/Book, Institutional Own.) and negatives (Return on Equity, EPS Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FFIC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FFIC's Price-to-Sales ratio of 2.22x trades 20% below its historical average of 2.77x (32th percentile). The current valuation is 52% below its historical high of 4.65x set in Dec 2016, and 167% above its historical low of 0.83x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Flushing Financial Corporation (FFIC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Flushing Financial Corporation operates as a stable business with moderate growth and solid fundamentals. Revenue reached 226M with 13% growth year-over-year. Profit margins are thin at 8.3%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
ROE of 264.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 7M in free cash flow and 9M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Margin expansion: can Flushing Financial Corporation push profit margins above 15% as the business scales?
Dividend sustainability with a current yield of 5.8%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Flushing Financial Corporation.
Bottom Line
Flushing Financial Corporation offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Flushing Financial Corporation(FFIC)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Flushing Financial Corporation is the banking holding company for Flushing Bank offering banking products and services primarily to consumers, businesses and government units. The company is headquartered in Uniondale, New York.