Flushing Financial Corp. (FFIC) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

CNB Financial Corp. (Pennsylvania)

Metropolitan Bank Holding Corp.

Camden National Corp. (Maine)

Washington Trust Bancorp, Inc.

HarborOne Bancorp, Inc.

South Plains Financial, Inc. (Texas)

Central Pacific Financial Corp.

Flushing Financial Corp.

Independent Bank Corp. (Michigan)

Midland States Bancorp, Inc.

Luther Burbank Corp.

Why is Flushing Financial Corp. ?

Positive results in Mar 26

OPERATING CASH FLOW(Y) Highest at USD 45.27 MM
NET PROFIT(HY) Higher at USD 9.56 MM
ROCE(HY) Highest at 0.38%

With ROA of 0.23%, it has a very attractive valuation with a 0.78 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 29.89%, its profits have risen by 214.9% ; the PEG ratio of the company is 0.1
At the current price, the company has a high dividend yield of 5.3

High Institutional Holdings at 87.68%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 4.12% over the previous quarter.

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Flushing Financial Corp. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Flushing Financial Corp. for you?

Medium Risk, Medium Return

Absolute

Risk Adjusted

Volatility

Flushing Financial Corp.

29.89%

0.94

31.19%

S&P 500

20.78%

1.67

13.28%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

11.82%

EBIT Growth (5y)

7.21%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

162.48%

Pledged Shares

Institutional Holding

87.68%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.78

EV to EBIT

19.74

EV to EBITDA

17.72

EV to Capital Employed

0.86

EV to Sales

1.97

PEG Ratio

0.08

Dividend Yield

5.34%

ROCE (Latest)

4.35%

ROE (Latest)

5.08%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

No Trend

Mildly Bearish

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

13What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 45.27 MM

NET PROFIT(HY)

Higher at USD 9.56 MM

ROCE(HY)

Highest at 0.38%

-10What is not working for the Company

ROCE(HY)

Lowest at 0.38%

PRE-TAX PROFIT(Q)

At USD 8.19 MM has Fallen at -37.16%

NET PROFIT(Q)

At USD 5.66 MM has Fallen at -37.15%

GROSS NPA (%)

CREDIT DEPOSIT RATIO(HY)

Lowest at 86.56%

NET SALES(Q)

Lowest at USD 113.38 MM

Here's what is working for Flushing Financial Corp.

Operating Cash Flow

Highest at USD 45.27 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Depreciation

Highest at USD 1.4 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (USD MM)

Here's what is not working for Flushing Financial Corp.

Pre-Tax Profit

At USD 8.19 MM has Fallen at -37.16%

over average net sales of the previous four periods of USD 13.04 MM

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit

At USD 5.66 MM has Fallen at -37.15%

over average net sales of the previous four periods of USD 9 MM

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

Non Performing Loans (%)

Highest at 0.77%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Net Sales

Lowest at USD 113.38 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)

Credit Deposit Ratio

Lowest at 86.56%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)