ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Flushing Financial Corp. ?
1
- CASH AND EQV(HY) Highest at USD 422.03 MM
- OPERATING PROFIT(Q) Highest at USD 18.94 MM
- OPERATING PROFIT MARGIN(Q) Highest at 16.07 %
2
Risky - Negative EBITDA
- The stock is trading risky as compared to its average historical valuations
- Over the past year, while the stock has generated a return of -10.16%, its profits have fallen by -191.2%
- At the current price, the company has a high dividend yield of 566.4
3
High Institutional Holdings at 85.49%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 6.92% over the previous quarter.
4
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -10.16% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
Real-Time Research ReportHow 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, High Return
Absolute
Risk Adjusted
Volatility
Flushing Financial Corp.
-3.48%
1.04
35.34%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.76%
EBIT Growth (5y)
-212.15%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
85.49%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
0.64
EV to EBIT
-10.85
EV to EBITDA
-12.33
EV to Capital Employed
0.67
EV to Sales
1.08
PEG Ratio
NA
Dividend Yield
566.43%
ROCE (Latest)
-6.17%
ROE (Latest)
-3.87%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What is working for the Company
CASH AND EQV(HY)
Highest at USD 422.03 MM
OPERATING PROFIT(Q)
Highest at USD 18.94 MM
OPERATING PROFIT MARGIN(Q)
Highest at 16.07 %
PRE-TAX PROFIT(Q)
Highest at USD 18.94 MM
NET PROFIT(Q)
Highest at USD 13.96 MM
EPS(Q)
Highest at USD 0.41
-8What is not working for the Company
NET PROFIT(9M)
At USD -27.44 MM has Grown at -260.42%
CREDIT DEPOSIT RATIO(HY)
Lowest at 92.05%
GROSS NPA (%)
(Q
Here's what is working for Flushing Financial Corp.
Pre-Tax Profit
At USD 18.94 MM has Grown at 282.26%
over average net sales of the previous four periods of USD -10.39 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 13.96 MM has Grown at 305.54%
over average net sales of the previous four periods of USD -6.79 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Operating Profit
Highest at USD 18.94 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 16.07 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 18.94 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 13.96 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.41
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 422.03 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
CASA
Highest at 11.1%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Flushing Financial Corp.
Non Performing Loans (%)
Highest at 0.73%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Credit Deposit Ratio
Lowest at 92.05% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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