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)

Washington Trust Bancorp, Inc.

Camden National Corp. (Maine)

Flushing Financial Corp.

Central Pacific Financial Corp.

Independent Bank Corp. (Michigan)

Metropolitan Bank Holding Corp.

HarborOne Bancorp, Inc.

South Plains Financial, Inc. (Texas)

Luther Burbank Corp.

Midland States Bancorp, Inc.

Why is Flushing Financial Corp. ?

With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25

PRE-TAX PROFIT(Q) At USD 7.84 MM has Grown at 213.82%
NET PROFIT(Q) At USD 4.03 MM has Grown at 193.85%
OPERATING CASH FLOW(Y) Highest at USD 52.19 MM

With ROA of 0.27%, it has a very attractive valuation with a 0.79 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 12.69%, its profits have risen by 215.3% ; 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 83.56%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

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, High Return

Absolute

Risk Adjusted

Volatility

Flushing Financial Corp.

12.16%

0.78

33.70%

S&P 500

13.68%

0.71

19.28%

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

162.96%

Pledged Shares

Institutional Holding

83.56%

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

0.79

EV to EBIT

19.24

EV to EBITDA

17.27

EV to Capital Employed

0.86

EV to Sales

1.92

PEG Ratio

0.08

Dividend Yield

5.28%

ROCE (Latest)

4.47%

ROE (Latest)

5.10%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bearish

Mildly Bullish

OBV

No Trend

Mildly Bullish

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

21What is working for the Company

PRE-TAX PROFIT(Q)

At USD 7.84 MM has Grown at 213.82%

NET PROFIT(Q)

At USD 4.03 MM has Grown at 193.85%

OPERATING CASH FLOW(Y)

Highest at USD 52.19 MM

NII(Q)

Highest at USD 55.88 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 191.14%

-3What is not working for the Company

CREDIT DEPOSIT RATIO(HY)

Lowest at 91%

NET SALES(Q)

Lowest at USD 116.19 MM

Here's what is working for Flushing Financial Corp.

Pre-Tax Profit

At USD 7.84 MM has Grown at 213.82%

over average net sales of the previous four periods of USD -6.88 MM

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 4.03 MM has Grown at 193.85%

over average net sales of the previous four periods of USD -4.29 MM

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

NII

Highest at USD 55.88 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Operating Cash Flow

Highest at USD 52.19 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Dividend Payout Ratio

Highest at 191.14%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

CASA

Highest at 11.36%

in the last five periods

MOJO 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.

Credit Deposit Ratio

Lowest at 91% and Fallen

In each half year 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 (%)

Net Sales

Lowest at USD 116.19 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)