Flushing Financial Corporation Common Stock (FFIC)
FairStock Score: 50/100 — MIXED
Key Financials
| Current Price | $15.49 |
| Market Cap | $542M |
| P/E Ratio | 15.49 |
| ROE | 4.93% |
| Dividend Yield | 5.68% |
| Sector | Financial Services |
AI Analysis
AI-generated, general educational analysis — not personal investment advice.
At $15.49 on 2026-06-01, Flushing Financial has a market value near $542 million. It is a straightforward bank holding company: deposits, multifamily and commercial real estate loans, and 567 employees. The price-to-book ratio of 0.75, a FairStock calculation, tells me Mr. Market values it below stated book value. That can be an opportunity if the loan book is sound, but a trap if credit losses are hidden. Return on equity is only 4.93%, well below what I want from a bank. The Piotroski F-score is 3/9 and the FairStock score is 50/100, reinforcing the picture of a business that is not firing on all cylinders. The latest filed quarter, 2026-Q1, showed $57.0 million of revenue, $5.8 million of net income and a 10.24% margin; profitable, but thin. The dividend yield is 5.68%, and beta is 0.76, so the stock has been less volatile than the market. A FairStock P/E of 15.49 at the 2026-06-01 close is not demanding, and a PEG of 0.14 looks attractive only if the very high growth figures in the dataset are real and sustainable; no clear comparison period is given, so I am skeptical. For a bank, I need CET1, net interest margin, loan-loss reserves and non-performing loan trends. None are in the data. Without those, a 0.75 P/B and a 5.68% yield are not enough. I would call it a mediocre bank at a statistically cheap price, requiring proof of credit quality before enthusiasm.
In plain English: Flushing Financial is a small bank holding company that takes deposits and makes loans, mostly in the New York area. Its latest quarter was profitable but not very strong, and the stock trades below the accounting value of its assets. At $15.49, the price looks cheap on asset value but only average compared with the profit it produces.
The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.
Data as of 2026-06-01 close · note generated 2026-10-15 · model deepseek-flash
Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer