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Upturn AI SWOT - About
Flushing Financial Corporation (FFIC)
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Upturn Advisory Summary
03/10/2025: FFIC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -43.25% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/10/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 431.67M USD | Price to earnings Ratio - | 1Y Target Price 15.62 |
Price to earnings Ratio - | 1Y Target Price 15.62 | ||
Volume (30-day avg) 286670 | Beta 0.81 | 52 Weeks Range 10.08 - 18.05 | Updated Date 04/2/2025 |
52 Weeks Range 10.08 - 18.05 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 6.96% | Basic EPS (TTM) -1.05 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -27.21% | Operating Margin (TTM) 256.52% |
Management Effectiveness
Return on Assets (TTM) -0.36% | Return on Equity (TTM) -4.49% |
Valuation
Trailing PE - | Forward PE 10.31 | Enterprise Value 1246059136 | Price to Sales(TTM) 3.75 |
Enterprise Value 1246059136 | Price to Sales(TTM) 3.75 | ||
Enterprise Value to Revenue 11.14 | Enterprise Value to EBITDA - | Shares Outstanding 33776700 | Shares Floating 32299971 |
Shares Outstanding 33776700 | Shares Floating 32299971 | ||
Percent Insiders 4.15 | Percent Institutions 72.25 |
Analyst Ratings
Rating 3.25 | Target Price 17.38 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Flushing Financial Corporation
Company Overview
History and Background
Flushing Financial Corporation was founded in 1929 and is headquartered in Lake Success, New York. It began as a savings and loan association and has grown into a community-oriented commercial bank serving the New York metropolitan area.
Core Business Areas
- Commercial Real Estate Lending: Providing financing for commercial real estate projects, including multi-family residential, office, retail, and industrial properties.
- Commercial Business Lending: Offering loans to businesses for various purposes, such as working capital, equipment financing, and expansion.
- Residential Mortgage Lending: Origination of residential mortgages for purchase or refinance.
- Retail Banking: Providing traditional banking services to individuals, including deposit accounts, loans, and other financial products.
Leadership and Structure
John R. Buran serves as the Chairman, President, and Chief Executive Officer. The company has a board of directors and operates through various departments, including lending, retail banking, and finance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share is regional within the NYC metro area and difficult to pinpoint precisely. Competitors include larger national and regional banks like New York Community Bancorp (NYCB), Valley National Bancorp (VLY), and Signature Bank (SBNY), although SBNY was acquired by NYCB in 2023.
- Mortgage Loans: Loans secured by residential real estate, for purchase or refinance. Market share is also regional. Competitors are similar to commercial real estate loans, but also include companies like Rocket Mortgage (RKT).
Market Dynamics
Industry Overview
The banking industry is currently facing challenges including rising interest rates, increased regulatory scrutiny, and economic uncertainty. Community banks are also impacted by competition from larger national banks and fintech companies.
Positioning
Flushing Financial Corporation is a community-oriented commercial bank focused on the New York metropolitan area. Its competitive advantages include its local market knowledge, personalized service, and strong customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in the New York metropolitan area is substantial, estimated to be in the hundreds of billions of dollars. Flushing Financial Corporation is well-positioned to capture a portion of this market through its focus on local businesses and individuals.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Solid customer relationships
- Sound asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Reliance on the New York metropolitan area economy
Opportunities
- Expanding into new markets within the New York area
- Increasing penetration of existing markets
- Developing new products and services
- Leveraging technology to improve efficiency and customer service
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn in the New York metropolitan area
- Increased regulatory scrutiny
Competitors and Market Share
Key Competitors
- NYCB
- VLY
- TCBI
Competitive Landscape
Flushing Financial Corporation competes with larger regional and national banks. It differentiates itself through its local market knowledge and personalized service. It's smaller scale is both a strength (nimbleness) and weakness (limited resources).
Major Acquisitions
Empire National Bank
- Year: 2019
- Acquisition Price (USD millions): 77.6
- Strategic Rationale: Expanded presence in Long Island market.
Growth Trajectory and Initiatives
Historical Growth: Flushing Financial Corporation's growth has been steady, driven by organic growth and strategic acquisitions.
Future Projections: Analysts expect Flushing Financial Corporation to continue to grow its loan portfolio and deposit base in the coming years.
Recent Initiatives: Recent initiatives include expanding its online banking platform and investing in new technologies to improve efficiency.
Summary
Flushing Financial Corporation is a well-established community bank with a strong presence in the New York metropolitan area. Its strengths include its local market knowledge and customer relationships, but it faces challenges from rising interest rates and increased competition. Recent initiatives and strategic acquisitions have positioned it for continued growth, though it must carefully manage risk in a volatile economic environment.
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Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Flushing Financial Corporation
Exchange NASDAQ | Headquaters Uniondale, NY, United States | ||
IPO Launch date 1995-11-21 | President, CEO & Director Mr. John R. Buran | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 571 | Website https://www.flushingbank.com |
Full time employees 571 | Website https://www.flushingbank.com | ||
Flushing Financial Corporation operates as the bank holding company for Flushing Bank that provides banking products and services primarily to consumers, businesses, and governmental units. It offers various deposit products, including checking and savings accounts, money market accounts, non-interest bearing demand accounts, NOW accounts, and certificates of deposit. The company provides mortgage loans secured by multi-family residential, commercial real estate, one-to-four family mixed-use property, one-to-four family residential property, and commercial business loans; construction loans; small business administration loans and other small business loans; mortgage loan surrogates, such as mortgage-backed securities; and consumer loans, including overdraft lines of credit, as well as the United States government securities, corporate fixed-income securities, and other marketable securities. It operates full-service banking offices in Queens, Nassau, Suffolk, Kings, and New York counties, New York; and an internet branch under the iGObanking and BankPurely brands. The company was founded in 1929 and is based in Uniondale, New York.
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