What is Flushing Finl Corp's earnings per share (EPS)?

Flushing Finl Corp (FFIC) reported diluted earnings per share of $0.54 for fiscal year 2025. This represents a 150.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Flushing Finl Corp Financials

FFIC

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Flushing Finl Corp (FFIC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 41/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Flushing Finl Corp's revenue grew 7.3% year-over-year to $7.5M, a solid pace of expansion. This earns a growth score of 46/100.

Leverage

Flushing Finl Corp has elevated debt relative to equity (D/E of 11.28), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Flushing Finl Corp converts 748.5% of revenue into free cash flow ($55.8M). This strong cash generation earns a score of 100/100.

Returns

Flushing Finl Corp generates a 2.7% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 17/100. This is up from -4.3% the prior year.

Piotroski F-Score Neutral

5/9

Flushing Finl Corp passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

3.23x

For every $1 of reported earnings, Flushing Finl Corp generates $3.23 in operating cash flow ($61.0M OCF vs $18.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$7.5M

YoY+7.3%

5Y CAGR+10.6%

10Y CAGR-28.2%

Flushing Finl Corp generated $7.5M in revenue in fiscal year 2025. This represents an increase of 7.3% from the prior year.

EBITDA

N/A

Net Income

$18.9M

YoY+160.3%

5Y CAGR-11.4%

10Y CAGR-8.6%

Flushing Finl Corp reported $18.9M in net income in fiscal year 2025. This represents an increase of 160.3% from the prior year.

EPS (Diluted)

$0.54

YoY+150.5%

5Y CAGR-14.5%

10Y CAGR-10.2%

Flushing Finl Corp earned $0.54 per diluted share (EPS) in fiscal year 2025. This represents an increase of 150.5% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$55.8M

YoY+452.4%

5Y CAGR-4.1%

10Y CAGR+5.2%

Flushing Finl Corp generated $55.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 452.4% from the prior year.

Cash & Debt

$126.1M

YoY-17.4%

5Y CAGR-4.3%

10Y CAGR+11.5%

Flushing Finl Corp held $126.1M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.22

YoY+0.0%

5Y CAGR-23.5%

Flushing Finl Corp paid $0.22 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

34M

YoY+0.4%

5Y CAGR+1.9%

10Y CAGR+1.6%

Flushing Finl Corp had 34M shares outstanding in fiscal year 2025. This represents an increase of 0.4% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

253.3%

YoY+704.3pp

5Y CAGR-517.3pp

10Y CAGR+230.6pp

Flushing Finl Corp's net profit margin was 253.3% in fiscal year 2025, showing the share of revenue converted to profit. This is up 704.3 percentage points from the prior year.

Return on Equity

2.7%

YoY+7.0pp

5Y CAGR-2.9pp

10Y CAGR-7.1pp

Flushing Finl Corp's ROE was 2.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 7.0 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$5.2M

YoY+126.0%

5Y CAGR+15.8%

10Y CAGR-7.3%

Flushing Finl Corp invested $5.2M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 126.0% from the prior year.

FFIC Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$7.5M+7.3%	$6.9M-19.7%	$8.7M+68.9%	$5.1M-14.1%	$6.0M+32.6%	$4.5M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$250.7M-11.5%	$283.4M+27.4%	$222.3M+204.5%	$73.0M+79.9%	$40.6M-41.3%	$69.1M
Income Tax	$15.6M+192.4%	-$16.9M-251.6%	$11.2M-60.0%	$27.9M+1.5%	$27.5M+161.6%	$10.5M
Net Income	$18.9M+160.3%	-$31.3M-209.3%	$28.7M-62.7%	$76.9M-5.9%	$81.8M+135.9%	$34.7M
EPS (Diluted)	$0.54+150.5%	$-1.07-211.5%	$0.96-61.6%	$2.50-3.5%	$2.59+119.5%	$1.18

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$2.0M-0.7%	$2.0M+2.7%	$1.9M+28.1%	$1.5M-98.7%	$120.0M+6606.1%	$1.8M+13.1%	$1.6M+13.6%	$1.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$60.3M-3.7%	$62.6M-2.4%	$64.2M+1.0%	$63.5M-7.6%	$68.8M-10.6%	$77.0M+9.3%	$70.5M+5.0%	$67.1M
Income Tax	$3.8M+17.9%	$3.2M-31.7%	$4.7M+22.5%	$3.9M+117.1%	-$22.6M-986.4%	$2.6M+40.6%	$1.8M+38.2%	$1.3M
Net Income	$4.0M-61.5%	$10.4M-26.4%	$14.2M+245.0%	-$9.8M+80.1%	-$49.2M-652.9%	$8.9M+67.3%	$5.3M+44.5%	$3.7M
EPS (Diluted)	N/A	$0.30-26.8%	$0.41+241.4%	$-0.29+82.0%	$-1.61-636.7%	$0.30+66.7%	$0.18+50.0%	$0.12

FFIC Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$8.7B-3.8%	$9.0B+5.9%	$8.5B+1.4%	$8.4B+4.7%	$8.0B+0.9%	$8.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$126.1M-17.4%	$152.6M-11.4%	$172.2M+13.4%	$151.8M+85.7%	$81.7M-48.1%	$157.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	$17.6M0.0%	$17.6M0.0%	$17.6M0.0%	$17.6M0.0%	$17.6M
Total Liabilities	$8.0B-4.0%	$8.3B+5.7%	$7.9B+1.6%	$7.7B+5.2%	$7.4B+0.1%	$7.4B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$708.0M-2.3%	$724.5M+8.2%	$669.8M-1.1%	$677.2M-0.4%	$679.6M+9.8%	$619.0M
Retained Earnings	$480.4M-2.4%	$492.0M-10.5%	$549.7M+0.4%	$547.5M+10.0%	$497.9M+12.4%	$442.8M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$8.7B-2.0%	$8.9B+1.1%	$8.8B-2.6%	$9.0B-0.3%	$9.0B-2.6%	$9.3B+2.0%	$9.1B+3.3%	$8.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$126.1M-11.8%	$142.9M-4.8%	$150.1M-44.8%	$271.9M+78.2%	$152.6M-43.0%	$267.6M+70.6%	$156.9M-25.5%	$210.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	$17.6M0.0%	$17.6M0.0%	$17.6M0.0%	$17.6M
Total Liabilities	$8.0B-2.1%	$8.2B+1.1%	$8.1B-2.8%	$8.3B-0.1%	$8.3B-3.5%	$8.6B+2.2%	$8.4B+3.6%	$8.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$708.0M-0.5%	$711.2M+0.7%	$706.4M+0.5%	$702.9M-3.0%	$724.5M+8.6%	$666.9M+0.2%	$665.3M-0.7%	$669.8M
Retained Earnings	$480.4M-0.7%	$483.9M+0.6%	$481.1M+1.4%	$474.5M-3.6%	$492.0M-10.2%	$547.7M+0.4%	$545.3M-0.2%	$546.5M

FFIC Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$61.0M+391.6%	$12.4M-64.1%	$34.6M-59.7%	$85.8M-3.2%	$88.6M+24.3%	$71.3M
Capital Expenditures	$5.2M+126.0%	$2.3M-57.9%	$5.5M+26.4%	$4.3M+18.0%	$3.7M+46.5%	$2.5M
Free Cash Flow	$55.8M+452.4%	$10.1M-65.3%	$29.1M-64.3%	$81.4M-4.1%	$84.9M+23.5%	$68.8M
Investing Cash Flow	$246.5M+148.8%	-$505.6M-436.4%	-$94.3M+73.2%	-$351.8M-229.5%	-$106.8M-214.7%	$93.1M
Financing Cash Flow	-$334.1M-170.5%	$473.6M+491.4%	$80.1M-76.2%	$336.1M+684.7%	-$57.5M-1.2%	-$56.8M
Dividends Paid	$30.3M+16.3%	$26.0M-0.8%	$26.3M-2.9%	$27.0M+1.9%	$26.5M+6.9%	$24.8M
Share Buybacks	N/A	N/A	$11.5M-57.9%	$27.2M+139.6%	$11.4M+193.3%	$3.9M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$8.8M-54.9%	$19.6M-24.1%	$25.8M+276.2%	$6.9M+86.8%	$3.7M-32.1%	$5.4M-43.5%	$9.6M+253.6%	-$6.2M
Capital Expenditures	$1.9M+696.7%	$244K-81.7%	$1.3M-21.8%	$1.7M+146.7%	$690K+24.5%	$554K-28.9%	$779K+171.4%	$287K
Free Cash Flow	$6.9M-64.4%	$19.3M-21.0%	$24.4M+374.7%	$5.2M+72.9%	$3.0M-38.6%	$4.8M-44.8%	$8.8M+234.9%	-$6.5M
Investing Cash Flow	$95.9M+373.6%	-$35.0M-132.1%	$109.0M+42.2%	$76.7M-47.9%	$147.1M+276.4%	-$83.4M+76.5%	-$355.3M-66.0%	-$214.0M
Financing Cash Flow	-$121.5M-1567.0%	$8.3M+103.2%	-$256.6M-816.5%	$35.8M+113.5%	-$265.8M-240.9%	$188.7M-35.4%	$291.9M+12.8%	$258.8M
Dividends Paid	$7.6M0.0%	$7.6M-0.1%	$7.6M+0.9%	$7.5M+16.4%	$6.5M-1.3%	$6.5M+0.6%	$6.5M-0.5%	$6.5M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	$0	$0	$0

FFIC Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	253.3%+704.3pp	-451.0%-782.4pp	331.3%-1170.9pp	1502.3%+131.0pp	1371.2%+600.7pp	770.5%
Return on Equity	2.7%+7.0pp	-4.3%-8.6pp	4.3%-7.1pp	11.4%-0.7pp	12.0%+6.4pp	5.6%
Return on Assets	0.2%+0.6pp	-0.4%-0.7pp	0.3%-0.6pp	0.9%-0.1pp	1.0%+0.6pp	0.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	11.28-0.2	11.48-0.3	11.75+0.3	11.44+0.6	10.84-1.0	11.89
FCF Margin	748.5%+603.1pp	145.4%-190.9pp	336.3%-1253.1pp	1589.5%+165.9pp	1423.6%-104.5pp	1528.1%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	202.7%-319.6pp	522.3%-206.8pp	729.1%+1373.2pp	-644.0%-603.0pp	-41.0%-538.6pp	497.5%+161.3pp	336.2%+71.9pp	264.3%
Return on Equity	0.6%-0.9pp	1.5%-0.5pp	2.0%+3.4pp	-1.4%+5.4pp	-6.8%-8.1pp	1.3%+0.5pp	0.8%+0.3pp	0.5%
Return on Assets	0.1%-0.1pp	0.1%-0.0pp	0.2%+0.3pp	-0.1%+0.4pp	-0.5%-0.6pp	0.1%+0.0pp	0.1%+0.0pp	0.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	11.28-0.2	11.47+0.0	11.42-0.4	11.82+0.3	11.48-1.4	12.92+0.2	12.67+0.5	12.15
FCF Margin	346.7%-619.1pp	965.9%-289.1pp	1254.9%+916.3pp	338.6%+336.1pp	2.5%-268.4pp	270.9%-284.4pp	555.3%+1022.8pp	-467.4%

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Frequently Asked Questions

What is Flushing Finl Corp's annual revenue?

Flushing Finl Corp (FFIC) reported $7.5M in total revenue for fiscal year 2025. This represents a 7.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Flushing Finl Corp's revenue growing?

Flushing Finl Corp (FFIC) revenue grew by 7.3% year-over-year, from $6.9M to $7.5M in fiscal year 2025.

Is Flushing Finl Corp profitable?

Yes, Flushing Finl Corp (FFIC) reported a net income of $18.9M in fiscal year 2025, with a net profit margin of 253.3%.

What is Flushing Finl Corp's net profit margin?

Flushing Finl Corp (FFIC) had a net profit margin of 253.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Flushing Finl Corp pay dividends?

Yes, Flushing Finl Corp (FFIC) paid $0.22 per share in dividends during fiscal year 2025.

What is Flushing Finl Corp's return on equity (ROE)?

Flushing Finl Corp (FFIC) has a return on equity of 2.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Flushing Finl Corp's free cash flow?

Flushing Finl Corp (FFIC) generated $55.8M in free cash flow during fiscal year 2025. This represents a 452.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Flushing Finl Corp's operating cash flow?

Flushing Finl Corp (FFIC) generated $61.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Flushing Finl Corp's total assets?

Flushing Finl Corp (FFIC) had $8.7B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Flushing Finl Corp's capital expenditures?

Flushing Finl Corp (FFIC) invested $5.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Flushing Finl Corp have outstanding?

Flushing Finl Corp (FFIC) had 34M shares outstanding as of fiscal year 2025.

What is Flushing Finl Corp's debt-to-equity ratio?

Flushing Finl Corp (FFIC) had a debt-to-equity ratio of 11.28 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Flushing Finl Corp's return on assets (ROA)?

Flushing Finl Corp (FFIC) had a return on assets of 0.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Flushing Finl Corp's Piotroski F-Score?

Flushing Finl Corp (FFIC) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Flushing Finl Corp's earnings high quality?

Flushing Finl Corp (FFIC) has an earnings quality ratio of 3.23x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Flushing Finl Corp?

Flushing Finl Corp (FFIC) scores 41 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.