US · FFIC
Flushing Financial Corporation
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Uniondale, NY 11556
- Website
- flushingbank.com
Price · as of 2025-12-31
$16.14
Market cap 521.2M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $30.95 | +91.76% |
| Intrinsic Value(DCF) | $6,320.90 | +39,062.95% |
| Graham-Dodd Method(GD) | $23.26 | +44.13% |
| Graham Formula(GF) | $10.21 | -36.75% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $7.42 | $20.18 | $11.81 | $11.07 | $7.84 |
| 2012 | $9.40 | $19.04 | $13.21 | $11.86 | $3.56 |
| 2013 | $12.63 | $23.66 | $12.75 | $12.34 | $3.48 |
| 2014 | $12.40 | $30.14 | $13.60 | $13.21 | $10.37 |
| 2015 | $13.75 | $31.39 | $13.82 | $14.04 | $17.16 |
| 2016 | $17.64 | $45.54 | $15.42 | $18.20 | $33.67 |
| 2017 | $19.06 | $35.09 | $14.12 | $14.02 | $21.24 |
| 2018 | $15.46 | $45.84 | $15.03 | $16.19 | $32.49 |
| 2019 | $13.18 | $42.74 | $15.58 | $14.20 | $22.42 |
| 2020 | $18.60 | $32.77 | $16.07 | $13.74 | $4.41 |
| 2021 | $18.31 | $41.38 | $18.96 | $21.33 | $36.45 |
| 2022 | $13.86 | $39.44 | $18.64 | $20.72 | $48.47 |
| 2023 | $11.16 | $36.19 | $18.29 | $13.42 | $35.09 |
| 2024 | $12.70 | $23.88 | $18.00 | $5.33 | $0.00 |
| 2025 | $15.87 | $30.95 | $12.82 | $23.26 | $10.21 |
AI valuation
Our deep-learning model estimates Flushing Financial Corporation's (FFIC) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $30.95
- Current price
- $16.14
- AI upside
- +91.76%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$6,320.90
+39,062.95% upside
Graham-Dodd
$23.26
+44.13% upside
Graham Formula
$10.21
-36.75% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| FFIC | Flushing Financial Corpor… | $16.14 | 521.2M | +92% | +39,063% | +44% | -37% | 28.99 | 0.77 | 1.21 | 25.43 | — | 0.77 | 41.86% | 7.62% | 4.17% | 2.64% | 2.90% | 0.21% | 0.84 | 0.14 | 3.45 | 3.45 | 11.70 | -15143.00% | 1106.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 70.67% | 29.37 | — | 2.24 | 0.20 |
| ACNB | ACNB Corporation | $50.40 | 523.39M | -9% | +40% | -40% | +68% | 10.70 | 1.12 | 2.58 | 12.65 | 1984.13 | 1.36 | 84.05% | 30.58% | 24.09% | 10.97% | 12.09% | 1.32% | 0.90 | 1.69 | 0.04 | 0.04 | 5.22 | 54.00% | 1520.00% | -155.00% | 11.40% | 0.02 | 14.73% | 3.15% | 33.60% | 3.22% | 13.60 | 14.16 | 4.16 | -0.53 |
| AROW | Arrow Financial Corporati… | $33.31 | 547.7M | -29% | -8% | -55% | +27% | 14.30 | 1.06 | 1.91 | -3.72 | — | 1.13 | 60.35% | 16.75% | 13.32% | 7.61% | -15.97% | 0.70% | 0.08 | 0.45 | 0.16 | 0.16 | -2.83 | 0.00% | 1637.00% | 11388.00% | 6.79% | 0.01 | -15.52% | 4.30% | 61.60% | 17.66% | -4.26 | -5.51 | -0.71 | -0.72 |
| CBNK | Capital Bancorp, Inc. | $29.41 | 485.88M | +97% | -12% | -4% | +78% | 13.18 | 1.15 | 1.68 | 3.05 | — | 1.28 | 68.36% | 17.27% | 12.78% | 10.15% | 25.08% | 1.14% | 0.10 | 0.71 | 0.12 | 0.12 | -3.89 | -1686.00% | 1730.00% | -2760.00% | 8.03% | 0.01 | 26.53% | 1.29% | 17.00% | 42.49% | 3.21 | 4.09 | 0.55 | -0.61 |
| FFWM | First Foundation Inc. | $5.87 | 486.53M | +611% | -5% | -72% | — | -3.17 | 0.54 | 0.84 | 27.40 | -9.51 | 0.54 | 28.97% | -12.16% | -26.37% | -15.78% | 11.76% | -1.26% | 1.76 | -0.20 | 1.41 | 1.39 | 0.29 | 3333.00% | 2218.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 122.73% | 27.40 | — | -3.33 | 0.17 |
| FISI | Financial Institutions, I… | $31.38 | 631.7M | +108% | -26% | +59% | +485% | 8.56 | 1.02 | 1.70 | -1.39 | — | 1.13 | 61.73% | 24.17% | 19.81% | 12.50% | 25.00% | 1.21% | 0.48 | 0.69 | 1.17 | 11.54 | 0.93 | -23127.00% | 4307.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 13.16% | -1.39 | — | -0.34 | 0.18 |
| NFBK | Northfield Bancorp, Inc. | $13.34 | 557.13M | +208% | -6% | +30% | — | 675.84 | 0.78 | 2.92 | 2.32 | — | 0.78 | 35.34% | 9.25% | 0.43% | 0.11% | 2.82% | 0.01% | 1.48 | 0.15 | 0.59 | 0.59 | 17.38 | -9725.00% | -2669.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 7.90 | — | 0.73 | -0.10 |
| NRIM | Northrim BanCorp, Inc. | $23.49 | 518.91M | +304% | +2% | -62% | +121% | 11.02 | 1.52 | 2.08 | -1.84 | 23.00 | 2.18 | 77.53% | 23.98% | 18.87% | 14.73% | -10.24% | 1.26% | 0.15 | 1.15 | 0.24 | 0.24 | -0.43 | 4788.00% | 2377.00% | -12866.00% | -2.30% | 0.00 | 2.59% | 3.38% | 37.20% | 3.57% | -1.98 | 9.98 | -0.48 | -0.48 |
| PFIS | Peoples Financial Service… | $53.60 | 535.71M | +169% | +33% | +38% | +224% | 9.17 | 1.04 | 1.93 | 11.09 | 1.86 | 1.30 | 66.60% | 25.71% | 21.07% | 11.97% | 10.96% | 1.14% | 0.50 | 0.77 | 0.09 | 0.00 | 3.58 | 49394.00% | 2226.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 11.09 | — | 2.85 | -0.44 |
| RRBI | Red River Bancshares, Inc… | $88.70 | 599.31M | +112% | +7% | -3% | +17% | 13.98 | 1.64 | 3.52 | -1.38 | 48.40 | 1.64 | 72.55% | 31.28% | 25.18% | 12.49% | -31.62% | 1.32% | 0.00 | 1.20 | 443.09 | 443.09 | -0.45 | 2889.00% | 834.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -1.38 | — | -0.43 | 0.63 |
| UNTY | Unity Bancorp, Inc. | $53.19 | 534M | -6% | +19% | -20% | +24% | 10.23 | 1.43 | 2.60 | 8.06 | 178.61 | 1.44 | 62.55% | 33.35% | 25.42% | 14.88% | 12.34% | 1.58% | 0.78 | 0.95 | 0.10 | 0.10 | 0.88 | 573.00% | 819.00% | 292.00% | 11.15% | 0.02 | 14.07% | 1.18% | 12.10% | 31.32% | 8.44 | 9.71 | 2.81 | -0.50 |
About Flushing Financial Corporation
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, demand accounts, NOW accounts, and certificates of deposit. The company also 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. In addition, it offers banking services to public municipalities comprising counties, cities, towns, villages, school districts, libraries, fire districts, and various courts. As of December 31, 2021, the company operated 24 full-service offices located in the New York City boroughs of Queens, Brooklyn, and Manhattan; and in Nassau and Suffolk County, New York, as well as an Internet branch. Flushing Financial Corporation was founded in 1929 and is based in Uniondale, New York.
- CEO
- John R. Buran
- Employees
- 571
- Beta
- 0.83
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($6,320.90 ÷ $16.14) − 1 = +39,062.95% (DCF, example).