Flushing Financial

NSQ:FFIC · US3438731057

BanksX-Small

360

Medium confidence — indicative

Value—

Profit price—

Cash yield1

Sales & asset price76

Price/Sales86

EV / Gross Profit59

Price/Book83

Quality9

Returns on capital18

Profit margins—

Cash backing54

Cash Conversion79

Accruals74

Owner Earnings Margin10

Growth25

Sales growth7

Profit growth99

Reinvestment28

Price momentum90

Safety39

Debt load28

Debt serviceability1

Liquidity19

Sentiment45

Analyst ratings1

Expectations trend50

Market mood1

Value Creation13/20creating some value

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

Flushing Financial clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA

IndustryBanks

SizeX-Small

TypePrivate Company

ExchangeNASDAQGS

Founded1994

Websiteinvestor.flushingbank.com

ISINUS3438731057

Last UpdateApr 2, 2026

Indices

NASDAQ (USA)Sound Pay Practices (USA)

Themes

BankingFinancial Services

Description

Flushing Financial Corporation operates as the bank holding company for Flushing Bank that provides a wide variety of financial services to meet the needs of the communities it serves. The bank also operates an internet branch (the Internet Branch),…

Analysis

Weak and unloved

Flushing Financial Corporation is weak and unloved: below-average business metrics and a price that reflects that disappointment.

The price is attractive. You pay 14.3× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is tepid and the balance sheet is stretched. The company scores 13/20 on our value-creation score: creating some value.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250

2023202420252026

All-time high

Mar 2026

All-time low

Oct 2024

Average rank

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

Price/Earnings

Price/Book

Dividend Yield

Value (overall)

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →