NMS · Financial Statements

Flushing Financial (FFIC) Financial Statements

$15.47 NMS: FFIC Market Cap $524.18M

Flushing Financial most recently reported annual revenue of $453.0M, net profit of $19.0M. Revenue grew at an average annual rate of 10.5% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

Flushing Financial: Revenue rose from $229.0M in 2016 to $453.0M in 2025, a change of +97.8% over 9 years; net profit was positive in 9 of 10 reported years; operating margin moved from 46.4% to 7.6%, a shift of -38.8 percentage points; the most recent year shows net profit of $19.0M.

Income Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Revenue$229.0M$245.0M$267.0M$288.0M$275.0M$292.0M$327.0M$424.0M$408.0M$453.0M
Operating Expenses$122.0M$179.0M$202.0M$235.0M$230.0M$183.0M$222.0M$384.0M$456.0M$419.0M
Operating Profit$106.0M$66.0M$65.0M$53.0M$45.0M$109.0M$105.0M$40.0M$-48.0M$35.0M
Operating Margin46.4%27.0%24.5%18.5%16.4%37.4%32.1%9.4%-11.8%7.6%
Other Income$0$0$0$0$0$0$0$0$0$0
Interest$54.0M$61.0M$90.0M$117.0M$69.0M$41.0M$73.0M$222.0M$283.0M$251.0M
Depreciation$4.0M$5.0M$6.0M$6.0M$6.0M$7.0M$6.0M$6.0M$6.0M$5.0M
Profit Before Tax$106.0M$66.0M$65.0M$53.0M$45.0M$109.0M$105.0M$40.0M$-48.0M$35.0M
Tax$38.8M$37.8M$15.9M$22.6M$23.3M$25.1M$26.6M$28.0M$35.1M$45.3M
Net Profit$65.0M$41.0M$55.0M$41.0M$35.0M$82.0M$77.0M$29.0M$-31.0M$19.0M
EPS$2.24$1.41$1.92$1.44$1.18$2.59$2.50$0.96$-1.05$0.54
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

MetricJun '23Sep '23Dec '23Mar '24Jun '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26
Revenue$102.0M$107.0M$116.0M$113.0M$117.0M$129.0M$49.0M$122.0M$128.0M$121.0M$119.0M$115.0M
Operating Expenses$90.0M$97.0M$108.0M$108.0M$110.0M$118.0M$121.0M$128.0M$109.0M$108.0M$111.0M$107.0M
Operating Profit$12.0M$11.0M$8.0M$5.0M$7.0M$11.0M$-72.0M$-6.0M$19.0M$14.0M$8.0M$8.0M
Operating Margin11.7%10.0%7.1%4.4%6.1%8.9%-146.6%-4.9%14.8%11.3%6.6%7.1%
Interest$53.0M$60.0M$63.0M$67.0M$70.0M$77.0M$69.0M$64.0M$64.0M$63.0M$60.0M$58.0M
Profit Before Tax$12.0M$11.0M$8.0M$5.0M$7.0M$11.0M$-72.0M$-6.0M$19.0M$14.0M$8.0M$8.0M
Tax$26.8M$27.1M$33.0M$26.3M$25.4M$22.3M$31.5M$-65.2M$25.0M$23.6M$48.6M$28.8M
Net Profit$9.0M$8.0M$5.0M$4.0M$5.0M$9.0M$-49.0M$-10.0M$14.0M$10.0M$4.0M$6.0M
EPS$0.29$0.32$0.27$0.12$0.18$0.30$-1.61$-0.29$0.41$0.30$0.12$0.17

Over the 10 years reported for Flushing Financial, borrowings decreased from $1.3B in 2016 to $592.0M in 2025, cash stood at $126.0M in the latest year, shareholders' equity was $0, current assets covered current liabilities 3.44 times.

Balance Sheet — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Total Assets$6.1B$6.3B$6.8B$7.0B$8.0B$8.0B$8.4B$8.5B$9.0B$8.7B
Current Assets$917.0M$811.0M$967.0M$848.0M$849.0M$898.0M$694.0M$863.0M$1.6B$186.0M
Cash$36.0M$52.0M$119.0M$50.0M$157.0M$82.0M$85.0M$124.0M$109.0M$126.0M
Inventory$0$0$0$0$0$0$0$0$0$0
Receivables$20.0M$21.0M$25.0M$26.0M$44.0M$39.0M$45.0M$59.0M$62.0M$59.0M
Fixed Assets$27.0M$31.0M$30.0M$70.0M$79.0M$74.0M$65.0M$61.0M$64.0M$71.0M
Capital Work in Progress$0$0$0$0$0$0$0$0$0$0
Investments$5.7B$5.9B$6.4B$6.6B$7.4B$7.4B$7.5B$7.6B$8.3B$8.1B
Other Assets$16.0M$16.0M$16.0M$16.0M$18.0M$18.0M$18.0M$18.0M$18.0M$0
Total Liabilities$5.5B$5.8B$6.3B$6.4B$7.4B$7.4B$7.7B$7.9B$8.3B$8.0B
Current Liabilities$4.2B$4.4B$5.0B$5.1B$6.1B$6.4B$6.5B$6.8B$7.2B$54.0M
Borrowings$1.3B$1.3B$1.3B$1.3B$1.1B$870.0M$1.1B$882.0M$962.0M$592.0M
Other Liabilities$4.3B$4.5B$5.0B$5.2B$6.3B$6.5B$6.6B$7.0B$7.4B$7.4B
Equity$0$0$0$0$0$0$0$0$0$0
Reserves$514.0M$533.0M$549.0M$580.0M$619.0M$680.0M$677.0M$670.0M$725.0M$708.0M

For Flushing Financial, operating cash flow was positive in 10 of 10 reported years; free cash flow in the latest year was $56.0M; free cash flow was positive in 10 of 10 years.

Cash Flow Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Operating Cash Flow$42.0M$84.0M$77.0M$64.0M$71.0M$89.0M$86.0M$35.0M$12.0M$61.0M
Investing Cash Flow$-329.0M$-264.0M$-483.0M$-199.0M$91.0M$-110.0M$-356.0M$-100.0M$-508.0M$241.0M
Financing Cash Flow$304.0M$168.0M$554.0M$103.0M$205.0M$188.0M$120.0M$316.0M$361.0M$131.0M
Net Cash Flow$-7.0M$16.0M$67.0M$-69.0M$108.0M$-76.0M$70.0M$20.0M$-20.0M$-26.0M
Free Cash Flow$36.0M$74.0M$72.0M$60.0M$69.0M$85.0M$81.0M$29.0M$10.0M$56.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA24.92
FCF Yield7.61%
Quick Ratio3.44
Interest Coverage0.14
Return 1Y—
Return 3Y—
Return 5Y—

Flushing Financial (FFIC) financials — frequently asked questions

What is Flushing Financial's annual revenue?

Flushing Financial (FFIC) reported annual revenue of $453.0M in its most recent fiscal year.

What is Flushing Financial's net profit?

Flushing Financial (FFIC) reported net profit of $19.0M in its most recent fiscal year.

What is FFIC EV/EBITDA?

Flushing Financial's enterprise value to EBITDA (EV/EBITDA) ratio is 24.92.

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