Flushing Finl Corp (FFIC) reported $7.8M in revenue over the twelve months to Mar 31, 2026, down 93.8% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
FY2025 profit recovery came from a smaller, lower-cost balance sheet, while cash generation again ran ahead of reported earnings.
From FY2024 to FY2025, interest expense fell by$32.7M , and net income moved back into positive territory at$18.9M . Because total assets simultaneously slipped from$9.0B to$8.7B , the turnaround looks less like franchise expansion and more like a balance-sheet reset that reduced funding-cost drag.
FY2025 operating cash flow reached
Even after the rebound, return on assets was only
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Flushing Finl Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Flushing Finl Corp passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 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.
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
Earnings & Revenue
Flushing Finl Corp generated $7.5M in revenue in fiscal year 2025. This represents an increase of 7.3% from the prior year.
Flushing Finl Corp reported $18.9M in net income in fiscal year 2025. This represents an increase of 160.3% from the prior year.
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.
Not reported for fiscal year 2025.
Cash & Balance Sheet
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.
Flushing Finl Corp held $126.1M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Flushing Finl Corp paid $0.22 per share in dividends in fiscal year 2025. That is unchanged from the prior year.
Margins & Returns
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Not shown for fiscal year 2025: the reported ratio is above 100.0% of revenue, so it does not read as a share of revenue.
Capital Allocation
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
FFIC Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.9M-5.9% | $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 |
| SG&A Expenses | $26.6M+1.5% | $26.2M+6.2% | $24.7M+9.0% | $22.6M-1.1% | $22.9M-49.8% | $45.6M+105.4% | $22.2M+2.3% | $21.7M |
| Interest Expense | $57.8M-4.1% | $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 |
| Income Tax | $2.4M-38.1% | $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 |
| Net Income | $5.8M+44.9% | $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 |
| EPS (Diluted) | $0.17+54.5% | $0.11-63.3% | $0.30-26.8% | $0.41+241.4% | -$0.29+82.0% | -$1.61-636.7% | $0.30+66.7% | $0.18 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
FFIC Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $8.9B+2.0% | $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 |
| Cash & Equivalents | $158.7M+25.9% | $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 |
| Goodwill | N/A | N/A | N/A | N/A | N/A | $17.6M0.0% | $17.6M0.0% | $17.6M |
| Total Liabilities | $8.2B+2.3% | $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 |
| Total Equity | $697.4M-1.5% | $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 |
| Retained Earnings | $470.5M-2.0% | $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 |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.
FFIC Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$8.9M-200.8% | $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 |
| Capital Expenditures | $773K-60.2% | $1.9M+696.7% | $244K-81.7% | $1.3M-21.8% | $1.7M+146.7% | $690K+24.5% | $554K-28.9% | $779K |
| Free Cash Flow | -$9.7M-240.5% | $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 |
| Investing Cash Flow | -$146.9M-253.2% | $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 |
| Financing Cash Flow | $188.4M+255.0% | -$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 |
| Dividends Paid | $7.7M+0.9% | $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 |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | $0 | $0 |
FFIC Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 312.3% | 202.7% | 522.3% | 729.1% | -644.0% | -41.0% | 497.5% | 336.2% |
| Return on Equity | 0.8%+0.3pp | 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% |
| Return on Assets | 0.1%0.0pp | 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% |
| Debt-to-Equity | 11.71+0.4x | 11.28-0.2x | 11.470.0x | 11.42-0.4x | 11.82+0.3x | 11.48-1.4x | 12.92+0.2x | 12.67 |
| FCF Margin | -518.1% | 346.7% | 965.9% | 1254.9% | 338.6% | 2.5% | 270.9% | 555.3% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.
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Where Flushing Finl Corp Ranks
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.
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.
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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 27 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.