Flushing Financial CFO withholds 480 shares for taxes

Flushing Financial Corp. Senior EVP and CFO Susan Cullen reported a small share transaction related to equity compensation.

Rhea-AI Filing Summary

Flushing Financial Corp. Senior EVP and CFO Susan Cullen reported a small share transaction related to equity compensation. On January 27, 2026, 480 shares of common stock were withheld at $15.54 per share to satisfy taxes upon vesting. Following this, she beneficially owned 86,359 common shares directly and 19,765 common shares indirectly through the Flushing Bank 401(k) Savings Plan as of the same date.

Insider Trade Summary

Exercise Price or Tax Liability: 480 shares

Exercise Price or Tax Liability 2 txns

Insider Cullen Susan

Role Sr. EVP & CFO

Type	Security	Shares	Price	Value
Exercise Price or Tax Liability	Common Stock	480	$15.54	$7K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 86,359 shares (Direct); Common Stock — 19,765 shares (Indirect, 401K)

Footnotes (2)

1. F1. Shares withheld to satisfy taxes upon vesting.
2. F2. Shares held in Flushing Bank 401(k) Savings Plan a/o 1/27/2026.

FAQ

What insider transaction did FFIC’s CFO report on January 27, 2026?

FFIC’s Senior EVP and CFO Susan Cullen reported a tax-related share withholding. On January 27, 2026, 480 shares of Flushing Financial common stock were withheld at $15.54 per share to satisfy taxes upon vesting of equity compensation.

How many FFIC shares does CFO Susan Cullen own after this Form 4 transaction?

After the reported transaction, Susan Cullen beneficially owned 86,359 shares of Flushing Financial common stock directly. She also held 19,765 additional common shares indirectly through the Flushing Bank 401(k) Savings Plan as of January 27, 2026.

What was the price per share for the 480 FFIC shares withheld for taxes?

The 480 Flushing Financial common shares withheld to cover taxes upon vesting were valued at $15.54 per share. This price is used in the Form 4 to report the transaction associated with the equity award’s vesting event.

How many FFIC shares does the CFO hold in the 401(k) plan?

As of January 27, 2026, Susan Cullen held 19,765 Flushing Financial common shares indirectly through the Flushing Bank 401(k) Savings Plan. These indirect holdings are reported separately from her directly owned 86,359 common shares.

What does the footnote about shares withheld to satisfy taxes mean for FFIC?

The footnote explains that 480 Flushing Financial common shares were not sold on the market but withheld to satisfy tax obligations upon vesting. This reflects an administrative step tied to equity compensation rather than an open-market share sale by the CFO.

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Accepted by SEC EDGAR 01/29/2026 - 05:37 PM Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Cullen Susan

(Last) (First) (Middle)

220 RXR PLAZA

(Street)

UNIONDALE NY 11556

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
FLUSHING FINANCIAL CORP [ FFIC ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Sr. EVP & CFO

3. Date of Earliest Transaction (Month/Day/Year)
01/27/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	01/27/2026		F		480(1)	D	$15.54	86,359	D
Common Stock								19,765(2)	I	401K

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Shares withheld to satisfy taxes upon vesting.

2. Shares held in Flushing Bank 401(k) Savings Plan a/o 1/27/2026.

	Signed by Russell A. Fleishman under Power of Attorney by Susan Cullen.	01/29/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.