FLUSHING FINANCIAL CORP (FFIC) intrinsic value & 10-year financials
FLUSHING FINANCIAL CORP (FFIC) has no Graham intrinsic value right now because the formula needs positive earnings. Over the last 10 fiscal years revenue grew 7.9% a year to $7.5M, with an average return on invested capital of 2.6%.
- Graham intrinsic value
- —
- Revenue (FY2025)
- $7.5M
- Revenue growth (10-yr CAGR)
- 7.9%
- ROIC (10-yr avg)
- 2.6%
- Free cash flow (FY2025)
- $55.8M
FFIC 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $7.5M | $18.9M | $0.54 | $55.8M | — | 1.5% |
| FY2024 | $6.9M | -$31.3M | -$1.05 | $10.1M | — | -2.2% |
| FY2023 | $8.7M | $28.7M | $0.96 | $29.1M | — | 2.0% |
| FY2022 | $5.1M | $76.9M | $2.50 | $81.4M | — | 5.1% |
| FY2021 | $6.0M | $81.8M | $2.59 | $84.9M | — | 5.6% |
| FY2020 | $4.5M | $34.7M | $1.18 | $68.8M | — | 2.1% |
| FY2019 | $3.7M | $41.3M | $1.44 | $59.6M | — | 2.4% |
| FY2018 | $4.0M | $55.1M | $1.92 | $71.9M | — | 3.2% |
| FY2017 | $4.2M | $41.1M | $1.41 | $74.1M | — | 2.3% |
| FY2016 | $3.8M | $64.9M | $2.24 | $35.7M | — | 3.7% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
FLUSHING FINANCIAL CORP has demonstrated mature, steady growth, with revenue compounding at 7.9% annually over the past decade.
FLUSHING FINANCIAL CORP has historically struggled to out-earn its cost of capital, averaging just 2.6% ROIC.
FLUSHING FINANCIAL CORP has not shown aggressive share repurchases (>10% retirement) or a major balance-sheet leverage increase (>50% net debt growth) over the 10-year window.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, FLUSHING FINANCIAL CORP is modeled at -14.6% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $-9.66 per share.