Should I Buy FFIC? FFIC 2026 Analysis

Should You Buy Flushing Financial Corp (FFIC) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

15.760

1 Day change

2.54%

52 Week Range

17.790

Analysis Updated At

2026/01/28

Not a good buy right now for a beginner long-term investor. FFIC is in the middle of an announced acquisition by OceanFirst, which typically caps long-term upside and turns the stock into more of a merger-arbitrage/trading situation. With the stock at $15.36 and the only cited Wall Street target at $14.50 (Market Perform), the risk/reward for a new, impatient long-term entry is not attractive. If you already own it, holding to see the deal through makes more sense than buying fresh here.

Technical Analysis

Price/levels: FFIC closed at $15.36 (-1.22%), below the pivot $15.75 and near support S1 $15.068 (next support S2 $14.647). That puts the stock in a near-support zone where bounces can happen, but it is not breaking out. Trend: Moving averages are bullish (SMA_5 > SMA_20 > SMA_200), suggesting the broader trend has improved. Momentum: MACD histogram is positive (0.046) but contracting, indicating bullish momentum is fading rather than accelerating. RSI(6) ~43.9 is neutral-to-slightly weak (not oversold), so there’s no strong “must-buy” momentum signal. Pattern-based odds provided: modeled chance points to modest positive drift (next day +1.42%, next week +1.95%, next month +13.34%), but this may be heavily influenced by the acquisition headline (i.e., deal dynamics rather than pure technicals). Intellectia Proprietary Trading Signals - [AI Stock Picker](module://ai_stock_pick): No signal on given stock today. - [SwingMax](module://swingmax): No signal on given stock recently.

Options Data

Bullish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Sentiment: Put/call open interest ratio at 0.36 is relatively call-heavy (bullish tilt), and put volume is 0 today (volume put/call 0.0). However, total option volume is extremely light (only 6 contracts), so the sentiment read is weak/low-confidence. Volatility: 30D IV ~67.33% vs HV ~46.32% suggests options are pricing elevated event risk (consistent with M&A). IV rank/percentile are not extreme (IV rank ~19, percentile ~29.7), implying IV is elevated but not at historical peaks. Takeaway: Options positioning mildly bullish, but liquidity is too thin to treat as a strong sentiment signal.

Technical Summary

Sell

Buy

Positive Catalysts

- OceanFirst Financial announced acquisition of Flushing Financial (deal-related support to the share price; reduces pure fundamental uncertainty).
- Bullish moving-average structure (SMA_5 > SMA_20 > SMA_200) supports a constructive technical backdrop.
- Call-heavy open interest (put/call OI 0.36) suggests more upside hedging/speculation than downside protection—at least among the small options base.

Neutral/Negative Catalysts

- Latest earnings: Q4 Non-GAAP EPS $0.32 missed expectations; fundamental momentum appears weak.
- Multiple law-firm “investigations” headlines around the sale (common in M&A but can create short-term headline overhang).
- Analyst view cited is not supportive at current levels: Keefe Bruyette Market Perform with price target $14.50 (below $15.36), implying limited upside from a traditional Wall Street perspective.
- Momentum is weakening (MACD positive but contracting) and price is below pivot resistance ($15.75), meaning near-term upside may be capped unless it reclaims and holds above that level.

Financial Performance

Latest quarter: 2025/Q4. Trend summary: The provided snapshot shows sharp YoY declines—Revenue $57.553M (down ~353% YoY as reported), Net Income $4.026M (down ~108% YoY), EPS $0.12 (down ~107% YoY). Regardless of the exact base-effect math, the key read is that reported YoY growth trends are negative and fundamentals are not improving cleanly. Practical implication for a long-term beginner: weak recent growth plus an announced acquisition makes this less of a “compounder” investment case and more of a deal-driven situation.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Recent analyst change: On 2025-10-31, Keefe Bruyette raised the price target to $14.50 from $14 and kept a Market Perform rating. Interpretation: Slightly less negative than before, but still not a bullish stance—and the target sits below the current price (~$15.36). Wall Street pros view (pros/cons): Pros: modestly improved target; deal announcement can provide a clearer path to value realization. Cons: Market Perform (neutral) rating; target below market suggests limited upside; fundamentals/earnings momentum not compelling. Influential/insider/political flows: Hedge funds neutral, insiders neutral; no recent Congress trading data available.

3 Analyst Rating

Wall Street analysts forecast FFIC stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for FFIC is 14.25 USD with a low forecast of 14 USD and a high forecast of 14.5 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

0 Buy

3 Hold

0 Sell

Hold

Current: 15.370

Low

Averages

14.25

High

14.5

Current: 15.370

Low

Averages

14.25

High

14.5

Keefe Bruyette

Market Perform

maintain

$14

AI Analysis

2025-10-31

Reason