FFIC Valuation

Flushing Financial Corp

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12.680

-0.16(-1.246%)1D

Overview
Forecast
Valuation
Earnings

FFIC Relative Valuation

FFIC's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, FFIC is overvalued; if below, it's undervalued.

Historical Valuation

Flushing Financial Corp (FFIC) is now in the Fair zone, suggesting that its current forward PE ratio of 9.92 is considered Fairly compared with the five-year average of 13.01. The fair price of Flushing Financial Corp (FFIC) is between 11.36 to 20.96 according to relative valuation methord.

Relative Value

Fair Zone

11.36-20.96

Current Price：12.84

Fair

9.92

Trailing

Forward

0.00

EV/EBITDA

Flushing Financial Corp. (FFIC) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Flushing Financial Corp. (FFIC) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

1.78

Flushing Financial Corp. (FFIC) has a current PS of 1.78. The 5-year average PS is 2.28. The thresholds are as follows: Strongly Undervalued below 1.43, Undervalued between 1.43 and 1.85, Fairly Valued between 2.70 and 1.85, Overvalued between 2.70 and 3.13, and Strongly Overvalued above 3.13. The current Forward PS of 1.78 falls within the Undervalued range.

0.00

P/OCF

Flushing Financial Corp. (FFIC) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Flushing Financial Corp. (FFIC) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Flushing Financial Corp (FFIC) has a current Price-to-Book (P/B) ratio of 0.61. Compared to its 3-year average P/B ratio of 0.66 , the current P/B ratio is approximately -6.30% higher. Relative to its 5-year average P/B ratio of 0.78, the current P/B ratio is about -21.49% higher. Flushing Financial Corp (FFIC) has a Forward Free Cash Flow (FCF) yield of approximately 8.65%. Compared to its 3-year average FCF yield of 8.52%, the current FCF yield is approximately 1.57% lower. Relative to its 5-year average FCF yield of 10.21% , the current FCF yield is about -15.33% lower.

0.61

P/B

Median3y

0.66

Median5y

0.78

8.62

FCF Yield

Median3y

8.52

Median5y

10.21

Competitors Valuation Multiple

The average P/S ratio for FFIC's competitors is 2.61, providing a benchmark for relative valuation. Flushing Financial Corp Corp (FFIC) exhibits a P/S ratio of 1.78, which is -31.82% above the industry average. Given its robust revenue growth of 30.48%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

FFIC.O

Flushing Financial Corp

Bridgewater Bancshares Inc

Red River Bancshares Inc

Carter Bankshares Inc

First Business Financial Services Inc

2.38

8.99%

410.68M

Performance Decomposition

Market capitalization of FFIC decreased by 9.10% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 11.99 to 24.52.

The secondary factor is the Revenue Growth, contributed 30.48%to the performance.

Overall, the performance of FFIC in the past 1 year is driven by Margin Expansion. Which is more sustainable.

30.48%

44.39M → 57.91M

Revenue Growth

104.50%

11.99 → 24.52

Margin Expansion

-144.08%

25.97 → -11.45

P/E Change

-9.10%