NASDAQ$FFIC

Flushing Financial Corporation · Q4 2025 earnings

Q4 2025 earnings · · After market close · Investor relations

Briefing

FFIC reported Q4 2025, diluted EPS of $0.12.

For Q4 2025, FFIC reported diluted EPS was $0.12, adjusted diluted EPS was $0.32. Management discusses segment performance, capital allocation, and outlook in the earnings release.

  • Diluted EPS $0.12.
  • Adjusted diluted EPS $0.32.
  • FFIC highlights liquidity, operations, and forward priorities.

Headline financials

Total Revenue

$58.8M

Previous: $52.5M+12.0%
EPS (adj)

$0.32

Previous: $0.14+128.6%
Net Interest Margin

2.7%

No prior period
ROAA

0.2%

No prior period
ROAE

2.2%

No prior period
Cost of Funds

3.0%

No prior period
Net Charge-Offs to Avg Loans

0.1%

Previous: 0.3%-60.7%
Average Loans

$6.59B

No prior period
Average Deposits

$7.5B

No prior period
Book Value/Share

$20.96

No prior period
Tangible Book Value/Share

$20.94

No prior period
TCE / Total Assets

8.1%

Previous: 7.8%+4.1%
Nonperforming Loans

$41.6M

No prior period
Nonperforming Assets

$58.8M

No prior period
Allowance for Credit Losses (Loans)

$42.8M

No prior period
Total Deposits

$7.31B

No prior period
Total Assets

$8.69B

No prior period
Net Income

$4.03M

Previous: -$49.2M+108.2%
Operating Income

$7.84M

Previous: -$71.9M+110.9%

Revenue & EPS history

Flushing Financial · Revenue · Quarterly

$58.8M

Q4 2025+12%vs Q4 2024
Beat estimate in 7 of 14 quarters(50%)
ActualEstimate

Revenue by segment

Flushing Financial · $54M total across 1 segment · Q1 2022

  • Mortgage Loans, Net
    $54M

Forward guidance

The release discusses FFIC's outlook for upcoming periods, including capital allocation, operating priorities, and market risks.

Tailwinds

  • FFIC cites operational execution and demand trends supporting the outlook.
  • Balance sheet and capital actions aim to fund growth and shareholder returns.

Headwinds

  • Macro, pricing, and input-cost volatility could pressure margins.
  • Segment mix and one-time items may affect quarter-to-quarter comparability.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 19 quarterly earnings reports · overlaid with Q4 2025

Historical avgQ4 2025

+0.2%

Avg return

Earnings day

+0.5%

Avg return

5 days after

+2.1%

Avg return

30 days after

47%

31 / 66 earnings

Positive

+16.4%

Q2 2020

Best reaction

-10.1%

Q2 2024

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-2.1%-4.5%-2.4%
Q4 2025-1.4%+3.8%-0.8%
Q3 2025+4.3%+9.6%+27.6%
Q2 2025-2.2%-0.8%+8.9%
Q1 2025-3.9%+2.1%-3.4%
Q4 2024-2.2%-5.2%+0.1%
Q3 2024+1.7%+7.7%+20.4%
Q2 2024-10.1%-18.8%-14.9%
Q1 2024-2.2%-4.8%+9.8%
Q4 2023+2.6%+3.9%-23.0%
Q3 2023+2.1%+11.4%+15.5%
Q2 2023+14.0%+11.5%-0.1%
Q1 2023-8.5%-9.5%-11.2%
Q4 2022-8.0%-3.9%-1.8%
Q3 2022-4.0%-1.6%+1.9%
Q2 2022-0.5%-3.6%-3.2%
Q1 2022+3.4%+0.1%+6.0%
Q4 2021-5.5%-5.1%-4.9%
Q3 2021-0.5%+0.8%+3.8%
Q2 2021+1.7%-0.2%+6.1%
Q1 2021+3.8%+4.0%+4.2%
Q4 2020+0.0%+2.9%+13.5%
Q3 2020+0.2%+4.0%+21.6%
Q2 2020+16.4%+15.8%+14.5%
Q1 2020+10.8%-1.1%-2.1%
Q4 2019+1.5%+5.5%-7.3%
Q3 2019+0.4%+0.6%-2.8%
Q2 2019-6.0%-5.9%-11.5%
Q1 2019-1.4%+1.0%-6.5%
Q4 2018+0.6%+2.1%+5.3%
Q3 2018-5.2%-1.1%+4.5%
Q2 2018-1.4%-3.7%-1.0%
Q1 2018-5.2%-4.3%-1.3%
Q4 2017+0.6%+0.7%-3.8%
Q3 2017-6.7%-4.8%-5.3%
Q2 2017-0.5%+0.8%-3.4%
Q1 2017+11.6%+7.6%+1.5%
Q4 2016-0.1%+1.9%+2.8%
Q3 2016-6.3%-6.9%+16.3%
Q2 2016+8.7%+7.0%+9.4%
Q1 2016-2.0%
Q4 2015+10.2%
Q3 2015+5.5%
Q2 2015-1.2%
Q1 2015-0.6%
Q4 2014-4.4%
Q3 2014+1.2%
Q2 2014-4.3%
Q1 2014-0.7%
Q4 2013+4.1%
Q3 2013+1.5%
Q2 2013+2.2%
Q1 2013-3.6%
Q4 2012-0.2%
Q3 2012+2.7%
Q2 2012+3.1%
Q1 2011+0.9%
Q1 2012+4.5%
Q4 2009+2.2%
Q4 2010+2.2%
Q4 2011+2.2%
Q3 2011-2.5%
Q3 2010-2.5%
Q2 2010-5.4%
Q2 2011-5.4%
Q1 2010+5.2%

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro