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FFIC: Future Results Will Reflect Weaker Upside Despite Improving Credit Costs

FFIC: Lower Net Charge-Offs And Diversified Revenue Streams Will Support Balanced Outlook In 2025

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FFIC
AnalystConsensusTarget
Not Invested
Published 24 Sep 2024

Update shared on 13 Dec 2025

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Analysts have nudged their price target on Flushing Financial slightly higher to approximately 15.00 dollars per share, reflecting modestly improved assumptions around discount rates and valuation multiples, while keeping core growth and margin expectations essentially unchanged.

What's in the News

  • Updated share repurchase disclosure indicates that from July 1, 2025 to September 30, 2025, Flushing Financial did not repurchase any additional shares, leaving total buybacks under the February 27, 2018 authorization at 3,192,036 shares, or 10.74 percent of shares outstanding, for 65.29 million dollars (Key Developments).
  • Net charge offs for the third quarter ended September 30, 2025 were 1.1 million dollars, or 7 basis points of average loans, down significantly from 3.0 million dollars, or 18 basis points, in the third quarter of 2024, suggesting improving credit performance (Key Developments).

Valuation Changes

  • Fair Value Estimate: Maintained at approximately 15.00 dollars per share, indicating no material change in the intrinsic value assessment.
  • Discount Rate: Fallen slightly from about 7.78 percent to 7.74 percent, reflecting a modestly lower risk or cost of capital assumption.
  • Revenue Growth: Essentially unchanged at roughly 30.91 percent, indicating stable expectations for top line expansion.
  • Net Profit Margin: Remains effectively flat at around 33.86 percent, suggesting no meaningful shift in long term profitability assumptions.
  • Future P/E: Edged down marginally from about 5.67x to 5.66x, signaling a slightly lower valuation multiple applied to projected earnings.

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Disclaimer

AnalystConsensusTarget is a tool utilizing a Large Language Model (LLM) that ingests data on consensus price targets, forecasted revenue and earnings figures, as well as the transcripts of earnings calls to produce qualitative analysis. The narratives produced by AnalystConsensusTarget are general in nature and are based solely on analyst data and publicly-available material published by the respective companies. These scenarios are not indicative of the company's future performance and are exploratory in nature. Simply Wall St has no position in the company(s) mentioned. Simply Wall St may provide the securities issuer or related entities with website advertising services for a fee, on an arm's length basis. These relationships have no impact on the way we conduct our business, the content we host, or how our content is served to users. The price targets and estimates used are consensus data, and do not constitute a recommendation to buy or sell any stock, and they do not take account of your objectives, or your financial situation. Note that AnalystConsensusTarget's analysis may not factor in the latest price-sensitive company announcements or qualitative material.