FLUSHING FINANCIAL CORP

Listed Company

FFICCIK 0000923139NasdaqAcceleratedState Commercial BanksDelawareFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$18.88M

Total Assets

$8.69B

Equity

$707.98M

Shares Out

33.88M

Op. Cash Flow

$61.02M

FFIC$15.48+29.97% · past yearDBEQ Basic

Daily closing prices

Business

Flushing Financial Corp is a bank holding company that operates Flushing Bank, a New York State-chartered commercial bank offering deposit and lending services. The Bank's principal business is attracting retail deposits and investing them in multi-family residential mortgage loans, commercial real estate loans, commercial business loans, and investment securities. The Bank operates 30 full-service branch offices and an internet branch serving the New York City metropolitan area, with a focus on community-oriented banking in Queens, Brooklyn, Manhattan, Nassau and Suffolk counties.

Summary from 10-K filed 2026-03-06

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Interest and fees on loans	377	376	355	293	274
Interest	81	79	38	21	14
Dividends	111,000	130,000	126,000	60,000	29,000
Other interest income	8	11	8	2	203,000
Total interest and dividend income	466	465	401	317	289
Deposits	229	245	189	47	20
Other interest expense	22	39	34	26	20
Total interest expense	251	283	222	73	—
Net interest income	216	182	179	244	248
Provision (benefit) for credit losses	13	10	11	5	−5
Net interest income after provision (benefit) for credit losses	203	172	169	239	253
Banking services fee income	7	7	9	5	6
Net gain (loss) on sale of loans	4	−4	108,000	119,000	335,000
Net gain (loss) on sale of securities	708,000	−72	0	−11	113,000
Net gain (loss) from fair value adjustments	−2	−939,000	3	6	−13
Federal Home Loan Bank of New York stock dividends	2	3	3	2	2
Gain from life insurance proceeds	0	285,000	1	—	—
Bank owned life insurance	9	6	5	4	4
Other income	3	3	3	2	4
Total non-interest income (loss)	23	−57	23	10	4
Salaries and employee benefits	96	91	86	84	88
Occupancy and equipment	17	15	14	15	14
Professional services	17	11	10	9	7
FDIC deposit insurance	6	6	4	2	3
Data processing	7	7	6	6	7
Depreciation and amortization of bank premises and equipment	5	6	6	6	6
Other real estate owned / foreclosure expense	1	681,000	605,000	294,000	323,000
Net (gain) loss on sales of real estate owned	0	−174,000	0	0	—
Prepayment penalty on borrowings	—	3	—	—	—
Impairment of goodwill	18	0	0	—	—
Other operating expenses	24	24	25	21	21
Total non-interest expense	192	163	151	144	147
Income (loss) before income taxes	35	−48	40	105	109
Provision (benefit) for income taxes	16	−17	11	28	27
Net income (loss)	19	−31	29	77	82
Basic earnings (loss) per common share (in dollars per share)	0.54	−1.07	0.96	2.5	2.59
Diluted earnings (loss) per common share (in dollars per share)	0.54	−1.07	0.96	2.5	2.59

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and due from banks (restricted cash of $16,615 and $43,165, respectively)	126	153	172	152	82
Securities held-to-maturity, net of allowance of $348 and $353, respectively (assets pledged of $4,695 and $4,494, respectively; fair value of $46,232 and $44,718, respectively)	50	51	73	74	—
Securities available for sale, at fair value (amortized cost of $1,387,619 and $1,506,798, respectively; net of an allowance of $2,921 and $2,627, respectively; assets pledged of $115,974 and $49,914, respectively; $14,412 and $13,591 at fair value pursuant to the fair value option, respectively)	1,390	1,498	875	735	—
Loans held for sale, at fair value	0	70	—	—	—
Loans held for investment, net of fees and costs	6,654	6,746	6,907	6,935	—
Less: Allowance for credit losses	−43	−40	−40	−40	−37
Net loans held of investment	6,611	6,706	6,867	6,894	—
Interest and dividends receivable	59	62	59	45	39
Bank premises and equipment, net	18	18	21	22	23
Federal Home Loan Bank of New York stock, at cost	19	38	31	46	36
Bank owned life insurance	227	218	214	213	211
Goodwill	—	18	18	18	18
Core deposit intangibles	773,000	1	2	2	3
Right-of-use assets	53	46	40	43	50
Other assets	139	160	167	179	149
Total assets	8,693	9,039	8,537	8,423	8,046
Non-interest bearing	969	837	847	921	968
Interest-bearing	6,283	6,289	5,917	5,516	5,366
Total Due to depositors	7,252	7,126	6,765	6,437	6,334
Mortgagors' escrow deposits	60	53	50	48	52
Federal Home Loan Bank advances and other borrowings	244	679	606	816	636
Subordinated debentures	189	188	188	187	123
Junior subordinated debentures, at fair value	52	49	48	51	56
Total borrowed funds	485	916	841	1,053	816
Operating lease liability	54	46	41	46	54
Other Liabilities	135	173	170	161	111
Total liabilities	7,985	8,314	7,867	7,746	7,366
Preferred stock ($0.01 par value; 5,000,000 shares authorized; none issued)	0	0	0	0	0
Common stock ($0.01 par value; 100,000,000 shares authorized; 38,677,787 shares issued; 33,778,438 and 33,659,067 shares outstanding, respectively)	387,000	387,000	341,000	341,000	341,000
Additional paid-in capital	327	327	265	264	263
Treasury stock, at average cost (4,899,349 and 5,018,720 shares, respectively)	−99	−102	−106	−99	−75
Retained earnings	480	492	550	548	498
Accumulated other comprehensive income, net of taxes	−453,000	7	−39	−36	−7
Total stockholders' equity	708	725	670	677	680
Total liabilities and stockholders' equity	8,693	9,039	8,537	8,423	8,046

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Net income (loss)	19	−31	29	77	82
Net amortization (accretion) of premiums and discounts	4	3	498,000	1	−987,000
Deferred income tax provision (benefit)	11	−16	4	144,000	−2
Net (gain) loss from fair value adjustments of hedges	−256,000	−55,000	−371,000	−775,000	−2
Stock-based compensation expense	3	2	6	7	7
Deferred compensation	−2	−3	−4	−5	−4
Amortization of core deposit intangibles	350,000	414,000	480,000	545,000	610,000
Decrease (increase) in other assets	−3	−23	−19	12	563,000
(Decrease) increase in other liabilities	4	−7	12	−15	−2
Net cash provided by (used in) operating activities	61	12	35	86	89
Purchases of premises and equipment	−5	−2	−5	−4	−4
Purchases of Federal Home Loan Bank New York stock	−9	−52	−122	−146	−7
Redemptions of Federal Home Loan Bank New York stock	28	45	137	137	15
Proceeds from prepayments of securities held-to-maturity	1	2	794,000	387,000	0
Purchases of securities available for sale	−497	−1,303	−187	−225	−538
Proceeds from sales and calls of securities available for sale	368	522	0	73	65
Proceeds from maturities and prepayments of securities available for sale	224	203	57	97	331
Proceeds from sale of real estate owned	0	839,000	0	0	—
Proceeds from bank owned life insurance	2	14,000	3	4	0
Change in cash collateral	−27	−5	−18	66	0
Net repayments (originations) of loans	360	238	198	−93	291
Purchases of loans	−268	−174	−166	−276	−262
Proceeds from sale of loans originally classified as held for investment	69	19	9	32	29
Net cash provided by (used in) investing activities	247	−506	−94	−352	−107
Net increase (decrease) in noninterest-bearing deposits	133	−11	−74	−46	189
Net increase (decrease) in interest-bearing deposits	−7	371	401	200	4
Net increase (decrease) in mortgagors' escrow deposits	7	3	2	−4	6
Net (repayments) proceeds from short-term borrowed funds	−435	324	−606	235	—
Proceeds from long-term borrowing	—	300	661	64	123
Repayment of long-term borrowings	—	−551	−265	−56	−342
Purchase of treasury stock	—	—	−11	−27	−11
Repurchase of shares to satisfy tax obligations	−721,000	−2	−2	−2	—
Net proceeds received in common stock offering	—	66	—	—	—
Cash dividends paid	−30	−26	−26	−27	−27
Net cash provided by (used in) financing activities	−334	474	80	336	−57
Net (decrease) increase in cash and cash equivalents, and restricted cash	−26	−20	20	70	−76
Interest paid	254	279	215	64	41
Income taxes paid, net of refunds	1	9	6	32	28
Transfer of loans held for investment to other real estate owned	—	665,000	—	—	—
Transfer of loans held for investment to loans held for sale	24	92	9	31	—
Transfer of loans held for sale to loans held for investment	59	—	—	—	—
Securities purchased not yet settled	—	25	—	—	—
Securities transferred from held to maturity to available for sale	—	21	—	—	—

Filings

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Frequently asked questions

What is FLUSHING FINANCIAL CORP's CIK number?

FLUSHING FINANCIAL CORP's SEC CIK number is 0000923139 (923139). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find FLUSHING FINANCIAL CORP's SEC filings?

All of FLUSHING FINANCIAL CORP's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did FLUSHING FINANCIAL CORP last report earnings?

FLUSHING FINANCIAL CORP (FFIC) most recently filed an earnings 8-K with the SEC on Apr 28, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0000923139-26-000012). This is FLUSHING FINANCIAL CORP's most recent earnings filing of record — not a forecast of its next earnings date.

What is FLUSHING FINANCIAL CORP's most recent earnings 8-K?

FLUSHING FINANCIAL CORP's latest earnings 8-K (Item 2.02) was filed Apr 28, 2026 under accession 0000923139-26-000012. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

View FLUSHING FINANCIAL CORP's latest earnings 8-K →
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