Flushing Financial (NASDAQ: FFIC) is one of 308 public companies in the “Banks” industry, but how does it weigh in compared to its competitors? We will compare Flushing Financial to related businesses based on the strength of its profitability, risk, earnings, dividends, analyst recommendations, institutional ownership and valuation.

Volatility & Risk

Flushing Financial has a beta of 1.06, indicating that its share price is 6% more volatile than the S&P 500. Comparatively, Flushing Financial’s competitors have a beta of 0.79, indicating that their average share price is 21% less volatile than the S&P 500.

Dividends

Flushing Financial pays an annual dividend of $0.72 per share and has a dividend yield of 2.6%. Flushing Financial pays out 42.1% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 1.9% and pay out 35.2% of their earnings in the form of a dividend.

Insider and Institutional Ownership

77.4% of Flushing Financial shares are owned by institutional investors. Comparatively, 52.3% of shares of all “Banks” companies are owned by institutional investors. 4.9% of Flushing Financial shares are owned by insiders. Comparatively, 10.4% of shares of all “Banks” companies are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Profitability

This table compares Flushing Financial and its competitors’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Flushing Financial 19.50% 9.04% 0.77%
Flushing Financial Competitors 18.50% 8.31% 0.93%

Analyst Recommendations

This is a breakdown of recent ratings for Flushing Financial and its competitors, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Flushing Financial 0 3 0 0 2.00
Flushing Financial Competitors 2114 8346 8431 332 2.36

Flushing Financial presently has a consensus target price of $29.67, suggesting a potential upside of 6.95%. As a group, “Banks” companies have a potential downside of 8.29%. Given Flushing Financial’s higher probable upside, equities research analysts clearly believe Flushing Financial is more favorable than its competitors.

Valuation & Earnings

This table compares Flushing Financial and its competitors revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Flushing Financial $278.53 million $64.91 million 16.22
Flushing Financial Competitors $5.49 billion $825.32 million 364.22

Flushing Financial’s competitors have higher revenue and earnings than Flushing Financial. Flushing Financial is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Summary

Flushing Financial competitors beat Flushing Financial on 9 of the 15 factors compared.

About Flushing Financial

Flushing Financial Corporation is the bank holding company for Flushing Bank (the Bank). The Company is a community-oriented financial institution offering a range of financial services. The Bank’s subsidiaries include Flushing Preferred Funding Corporation, Flushing Service Corporation and FSB Properties Inc. The Company also owns Flushing Financial Capital Trust II, Flushing Financial Capital Trust III and Flushing Financial Capital Trust IV (the Trusts). As of December 31, 2016, the Bank operated 19 full-service offices, which were located in the New York City Boroughs of Queens, Brooklyn, and Manhattan, and in Nassau County, New York. The Company also operates an Internet branch, iGObanking.com. The Bank has a business banking unit, which focuses on the development of a full complement of commercial business deposit, loan and cash management products.

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