FLUSHING FINANCIAL CORP (FFIC)
State Commercial Banks · Financial Services · $366M
Intrinsic Value (Consensus)
$14.07
Current Price
$15.47
Margin of Safety
-9%
9% Above Intrinsic Value
Value: $14
Price: $15
Valuation Model Estimates
Current Price: $15.47
DCF (Discounted Cash Flow)
$25.91
Graham Number
$15.93
Earnings Power Value
$5.24
Relative Value (P/E)
$10.80
Dividend Discount Model
$12.45
Consensus Value
$14.07
Model Assumptions
Discount Rate
10.3%
Growth Rate
5.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
D
45
Profitability
12/25
Strength
17/25
Valuation
12/25
Growth
4/25
Financial Health Signals
Solid dividend yield (6.1%)
High free cash flow yield (15.2%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $0.54
- EPS (Forward)
- $0.57
- Book Value
- $20.89
- P/E Ratio
- 20.0
- Forward P/E
- 19.0
- PEG Ratio
- —
- ROE
- 2.7%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 5.0%
- Dividend Yield
- 6.1%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance