FFIC PEER ANALYSIS

Flushing Financial Corporation — metric-by-metric comparison with peers and the industry median

FFICFlushing Financial Corporation

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

FFICIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	FFIC	ICBCT	TSKB	NWG	ISBTR	LLOY	Ind. Median
P/E	15.23	15.93	2.96●	9.10	—	13.24	12.88
P/B	0.75	4.06	0.71●	1.40	32,231.62	1.39	1.28
EV/EBITDA	15.42	-9.01●	2.20	-8.48	428,450.45	14.73	9.31
P/S	—	—	—	—	—	—	—

Financial Health
Metric	FFIC	ICBCT	TSKB	NWG	ISBTR	LLOY	Ind. Median
Current Ratio	32.60●	—	—	0.25	—	0.12	0.31
Debt/Equity	67.2%	0.0%●	0.0%●	17.0%	0.0%●	209.8%	38.0%
NetDebt/EBITDA	5.72	-20.34	-0.47	-14.68	-28.33●	5.39	-0.58

Profitability
Metric	FFIC	ICBCT	TSKB	NWG	ISBTR	LLOY	Ind. Median
Net Margin	7.2%	24.7%	54.9%●	20.1%	28.1%	25.9%	20.6%
ROE	4.9%	28.9%●	27.4%	14.9%	20.2%	10.6%	10.9%
ROA	0.4%	1.1%	3.7%●	0.8%	1.8%	0.5%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	FFIC	ICBCT	TSKB	NWG	ISBTR	LLOY	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	—	—	-1.3%	16.0%	71.8%●	16.2%	19.4%
Div. Yield	5.7%●	—	—	4.8%	—	3.2%	2.5%
Payout	88.2%	—	—	—	—	—	31.4%

Valuation
Metric	FFIC	FBIZ	BSRR	COFS	HBCP	SFST	Ind. Median
P/E	15.23	10.10	11.67	8.95●	11.56	14.49	12.88
P/B	0.75●	1.36	1.47	1.06	1.21	1.34	1.28
EV/EBITDA	15.42	4.84	5.03	7.24	-0.29●	13.31	9.31
P/S	—	—	—	—	—	—	—

Financial Health
Metric	FFIC	FBIZ	BSRR	COFS	HBCP	SFST	Ind. Median
Current Ratio	32.60●	0.15	0.19	0.52	0.22	0.03	0.31
Debt/Equity	67.2%	81.7%	109.5%	49.7%	12.3%●	69.8%	38.0%
NetDebt/EBITDA	5.72	-3.11	-3.40	1.67	-8.96●	3.04	-0.58

Profitability
Metric	FFIC	FBIZ	BSRR	COFS	HBCP	SFST	Ind. Median
Net Margin	7.2%	18.2%	23.0%	23.1%●	22.2%	17.0%	20.6%
ROE	4.9%	14.3%●	12.8%	12.4%	11.0%	9.8%	10.9%
ROA	0.4%	1.2%	1.2%	1.3%	1.3%●	0.8%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	FFIC	FBIZ	BSRR	COFS	HBCP	SFST	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	—	10.3%	13.4%	676.2%●	21.6%	91.5%	19.4%
Div. Yield	5.7%●	1.9%	2.5%	3.3%	1.7%	—	2.5%
Payout	88.2%	21.5%	29.8%	30.6%	19.9%	—	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jun 8, 26. This content is for informational purposes only and is not investment advice.