FFIC Stock Analysis: Buy, Sell, or Hold?
FFIC - Flushing Financial Corp
$15.42
-0.31 (-1.97%)
▼
5d:
-3.56%
30d:
-2.84%
90d:
-7.5%
BUY
MODERATE Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: May 05, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: FFIC shows positive signals but monitor for confirmation. Market pricing in 1.8% decline. Moderate conviction.
💡 BUY OPPORTUNITY: FFIC shows positive signals but monitor for confirmation. Market pricing in 1.8% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$29.53
Based on 12.8% avg growth
INTRINSIC VALUE TODAY
$18.33
15.9% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FFIC is currently trading at $15.42, which is considered oversold relative to its 30-day fair value range of $15.69 to $16.22. The stock's valuation (Forward PE: 9.0) is in line with its historical norms (9.5). Remarkably, the market is currently pricing in an annual earnings decline of 1.8% over the next few years. This pessimistic expectation contrasts with the company's recent 0.2% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, FFIC is showing sideways momentum. The price is currently testing key support at $15.14. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, FFIC is showing sideways momentum. The price is currently testing key support at $15.14. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$15.69 -
$16.22
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
74.8%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($16.80)
Trading Range Analysis
30-Day Trading Range
$15.69 -
$16.22
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$15.14
Resistance Level
$16.45
Current Trend
Sideways
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.99
Wall Street Target
$16.80
(+8.9%)
Revenue Growth (YoY)
2.3%
Earnings Growth (YoY)
0.2%
Profit Margin
15.2%
Valuation Discount vs History
-1.8% cheaper
PE vs Historical
9.0 vs 9.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.8%
(market-implied from PE analysis)
1-Year Target
$15.14
(-2%)
2-Year Target
$14.87
(-4%)
3-Year Target
$14.60
(-5%)
3-Yr Target (if PE normalizes)
(PE: 9→10)
$15.43
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 21.6%)
$68.11
(+342%)
Base:
(SPY PE: 9.0, Growth: 21.6%)
$27.75
(+80%)
Bear:
(PE: 7.6, Growth: 21.6%)
$23.59
(+53%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (16x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 15.73 | Current EPS (TTM): $1.00
Bull Case
$29.67
(+92%)
Analyst growth 71.5%, PE expands to 17.3
Base Case
$26.98
(+75%)
Market implied 71.5%, PE stable at 15.7
Bear Case
$10.70
(-31%)
Severe decline -20.0%, PE contracts to 13.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 9.0 to 9.5
Stabilization Target:
$16.29
(+5.7%)
PE Expansion Potential:
+5.7%
Share & Embed Analysis
Last updated: May 15, 2026 10:37 PM ET
Data refreshes hourly during market hours. Next update: 11:37 PM
Data refreshes hourly during market hours. Next update: 11:37 PM
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Technical Signals Check
Is FFIC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
2
Sells
Net
INSIDERS SELLING
Recent Transactions
Thomas Buonaiuto
SELL
1570 shares
2026-02-02
Thomas Buonaiuto
SELL
1311 shares
2026-01-30
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