FFIC Stock Analysis: Buy, Sell, or Hold?
FFIC - Flushing Financial Corp
$15.47
-0.50 (-3.13%)
▼
5d:
-2.52%
30d:
-4.03%
90d:
-2.52%
BUY
MODERATE Confidence
Analysis Updated: Jun 1, 2026 12:00 AM ET
Earnings: Jul 23, 2026
17d
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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 1.6% decline. Moderate conviction.
💡 BUY OPPORTUNITY: FFIC shows positive signals but monitor for confirmation. Market pricing in 1.6% 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
15.6% 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 $15.47, which is considered fair based on recent price action. 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 1.6% 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 $15.41. A bounce from this level would confirm strength, while a break below could signal further downside. Short-term momentum is weak, with the stock down 3.1% recently.
Market Sentiment: FFIC has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. 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 $15.41. A bounce from this level would confirm strength, while a break below could signal further downside. Short-term momentum is weak, with the stock down 3.1% recently.
Market Sentiment: FFIC has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Company Quality Score
59/100
(HOLD)
Volume Confirmation
UNKNOWN
Confidence Score
69.0%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (60/100)
- BEARISH: Downward momentum (-3.1%)
- NEUTRAL: Near Wall St target ($16.80)
Support & Resistance Levels
Support Level
$15.41
Resistance Level
$16.26
Current Trend
Sideways
Technical data as of
Jun 1, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.02
Wall Street Target
$16.80
(+8.6%)
Revenue Growth (YoY)
2.3%
Earnings Growth (YoY)
0.2%
Profit Margin
15.2%
Valuation Discount vs History
-1.6% cheaper
PE vs Historical
9.0 vs 9.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.6%
(market-implied from PE analysis)
1-Year Target
$15.22
(-2%)
2-Year Target
$14.98
(-3%)
3-Year Target
$14.74
(-5%)
3-Yr Target (if PE normalizes)
(PE: 9→10)
$15.52
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.0, Growth: 21.6%)
$67.80
(+338%)
Base:
(SPY PE: 9.0, Growth: 21.6%)
$27.84
(+80%)
Bear:
(PE: 7.7, Growth: 21.6%)
$23.66
(+53%)
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 9.0 to 9.5
Stabilization Target:
$16.29
(+5.3%)
PE Expansion Potential:
+5.3%
Share & Embed Analysis
Last updated: July 05, 2026 10:09 AM ET
Data refreshes hourly during market hours. Next update: 11:09 AM
Data refreshes hourly during market hours. Next update: 11:09 AM
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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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