Flushing Financial Corporation operates as the bank holding company for Flushing Bank that provides banking products and services primarily to consumers, businesses, ...
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Est. EPS $0.38 · Revenue $62.53M · 1 analysts
Est. EPS $1.41 · Revenue $247.95M · 1 analysts
Est. EPS $0.34 · Revenue $63.43M · 1 analysts
Est. EPS $0.39 · Revenue $64.67M · 1 analysts
EPS $-0.29 · Revenue $121.61M
EPS $-1.05 · Revenue $408.09M
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $453.2M | +11.1% | -3.5% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $18.9M | +160.3% | +44.9% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +41.9% | +48.3% | +1.9% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +7.6% | +164.4% | +8.3% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +4.2% | +154.3% | +50.1% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $55.8M | +452.4% | -240.5% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +12.3% | +397.4% | -245.6% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 83.7% | -37.0% | -19.7% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 3.45x | +1427.4% | +416.5% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $8.7B | -3.8% | +2.0% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 0.54 vs 1.25 | -56.7% | 0.17 vs 0.32 | -46.9% |
| Revenue Surprise | $453.2M vs $241.0M | +88.0% | $114.7M vs $61.1M | +87.7% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Jun 1, 2026 | BURAN JOHN R | director, officer: President & CEO | Common Stock | D | 133,254 | — |
| Jun 1, 2026 | Burrowes Astrid | officer: EVP | Common Stock | D | 34,209 | — |
| Jun 1, 2026 | Cullen Susan | officer: Sr. EVP and CFO | Common Stock | D | 21,530 | — |
| Jun 1, 2026 | Grasso Maria A | officer: Sr. EVP & COO | Common Stock | D | 655 | — |
| Jun 1, 2026 | Kelly Theresa | officer: EVP | Common Stock | D | 22 | — |
Operator: Welcome to the Flushing Financial Corporation's Third Quarter 2025 Earnings Conference Call. Hosting the call today are John Buran, President and Chief Executive Officer; and Susan Cullen, Senior Executive Vice President, Chief Financial Officer and Treasurer. Today's call is being recorded. A copy of the earnings press release and slide presentation that the company will be referencing today are available on its Investor Relations website at flushingbank.com. Before we begin, the company would like to remind you that discussions during this call contain forward-looking statements made under the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Such statements are subject to risks, uncertainties and other factors that may cause actual results to differ materially from those contained in any such statements, including as set forth in the company's filings with the U.S. Securities and Exchange Commission to which we refer you. During this call, references will be made to non-GAAP financial measures as supplemental measures to review and assess operating performance. These non-GAAP financial measures are not intended to be considered in isolation or as a substitute for the financial information prepared and presented in accordance with U.S. GAAP. For information about these non-GAAP measures and for a reconciliation to GAAP, please refer to the earnings release and/or the presentation. I would now like to introduce John Buran, President and Chief Executive Officer, who will provide an overview of the strategy and results. John Buran: Thank you, operator. Good morning, and thank you all for joining us on our third quarter 2025 earnings conference call. We're pleased to report strong third quarter results, continuing on the momentum we achieved in the first half of the year despite macroeconomic uncertainty and reflecting the considerable progress we've made on our 3 key focus areas: to improve profitability, maintain credit discipline and preserve strong liquidity and capital. Our team has remained focused, consistently executing on these objectives. For the third quarter, the company reported GAAP earnings per share of $0.30 and core earnings per share of $0.35. Core earnings improved 55% from a year ago. Turning to our financial highlights on Slide 3. We showed improved results throughout our business. Net interest margin expanded 10 basis points quarter-over-quarter with GAAP net interest margin increasing to 2.64%, while core net interest margin expanded to 2.62%. We saw improvement from the first quarter of this year and 55 basis point growth from last year's third quarter core net interest margin. We also demonstrated stable to improving credit metrics this quarter, reflecting the strength of our conservative underwriting approach. Net charge-offs totaled 7 basis points for the third quarter, improving 15 basis points from the second quarter of this year. Nonperforming assets as a percentage of …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
John R. Buran | President, Chief Executive Officer & Director | USD 2,458,396 | Male | 1949 | Active |
Maria A. Grasso | Senior EVP, COO & Corporate Secretary | USD 1,502,248 | Female | 1964 | Active |
Francis W. Korzekwinski | Senior EVP & Chief of Real Estate Lending | USD 1,402,049 | Male | 1963 | Active |
Susan K. Cullen | Senior EVP, Treasurer & CFO | USD 1,289,052 | Female | 1966 | Active |
Michael Bingold | Senior EVice President and Chief Retail & Client Devel. Officer | USD 1,202,246 | Male | 1963 | Active |
Albert H. Savastano | Senior Vice President & Director of Investor Relations | — | Male | 1973 | Active |
Astrid Burrowes | Executive Vice President, Chief Accounting Officer & Controller | — | Female | 1965 | Active |
Yan Nuriyev | Senior Vice President & Chief Technology Officer | — | Male | 1984 | Active |
Allen Brewer | Senior Executive Vice President & Chief Information Officer | — | Male | 1953 | Active |
Douglas Liang | Senior Vice President & Chief Investment Officer | — | Male | 1976 | Active |
OceanFirst Financial Corp. (NASDAQ: OCFC) has completed its merger with Flushing Financial Corporation (NASDAQ: FFIC) and closed a concurrent $225 million strategic investment from affiliates of funds managed by Warburg Pincus LLC, creating a regional bank operating 71 retail branches across the Northeast. The combined company, the holding company for OceanFirst Bank N.A.
OceanFirst Financial Corp. (NASDAQ: OCFC) has completed its merger with Flushing Financial Corporation (NASDAQ: FFIC) and closed a concurrent $225 million...
RED BANK, N. J. , June 01, 2026 (GLOBE NEWSWIRE) -- OceanFirst Financial Corp. (NASDAQ: "OCFC") ("OceanFirst"), the holding company for OceanFirst Bank N. A.
RED BANK, N.J., June 01, 2026 (GLOBE NEWSWIRE) -- OceanFirst Financial Corp. (NASDAQ: “OCFC”) (“OceanFirst”), the holding company for OceanFirst Bank N.A., today announced the completion of its previously announced merger with Flushing Financial Corporation (NASDAQ: “FFIC”) (“Flushing”), the holding company for Flushing Bank. The combination creates a scaled, high-performing regional bank with a significant presence across New Jersey, New York, Long Island, and the major metropolitan areas from Massachusetts through Virginia. Following completion of the transaction, the combined company operates under the OceanFirst brand across 71 retail branches across its footprint. Concurrent with the completion of the merger, OceanFirst also completed its $225 million strategic investment from affiliates of funds managed by Warburg Pincus LLC (“Warburg Pincus”).
