For the quarter ended September 2025, Flushing Financial (FFIC) reported revenue of $58.57 million, up 12.9% over the same period last year. EPS came in at $0.35, compared to $0.26 in the year-ago quarter.
The reported revenue represents a surprise of -0.58% over the Zacks Consensus Estimate of $58.92 million. With the consensus EPS estimate being $0.31, the EPS surprise was +12.9%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Flushing Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency ratio: 71% compared to the 71.9% average estimate based on two analysts.
- Average Balances - Total interest-earning assets: $8.18 billion versus the two-analyst average estimate of $8.37 billion.
- Net Interest Margin: 2.6% compared to the 2.6% average estimate based on two analysts.
- Net Interest Income: $53.83 million compared to the $53.57 million average estimate based on two analysts.
- Banking services fee income: $2 million versus $1.74 million estimated by two analysts on average.
- Net gain (loss) on sale of loans: $0.32 million compared to the $0.14 million average estimate based on two analysts.
- Total Non-Interest Income: $4.75 million versus $5.35 million estimated by two analysts on average.
- Bank owned life insurance: $2.32 million versus the two-analyst average estimate of $2.2 million.
- Other income: $0.91 million compared to the $0.73 million average estimate based on two analysts.
- Federal Home Loan Bank of New York stock dividends: $0.37 million compared to the $0.54 million average estimate based on two analysts.
View all Key Company Metrics for Flushing Financial here>>>
Shares of Flushing Financial have returned -5.2% over the past month versus the Zacks S&P 500 composite's +3.8% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Flushing Financial Corporation (FFIC): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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