Flushing Financial (FFIC) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

Flushing Financial (FFIC) reported $58.81 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 2.8%. EPS of $0.32 for the same period compares to $0.14 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $61.82 million, representing a surprise of -4.87%. The company delivered an EPS surprise of -8.57%, with the consensus EPS estimate being $0.35.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

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: 71.5% compared to the 71.2% average estimate based on two analysts.
• Net Interest Margin: 2.7% versus the two-analyst average estimate of 2.7%.
• Average Balances - Total interest-earning assets: $8.31 billion compared to the $8.43 billion average estimate based on two analysts.
• Other income: $0.84 million compared to the $0.86 million average estimate based on two analysts.
• Net Interest Income: $55.51 million versus the two-analyst average estimate of $56.31 million.
• Bank owned life insurance: $2.04 million versus the two-analyst average estimate of $2.2 million.
• Net gain (loss) on sale of loans: $0.01 million versus the two-analyst average estimate of $0.21 million.
• Federal Home Loan Bank of New York stock dividends: $0.37 million versus $0.51 million estimated by two analysts on average.
• Banking services fee income: $1.99 million versus the two-analyst average estimate of $1.76 million.
• Total Non-Interest Income: $3.3 million versus the two-analyst average estimate of $5.54 million.

View all Key Company Metrics for Flushing Financial here>>>

Shares of Flushing Financial have returned -8.2% over the past month versus the Zacks S&P 500 composite's +0.4% 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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This article originally published on Zacks Investment Research (zacks.com).

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