Flushing Financial Corporation (FFIC) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	482.5M	453.2M	408.1M	424.1M	326.6M
Cost of Revenue	255.4M	263.5M	292.9M	232.8M	78.1M
Gross Profit	227.1M	189.7M	115.2M	191.2M	248.5M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	111.8M	113.0M	97.7M	90.0M	86.6M
General & Admin Expense	111.8M	113.0M	97.7M	90.0M	86.6M
Selling & Marketing Expense	—	—	—	—	—
Other Expenses	66.6M	42.2M	65.7M	61.4M	57.1M
Total Operating Expenses	178.5M	155.2M	163.4M	151.4M	143.7M
Cost and Expenses	433.9M	418.7M	456.4M	384.2M	221.8M
Operating Income (EBIT)	48.6M	34.5M	(48.3M)	39.8M	104.9M
Non-Operating
Interest Income	463.4M	468.1M	465.2M	401.4M	316.6M
Interest Expense	245.0M	250.7M	283.4M	222.3M	73.0M
Net Interest Income	218.4M	217.4M	181.9M	179.0M	243.6M
Other Non-Op Income/Expense	—	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	48.6M	34.5M	(48.3M)	39.8M	104.9M
Income Tax Expense	14.1M	15.6M	(16.9M)	11.2M	27.9M
Bottom Line
Net Income	34.5M	18.9M	(31.3M)	28.7M	76.9M
Earnings from Cont. Ops	34.5M	18.9M	(31.3M)	28.7M	76.9M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	34.0M	18.4M	(31.3M)	28.7M	76.9M
Per Share
Basic EPS	$1.00	$0.54	($1.05)	$0.96	$2.50
Diluted EPS	$1.00	$0.54	($1.05)	$0.96	$2.50
Revenue Per Share	$14.20	$13.14	$13.63	$14.17	$10.60
Shares
Basic Shares Outstanding	34.0M	34.5M	29.9M	29.9M	30.8M
Diluted Shares Outstanding	34.0M	34.5M	29.9M	29.9M	30.8M
Profitability Metrics
EBITDA	54.2M	39.9M	(42.1M)	46.3M	110.8M
D&A	5.5M	5.3M	6.1M	6.4M	6.5M
EBIT	48.6M	34.5M	(48.3M)	39.8M	104.9M

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Mar 1, 2026