Demonstrações financeiras detalhadas de Flushing Financial Corporation (FFIC): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Flushing Financial Corporation registou receitas de $453.2M no último exercício, com um CAGR de 5 anos de 10.5%. O lucro líquido atingiu $18.9M, com CAGR de 5 anos de -11.4%.
Margens dos últimos 12 meses: margem bruta 47.1%, margem operacional 10.1%, margem líquida 7.2%. O fluxo de caixa livre cresceu a CAGR de -4.1% em 5 anos.
Ao preço atual de $15.47, FFIC negocia a um P/L de 15.47 e um ROE de 4.89%. A capitalização de mercado é de $524M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $228.5M | $245.0M | $267.4M | $288.4M | $275.3M | $292.2M | $326.6M | $424.1M | $408.1M | $453.2M |
| Custo da Receita | $53.9M | $71.3M | $90.2M | $119.8M | $92.3M | $35.6M | $78.1M | $232.8M | $292.9M | $263.5M |
| Lucro Bruto | $174.6M | $173.7M | $177.2M | $168.6M | $183.1M | $256.6M | $248.5M | $191.2M | $115.2M | $189.7M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $68.2M | $69.1M | $72.3M | $74.5M | $76.9M | $91.3M | $86.6M | $90.0M | $97.7M | $113.0M |
| Despesas Operacionais | $68.6M | $107.5M | $111.7M | $115.3M | $137.9M | $147.3M | $143.7M | $151.4M | $163.4M | $155.2M |
| Lucro Operacional | $106.0M | $66.1M | $65.5M | $53.3M | $45.2M | $109.3M | $104.9M | $39.8M | -$48.3M | $34.5M |
| EBITDA | $110.5M | $71.0M | $71.3M | $59.3M | $51.4M | $116.3M | $110.8M | $46.3M | -$42.1M | $39.9M |
| Despesas com Juros | $53.9M | $61.5M | $89.6M | $117.0M | $69.1M | $40.6M | $73.0M | $222.3M | $283.4M | $250.7M |
| Lucro Antes de Impostos | $106.0M | $66.1M | $65.5M | $53.3M | $45.2M | $109.3M | $104.9M | $39.8M | -$48.3M | $34.5M |
| Imposto | $41.1M | $25.0M | $10.4M | $12.1M | $10.5M | $27.5M | $27.9M | $11.2M | -$16.9M | $15.6M |
| Lucro Líquido | $64.9M | $41.1M | $55.1M | $41.3M | $34.7M | $81.8M | $76.9M | $28.7M | -$31.3M | $18.9M |
| LPA | $2.24 | $1.41 | $1.92 | $1.44 | $1.18 | $2.59 | $2.50 | $0.96 | $-1.05 | $0.54 |
| LPA Diluído | $2.24 | $1.41 | $1.92 | $1.44 | $1.18 | $2.59 | $2.50 | $0.96 | $-1.05 | $0.54 |
| Ações em Circulação (Diluídas) | $29.0M | $29.1M | $28.7M | $28.7M | $29.3M | $31.6M | $30.8M | $29.9M | $29.9M | $34.5M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q2 | 2025-Q3 | 2025-Q4 | 2026-Q1 |
|---|
| Receita | $127.7M | $121.2M | $118.9M | $114.7M |
| Lucro Bruto | $59.3M | $57.0M | $55.8M | $54.9M |
| Lucro Operacional | $18.9M | $13.7M | $7.8M | $8.2M |
| EBITDA | $20.4M | $15.1M | $9.1M | $9.6M |
| Lucro Líquido | $14.2M | $10.4M | $4.0M | $5.8M |
| LPA | $0.41 | $0.30 | $0.12 | $0.17 |
| LPA Diluído | $0.41 | $0.30 | $0.12 | $0.17 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $35.9M | $51.5M | $118.6M | $49.8M | $157.4M | $81.7M | $85.4M | $124.2M | $109.4M | $126.1M |
| Investimentos de Curto Prazo | $861.4M | $738.4M | $822.7M | $772.5M | $648.0M | $777.2M | $563.1M | $679.3M | $1.45B | 0 |
| Contas a Receber | $20.2M | $21.4M | $25.5M | $25.7M | $44.0M | $38.7M | $45.0M | $59.0M | $62.0M | $59.4M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $917.5M | $811.3M | $966.7M | $848.0M | $849.4M | $897.7M | $693.6M | $862.5M | $1.62B | $185.5M |
| Imobilizado | $26.6M | $30.8M | $30.4M | $69.9M | $78.9M | $73.5M | $65.0M | $60.8M | $63.7M | $70.9M |
| Ágio | $16.1M | $16.1M | $16.1M | $16.1M | $17.6M | $17.6M | $17.6M | $17.6M | $17.6M | 0 |
| Ativos Intangíveis | 0 | 0 | 0 | 0 | $3.2M | $2.6M | $2.0M | $1.5M | $1.1M | $773000 |
| Ativos Totais | $6.06B | $6.30B | $6.83B | $7.02B | $7.98B | $8.05B | $8.42B | $8.54B | $9.04B | $8.69B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Passivos Circulantes | $4.21B | $4.38B | $4.96B | $5.07B | $6.14B | $6.39B | $6.49B | $6.82B | $7.18B | $53.8M |
| Dívida de Longo Prazo | $1.27B | $1.31B | $1.25B | $1.24B | $1.02B | $815.5M | $1.05B | $841.3M | $916.1M | $538.5M |
| Passivos Totais | $5.54B | $5.77B | $6.28B | $6.44B | $7.36B | $7.37B | $7.75B | $7.87B | $8.31B | $7.99B |
| Reservas | $361.2M | $381.0M | $414.3M | $434.0M | $442.8M | $497.9M | $547.5M | $549.7M | $492.0M | $480.4M |
| Patrimônio Líquido | $513.9M | $532.6M | $549.5M | $579.7M | $619.0M | $679.6M | $677.2M | $669.8M | $724.5M | $708.0M |
| Dívida Total | $1.27B | $1.31B | $1.25B | $1.29B | $1.08B | $869.7M | $1.10B | $882.1M | $962.5M | $592.3M |
| Dívida Líquida | $369.3M | $519.8M | $309.6M | $464.3M | $274.6M | $10.7M | $450.6M | $78.6M | -$594.9M | $466.3M |
| Capital de Giro | -$3.29B | -$3.57B | -$3.99B | -$4.22B | -$5.29B | -$5.49B | -$5.79B | -$5.95B | -$5.56B | $131.7M |
Balanço (Trimestral)
| Ano | 2025-Q2 | 2025-Q3 | 2025-Q4 | 2026-Q1 |
|---|
| Caixa e Equivalentes | $129.5M | $125.6M | $126.1M | $158.7M |
| Ativos Totais | $8.78B | $8.87B | $8.69B | $8.86B |
| Passivos Totais | $8.07B | $8.16B | $7.99B | $8.17B |
| Patrimônio Líquido | $706.4M | $711.2M | $708.0M | $697.4M |
| Dívida Total | $650.3M | $540.7M | $592.3M | $468.4M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $64.9M | $41.1M | $55.1M | $41.3M | $34.7M | $81.8M | $76.9M | $28.7M | -$31.3M | $18.9M |
| Depreciação e Amortização | $4.5M | $4.8M | $5.8M | $5.9M | $6.3M | $7.0M | $6.5M | $6.4M | $6.1M | $5.7M |
| Compensação em Ações | $5.9M | $6.0M | $7.0M | $7.8M | $6.5M | $6.8M | $6.8M | $5.6M | $2.5M | $3.2M |
| Variação Capital de Giro | $14.7M | $11.3M | $7.8M | $4.4M | $3.8M | -$1.2M | -$3.4M | -$7.7M | -$29.6M | $1.5M |
| Fluxo de Caixa Operacional | $42.4M | $83.5M | $77.3M | $63.8M | $71.3M | $88.6M | $85.8M | $34.6M | $12.4M | $61.0M |
| CapEx | -$6.7M | -$9.4M | -$5.4M | -$4.2M | -$2.5M | -$3.7M | -$4.3M | -$5.5M | -$2.3M | -$5.2M |
| Aquisições | 0 | 0 | 0 | 0 | $31.5M | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | -$9.9M | -$9.3M | -$22.6M | -$2.7M | -$3.9M | -$11.4M | -$29.7M | -$13.2M | -$1.7M | -$721000 |
| Dividendos Pagos | -$19.7M | -$21.0M | -$22.9M | -$24.1M | -$24.8M | -$26.5M | -$27.0M | -$26.3M | -$26.0M | -$30.3M |
| Fluxo de Caixa Livre | $35.7M | $74.1M | $71.9M | $59.6M | $68.8M | $84.9M | $81.4M | $29.1M | $10.1M | $55.8M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q2 | 2025-Q3 | 2025-Q4 | 2026-Q1 |
|---|
| Fluxo de Caixa Operacional | $25.8M | $19.6M | $8.8M | -$8.9M |
| CapEx | -$1.3M | -$244000 | -$1.9M | -$773000 |
| Fluxo de Caixa Livre | $24.4M | $19.3M | $6.9M | -$9.7M |
| Dividendos Pagos | -$7.6M | -$7.6M | -$7.6M | -$7.7M |
| Compensação em Ações | $878000 | $695000 | $805000 | $1.7M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +7.2% | +9.1% | +7.9% | -4.5% | +6.1% | +11.8% | +29.8% | -3.8% | +11.1% |
| Crescimento Lucro Líquido (anual) | | -36.7% | +34.0% | -25.1% | -16.0% | +135.9% | -5.9% | -62.7% | -209.3% | +160.3% |
| Crescimento LPA (anual) | | -37.1% | +36.2% | -25.0% | -18.1% | +119.5% | -3.5% | -61.6% | -209.4% | +151.4% |
| Variação de Ações (anual) | | +0.4% | -1.3% | -0.0% | +2.1% | +7.7% | -2.3% | -2.9% | +0.1% | +15.2% |
| Crescimento FCF (anual) | | +107.3% | -3.0% | -17.2% | +15.5% | +23.5% | -4.1% | -64.3% | -65.3% | +452.4% |
| Margem Bruta | 76.4% | 70.9% | 66.3% | 58.5% | 66.5% | 87.8% | 76.1% | 45.1% | 28.2% | 41.9% |
| Margem Operacional | 46.4% | 27.0% | 24.5% | 18.5% | 16.4% | 37.4% | 32.1% | 9.4% | -11.8% | 7.6% |
| Margem EBITDA | 48.3% | 29.0% | 26.7% | 20.5% | 18.7% | 39.8% | 33.9% | 10.9% | -10.3% | 8.8% |
| Margem Líquida | 28.4% | 16.8% | 20.6% | 14.3% | 12.6% | 28.0% | 23.6% | 6.8% | -7.7% | 4.2% |
| Margem FCF | 15.6% | 30.2% | 26.9% | 20.6% | 25.0% | 29.1% | 24.9% | 6.9% | 2.5% | 12.3% |
| Taxa Efetiva de Imposto | 38.8% | 37.8% | 15.9% | 22.6% | 23.3% | 25.2% | 26.6% | 28.0% | 35.1% | 45.3% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $1.23 | $2.55 | $2.50 | $2.07 | $2.35 | $2.69 | $2.64 | $0.97 | $0.34 | $1.62 |
| Dividendo por Ação | $0.68 | $0.72 | $0.80 | $0.84 | $0.85 | $0.84 | $0.88 | $0.88 | $0.87 | $0.88 |
| Ações em Circulação (Básicas) | $29.0M | $29.1M | $28.7M | $28.7M | $29.3M | $31.6M | $30.8M | $29.9M | $29.9M | $34.5M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 4.89% |
| Retorno sobre capital investido | 0.39% |
| Retorno sobre ativos | 0.39% |
| Margem bruta | 47.06% |
| Margem operacional | 10.08% |
| Margem líquida | 7.15% |
Saúde financeira
| Dívida / Patrimônio | 0.67 |
| Liquidez corrente | 32.60 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 13.12 | 19.50 | 11.21 | 15.01 | 14.10 | 9.38 | 7.75 | 17.17 | -13.60 | 28.09 |
| P/VP | 1.66 | 1.50 | 1.12 | 1.07 | 0.79 | 1.13 | 0.88 | 0.74 | 0.59 | 0.74 |
| P/V | 3.72 | 3.26 | 2.31 | 2.15 | 1.77 | 2.62 | 1.83 | 1.16 | 1.05 | 1.15 |
| Margem Bruta | 76.4% | 70.9% | 66.3% | 58.5% | 66.5% | 87.8% | 76.1% | 45.1% | 28.2% | 41.9% |
| Margem Operacional | 46.4% | 27.0% | 24.5% | 18.5% | 16.4% | 37.4% | 32.1% | 9.4% | -11.8% | 7.6% |
| Margem Líquida | 28.4% | 16.8% | 20.6% | 14.3% | 12.6% | 28.0% | 23.6% | 6.8% | -7.7% | 4.2% |