)
Edge28 Nov 2025
Keeping the Streak Alive: The Story of Duolingo
How Duolingo made language learning addictive, scaled to millions of users, and built a powerful subscription business around everyday practice.
Flushing Financial (FFIC) investor relations material
Flushing Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
GAAP and Core Net Interest Margin (NIM) expanded 10 bps quarter-over-quarter to 2.64% and 2.62%, reflecting improved profitability and asset repricing benefits.
Core EPS rose to $0.35 from $0.26 year-over-year, while GAAP EPS remained at $0.30; core earnings up 55% year-over-year.
Net income for Q3 2025 was $10.4 million, up 17.3% year-over-year; net interest income increased 18% to $53.8 million.
Tangible common equity ratio improved 101 bps year-over-year to 8.01%, with $3.9 billion in undrawn liquidity lines.
Average noninterest-bearing deposits grew 5.7% year-over-year and 2.1% quarter-over-quarter, now 12.2% of total deposits.
Financial highlights
Core net interest income increased by $8.6 million or over 19% year-over-year; net interest income for Q3 2025 was $53.8 million, up 18% year-over-year.
Net charge-offs were 7 bps, improving from 18 bps year-over-year; provision for credit losses decreased to $1.5 million.
Noninterest income decreased year-over-year and quarter-over-quarter, but core noninterest income rose 11.6% year-over-year.
Noninterest expense increased 12.1% to $43.4 million in Q3 2025; core noninterest expenses rose 9.4% year-over-year.
Tangible book value per share was $21.03 at quarter-end.
Outlook and guidance
Total assets expected to remain stable for the rest of 2025; loan growth will depend on market conditions.
$770 million of CDs maturing in Q4 at 3.98% rate; opportunity to reprice lower.
Core noninterest expense growth expected at 4.5%-5.5% for 2025; effective tax rate of 24.5%-26.5%.
Management remains confident in navigating the macroeconomic landscape, citing a strong loan pipeline and $3.9 billion in liquidity.
Focus remains on disciplined underwriting, proactive risk management, and sustainable growth.
Quantify 2026-2027 NII boost from loan repricing.
Prioritize capital for growth vs. buybacks?
Asian banking market share growth strategy?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Flushing Financial earnings date
Q4 202528 Jan, 2026
Next Flushing Financial earnings date
Q4 202528 Jan, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Flushing Financial Corporation is a bank holding company offering a range of financial services through its principal subsidiary, Flushing Bank. The company provides commercial and retail banking, including deposits, real estate loans, business loans, and personal financial services. It operates in the New York metropolitan area, serving individuals, businesses, and public entities. The company is headquartered in Uniondale, New York, and its shares are listed on the NASDAQ.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage