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Flushing Financial
Flushing Financial (FFIC) investor relations material
Flushing Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Jan, 2026
Executive summary
Fourth quarter and full-year 2025 results reflect net interest margin expansion and growth in noninterest-bearing deposits, supporting a stable funding base.
Tangible common equity ratio improved to 8.14%, and CRE concentration declined, indicating prudent capital and balance sheet management.
The company is preparing for a merger with OceanFirst Financial Corp., expected to drive further transformation.
Financial highlights
4Q25 GAAP EPS was $0.12, and Core EPS was $0.32, up from $(1.64) and $0.14, respectively, year-over-year.
Net interest margin (NIM) FTE rose 29 bps YoY and 4 bps QoQ to 2.68%; Core NIM FTE increased 41 bps YoY and 4 bps QoQ to 2.66%.
Net interest income for 4Q25 was $55.5 million, up 8.3% YoY and 3.1% QoQ.
Average noninterest-bearing deposits grew 11.6% YoY and 8.6% QoQ, now 12.9% of total deposits.
Provision for credit losses was $2.7 million, down from $6.4 million YoY but up from $1.5 million QoQ.
Net charge-offs were $1.8 million (11 bps of average loans), down from $4.7 million YoY but up from $1.1 million QoQ.
Tangible book value per share was $20.94 at year-end, nearly flat YoY.
Outlook and guidance
Management highlights a strong loan pipeline of $276 million and liquidity of $3.9 billion as of December 31, 2025.
The pending merger with OceanFirst Financial Corp. is expected to create new opportunities and drive transformation.
Impact of deposit mix on 4Q25 NIM expansion?
Loan pipeline QoQ decrease impact on future growth?
How did merger costs affect 4Q25 GAAP EPS?
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Next Flushing Financial earnings date
Q1 202629 Apr, 2026
Flushing Financial
Next Flushing Financial earnings date
Q1 202629 Apr, 2026
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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.
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