Flushing Financial vs Capital Bancorp

This page compares Flushing Financial and Capital Bancorp, examining their business models, financial performance, and market context in a neutral, accessible way. It presents how each organisation approaches customers, risk, and growth without offering advice. The content is designed to illuminate similarities and differences between the two institutions. Educational content, not financial advice.

This page compares Flushing Financial and Capital Bancorp, examining their business models, financial performance, and market context in a neutral, accessible way. It presents how each organisation ap...

About The Companies

Flushing Financial (FFIC)

Flushing Financial Corp (FFIC) is the holding company for Flushing Bank, a regional commercial bank serving the New York metropolitan area with deposit, lending, mortgage and other banking services. With a market capitalisation around $445m, FFIC is a relatively small-cap, community-focused bank where local lending relationships and deposit stability matter. Investors should consider interest-rate sensitivity — net interest margins can expand in rising-rate environments but compress if rates fall — and monitor credit quality as commercial real estate and small-business portfolios can be cyclical. Regulatory capital, loan-loss reserves and deposit trends are key fundamentals to watch. The stock may appeal to investors seeking regional-bank exposure or potential income, but share prices can be volatile and dividends are not guaranteed. This summary provides general information for education — not personalised investment advice. Consider diversification and, if unsure, consult a financial adviser about suitability for your goals and risk tolerance.

Capital Bancorp (CBNK)

Capital Bancorp, Inc. (CBNK) is a Maryland-based bank holding company that provides traditional banking services—such as deposit accounts, commercial and consumer lending, and treasury services—primarily to local and regional customers. With a market capitalisation around $493 million, the firm’s performance tends to reflect regional economic conditions, interest-rate cycles and credit quality trends. Important drivers for investors include net interest margin trends (sensitive to central-bank rates and deposit costs), loan growth versus deposit growth, and management of credit losses and provisioning. Regulation, competition for deposits and potential consolidation in the regional-banking sector are additional factors. This is educational information only — not personalised investment advice. Bank stocks can be volatile: values can rise and fall and past performance is not a reliable guide to the future. Investors should consider their investment horizon, risk tolerance and seek independent advice if unsure about suitability.

Comparison Snapshot

Key Financial Metrics

FFIC

Metric

CBNK

$577.27M

Market Cap

$488.69M

-12.23%

Potential Profit

13.73%

Hold

Analyst Rating

Buy

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