Flushing Financial vs Arrow Financial

This page compares Flushing Financial (FLUSHING FINANCIAL CORP) and Arrow Financial (ARROW FINANCIAL CORP). It examines business models, financial performance, and market context in a neutral, accessible way. Educational content, not financial advice.

This page compares Flushing Financial (FLUSHING FINANCIAL CORP) and Arrow Financial (ARROW FINANCIAL CORP). It examines business models, financial performance, and market context in a neutral, accessi...

Comparison Snapshot

Key Financial Metrics

FFIC

Metric

AROW

$509.72M

Market Cap

$532.90M

-0.50%

Potential Profit

-1.41%

Hold

Analyst Rating

Buy

Investment Analysis

Flushing Financial

FFIC

Pros

Strong financial health indicated by a solid debt/equity ratio of 69.2%.
Diverse revenue streams that support a balanced outlook for 2025.
Positive recent earnings estimate revisions suggest potential EPS growth of about 70% year-over-year.

Considerations

Reported negative net income of approximately -$34 million in the trailing twelve months.
Low valuation metrics with a price-to-earnings ratio currently not meaningful due to losses.
Experienced a negative net profit margin near -24%, indicating profitability challenges.

Arrow Financial

AROW

Pros

Provides a broad range of financial products including commercial loans, mortgages, and online banking services.
Focuses on commercial and industrial lending to small and mid-sized companies, a potential growth segment.
Established presence in the United States commercial banking sector with stable advisory and administrative services.

Considerations

Limited recent public financial data availability hampers detailed performance assessment.
Market capitalization around $480 million indicates a smaller scale compared to larger competitors.
Revenue primarily dependent on interest income and fees, which may be sensitive to interest rate fluctuations.

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.

Arrow Financial (AROW)

Arrow Financial Corporation is a US-based bank holding company with a strong regional focus. Through its main subsidiary banks, it provides a comprehensive suite of financial services to individuals and businesses across New York State, from the capital region up to the Canadian border. Its operations are quite diverse, extending beyond traditional banking to include wealth management, trust services, and insurance products like property, casualty, and health insurance. The organisation also engages in indirect consumer lending for automobiles in New York and Vermont. This multi-faceted business model means it has several avenues for generating revenue. As with any financial institution, its performance can be influenced by regional economic trends and interest rate changes. Investors considering this stock should be aware that all investments carry risk, and past performance is not a guarantee of future returns.

Which Baskets Do They Appear In?

Banking Liquidity Strain: Risks and Resilient Options

U.S. banks have significantly increased their borrowing from the Fed's emergency lending facility, signaling potential stress in short-term funding markets. This theme focuses on resilient financial institutions and technology providers that can help navigate or benefit from these tightening liquidity conditions.

Published: October 16, 2025

Explore Basket

The Next Fed Chair: A Monetary Policy Pivot

President Trump's search for a new Federal Reserve Chair, including private-sector candidates, signals a potential shift in monetary policy. This could create opportunities in interest-rate-sensitive industries, such as banking and housing, if the new leadership prioritizes lower borrowing costs.

Published: August 14, 2025

Explore Basket

Banking On The Fed's Rate Hold

The Federal Reserve's decision to maintain current interest rates, despite political pressure, signals a commitment to managing inflation. This creates an investment opportunity in companies that benefit from a stable and higher interest rate environment, such as banks and other financial services firms.

Published: July 30, 2025

Explore Basket

Which Baskets Do They Appear In?

Banking Liquidity Strain: Risks and Resilient Options

U.S. banks have significantly increased their borrowing from the Fed's emergency lending facility, signaling potential stress in short-term funding markets. This theme focuses on resilient financial institutions and technology providers that can help navigate or benefit from these tightening liquidity conditions.

Published: October 16, 2025

Explore Basket

The Next Fed Chair: A Monetary Policy Pivot

President Trump's search for a new Federal Reserve Chair, including private-sector candidates, signals a potential shift in monetary policy. This could create opportunities in interest-rate-sensitive industries, such as banking and housing, if the new leadership prioritizes lower borrowing costs.

Published: August 14, 2025

Explore Basket

Banking On The Fed's Rate Hold

The Federal Reserve's decision to maintain current interest rates, despite political pressure, signals a commitment to managing inflation. This creates an investment opportunity in companies that benefit from a stable and higher interest rate environment, such as banks and other financial services firms.

Published: July 30, 2025

Explore Basket

Financially Fit

These carefully selected companies showcase exceptional financial discipline with fortress-like balance sheets. Our professional analysts have identified businesses with minimal debt and strong cash positions, giving them the resilience to thrive in any economic environment.

Published: June 18, 2025

Explore Basket

Islamic Finance Leaders

This carefully selected group of stocks represents companies at the forefront of Sharia-compliant finance. Our professional analysts have identified these opportunities based on their adherence to Islamic principles while meeting strong financial criteria.

Published: June 18, 2025

Explore Basket

Discover More Comparisons

Flushing Financial vs First Foundation

Flushing Financial vs Bridgewater Bancshares

Flushing Financial vs Capital Bancorp

Flushing Financial vs Arrow Financial

Comparison Snapshot