Flushing Financial vs First Foundation

This page compares Flushing Financial and First Foundation, examining business models, financial performance, and market context. It presents information in a neutral, accessible way. Educational content, not financial advice.

This page compares Flushing Financial and First Foundation, examining business models, financial performance, and market context. It presents information in a neutral, accessible way. Educational cont...

Comparison Snapshot

Key Financial Metrics

FFIC

Metric

FFWM

$509.72M

Market Cap

$506.42M

-0.50%

Potential Profit

24.21%

Hold

Analyst Rating

Buy

Investment Analysis

Flushing Financial

FFIC

Pros

Flushing Financial offers a relatively high dividend yield of 6.56%, providing income potential for investors.
The company has shown double-digit basis point increases in GAAP and Core Net Interest Margin recently, indicating improving profitability.
The bank has a diverse loan portfolio including multi-family residential, commercial real estate, SBA, and construction loans, supporting revenue sources.

Considerations

Flushing Financial posted a negative net income of approximately $36 million over the trailing twelve months, reflecting ongoing profitability challenges.
Its stock price has declined notably by about 15.8% over the past year, suggesting valuation headwinds or investor concerns.
The company has a modest market capitalization (~$452 million), which may translate to lower liquidity and higher volatility in its shares.

First Foundation

FFWM

Pros

First Foundation has shown stable growth driven by its focus on wealth management and banking services tailored to high-net-worth clients.
The company has been executing strategic acquisitions to expand its geographic footprint and service offering, supporting growth prospects.
Strong balance sheet and capital position provide a buffer against economic cycles and enable ongoing investments in technology and client services.

Considerations

First Foundation’s earnings are somewhat sensitive to interest rate fluctuations, which could affect net interest margins amid changing economic conditions.
Regulatory compliance and integration risks from acquisitions present ongoing operational challenges.
The company faces competitive pressures from larger banks and fintech firms, which could impact market share and pricing power.

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.

First Foundation (FFWM)

First Foundation Inc. is a financial services firm that provides an integrated platform of services to individuals, businesses, and other organisations. The company operates through two primary segments: Banking and Wealth Management. Through its banking arm, it offers a suite of products, including loans, deposits, and treasury management. Its wealth management division focuses on investment advice, planning, and trust services. By combining these core financial disciplines, First Foundation aims to offer a comprehensive and seamless experience for its clients, from everyday banking needs to long-term financial planning. This integrated approach is designed to cater to a diverse clientele, including small-to-medium-sized businesses, professional firms, individuals, and families. As with any investment, the value can go down as well as up, and past performance is not a guide to the future.

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 Bridgewater Bancshares

Flushing Financial vs Arrow Financial

Flushing Financial vs Capital Bancorp

Flushing Financial vs First Foundation

Comparison Snapshot