Flushing Financial (FFIC)
Market Price (6/2/2026): $15.49 | Market Cap: $526.3 MilSector: Financials | Industry: Regional Banks
Flushing Financial (FFIC)
Market Price (6/2/2026): $15.49Market Cap: $526.3 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 5.8%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 8.1%, FCF Yield is 7.8% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -228% Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 73% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 19%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 17% Low stock price volatilityVol 12M is 31% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. | Weak multi-year price returns2Y Excs Rtn is -8.2%, 3Y Excs Rtn is -22% | Weak revenue growthRev Chg QQuarterly Revenue Change % is -1.9% Key risksFFIC key risks include [1] challenged profitability and dividend sustainability stemming from recent losses and shareholder dilution, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 5.8%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 8.1%, FCF Yield is 7.8% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -228% |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 73% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 19%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 17% |
| Low stock price volatilityVol 12M is 31% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Weak multi-year price returns2Y Excs Rtn is -8.2%, 3Y Excs Rtn is -22% |
| Weak revenue growthRev Chg QQuarterly Revenue Change % is -1.9% |
| Key risksFFIC key risks include [1] challenged profitability and dividend sustainability stemming from recent losses and shareholder dilution, Show more. |
Qualitative Assessment
AI Analysis | Feedback
Flushing Financial (FFIC) stock has gained about 5% since 2/28/2026 because of the following key factors:
1. Completion of Merger with OceanFirst Financial Corp.
The primary driver for Flushing Financial's stock movement was the completion of its merger with OceanFirst Financial Corp. on June 1, 2026. This strategic acquisition, which had received all requisite regulatory and shareholder approvals by April 27, 2026, resulted in each share of Flushing common stock being converted into the right to receive 0.85 shares of OceanFirst common stock. This merger event concluded a period where Flushing's stock had already delivered a 39% return over the preceding twelve months to its shareholders.
2. Return to Profitability in Q1 2026.
Flushing Financial returned to profitability in the first quarter of 2026, reporting a net income of $5.8 million, or $0.17 per diluted share. This marked a significant improvement compared to a net loss of $9.8 million in the same quarter a year earlier, which was impacted by a goodwill impairment. The company's net interest income also increased to $55.2 million, with the provision for credit losses on loans decreasing to $2.2 million. Although the core EPS of $0.29 missed analyst estimates of $0.33, the overall return to profitability and improved financial metrics were positive signals to investors.
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Stock Movement Drivers
Fundamental Drivers
The 3.1% change in FFIC stock from 2/28/2026 to 6/1/2026 was primarily driven by a 48.3% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 2282026 | 6012026 | Change |
|---|---|---|---|
| Stock Price ($) | 15.00 | 15.47 | 3.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 160 | 238 | 48.3% |
| P/S Multiple | 3.2 | 2.2 | -30.4% |
| Shares Outstanding (Mil) | 34 | 34 | -0.1% |
| Cumulative Contribution | 3.1% |
Market Drivers
2/28/2026 to 6/1/2026| Return | Correlation | |
|---|---|---|
| FFIC | 3.1% | |
| Market (SPY) | 10.9% | 44.1% |
| Sector (XLF) | 0.5% | 47.2% |
Fundamental Drivers
The -1.8% change in FFIC stock from 11/30/2025 to 6/1/2026 was primarily driven by a -33.7% change in the company's P/S Multiple.| (LTM values as of) | 11302025 | 6012026 | Change |
|---|---|---|---|
| Stock Price ($) | 15.75 | 15.47 | -1.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 160 | 238 | 48.3% |
| P/S Multiple | 3.3 | 2.2 | -33.7% |
| Shares Outstanding (Mil) | 34 | 34 | -0.1% |
| Cumulative Contribution | -1.8% |
Market Drivers
11/30/2025 to 6/1/2026| Return | Correlation | |
|---|---|---|
| FFIC | -1.8% | |
| Market (SPY) | 11.6% | 35.2% |
| Sector (XLF) | -2.7% | 43.6% |
Fundamental Drivers
The 38.7% change in FFIC stock from 5/31/2025 to 6/1/2026 was primarily driven by a 73.2% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 5312025 | 6012026 | Change |
|---|---|---|---|
| Stock Price ($) | 11.16 | 15.47 | 38.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 137 | 238 | 73.2% |
| P/S Multiple | 2.8 | 2.2 | -19.8% |
| Shares Outstanding (Mil) | 34 | 34 | -0.1% |
| Cumulative Contribution | 38.7% |
Market Drivers
5/31/2025 to 6/1/2026| Return | Correlation | |
|---|---|---|
| FFIC | 38.7% | |
| Market (SPY) | 30.2% | 39.3% |
| Sector (XLF) | 2.5% | 51.7% |
Fundamental Drivers
The 63.1% change in FFIC stock from 5/31/2023 to 6/1/2026 was primarily driven by a 233.0% change in the company's P/E Multiple.| (LTM values as of) | 5312023 | 6012026 | Change |
|---|---|---|---|
| Stock Price ($) | 9.48 | 15.47 | 63.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 241 | 238 | -1.3% |
| Net Income Margin (%) | 26.1% | 14.5% | -44.3% |
| P/E Multiple | 4.6 | 15.2 | 233.0% |
| Shares Outstanding (Mil) | 30 | 34 | -10.9% |
| Cumulative Contribution | 63.1% |
Market Drivers
5/31/2023 to 6/1/2026| Return | Correlation | |
|---|---|---|
| FFIC | 63.1% | |
| Market (SPY) | 88.6% | 40.4% |
| Sector (XLF) | 70.0% | 54.1% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| FFIC Return | 51% | -17% | -10% | -8% | 13% | 8% | 29% |
| Peers Return | 36% | -4% | -9% | 7% | 11% | 14% | 62% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 11% | 102% |
Monthly Win Rates [3] | |||||||
| FFIC Win Rate | 75% | 33% | 42% | 50% | 58% | 60% | |
| Peers Win Rate | 65% | 45% | 45% | 53% | 57% | 64% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 60% | |
Max Drawdowns [4] | |||||||
| FFIC Max Drawdown | -17% | -23% | -53% | -36% | -27% | -12% | |
| Peers Max Drawdown | -20% | -24% | -47% | -27% | -25% | -13% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: VLY, DCOM, PFS, OCFC, WSBC.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 6/1/2026 (YTD)
How Low Can It Go
| Event | FFIC | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -26.3% | -18.8% |
| % Gain to Breakeven | 35.7% | 23.1% |
| Time to Breakeven | 160 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -13.9% | -9.5% |
| % Gain to Breakeven | 16.1% | 10.5% |
| Time to Breakeven | 10 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -52.2% | -6.7% |
| % Gain to Breakeven | 109.1% | 7.1% |
| Time to Breakeven | 544 days | 31 days |
| 2020 COVID-19 Crash | ||
| % Loss | -47.1% | -33.7% |
| % Gain to Breakeven | 89.1% | 50.9% |
| Time to Breakeven | 286 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -14.8% | -19.2% |
| % Gain to Breakeven | 17.3% | 23.8% |
| Time to Breakeven | 854 days | 105 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -19.9% | -17.9% |
| % Gain to Breakeven | 24.9% | 21.8% |
| Time to Breakeven | 29 days | 123 days |
In The Past
Flushing Financial's stock fell -26.3% during the 2025 US Tariff Shock. Such a loss loss requires a 35.7% gain to breakeven.
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Asset Allocation
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| Event | FFIC | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -26.3% | -18.8% |
| % Gain to Breakeven | 35.7% | 23.1% |
| Time to Breakeven | 160 days | 79 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -52.2% | -6.7% |
| % Gain to Breakeven | 109.1% | 7.1% |
| Time to Breakeven | 544 days | 31 days |
| 2020 COVID-19 Crash | ||
| % Loss | -47.1% | -33.7% |
| % Gain to Breakeven | 89.1% | 50.9% |
| Time to Breakeven | 286 days | 140 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -74.5% | -53.4% |
| % Gain to Breakeven | 292.3% | 114.4% |
| Time to Breakeven | 739 days | 1085 days |
In The Past
Flushing Financial's stock fell -26.3% during the 2025 US Tariff Shock. Such a loss loss requires a 35.7% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Flushing Financial (FFIC)
AI Analysis | Feedback
- It's like a community-focused Bank of America for the New York City and Long Island region.
- Think of it as a smaller, localized version of a regional bank like M&T Bank, operating across New York City and Long Island.
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- Deposit Accounts: Offers various accounts including checking, savings, money market, and certificates of deposit for consumers and businesses.
- Real Estate Loans: Provides mortgage loans for multi-family residential, commercial real estate, mixed-use, and one-to-four family residential properties.
- Commercial Business Loans: Extends loans to businesses, including Small Business Administration (SBA) loans, to support their operations and growth.
- Construction Loans: Funds projects specifically for property construction.
- Mortgage Loan Surrogates: Invests in mortgage-backed securities.
- Consumer Loans: Provides consumer lending options, such as overdraft lines of credit.
- Investment Securities: Holds various marketable securities, including U.S. government and corporate fixed-income securities.
- Municipal Banking Services: Offers banking services tailored for public municipalities such as counties, cities, towns, and school districts.
AI Analysis | Feedback
```htmlFlushing Financial (FFIC) serves the following major categories of customers:
- Consumers (Individuals): These customers utilize a variety of deposit products such as checking, savings, money market, demand, NOW accounts, and certificates of deposit. They also receive mortgage loans for one-to-four family residential properties and consumer loans, including overdraft lines of credit.
- Businesses: This category includes small businesses and other commercial entities that utilize deposit products, commercial business loans, construction loans, Small Business Administration (SBA) loans, and mortgage loans secured by multi-family residential, commercial real estate, and one-to-four family mixed-use properties.
- Governmental Units/Public Municipalities: Flushing Financial provides banking services, including various deposit products, to public municipalities such as counties, cities, towns, villages, school districts, libraries, fire districts, and various courts.
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John R. Buran, President, Chief Executive Officer and Director
John R. Buran joined Flushing Financial Corporation and Flushing Bank in 2001 as Chief Operating Officer, becoming a director in 2003, and was named President and Chief Executive Officer in July 2005. His banking career began in 1977 at Citibank, where he held various senior management positions. He also held roles at Fleet Bank (NY Metro Division, as Executive Vice President) and NatWest Bank. Buran has served on the Federal Home Loan Bank of New York (FHLBNY) Board as a Member Director since December 1, 2010, and was its Chairman from January 1, 2018, to 2023. He is also a past chairman and current board member of the New York Bankers Association. He serves on the boards of Channel 21 LP, Long Island University, New York Business Development Corp., Long Island Association, Inc., The Long Island Philharmonic, Inc., Neighborhood Housing Services of New York City, Inc., Family & Children's Association, New York Bankers Service Corp., Korean American Youth Foundation, and St. Joseph's College.
Susan K. Cullen, Senior Executive Vice President, Treasurer, Chief Financial Officer and Principal Accounting Officer
Susan K. Cullen has served as Chief Financial Officer of Flushing Financial Corporation (FFIC) and Flushing Bank since February 2016, having joined the company in August 2015. She is a Certified Public Accountant and has held prior leadership roles in SEC reporting, investor relations, risk, and audit. Her previous experience includes serving as Executive Vice President of SEC Reporting & Investor Relations (January 2014 – July 2015) and Executive Vice President, Chief Risk Officer (June 2012 – January 2014) at Hudson Valley Bank. Before her time at Hudson Valley Bank, Cullen was an Audit Partner in the Financial Services Practice at Grant Thornton LLP.
Maria A. Grasso, Senior Executive Vice President, Chief Operating Officer and Corporate Secretary
Maria A. Grasso is responsible for several of Flushing Financial's strategic initiatives, including mergers and acquisitions, corporate-wide change management, process reengineering, expense management, and customer experience. She also manages the bank's human resources, compliance, BSA, operations, and customer service departments. With over 36 years in the banking business, Grasso began her career with Chase Manhattan. Prior to joining Flushing Financial, she was Senior Vice President and Division Head of The Bank of New York for Long Island and Queens, and also held positions at Fleet Bank, N.A. and Natwest Bank. Grasso holds an MBA from Adelphi University and a BBA from Hofstra University. She was inducted into the Sachem Hall of Honor in 2023.
Michael Bingold, Senior Executive Vice President, Chief Retail and Client Development Officer
Michael Bingold serves as the Senior Executive Vice President, Chief Retail and Client Development Officer at Flushing Financial Corporation.
Allen M. Brewer, Senior Executive Vice President and Chief Information Officer
Allen M. Brewer is the Senior Executive Vice President and Chief Information Officer for Flushing Financial Corporation.
AI Analysis | Feedback
Flushing Financial Corporation (FFIC) faces several key risks inherent to its business model as a regional bank operating primarily in the New York metropolitan area. These risks are primarily driven by its significant exposure to real estate lending and its geographic concentration. The three key risks to Flushing Financial's business are: 1. **Downturn in the New York Metropolitan Area Real Estate Market:** A substantial portion of Flushing Financial's loan portfolio is secured by multi-family residential, commercial real estate, one-to-four family mixed-use property, and construction loans. A significant downturn in the New York real estate market, particularly commercial real estate, poses a direct and substantial threat to the bank's asset quality and overall financial health. Such a downturn could lead to increased loan defaults, higher loan losses, and reduced collateral values, directly impacting profitability. 2. **Sensitivity to Interest Rate Fluctuations:** As a financial institution, Flushing Financial's profitability is highly dependent on its net interest margin, which is the difference between the interest earned on assets (like loans) and the interest paid on liabilities (like deposits). Fluctuations in interest rates can significantly impact this margin. The company's net interest income and net interest margin have demonstrated volatility, indicating a susceptibility to interest rate changes. 3. **Regional Economic Downturn:** Flushing Financial operates exclusively within the New York City boroughs and Nassau and Suffolk County, New York. This geographic concentration makes the company highly vulnerable to a regional economic downturn or specific adverse economic events within this area. Such a downturn could lead to reduced loan demand, increased unemployment, higher loan defaults across all loan types (not just real estate), and potential deposit outflows, broadly affecting the bank's financial performance.AI Analysis | Feedback
The emergence of digital-only banks and fintech companies that offer banking products and services with lower operational overhead and a superior digital customer experience, directly threatening Flushing Financial's traditional branch-based model.
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Flushing Financial Corporation (FFIC) is expected to drive future revenue growth over the next 2-3 years through several strategic initiatives and market dynamics:
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Net Interest Margin (NIM) Expansion and Loan Repricing: The company anticipates significant net interest income growth driven by margin expansion and higher yields on its loan and securities portfolios. Management has specifically identified substantial loan repricing through 2027 as a key contributor to predictable revenue growth. This is further supported by the expectation that a positively sloped yield curve would benefit net interest margins.
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Core Deposit Growth, Particularly Noninterest-Bearing Deposits: Flushing Financial is committed to enhancing funding stability by emphasizing the growth of retail core deposits, especially noninterest-bearing deposits. The expansion of noninterest-bearing deposits provides a stable, low-cost funding base, which can positively impact overall profitability and net interest income.
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Strategic Merger with OceanFirst: The definitive merger agreement with OceanFirst Financial is a significant driver, aiming to establish a broader regional banking footprint across New Jersey, Long Island, and New York City. This transformational merger is expected to expand the company's scale and market presence, contributing to revenue growth.
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Expansion in Asian Markets: Flushing Financial is strategically focusing on expanding its presence within the Asian banking niche, including opening new branches in areas like Chinatown. This targeted expansion aims to grow its customer base and deposit relationships within this demographic, leveraging its strong community bank positioning in the NYC area.
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Growth in Small Business Administration (SBA) and Other Small Business Loans: The company is actively exploring and expanding opportunities in Small Business Administration (SBA) loans and other small business lending. This focus on specialized business lending can diversify its loan portfolio and tap into a growing market segment, contributing to overall loan growth and interest income.
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Share Repurchases
- In May 2023, Flushing Financial Corporation repurchased 270,338 shares of its common stock at an average price of $11.47.
- The Board of Directors authorized an increase of 1,000,000 shares for its common stock purchase program in May 2023, bringing the combined remaining authorization to 1.2 million shares with no stated expiration or maximum dollar amount.
- As of July 2025, the company's CFO indicated that share repurchases were unlikely in the second half of 2025, as the priority was to build capital.
Share Issuance
- As part of the December 2025 merger agreement with OceanFirst Financial, Flushing Financial shareholders are set to receive OceanFirst shares (0.85x per Flushing share) in an all-stock transaction.
Inbound Investments
- Concurrent with the December 2025 merger agreement between Flushing Financial and OceanFirst Financial, Warburg Pincus made a $225 million equity investment in the combined bank.
Capital Expenditures
- In 2025, Flushing Financial planned to open two new branches, with one already opened in Jackson Heights and another in Chinatown requiring expansion due to increased activity.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| How Low Can Flushing Financial Stock Really Go? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 20.05 |
| Mkt Cap | 2.2 |
| Rev LTM | 680 |
| Op Inc LTM | - |
| FCF LTM | 289 |
| FCF 3Y Avg | 188 |
| CFO LTM | 296 |
| CFO 3Y Avg | 196 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 26.6% |
| Rev Chg 3Y Avg | 7.6% |
| Rev Chg Q | 10.4% |
| QoQ Delta Rev Chg LTM | 2.5% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 32.0% |
| CFO/Rev 3Y Avg | 31.4% |
| FCF/Rev LTM | 31.0% |
| FCF/Rev 3Y Avg | 30.5% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 2.2 |
| P/S | 3.2 |
| P/Op Inc | - |
| P/EBIT | - |
| P/E | 12.2 |
| P/CFO | 9.3 |
| Total Yield | 12.2% |
| Dividend Yield | 3.8% |
| FCF Yield 3Y Avg | 10.7% |
| D/E | 0.7 |
| Net D/E | 0.1 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -1.6% |
| 3M Rtn | 1.5% |
| 6M Rtn | 10.4% |
| 12M Rtn | 37.9% |
| 3Y Rtn | 47.9% |
| 1M Excs Rtn | -7.5% |
| 3M Excs Rtn | -9.0% |
| 6M Excs Rtn | -0.2% |
| 12M Excs Rtn | 8.3% |
| 3Y Excs Rtn | -22.9% |
Price Behavior
| Market Price | $15.47 | |
| Market Cap ($ Bil) | 0.5 | |
| First Trading Date | 11/21/1995 | |
| Distance from 52W High | -9.6% | |
| 50 Days | 200 Days | |
| DMA Price | $15.73 | $14.80 |
| DMA Trend | up | up |
| Distance from DMA | -1.7% | 4.5% |
| 3M | 1YR | |
| Volatility | 24.2% | 31.0% |
| Downside Capture | 80.25 | 101.67 |
| Upside Capture | 50.91 | 108.63 |
| Correlation (SPY) | 44.6% | 39.7% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 1.38 | 1.09 | 0.74 | 0.83 | 1.03 | 1.09 |
| Up Beta | 2.03 | 1.17 | 0.86 | 0.92 | 1.26 | 1.03 |
| Down Beta | 1.22 | 0.38 | 0.48 | 0.35 | 0.68 | 0.96 |
| Up Capture | 61% | 70% | 71% | 82% | 120% | 156% |
| Bmk +ve Days | 13 | 28 | 36 | 67 | 141 | 432 |
| Stock +ve Days | 9 | 22 | 30 | 59 | 121 | 363 |
| Down Capture | 206% | 191% | 82% | 107% | 101% | 106% |
| Bmk -ve Days | 7 | 13 | 27 | 57 | 109 | 318 |
| Stock -ve Days | 11 | 18 | 32 | 63 | 126 | 379 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with FFIC | |
|---|---|---|---|---|
| FFIC | 37.6% | 30.9% | 1.05 | - |
| Sector ETF (XLF) | 2.7% | 14.4% | -0.04 | 51.6% |
| Equity (SPY) | 30.2% | 11.8% | 1.93 | 39.1% |
| Gold (GLD) | 34.7% | 26.7% | 1.09 | 6.8% |
| Commodities (DBC) | 42.7% | 18.9% | 1.75 | -16.8% |
| Real Estate (VNQ) | 9.6% | 13.2% | 0.44 | 40.9% |
| Bitcoin (BTCUSD) | -30.6% | 41.6% | -0.77 | 19.8% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with FFIC | |
|---|---|---|---|---|
| FFIC | -2.6% | 36.9% | 0.02 | - |
| Sector ETF (XLF) | 8.3% | 18.6% | 0.33 | 53.0% |
| Equity (SPY) | 14.2% | 17.0% | 0.65 | 39.3% |
| Gold (GLD) | 18.5% | 18.0% | 0.83 | 0.7% |
| Commodities (DBC) | 10.3% | 19.4% | 0.42 | 9.4% |
| Real Estate (VNQ) | 2.8% | 18.8% | 0.05 | 40.4% |
| Bitcoin (BTCUSD) | 13.7% | 54.6% | 0.44 | 14.4% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with FFIC | |
|---|---|---|---|---|
| FFIC | 2.1% | 36.9% | 0.17 | - |
| Sector ETF (XLF) | 12.7% | 22.1% | 0.52 | 61.6% |
| Equity (SPY) | 15.8% | 17.9% | 0.76 | 46.1% |
| Gold (GLD) | 13.1% | 16.0% | 0.68 | -2.1% |
| Commodities (DBC) | 7.4% | 17.9% | 0.33 | 15.8% |
| Real Estate (VNQ) | 5.5% | 20.7% | 0.23 | 45.2% |
| Bitcoin (BTCUSD) | 66.7% | 66.9% | 1.06 | 11.9% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/11/2026 | 10-Q |
| 12/31/2025 | 03/06/2026 | 10-K |
| 09/30/2025 | 11/05/2025 | 10-Q |
| 06/30/2025 | 08/07/2025 | 10-Q |
| 03/31/2025 | 05/07/2025 | 10-Q |
| 12/31/2024 | 03/11/2025 | 10-K |
| 09/30/2024 | 11/05/2024 | 10-Q |
| 06/30/2024 | 08/08/2024 | 10-Q |
| 03/31/2024 | 05/06/2024 | 10-Q |
| 12/31/2023 | 03/15/2024 | 10-K |
| 09/30/2023 | 11/07/2023 | 10-Q |
| 06/30/2023 | 08/09/2023 | 10-Q |
| 03/31/2023 | 05/10/2023 | 10-Q |
| 12/31/2022 | 03/14/2023 | 10-K |
| 09/30/2022 | 11/08/2022 | 10-Q |
| 06/30/2022 | 08/05/2022 | 10-Q |
Insider Activity
Updated 5/26/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Buran, John R | President and CEO | Direct | Sell | 5222026 | 15.83 | 36,239 | 573,663 | 1,471,858 | Form |
| 2 | Buonaiuto, Thomas | SEVP | Direct | Sell | 5122026 | 15.96 | 10,778 | 172,017 | 394,068 | Form |
| 3 | Buonaiuto, Thomas | SEVP | Spouse | Sell | 5122026 | 15.96 | 222 | Form | ||
| 4 | Buonaiuto, Thomas | SEVP | Direct | Sell | 2032026 | 16.20 | 1,570 | 25,434 | 574,598 | Form |
| 5 | Buonaiuto, Thomas | SEVP | Direct | Sell | 2032026 | 15.67 | 1,311 | 20,543 | 580,401 | Form |
Industry Resources
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External Quote Links
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