Flushing Financial CORP: management transactions · United States · SEC (Form 4)

About Flushing Financial CORP

Flushing Financial Corp. is a U.S.-listed banking company traded on the NASDAQ under the ticker FFIC. It is the holding company for Flushing Bank, a regional bank focused on gathering retail deposits and lending to consumers, businesses, and public-sector entities. The company was organized in 1994 as a Delaware corporation, and its operating headquarters are in Uniondale, New York. Historically, Flushing Financial has built its franchise around the New York metropolitan area, with a business model that combines community banking with a strong specialization in real-estate-related lending. ([sec.gov](https://www.sec.gov/Archives/edgar/data/923139/000110465926024646/ffic-20251231x10k.htm?utm_source=openai)) From an operating standpoint, the core of the business is deposit-funded lending. The loan book is centered on multi-family residential properties, commercial real estate, mixed-use properties, and commercial business loans. The bank also originates construction loans, SBA loans, equipment financing loans, and, to a lesser extent, consumer loans. In addition, it holds mortgage-backed securities, U.S. government securities, corporate fixed-income securities, and other marketable securities. This makes FFIC a specialized regional bank rather than a broad universal lender, with economics that depend heavily on credit quality, funding costs, and the spread between deposit pricing and asset yields. ([sec.gov](https://www.sec.gov/Archives/edgar/data/923139/000155837025002687/ffic-20241231x10k.htm?utm_source=openai)) Its geographic footprint remains concentrated in the New York market, with full-service offices in Queens, Nassau, Suffolk, Kings, and New York counties, plus digital banking capabilities through the iGObanking and BankPurely brands. That regional concentration gives Flushing Financial a differentiated position in a highly competitive banking landscape dominated by large national banks, other regional lenders, and local community banks. Its competitive edge comes from long-standing relationships, local underwriting expertise, and a deep understanding of the New York real estate ecosystem. ([stockanalysis.com](https://stockanalysis.com/stocks/ffic/company/?utm_source=openai)) Recent developments indicate a company that has been actively repositioning its balance sheet. In 2024, Flushing Financial raised capital, sold lower-yielding securities, refinanced borrowings, and moved loans held for sale as part of efforts to improve future profitability and strengthen capital. The 2024 annual report also showed a net loss, underscoring pressure from higher funding costs and restructuring actions. More recently, in March 2026, the company announced a quarterly dividend of $0.22 per share. Several SEC Form 4 filings in early 2026 reflected routine equity-compensation-related transactions and tax-withholding share movements, rather than large discretionary insider buying or selling. ([sec.gov](https://www.sec.gov/Archives/edgar/data/923139/000155837025002687/ffic-20241231x10k.htm?utm_source=openai))