Flushing Financial Corporation — Earnings Quality Grade F
FFIC · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 91 days, change -91 days YoY
AR growth -4.2% vs revenue growth 91.5%
Revenue 91.5%, CFFO 391.6%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 126.0% vs revenue 91.5%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 3.23. Profits backed by cash
FCF $0.1B, FCF/NI = 2.96
Accruals ratio = -0.5%. Low accruals
Cash $0.1B covers only 20% of debt $0.5B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 0% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -96% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor FFIC continuously
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Altman Z-Score — Not Applicable
Flushing Financial Corporation is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25