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Dec 31, 2025
Flushing Financial Q4 2025 Earnings Report
Flushing Financial reported its Q4 2025 results, returning to profitability with improved margins and stable credit metrics.
Key Takeaways
Flushing Financial posted a GAAP EPS of $0.12 and Core EPS of $0.32 in Q4 2025, reflecting a recovery from losses a year ago. Net interest income and margin expanded, while credit quality remained stable. Deposit growth and capital ratios also improved, reinforcing financial stability ahead of its merger with OceanFirst.
GAAP EPS was $0.12 and Core EPS was $0.32, compared to ($1.64) and $0.14 in Q4 2024.
Net interest margin rose to 2.68%, driven by improved deposit mix and lower funding costs.
Average noninterest-bearing deposits rose 11.6% YoY and now account for 12.9% of total deposits.
Net charge-offs increased to $1.8M (0.11% of average loans), up from $1.1M in Q3 2025.
Revenue by Segment
Forward Guidance
The company expects continued capital strength and loan pipeline momentum, supported by stable credit metrics and a strong deposit base, though macroeconomic and merger-related uncertainties persist.
Positive Outlook
- Loan pipeline of $275.5 million positions company for future growth.
- Liquidity of $3.9 billion provides ample financial flexibility.
- Tangible common equity ratio improved to 8.14%.
- Strong growth in noninterest-bearing deposits.
- Continued NIM expansion reflects favorable funding dynamics.
Challenges Ahead
- Net charge-offs increased QoQ to $1.8 million.
- Provision for credit losses rose to $2.7 million from $1.5 million in Q3.
- Core noninterest income declined 11.4% QoQ.
- Core EPS slightly down from prior quarter ($0.32 vs $0.35).
Historical Earnings Impact
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Avg. Return Before/After Earnings
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