--- title: "Flushing Financial | 8-K: FY2025 Q4 Revenue: USD 58.81 M" type: "News" locale: "zh-CN" url: "https://longbridge.com/zh-CN/news/273899613.md" datetime: "2026-01-27T22:25:24.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/273899613.md) - [en](https://longbridge.com/en/news/273899613.md) - [zh-HK](https://longbridge.com/zh-HK/news/273899613.md) --- > 支持的语言: [English](https://longbridge.com/en/news/273899613.md) | [繁體中文](https://longbridge.com/zh-HK/news/273899613.md) # Flushing Financial | 8-K: FY2025 Q4 Revenue: USD 58.81 M Revenue: As of FY2025 Q4, the actual value is USD 58.81 M. EPS: As of FY2025 Q4, the actual value is USD 0.12, missing the estimate of USD 0.35. EBIT: As of FY2025 Q4, the actual value is USD -47.67 M. ### Financial Performance Overview Flushing Financial Corporation’s net interest margin (FTE) for Q4 2025 increased by 29 basis points year-over-year and 4 basis points quarter-over-quarter, reaching 2.68%. Core net interest margin (FTE) also rose by 41 basis points year-over-year and 4 basis points quarter-over-quarter, to 2.66%. The yield on interest-earning assets decreased by 12 basis points quarter-over-quarter to 5.58%, while the cost of funds decreased by 17 basis points quarter-over-quarter. #### Net Income Net Income for Q4 2025 was $4,026 thousand, an increase of 108.2% year-over-year but a decrease of 61.5% quarter-over-quarter. Core Net Income for Q4 2025 was $10,918 thousand, up 159.4% year-over-year but down 8.7% quarter-over-quarter. #### Provision for Credit Losses The provision for credit losses in Q4 2025 was $2,745 thousand, representing a 57.4% decrease year-over-year but a 79.3% increase quarter-over-quarter. Net charge-offs were $1,783 thousand (0.11% of average loans) in Q4 2025, compared to $4,736 thousand (0.28% of average loans) in Q4 2024 and $1,090 thousand (0.07% of average loans) in Q3 2025. #### Noninterest Income Total noninterest income in Q4 2025 was $3,303 thousand, showing a significant increase year-over-year (104.7%) but a decrease quarter-over-quarter (-30.4%). This figure includes a pre-tax loss of -$76.4 million in Q4 2024 from a balance sheet restructuring. Net gains (losses) from fair value adjustments were -$2.0 million in Q4 2025. Core noninterest income was $5,241 thousand in Q4 2025, down 12.4% year-over-year and 11.4% quarter-over-quarter. #### Noninterest Expense Noninterest expense in Q4 2025 was $48,228 thousand, an increase of 5.7% year-over-year and 11.2% quarter-over-quarter. GAAP noninterest expense to average assets was 2.18% in Q4 2025. Core noninterest expenses were $43,300 thousand, up 1.3% year-over-year and 2.5% quarter-over-quarter. Noninterest expenses (GAAP) included one-time charges related to the pending merger with OceanFirst Financial Corp. #### Return on Assets (ROAA) and Equity (ROAE) GAAP Return on Average Assets (ROAA) for Q4 2025 was 0.18%, and GAAP Return on Average Equity (ROAE) was 2.24%. Core ROAA was 0.49%, and Core ROAE was 6.08% for the same period. #### Balance Sheet and Operational Metrics Average total loans decreased 2.8% year-over-year and 0.05% quarter-over-quarter to $6.6 billion. Period-end net loans totaled $6.6 billion, a decrease of 1.4% year-over-year and 0.3% quarter-over-quarter. The loan pipeline was $275.5 million at December 31, 2025, up 38.6% year-over-year but down 20.3% quarter-over-quarter. Average total deposits increased 0.6% year-over-year and 2.1% quarter-over-quarter to $7.5 billion. Average noninterest-bearing deposits increased 11.6% year-over-year and 8.6% quarter-over-quarter, comprising 12.9% of total average deposits. #### Credit Quality Nonperforming assets (NPAs) to assets were 0.68% in Q4 2025, compared to 0.70% in the prior quarter. Nonperforming loans totaled $41,564 thousand in Q4 2025, increasing year-over-year but decreasing quarter-over-quarter. Criticized and classified loans were 126 basis points of gross loans at Q4 2025, up from 111 basis points at Q3 2025. The allowance for credit losses to gross loans was 0.64% in Q4 2025, compared to 0.60% in Q4 2024 and 0.63% in Q3 2025. The allowance for credit losses to nonperforming loans was 102.98% in Q4 2025. #### Capital Tangible Common Equity to Tangible Assets (TCE/TA) was 8.14% at December 31, 2025, an increase of 32 basis points from a year ago and 13 basis points from the prior quarter. Tangible book value per share was $20.94 at December 31, 2025, a decrease of 0.1% year-over-year and 0.4% quarter-over-quarter. The Company paid a dividend of $0.22 per share in Q4 2025. The Common Equity Tier 1 risk-based capital ratio was 10.61%, and the total risk-based capital ratio was 14.90% at December 31, 2025. ### Outlook / Guidance Flushing Financial Corporation anticipates a transformation and new opportunities from its announced merger with OceanFirst Financial Corp. Due to the pending merger, the Company will not host an earnings conference call for Q4 and full year 2025. Financial information will continue to be available via filings with the U.S. Securities and Exchange Commission. ### 相关股票 - [Flushing Financial (FFIC.US)](https://longbridge.com/zh-CN/quote/FFIC.US.md) ## 相关资讯与研究 - [Gamco Investors INC. 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