For the quarter ending 2026-03-31, FFIC had $42,276K increase in cash & cash equivalents over the period. -$58,591K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|
| Net income (loss) | -9,021 | 10,447 | 4,407 |
| Net (gain) loss on sales of oreo | - | 0 | - |
| Provision (benefit) for credit losses | -8,032 | 1,531 | 8,512 |
| Impairment of goodwill | - | 0 | 17,636 |
| Depreciation and amortization of premises and equipment | -2,735 | 1,316 | 2,740 |
| Net (gain) loss on sales of loans | -3,611 | 318 | 3,387 |
| Net amortization (accretion) of premiums and discounts | 950 | -796 | -1,144 |
| Deferred income tax provision (benefit) | -7,404 | 2,311 | 6,623 |
| Net loss (gain) from fair value adjustments | -3,233 | -1,831 | 1,504 |
| Net (gain) loss from fair value adjustments of hedges | 87 | - | -121 |
| Loss (gain) from life insurance proceeds | 99 | 0 | - |
| Loss (income) from bank owned life insurance | -4,526 | 2,319 | 4,409 |
| Stock-based compensation expense | -605 | 695 | 1,653 |
| Deferred compensation | 1,454 | -86 | -1,592 |
| Amortization of core deposit intangibles | -192 | 86 | 183 |
| (increase) decrease in other assets | 9,869 | -1,255 | -3,850 |
| (decrease) increase in other liabilities | -17,342 | 1,895 | -3,106 |
| Net cash provided by (used in) operating activities | -61,095 | 19,561 | 32,629 |
| Purchases of premises and equipment | -2,504 | 244 | 3,033 |
| Purchases of federal home loan bank new york stock | -7,277 | 444 | 7,584 |
| Redemptions of federal home loan bank new york stock | -26,047 | 5,308 | 21,907 |
| Proceeds from prepayments of securities held-to-maturity | -636 | 324 | 648 |
| Purchases of securities available for sale | 13,750 | 301,217 | 39,206 |
| Proceeds from sales and calls of securities available for sale | -178,564 | 178,750 | 34,080 |
| Proceeds from maturities and prepayments of securities available for sale | -64,510 | 48,179 | 90,474 |
| Proceeds from sale of real estate owned | - | 0 | - |
| Proceeds from bank owned life insurance | -1,111 | 0 | 1,633 |
| Change in cash collateral | - | -3,300 | -22,550 |
| Net repayments (originations) of loans | 165,392 | -167,181 | -124,365 |
| Purchases of loans | -179,607 | 136,193 | 77,365 |
| Proceeds from sale of loans originally classified as held for investment | -62,791 | 6,616 | 62,349 |
| Net cash provided by (used in) investing activities | -297,563 | -35,040 | 185,718 |
| Net increase (decrease) in noninterest-bearing deposits | -101,980 | 65,165 | 63,057 |
| Net increase (decrease) in interest-bearing deposits | 127,482 | 46,377 | 31,697 |
| Net increase (decrease) in mortgagors' escrow deposits | -7,037 | -14,342 | -15,273 |
| Net proceeds (repayments) from short-term borrowed funds | 365,000 | -110,000 | -315,000 |
| Proceeds from long-term borrowing | - | - | 0 |
| Repayment of long-term borrowings | 11,748 | - | 0 |
| Repurchase of shares to satisfy tax obligations | -97 | 13 | 708 |
| Cash dividends paid | -15,046 | 7,586 | 15,117 |
| Net cash provided by (used in) financing activities | 400,934 | 8,285 | -220,798 |
| Net increase (decrease) in cash and cash equivalents, and restricted cash | 42,276 | -7,194 | -2,451 |
| Cash, cash equivalents, and restricted cash, beginning of period | 142,929 | 152,574 | - |
| Cash, cash equivalents, and restricted cash, end of period | 158,707 | 142,929 | - |
FLUSHING FINANCIAL CORP (FFIC)
FLUSHING FINANCIAL CORP (FFIC)