Critical Comparison: Flushing Financial (NASDAQ:FFIC) & Blackhawk Bancorp (OTCMKTS:BHWB)

Flushing Financial (NASDAQ:FFIC) and Blackhawk Bancorp (OTCMKTS:BHWB) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their profitability, risk, dividends, earnings, institutional ownership, analyst recommendations and valuation.

Earnings and Valuation

This table compares Flushing Financial and Blackhawk Bancorp”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Flushing Financial	$160.34 million	2.88	-$31.33 million	($1.19)	-11.49
Blackhawk Bancorp	$63.13 million	N/A	$13.64 million	N/A	N/A

Blackhawk Bancorp has lower revenue, but higher earnings than Flushing Financial.

Profitability

This table compares Flushing Financial and Blackhawk Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Flushing Financial	-6.93%	4.98%	0.40%
Blackhawk Bancorp	N/A	N/A	N/A

Insider & Institutional Ownership

67.1% of Flushing Financial shares are held by institutional investors. 5.7% of Flushing Financial shares are held by insiders. Comparatively, 26.8% of Blackhawk Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Analyst Ratings

This is a summary of current recommendations and price targets for Flushing Financial and Blackhawk Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Flushing Financial	1	1	0	0	1.50
Blackhawk Bancorp	0	0	0	0	0.00

Summary

Flushing Financial beats Blackhawk Bancorp on 5 of the 8 factors compared between the two stocks.

About Flushing Financial

Flushing Financial Corporation operates as the bank holding company for Flushing Bank that provides banking products and services primarily to consumers, businesses, and governmental units. It offers various deposit products, including checking and savings accounts, money market accounts, non-interest bearing demand accounts, NOW accounts, and certificates of deposit. The company also provides mortgage loans secured by multi-family residential, commercial real estate, one-to-four family mixed-use property, one-to-four family residential property, and commercial business loans; construction loans; small business administration loans and other small business loans; mortgage loan surrogates, such as mortgage-backed securities; and consumer loans, including overdraft lines of credit, as well as the United States government securities, corporate fixed-income securities, and other marketable securities. It operates full-service banking offices in Queens, Nassau, Suffolk, Kings, and New York counties, New York; and an internet branch under the iGObanking and BankPurely brands. Flushing Financial Corporation was founded in 1929 and is based in Uniondale, New York.

About Blackhawk Bancorp

Blackhawk Bancorp, Inc., a financial holding company, provides various banking products and services in the United States. The company offers personal banking products and services, including checking, savings, health savings, and money market accounts, as well as certificates of deposit; personal, auto, student, and home improvement and equity loans; and lines of credit and credit cards. It also provides business banking products and services, such as business checking, business interest checking, business sweep, small business checking, business NOW, health savings, and money market accounts; commercial, development, term, equipment/fixed asset, and small business administration loans; lines and letters of credit; receivables financing; and corporate credit cards, as well as treasury management solutions. In addition, the company offers payments and transfer, mortgages lending, financial planning, wealth management, security brokerage, investment management, commercial banking, and online and mobile banking services, as well as installment loans. It serves individual, corporate, institutional, and governmental customers through its 11 full-services banking centers in northern Illinois and southern Wisconsin. The company was founded in 1881 and is headquartered in Beloit, Wisconsin.