分组1 - Flushing Financial reported quarterly earnings of $0.32 per share, missing the Zacks Consensus Estimate of $0.35 per share, but showing an increase from $0.14 per share a year ago, resulting in an earnings surprise of -8.57% [1] - The company posted revenues of $58.81 million for the quarter ended December 2025, which was 4.87% below the Zacks Consensus Estimate and an increase from $57.22 million year-over-year [2] - Over the last four quarters, Flushing Financial has surpassed consensus EPS estimates three times and topped revenue estimates two times [2] 分组2 - The stock has gained approximately 2.2% since the beginning of the year, outperforming the S&P 500's gain of 1.5% [3] - The current consensus EPS estimate for the upcoming quarter is $0.36 on revenues of $62.24 million, and for the current fiscal year, it is $1.58 on revenues of $256.84 million [7] - The Zacks Industry Rank for Financial - Savings and Loan is in the top 23% of over 250 Zacks industries, indicating a favorable outlook for the sector [8]

John R. Buran, President and CEO Commentary Exhibit 99.1 Flushing Financial Corporation Reports 4Q25 and Full Year 2025 Results; Continued Net Interest Margin Expansion and Noninterest Deposit Growth; 4Q25 GAAP and Core EPS of $0.12 and $0.32, Respectively "Flushing Financial's fourth quarter and full-year 2025 results underscore the strength and resilience of our franchise. Net interest margin expanded 4 basis points to 2.68%, with Core NIM reaching 2.66%, driven by favorable deposit mix and declining fund ...

Group 1 - The article does not provide any relevant content regarding the company or industry [1]

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Core Viewpoint - The proposed sale of Flushing Financial Corp. to OceanFirst Financial Corp. is under investigation to assess whether the transaction adequately values Flushing Financial [1] Group 1: Transaction Details - Shareholders of Flushing Financial will receive 0.85 shares of OceanFirst common stock for each share of Flushing Financial they own [1] Group 2: Legal Investigation - Kahn Swick & Foti, LLC is investigating the adequacy of the proposed transaction and the process leading to it [1] - The firm is seeking to determine if the consideration undervalues Flushing Financial [1]

Group 1 - The core issue involves an investigation into Flushing (NASDAQ: FFIC) for potential breaches of fiduciary duty related to its transaction with OceanFirst [1] - Flushing stockholders will receive 0.85 shares of OceanFirst common stock for each share of Flushing, valuing the transaction at $579 million based on OceanFirst's closing stock price of $19.76 on December 26, 2025 [2] - The transaction agreement restricts competing offers for Flushing by imposing a significant penalty for accepting a competing bid, raising concerns about the Flushing board's fulfillment of fiduciary duties to shareholders [3]

Company Overview - OceanFirst Financial Corp. announced plans to acquire Flushing Financial Corporation in an all-stock deal valued at $579 million [1] - Following the announcement, OceanFirst Financial shares fell 7.4% to $18.15 [1] - Flushing Financial Corporation's shares also declined by 9.5% to $15.28 after the merger agreement was revealed [5] Market Movements - Profusa, Inc. shares surged 112% to $0.1445 after restructuring its senior secured convertible note [4] - Antelope Enterprise Holdings Limited rose 99% to $2.25, while Oriental Culture Holding LTD gained 68% to $0.1395 [4] - Ekso Bionics Holdings, Inc. saw a 54.3% increase to $8.43, attributed to positive investor sentiment [4] - Cemtrex, Inc. climbed 52% to $3.2118 as it returned to profitability despite a going-concern warning [4] Strategic Investments - OceanFirst Financial Corp. and Flushing Financial Corporation announced a $225 million strategic investment from Warburg Pincus as part of their merger agreement [5]

Market Overview - U.S. stocks experienced a decline, with the Dow Jones index falling over 100 points, down 0.22% to 48,353.51, NASDAQ slipping 0.16% to 23,436.70, and S&P 500 dropping 0.13% to 6,896.56 [1] - Energy shares rose by 0.6%, while consumer discretionary stocks fell by 0.3% [1] Commodity Prices - Oil prices increased by 0.5% to $58.34, gold rose by 0.9% to $4,383.10, silver surged 7.2% to $75.515, and copper climbed 2.6% to $5.7105 [5] European Market Performance - European shares showed positive movement, with the eurozone's STOXX 600 gaining 0.53%, Spain's IBEX 35 Index rising 0.85%, London's FTSE 100 up 0.70%, Germany's DAX 40 increasing by 0.57%, and France's CAC 40 rising 0.63% [6] Asian Market Performance - Asian markets closed mostly lower, with Japan's Nikkei 225 down 0.37%, Hong Kong's Hang Seng Index up 0.86%, China's Shanghai Composite slightly down by 0.004%, and India's BSE Sensex falling 0.02% [7] Company-Specific Movements - FONAR Corporation shares surged 28% to $18.82 following confirmation of a take-private deal [8] - Autonomix Medical, Inc. shares increased by 30% to $0.6943 after receiving a patent grant [8] - Cemtrex, Inc. shares rose 40% to $2.9500 as the company returned to profitability [8] - Flushing Financial Corporation shares dropped 8% to $15.46 amid a merger announcement and strategic investment [8] - New Era Energy & Digital, Inc. shares fell 23% to $2.07 following a lawsuit response [8] - OceanFirst Financial Corp. shares decreased by 6% to $18.42 after announcing an acquisition plan for Flushing [8] Economic Indicators - The Case-Shiller Home Price Index increased by 1.3% year-over-year in October, slightly down from a 1.4% increase in the previous month and above market estimates of 1.1% [10] - The FHFA house price index rose 0.4% in October, following a 0.1% decline in September, and compared to market estimates of a 0.1% increase [10] - The Chicago Business Barometer surged to 43.5 in December from 36.3 in the previous month, exceeding market expectations of 39.5 [10]

Core Viewpoint - OceanFirst Financial Corp. has announced a merger with Flushing Financial Corp., indicating a strategic move to enhance its market position and operational capabilities [1]. Group 1: Merger Announcement - The merger between Flushing Financial Corp. and OceanFirst Financial Corp. was officially announced, highlighting a significant development in the financial services sector [1]. - The investor call is being led by OceanFirst's Chairman and CEO, Chris Maher, along with other key executives, indicating a high level of engagement from the company's leadership [2]. Group 2: Call Logistics - The investor call will reference a slide presentation available on the Investor Relations pages of both companies, ensuring that stakeholders have access to relevant visual data [3]. - The remarks during the call may include forward-looking statements and non-GAAP financial measures, emphasizing the importance of reviewing SEC filings for comprehensive information [3].

Transaction Overview - OceanFirst Financial Corp 将以全股票方式收购 Flushing Financial Corporation，每股 Flushing 股票兑换 0.8500 股 OceanFirst 股票[42] - Warburg Pincus 将投资 2.25 亿美元用于 OceanFirst 的股权融资，购买价格为每股 19.76 美元[14, 42] - 交易完成后，OceanFirst 股东预计将持有合并后公司约 58% 的股份，Flushing 股东持有约 30%，Warburg Pincus 持有约 12%[42] Financial Impact - 预计 2027 年每股收益 (EPS) 将增加 16%[17, 34] - 有形账面价值 (TBV) 稀释为 (6%)，预计 3.1 年内收回[17, 34] - 预计 2027 年有形普通股报酬率 (ROATCE) 为 12.6%，普通资产报酬率 (ROAA) 为 1.00%[17, 34] Strategic Rationale - 通过 Flushing 在长岛和纽约市的渠道，OceanFirst 能够扩展其产品和服务[14] - 合并后的银行预计总资产将达到 230 亿美元[17, 34] - 合并有助于贷款组合多元化，并降低商业房地产 (CRE) 集中度[14] Risk and Cautionary Notes - 该报告包含前瞻性陈述，涉及风险和不确定性，实际结果可能与预测存在重大差异[4, 5] - 风险包括交易完成的延迟或失败，监管批准的条件，以及整合两家公司业务的潜在困难[5]