FIRST OF LONG ISLAND CORP(NASDAQ:FLIC) stock Fundamental Analysis

Fundamental Rating

FLIC gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. FLIC has a bad profitability rating. Also its financial health evaluation is rather negative. FLIC has a valuation in line with the averages, but it does not seem to be growing. FLIC also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

FLIC had positive earnings in the past year.

In the past year FLIC had a positive cash flow from operations.

Each year in the past 5 years FLIC has been profitable.

FLIC had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

FLIC's Return On Assets of 0.47% is on the low side compared to the rest of the industry. FLIC is outperformed by 74.94% of its industry peers.

FLIC has a Return On Equity of 5.12%. This is in the lower half of the industry: FLIC underperforms 74.19% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.47%
ROE	5.12%
ROIC	N/A

ROA(3y)0.71%

ROA(5y)0.84%

ROE(3y)8.09%

ROE(5y)8.96%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

FLIC has a Profit Margin (23.02%) which is in line with its industry peers.

FLIC's Profit Margin has declined in the last couple of years.

FLIC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	23.02%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-17.84%

PM growth 5Y-11.82%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

FLIC does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, FLIC has about the same amount of shares outstanding.

The number of shares outstanding for FLIC has been reduced compared to 5 years ago.

The debt/assets ratio for FLIC is higher compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of FLIC is 14.23, which is on the high side as it means it would take FLIC, 14.23 years of fcf income to pay off all of its debts.

FLIC's Debt to FCF ratio of 14.23 is on the low side compared to the rest of the industry. FLIC is outperformed by 75.19% of its industry peers.

A Debt/Equity ratio of 1.15 is on the high side and indicates that FLIC has dependencies on debt financing.

With a Debt to Equity ratio value of 1.15, FLIC is not doing good in the industry: 87.72% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	1.15
Debt/FCF	14.23
Altman-Z	N/A

ROIC/WACCN/A

WACC11.58%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for FLIC have decreased strongly by -35.90% in the last year.

Measured over the past years, FLIC shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -14.90% on average per year.

FLIC shows a decrease in Revenue. In the last year, the revenue decreased by -8.48%.

FLIC shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -5.10% yearly.

EPS 1Y (TTM)-35.9%

EPS 3Y-26.12%

EPS 5Y-14.9%

EPS Q2Q%-48.15%

Revenue 1Y (TTM)-8.48%

Revenue growth 3Y-10.61%

Revenue growth 5Y-5.1%

Sales Q2Q%-4.96%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next Y58.85%

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year11.95%

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 17.28, the valuation of FLIC can be described as rather expensive.

Based on the Price/Earnings ratio, FLIC is valued a bit more expensive than 73.68% of the companies in the same industry.

When comparing the Price/Earnings ratio of FLIC to the average of the S&P500 Index (29.63), we can say FLIC is valued slightly cheaper.

The Price/Forward Earnings ratio is 10.88, which indicates a very decent valuation of FLIC.

Compared to the rest of the industry, the Price/Forward Earnings ratio of FLIC is on the same level as its industry peers.

The average S&P500 Price/Forward Earnings ratio is at 22.68. FLIC is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	17.28
Fwd PE	10.88

4.2 Price Multiples

74.69% of the companies in the same industry are more expensive than FLIC, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	9.36
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.29

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.32%, FLIC is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.18, FLIC pays a better dividend. On top of this FLIC pays more dividend than 96.24% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.27, FLIC pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.32%

5.2 History

The dividend of FLIC is nicely growing with an annual growth rate of 6.21%!

FLIC has been paying a dividend for at least 10 years, so it has a reliable track record.

Dividend Growth(5Y)6.21%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

95.16% of the earnings are spent on dividend by FLIC. This is not a sustainable payout ratio.

The dividend of FLIC is growing, but earnings are growing more, so the dividend growth is sustainable.

DP95.16%

EPS Next 2YN/A

EPS Next 3YN/A

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FIRST OF LONG ISLAND CORP

NASDAQ:FLIC (2/21/2025, 8:18:36 PM)

After market: 12.96 0 (0%)

12.96

-0.34 (-2.56%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-30 2025-01-30/amc

Earnings (Next)04-23 2025-04-23/amc

Inst Owners56.92%

Inst Owner Change4.77%

Ins Owners5.85%

Ins Owner Change3.57%

Market Cap292.90M

Analysts45.71

Price Target15.32 (18.21%)

Short Float %0.44%

Short Ratio0.98

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.32%

Yearly Dividend0.84

Dividend Growth(5Y)6.21%

DP95.16%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)11.45%

Min EPS beat(2)-3.41%

Max EPS beat(2)26.31%

EPS beat(4)2

Avg EPS beat(4)4.18%

Min EPS beat(4)-13.5%

Max EPS beat(4)26.31%

EPS beat(8)3

Avg EPS beat(8)-0.53%

EPS beat(12)7

Avg EPS beat(12)2.8%

EPS beat(16)10

Avg EPS beat(16)2.89%

Revenue beat(2)1

Avg Revenue beat(2)0.35%

Min Revenue beat(2)-0.12%

Max Revenue beat(2)0.81%

Revenue beat(4)1

Avg Revenue beat(4)-2.98%

Min Revenue beat(4)-7.06%

Max Revenue beat(4)0.81%

Revenue beat(8)1

Avg Revenue beat(8)-6.11%

Revenue beat(12)4

Avg Revenue beat(12)-3.46%

Revenue beat(16)4

Avg Revenue beat(16)-3.02%

PT rev (1m)0%

PT rev (3m)5.44%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)-2.79%

EPS NY rev (3m)-2.79%

Revenue NQ rev (1m)-0.12%

Revenue NQ rev (3m)-0.12%

Revenue NY rev (1m)-2.48%

Revenue NY rev (3m)-2.54%

Valuation

		Industry Rank	Sector Rank
PE	17.28
Fwd PE	10.88
P/S	3.39
P/FCF	9.36
P/OCF	8.93
P/B	0.75
P/tB	0.75
EV/EBITDA	N/A

EPS(TTM)0.75

EY5.79%

EPS(NY)1.19

Fwd EY9.19%

FCF(TTM)1.38

FCFY10.68%

OCF(TTM)1.45

OCFY11.2%

SpS3.82

BVpS17.19

TBVpS17.19

PEG (NY)0.29

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.47%
ROE	5.12%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	23.02%
GM	N/A
FCFM	36.2%

ROA(3y)0.71%

ROA(5y)0.84%

ROE(3y)8.09%

ROE(5y)8.96%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-17.84%

PM growth 5Y-11.82%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	1.15
Debt/FCF	14.23
Debt/EBITDA	N/A
Cap/Depr	28.57%
Cap/Sales	1.78%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	157.24%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC11.58%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-35.9%

EPS 3Y-26.12%

EPS 5Y-14.9%

EPS Q2Q%-48.15%

EPS Next Y58.85%

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-8.48%

Revenue growth 3Y-10.61%

Revenue growth 5Y-5.1%

Sales Q2Q%-4.96%

Revenue Next Year11.95%

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y41.78%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y29.19%

OCF growth 3YN/A

OCF growth 5YN/A

FIRST OF LONG ISLAND CORP (FLIC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens