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 398 industry peers in the Banks industry. Both the profitability and financial health of FLIC have multiple concerns. FLIC is valued correctly, 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

In the past year FLIC was profitable.

FLIC had a positive operating cash flow in the past year.

In the past 5 years FLIC has always been profitable.

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

1.2 Ratios

Looking at the Return On Assets, with a value of 0.47%, FLIC is doing worse than 74.87% of the companies in the same industry.

FLIC's Return On Equity of 5.12% is on the low side compared to the rest of the industry. FLIC is outperformed by 74.37% 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

Looking at the Profit Margin, with a value of 23.02%, FLIC is in line with its industry, outperforming 49.50% of the companies in the same industry.

In the last couple of years the Profit Margin of FLIC has declined.

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.

The number of shares outstanding for FLIC remains at a similar level compared to 1 year ago.

FLIC has less shares outstanding than it did 5 years ago.

FLIC has a worse debt/assets ratio than last year.

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.

The Debt to FCF ratio of FLIC (14.23) is worse than 78.39% 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.

FLIC has a worse Debt to Equity ratio (1.15) than 86.18% of its industry peers.

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

ROIC/WACCN/A

WACC11.98%

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.

The Revenue has decreased by -8.48% in the past year.

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 Y69.46%

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year14.97%

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

The Price/Earnings ratio is 15.05, which indicates a correct valuation of FLIC.

Based on the Price/Earnings ratio, FLIC is valued a bit more expensive than the industry average as 70.35% of the companies are valued more cheaply.

The average S&P500 Price/Earnings ratio is at 28.33. FLIC is valued slightly cheaper when compared to this.

A Price/Forward Earnings ratio of 8.88 indicates a reasonable valuation of FLIC.

Based on the Price/Forward Earnings ratio, FLIC is valued a bit cheaper than the industry average as 70.35% of the companies are valued more expensively.

When comparing the Price/Forward Earnings ratio of FLIC to the average of the S&P500 Index (21.37), we can say FLIC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	15.05
Fwd PE	8.88

4.2 Price Multiples

FLIC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FLIC is cheaper than 74.37% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	8.17
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)0.22

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

FLIC has a Yearly Dividend Yield of 7.67%, which is a nice return.

Compared to an average industry Dividend Yield of 3.66, FLIC pays a better dividend. On top of this FLIC pays more dividend than 97.24% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.51, FLIC pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	7.67%

5.2 History

On average, the dividend of FLIC grows each year by 6.21%, which is quite nice.

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

FLIC pays out 95.16% of its income as dividend. This is not a sustainable payout ratio.

FLIC's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP95.16%

EPS Next 2YN/A

EPS Next 3YN/A

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FIRST OF LONG ISLAND CORP

NASDAQ:FLIC (4/22/2025, 8:04:14 PM)

After market: 11.29 0 (0%)

11.29

+0.42 (+3.86%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)04-24 2025-04-24/amc

Inst Owners56.92%

Inst Owner Change-0.08%

Ins Owners5.85%

Ins Owner Change5.69%

Market Cap255.61M

Analysts80

Price Target15.59 (38.09%)

Short Float %0.45%

Short Ratio1.11

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.67%

Yearly Dividend0.84

Dividend Growth(5Y)6.21%

DP95.16%

Div Incr Years0

Div Non Decr Years0

Ex-Date03-24 2025-03-24 (0.21)

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)1.73%

PT rev (3m)1.73%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)6.68%

EPS NY rev (3m)3.7%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.12%

Revenue NY rev (1m)2.7%

Revenue NY rev (3m)0.09%

Valuation

		Industry Rank	Sector Rank
PE	15.05
Fwd PE	8.88
P/S	2.96
P/FCF	8.17
P/OCF	7.79
P/B	0.66
P/tB	0.66
EV/EBITDA	N/A

EPS(TTM)0.75

EY6.64%

EPS(NY)1.27

Fwd EY11.26%

FCF(TTM)1.38

FCFY12.24%

OCF(TTM)1.45

OCFY12.84%

SpS3.82

BVpS17.16

TBVpS17.16

PEG (NY)0.22

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

WACC11.98%

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 Y69.46%

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 Year14.97%

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