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. FLIC may be in some trouble as it scores bad on both profitability and health. FLIC is valued correctly, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

FLIC had positive earnings in the past year.

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

In the past 5 years FLIC has always been profitable.

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

1.2 Ratios

The Return On Assets of FLIC (0.41%) is worse than 79.90% of its industry peers.

FLIC's Return On Equity of 4.51% is on the low side compared to the rest of the industry. FLIC is outperformed by 80.15% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.41%
ROE	4.51%
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 20.02%, FLIC is doing worse than 61.81% of the companies in the same industry.

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

The Operating Margin and Gross Margin are not available for FLIC so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	20.02%
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.

FLIC has about the same amout of shares outstanding than it did 1 year ago.

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

FLIC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

FLIC has a debt to FCF ratio of 32.27. This is a negative value and a sign of low solvency as FLIC would need 32.27 years to pay back of all of its debts.

The Debt to FCF ratio of FLIC (32.27) is worse than 84.92% of its industry peers.

FLIC has a Debt/Equity ratio of 1.15. This is a high value indicating a heavy dependency on external financing.

FLIC has a worse Debt to Equity ratio (1.15) than 86.43% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.15
Debt/FCF	32.27
Altman-Z	N/A

ROIC/WACCN/A

WACC15.59%

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

FLIC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -35.90%.

The earnings per share for FLIC have been decreasing by -14.90% on average. This is quite bad

Looking at the last year, FLIC shows a decrease in Revenue. The Revenue has decreased by -8.48% in the last year.

The Revenue has been decreasing by -5.10% on average over the past years.

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 15.56, which indicates a correct valuation of FLIC.

71.61% of the companies in the same industry are cheaper than FLIC, based on the Price/Earnings ratio.

FLIC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.88.

FLIC is valuated reasonably with a Price/Forward Earnings ratio of 9.18.

Compared to the rest of the industry, the Price/Forward Earnings ratio of FLIC indicates a somewhat cheap valuation: FLIC is cheaper than 61.56% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of FLIC to the average of the S&P500 Index (21.20), we can say FLIC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	15.56
Fwd PE	9.18

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FLIC indicates a slightly more expensive valuation: FLIC is more expensive than 72.86% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	19.6
EV/EBITDA	N/A

4.3 Compensation for Growth

FLIC's 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 7.22%, which is a nice return.

FLIC's Dividend Yield is rather good when compared to the industry average which is at 3.52. FLIC pays more dividend than 96.48% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.45, FLIC pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	7.22%

5.2 History

The dividend of FLIC has a limited annual growth rate of 3.66%.

FLIC has paid a dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)3.66%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

110.81% of the earnings are spent on dividend by FLIC. This is not a sustainable payout ratio.

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

DP110.81%

EPS Next 2YN/A

EPS Next 3YN/A

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FIRST OF LONG ISLAND CORP

NASDAQ:FLIC (5/1/2025, 1:00:48 PM)

11.67

+0.15 (+1.3%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)07-23 2025-07-23/amc

Inst Owners56.92%

Inst Owner Change-0.09%

Ins Owners5.85%

Ins Owner Change5.69%

Market Cap264.21M

Analysts80

Price Target15.59 (33.59%)

Short Float %0.78%

Short Ratio2.17

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.22%

Yearly Dividend0.84

Dividend Growth(5Y)3.66%

DP110.81%

Div Incr Years0

Div Non Decr Years0

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

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-22.87%

Min EPS beat(2)-42.33%

Max EPS beat(2)-3.41%

EPS beat(4)1

Avg EPS beat(4)-8.23%

Min EPS beat(4)-42.33%

Max EPS beat(4)26.31%

EPS beat(8)3

Avg EPS beat(8)-4.74%

EPS beat(12)6

Avg EPS beat(12)-1.9%

EPS beat(16)9

Avg EPS beat(16)0.01%

Revenue beat(2)0

Avg Revenue beat(2)-2.9%

Min Revenue beat(2)-5.68%

Max Revenue beat(2)-0.12%

Revenue beat(4)1

Avg Revenue beat(4)-3.01%

Min Revenue beat(4)-7.06%

Max Revenue beat(4)0.81%

Revenue beat(8)1

Avg Revenue beat(8)-6.02%

Revenue beat(12)3

Avg Revenue beat(12)-4.3%

Revenue beat(16)4

Avg Revenue beat(16)-3.18%

PT rev (1m)1.73%

PT rev (3m)1.73%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-8.24%

EPS NY rev (1m)0%

EPS NY rev (3m)3.7%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-3.6%

Revenue NY rev (1m)2.7%

Revenue NY rev (3m)0.15%

Valuation

		Industry Rank	Sector Rank
PE	15.56
Fwd PE	9.18
P/S	3.1
P/FCF	19.6
P/OCF	17.67
P/B	0.7
P/tB	0.7
EV/EBITDA	N/A

EPS(TTM)0.75

EY6.43%

EPS(NY)1.27

Fwd EY10.89%

FCF(TTM)0.6

FCFY5.1%

OCF(TTM)0.66

OCFY5.66%

SpS3.77

BVpS16.73

TBVpS16.73

PEG (NY)0.22

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.41%
ROE	4.51%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	20.02%
GM	N/A
FCFM	15.81%

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-Score4

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	1.15
Debt/FCF	32.27
Debt/EBITDA	N/A
Cap/Depr	21.8%
Cap/Sales	1.72%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	78.95%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC15.59%

ROIC/WACCN/A

Cap/Depr(3y)57.09%

Cap/Depr(5y)79.95%

Cap/Sales(3y)2.53%

Cap/Sales(5y)3.33%

Profit Quality(3y)97.53%

Profit Quality(5y)99.4%

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 1Y-53.99%

FCF growth 3Y-32.11%

FCF growth 5Y-22.14%

OCF growth 1Y-53.52%

OCF growth 3Y-33.48%

OCF growth 5Y-21.45%

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