FIRST OF LONG ISLAND CORP (FLIC) Stock Fundamental Analysis
USA - NASDAQ:FLIC - US3207341062 - Common Stock
11.87 USD
+0.03 (+0.25%)
11.83 USD
-0.04 (-0.34%)
FLIC gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. FLIC may be in some trouble as it scores bad on both profitability and health. FLIC has a valuation in line with the averages, but on the other hand it scores bad on growth.
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
FLIC has a Return On Assets of 0.40%. This is amonst the worse of the industry: FLIC underperforms 80.56% of its industry peers.
FLIC has a worse Return On Equity (4.28%) than 80.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.4% | ||
| ROE | 4.28% | ||
| 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 of 19.09%. This is in the lower half of the industry: FLIC underperforms 66.16% of its industry peers.
In the last couple of years the Profit Margin of FLIC has declined.
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) | 19.09% | ||
| 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
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.
FLIC has less shares outstanding than it did 5 years ago.
There is no outstanding debt for FLIC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
FLIC has a debt to FCF ratio of 26.15. This is a negative value and a sign of low solvency as FLIC would need 26.15 years to pay back of all of its debts.
FLIC has a Debt to FCF ratio of 26.15. This is amonst the worse of the industry: FLIC underperforms 83.08% of its industry peers.
A Debt/Equity ratio of 0.94 indicates that FLIC is somewhat dependend on debt financing.
The Debt to Equity ratio of FLIC (0.94) is worse than 84.85% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.94 | ||
| Debt/FCF | 26.15 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.11%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FLIC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -33.33%.
FLIC shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -14.90% yearly.
The Revenue has decreased by -6.11% in the past year.
Measured over the past years, FLIC shows a decrease in Revenue. The Revenue has been decreasing by -5.10% on average per year.
EPS 1Y (TTM)-33.33%
EPS 3Y-26.12%
EPS 5Y-14.9%
EPS Q2Q%-15%
Revenue 1Y (TTM)-6.11%
Revenue growth 3Y-10.61%
Revenue growth 5Y-5.1%
Sales Q2Q%2.89%
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 Y65.92%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.23%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 16.49, the valuation of FLIC can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of FLIC indicates a slightly more expensive valuation: FLIC is more expensive than 74.24% of the companies listed in the same industry.
FLIC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.07.
Based on the Price/Forward Earnings ratio of 9.54, the valuation of FLIC can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as FLIC.
When comparing the Price/Forward Earnings ratio of FLIC to the average of the S&P500 Index (34.08), we can say FLIC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.49 | ||
| Fwd PE | 9.54 |
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 74.24% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.56 | ||
| 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)0.25
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
FLIC has a Yearly Dividend Yield of 7.08%, which is a nice return.
Compared to an average industry Dividend Yield of 3.39, FLIC pays a better dividend. On top of this FLIC pays more dividend than 95.45% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, FLIC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.08% |
5.2 History
The dividend of FLIC has a limited annual growth rate of 3.66%.
FLIC has been paying a dividend for at least 10 years, so it has a reliable track record.
The dividend of FLIC decreased recently.
Dividend Growth(5Y)3.66%
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
FLIC pays out 86.64% 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.
DP86.64%
EPS Next 2YN/A
EPS Next 3YN/A
11.87
+0.03 (+0.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners59.2%
Inst Owner Change-23.22%
Ins Owners1.22%
Ins Owner Change-959.28%
Market Cap269.21M
Revenue(TTM)85.89M
Net Income(TTM)16.40M
Analysts82.86
Price Target15.32 (29.06%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.08% |
Yearly Dividend0.84
Dividend Growth(5Y)3.66%
DP86.64%
Div Incr Years0
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-30.71%
Min EPS beat(2)-42.33%
Max EPS beat(2)-19.09%
EPS beat(4)1
Avg EPS beat(4)-9.63%
Min EPS beat(4)-42.33%
Max EPS beat(4)26.31%
EPS beat(8)3
Avg EPS beat(8)-3.2%
EPS beat(12)5
Avg EPS beat(12)-4.4%
EPS beat(16)9
Avg EPS beat(16)-1.06%
Revenue beat(2)0
Avg Revenue beat(2)-4.6%
Min Revenue beat(2)-5.68%
Max Revenue beat(2)-3.51%
Revenue beat(4)1
Avg Revenue beat(4)-2.12%
Min Revenue beat(4)-5.68%
Max Revenue beat(4)0.81%
Revenue beat(8)1
Avg Revenue beat(8)-3.19%
Revenue beat(12)2
Avg Revenue beat(12)-4.65%
Revenue beat(16)4
Avg Revenue beat(16)-3.35%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.01%
EPS NY rev (1m)0%
EPS NY rev (3m)4.45%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.84%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.49 | ||
| Fwd PE | 9.54 | ||
| P/S | 3.13 | ||
| P/FCF | 19.56 | ||
| P/OCF | 18 | ||
| P/B | 0.7 | ||
| P/tB | 0.7 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.72
EY6.07%
EPS(NY)1.24
Fwd EY10.48%
FCF(TTM)0.61
FCFY5.11%
OCF(TTM)0.66
OCFY5.56%
SpS3.79
BVpS16.88
TBVpS16.88
PEG (NY)0.25
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.4% | ||
| ROE | 4.28% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 19.09% | ||
| GM | N/A | ||
| FCFM | 16.03% |
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
ROICexgc growth 3YN/A
ROICexgc 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 | 0.94 | ||
| Debt/FCF | 26.15 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 17.87% | ||
| Cap/Sales | 1.39% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 83.95% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC16.11%
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)-33.33%
EPS 3Y-26.12%
EPS 5Y-14.9%
EPS Q2Q%-15%
EPS Next Y65.92%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-6.11%
Revenue growth 3Y-10.61%
Revenue growth 5Y-5.1%
Sales Q2Q%2.89%
Revenue Next Year14.23%
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-69.84%
FCF growth 3Y-32.11%
FCF growth 5Y-22.14%
OCF growth 1Y-69.42%
OCF growth 3Y-33.48%
OCF growth 5Y-21.45%
FIRST OF LONG ISLAND CORP / FLIC FAQ
What is the ChartMill fundamental rating of FIRST OF LONG ISLAND CORP (FLIC) stock?
ChartMill assigns a fundamental rating of 2 / 10 to FLIC.
Can you provide the valuation status for FIRST OF LONG ISLAND CORP?
ChartMill assigns a valuation rating of 4 / 10 to FIRST OF LONG ISLAND CORP (FLIC). This can be considered as Fairly Valued.
What is the profitability of FLIC stock?
FIRST OF LONG ISLAND CORP (FLIC) has a profitability rating of 2 / 10.
What is the earnings growth outlook for FIRST OF LONG ISLAND CORP?
The Earnings per Share (EPS) of FIRST OF LONG ISLAND CORP (FLIC) is expected to grow by 65.92% in the next year.
Is the dividend of FIRST OF LONG ISLAND CORP sustainable?
The dividend rating of FIRST OF LONG ISLAND CORP (FLIC) is 6 / 10 and the dividend payout ratio is 86.64%.