FLIC Fundamental Analysis - FIRST OF LONG ISLAND CORP

Fundamental Rating

Overall FLIC gets a fundamental rating of 2 out of 10. We evaluated FLIC against 395 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 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.

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

In the past 5 years FLIC always reported a positive cash flow from operatings.

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.

The Return On Equity of FLIC (4.28%) is worse 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

Looking at the Profit Margin, with a value of 19.09%, FLIC is doing worse than 66.16% 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)	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

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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.

Compared to 5 years ago, FLIC has less shares outstanding

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's Debt to FCF ratio of 26.15 is on the low side compared to the rest of the industry. FLIC is outperformed by 83.08% of its industry peers.

A Debt/Equity ratio of 0.94 indicates that FLIC is somewhat dependend on debt financing.

FLIC has a Debt to Equity ratio of 0.94. This is amonst the worse of the industry: FLIC underperforms 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

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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 -33.33%.

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

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.

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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.

74.24% of the companies in the same industry are cheaper than FLIC, based on the Price/Earnings ratio.

Compared to an average S&P500 Price/Earnings ratio of 26.65, FLIC is valued a bit cheaper.

The Price/Forward Earnings ratio is 9.54, which indicates a very decent valuation of FLIC.

FLIC's Price/Forward Earnings ratio is in line with the industry average.

FLIC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.27.

		Industry Rank	Sector Rank
PE	16.49
Fwd PE	9.54

4.2 Price Multiples

74.24% of the companies in the same industry are cheaper than FLIC, based on the Price/Free Cash Flow ratio.

		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

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5. Dividend

5.1 Amount

FLIC has a Yearly Dividend Yield of 7.08%, which is a nice return.

FLIC's Dividend Yield is rather good when compared to the industry average which is at 3.61. FLIC pays more dividend than 95.45% of the companies in the same industry.

FLIC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.

		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

86.64% 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.

DP86.64%

EPS Next 2YN/A

EPS Next 3YN/A

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FIRST OF LONG ISLAND CORP

NASDAQ:FLIC (5/30/2025, 8:00:00 PM)

After market: 11.83 -0.04 (-0.34%)

11.87

+0.03 (+0.25%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-30 2025-04-30/amc

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

Inst Owners59.2%

Inst Owner Change2.1%

Ins Owners1.22%

Ins Owner Change-126.47%

Market Cap269.21M

Analysts82.86

Price Target15.32 (29.06%)

Short Float %0.74%

Short Ratio2.11

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

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

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

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	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) 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

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