11.87 USD
+0.03 (+0.25%)
At close: May 30, 2025
11.83 USD
-0.04 (-0.34%)
After Hours: 5/30/2025, 8:00:00 PM
Overall FLIC gets a fundamental rating of 2 out of 10. We evaluated FLIC against 383 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.
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
- Looking at the Return On Assets, with a value of 0.40%, FLIC is doing worse than 80.56% of the companies in the same industry.
- FLIC has a Return On Equity of 4.28%. This is amonst the worse of the industry: FLIC underperforms 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.
- 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) | 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.
- The number of shares outstanding for FLIC remains at a similar level compared to 1 year ago.
- Compared to 5 years ago, FLIC has less shares outstanding
- 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
- The Debt to FCF ratio of FLIC is 26.15, which is on the high side as it means it would take FLIC, 26.15 years of fcf income to pay off all of its debts.
- With a Debt to FCF ratio value of 26.15, FLIC is not doing good in the industry: 83.08% of the companies in the same industry are doing better.
- A Debt/Equity ratio of 0.94 indicates that FLIC is somewhat dependend on debt financing.
- FLIC has a worse Debt to Equity ratio (0.94) 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.
- Looking at the last year, FLIC shows a decrease in Revenue. The Revenue has decreased by -6.11% in the last year.
- FLIC shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -5.10% yearly.
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
- A Price/Earnings ratio of 16.49 indicates a correct valuation of FLIC.
- Based on the Price/Earnings ratio, FLIC is valued a bit more expensive than the industry average as 74.24% of the companies are valued more cheaply.
- FLIC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.18.
- The Price/Forward Earnings ratio is 9.54, which indicates a very decent valuation of FLIC.
- FLIC's Price/Forward Earnings is on the same level as the industry average.
- FLIC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.51.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.49 | ||
| Fwd PE | 9.54 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, FLIC is valued a bit more expensive than 74.24% of the companies 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
- With a Yearly Dividend Yield of 7.08%, FLIC is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.64, FLIC pays a better dividend. On top of this FLIC pays more dividend than 95.45% of the companies listed in the same industry.
- FLIC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| 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)04-30 2025-04-30/amc
Earnings (Next)07-23 2025-07-23/amc
Inst Owners59.2%
Inst Owner Change0%
Ins Owners1.22%
Ins Owner Change0%
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-DateN/A
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.
What is the valuation status of FIRST OF LONG ISLAND CORP (FLIC) stock?
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.
Can you provide the financial health for FLIC stock?
The financial health rating of FIRST OF LONG ISLAND CORP (FLIC) is 1 / 10.
Can you provide the dividend sustainability for FLIC stock?
The dividend rating of FIRST OF LONG ISLAND CORP (FLIC) is 6 / 10 and the dividend payout ratio is 86.64%.