FIRST OF LONG ISLAND CORP (FLIC) Fundamental Analysis & Valuation

NASDAQ:FLIC • US3207341062

Current stock price

11.87 USD
+0.03 (+0.25%)
At close:
11.83 USD
-0.04 (-0.34%)
After Hours:

This FLIC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. FLIC Profitability Analysis

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.
FLIC Yearly Net Income VS EBIT VS OCF VS FCFFLIC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

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's Return On Equity of 4.28% is on the low side compared to the rest of the industry. FLIC is outperformed by 80.56% of its industry peers.
Industry RankSector 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
FLIC Yearly ROA, ROE, ROICFLIC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

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.
  • FLIC's Profit Margin has declined in the last couple of years.
  • FLIC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
FLIC Yearly Profit, Operating, Gross MarginsFLIC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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1

2. FLIC Health Analysis

2.1 Basic Checks

  • FLIC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, FLIC has about the same amount of shares outstanding.
  • 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.
FLIC Yearly Shares OutstandingFLIC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
FLIC Yearly Total Debt VS Total AssetsFLIC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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 worse Debt to FCF ratio (26.15) than 83.08% of its industry peers.
  • FLIC has a Debt/Equity ratio of 0.94. This is a neutral value indicating FLIC is somewhat dependend on debt financing.
  • FLIC's Debt to Equity ratio of 0.94 is on the low side compared to the rest of the industry. FLIC is outperformed by 84.85% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.94
Debt/FCF 26.15
Altman-Z N/A
ROIC/WACCN/A
WACC16.11%
FLIC Yearly LT Debt VS Equity VS FCFFLIC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FLIC Yearly Current Assets VS Current LiabilitesFLIC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

0

3. FLIC Growth Analysis

3.1 Past

  • The earnings per share for FLIC have decreased strongly by -33.33% 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.
  • Looking at the last year, FLIC shows a decrease in Revenue. The Revenue has decreased by -6.11% in the last year.
  • The Revenue has been decreasing by -5.10% on average over the past years.
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.
FLIC Yearly Revenue VS EstimatesFLIC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
FLIC Yearly EPS VS EstimatesFLIC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

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4

4. FLIC Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 16.49, FLIC is valued correctly.
  • 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.
  • When comparing the Price/Earnings ratio of FLIC to the average of the S&P500 Index (27.35), we can say FLIC is valued slightly cheaper.
  • 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.
  • The average S&P500 Price/Forward Earnings ratio is at 22.23. FLIC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 16.49
Fwd PE 9.54
FLIC Price Earnings VS Forward Price EarningsFLIC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, FLIC is valued a bit more expensive than the industry average as 74.24% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 19.56
EV/EBITDA N/A
FLIC Per share dataFLIC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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)0.25
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. FLIC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 7.08%, FLIC is a good candidate for dividend investing.
  • FLIC's Dividend Yield is rather good when compared to the industry average which is at 2.55. FLIC pays more dividend than 95.45% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, FLIC pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.08%

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.
  • FLIC has decreased its dividend recently.
Dividend Growth(5Y)3.66%
Div Incr Years0
Div Non Decr Years1
FLIC Yearly Dividends per shareFLIC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

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
FLIC Yearly Income VS Free CF VS DividendFLIC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
FLIC Dividend Payout.FLIC Dividend Payout, showing the Payout Ratio.FLIC Dividend Payout.PayoutRetained Earnings

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FLIC Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)07-23
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 RankSector 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 RankSector 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 Number0 (-100%)
Profitability
Industry RankSector 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 RankSector 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 Fundamental Analysis 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.


How profitable is FIRST OF LONG ISLAND CORP (FLIC) stock?

FIRST OF LONG ISLAND CORP (FLIC) has a profitability rating of 2 / 10.


How financially healthy is FIRST OF LONG ISLAND CORP?

The financial health rating of FIRST OF LONG ISLAND CORP (FLIC) is 1 / 10.


What is the expected EPS growth for FIRST OF LONG ISLAND CORP (FLIC) stock?

The Earnings per Share (EPS) of FIRST OF LONG ISLAND CORP (FLIC) is expected to grow by 65.92% in the next year.