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%)
Overall FLIC gets a fundamental rating of 2 out of 10. We evaluated FLIC against 388 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.
1. Profitability
1.1 Basic Checks
In the past year FLIC was profitable.
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
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.
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
With a Profit Margin value of 19.09%, FLIC is not doing good in the industry: 66.16% of the companies in the same industry are doing better.
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
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
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
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.
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 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
The earnings per share for FLIC have decreased strongly by -33.33% in the last year.
FLIC shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -14.90% yearly.
FLIC shows a decrease in Revenue. In the last year, the revenue decreased by -6.11%.
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
FLIC is valuated correctly with a Price/Earnings ratio of 16.49.
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.
Compared to an average S&P500 Price/Earnings ratio of 26.35, FLIC is valued a bit cheaper.
FLIC is valuated reasonably with a Price/Forward Earnings ratio of 9.54.
FLIC's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of FLIC to the average of the S&P500 Index (33.72), we can say FLIC is valued rather cheaply.
| 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 3.38, 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 2.36.
| 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 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
5.3 Sustainability
86.64% 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.
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-16.81%
Ins Owners1.22%
Ins Owner Change-133.85%
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%.