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Upturn AI SWOT - About
First of Long Island Corp (FLIC)
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Upturn Advisory Summary
05/30/2025: FLIC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
0 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
Analysis of Past Performance
Type Stock | Historic Profit 19.07% | Avg. Invested days 48 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 05/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 269.21M USD | Price to earnings Ratio 16.49 | 1Y Target Price 16.04 |
Price to earnings Ratio 16.49 | 1Y Target Price 16.04 | ||
Volume (30-day avg) - | Beta 0.86 | 52 Weeks Range 9.21 - 14.51 | Updated Date 06/29/2025 |
52 Weeks Range 9.21 - 14.51 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 7.08% | Basic EPS (TTM) 0.72 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 19.21% | Operating Margin (TTM) 20.93% |
Management Effectiveness
Return on Assets (TTM) 0.39% | Return on Equity (TTM) 4.32% |
Valuation
Trailing PE 16.49 | Forward PE 12.72 | Enterprise Value 581998848 | Price to Sales(TTM) 3.15 |
Enterprise Value 581998848 | Price to Sales(TTM) 3.15 | ||
Enterprise Value to Revenue 7.56 | Enterprise Value to EBITDA - | Shares Outstanding 22679500 | Shares Floating 21416041 |
Shares Outstanding 22679500 | Shares Floating 21416041 | ||
Percent Insiders 5.88 | Percent Institutions 59.11 |
Upturn AI SWOT
First of Long Island Corp
Company Overview
History and Background
First of Long Island Corporation was founded in 1927 and is headquartered in Glen Head, New York. It operates as the holding company for First National Bank of Long Island, providing community banking services.
Core Business Areas
- Commercial Banking: Offers a range of commercial loans, lines of credit, and deposit services to businesses.
- Retail Banking: Provides checking and savings accounts, mortgages, personal loans, and other services to individual customers.
- Wealth Management: Offers wealth management and trust services to individuals and families.
Leadership and Structure
Michael N. Vittorio serves as the Chairman, President, and CEO. The company has a board of directors and a management team overseeing various business units.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, expansion, and equipment financing. Market share data specific to First of Long Island is difficult to obtain, but competitors include larger national and regional banks like JPMorgan Chase (JPM) and Bank of America (BAC), as well as other regional banks like New York Community Bancorp (NYCB).
- Residential Mortgages: Offers mortgage loans to individuals for home purchases and refinancing. Competitors include national mortgage lenders like Rocket Mortgage and local community banks.
- Deposit Accounts: Offers checking, savings, and money market accounts for individuals and businesses.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, increased competition from fintech companies, and evolving regulatory requirements.
Positioning
First of Long Island Corp positions itself as a community-focused bank offering personalized service and local expertise. Its competitive advantage lies in its strong relationships with customers and its understanding of the Long Island market.
Total Addressable Market (TAM)
The total addressable market for banking services in the Long Island region is estimated to be in the billions of dollars. First of Long Island Corp is positioned to capture a portion of this market through its community-focused approach and established presence.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Solid financial performance
- Strong customer relationships
Weaknesses
- Limited geographic diversification
- Smaller size compared to national competitors
- Reliance on traditional banking services
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Strategic acquisitions
Threats
- Increased competition from fintech companies
- Economic downturn
- Changes in regulatory requirements
- Interest rate risk
Competitors and Market Share
Key Competitors
- JPM
- BAC
- NYCB
- MTB
Competitive Landscape
First of Long Island Corp faces competition from larger national and regional banks, as well as fintech companies. Its competitive advantage lies in its strong local presence and personalized service.
Major Acquisitions
None
- Year: 2024
- Acquisition Price (USD millions): 0
- Strategic Rationale: None
Growth Trajectory and Initiatives
Historical Growth: First of Long Island Corp has demonstrated steady growth over the past few years, driven by organic growth and strategic initiatives.
Future Projections: Analysts project continued growth for First of Long Island Corp, with revenue and earnings expected to increase in the coming years.
Recent Initiatives: Recent initiatives include investments in digital banking technologies and expansion of wealth management services.
Summary
First of Long Island Corp is a well-managed community bank with a strong local presence and solid financial performance. It is growing steadily. The company faces challenges from larger competitors and fintech companies. Investing in digital technologies will be important for its growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Financial news sources
- Analyst reports
Disclaimers:
This analysis is based on available information and is not financial advice. Investment decisions should be based on individual circumstances and after consulting with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First of Long Island Corp
Exchange NASDAQ | Headquaters Melville, NY, United States | ||
IPO Launch date 1995-08-18 | President, CEO & Director Mr. Christopher D. Becker | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 265 | Website https://www.fnbli.com |
Full time employees 265 | Website https://www.fnbli.com | ||
The First of Long Island Corporation operates as a bank holding company for The First National Bank of Long Island that provides financial services to small and medium market businesses, professional service firms, not-for-profits, municipalities, and consumers in the United States. The company offers business and personal checking products; negotiable order of withdrawal, interest on lawyer, escrow service, rent security, personal and nonpersonal money market and savings, and individual retirement accounts; and time deposits. It also provides commercial and residential mortgage, commercial and industrial, small business, multifamily, owner-occupied, municipal, Small Business Administration, construction and land development, consumer, and revolving home equity lines of credit/loans, as well as standby letters of credit; and debit and credit cards. In addition, the company offers life insurance; investment management, trust, estate, and custody; retail investment; overdraft, bill payment, lockbox, and ACH; safe deposit box rental, wire transfer, money order, checkbook printing, check, and ATM; and online and mobile banking services. The First of Long Island Corporation was founded in 1927 and is headquartered in Melville, New York.
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