The First of Long Island Corporation (FLIC) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
The First of Long Island Corporation (FLIC) trades at $11.87 with AI Score 47/100 (Grade C). The First of Long Island Corporation operates as the holding company for The First National Bank of Long… Market cap: $269M, Sector: Financial services.
Price as of Jul 19, 2026 · Last analyzed: May 10, 2026Analyst Coverage for FLIC: FLIC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FLIC against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
FLIC: 1/3 scored disciplines lean bearish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
The First of Long Island Corporation (FLIC) Financial Services Profile
The First of Long Island Corporation, a regional bank holding company, serves the New York metropolitan area with a focus on small and medium-sized businesses and consumers. Operating through The First National Bank of Long Island, FLIC provides a comprehensive suite of financial services, supported by a network of 40 branches.
What Is the Investment Thesis for FLIC?
The First of Long Island Corporation presents a mixed investment profile. The company's focus on the New York metropolitan area provides a stable customer base, but its relatively high P/E ratio of 38.4 suggests it may be overvalued compared to peers. A profit margin of 8.0% and gross margin of 49.3% indicate reasonable profitability. However, the absence of a dividend yield may deter income-seeking investors. Upcoming catalysts include potential expansion within the New York market and increased adoption of digital banking services. Potential risks include interest rate sensitivity and competition from larger regional and national banks. Investors should closely monitor FLIC's ability to grow its loan portfolio and manage its operating expenses to sustain profitability.
Based on FMP financials and quantitative analysis
FLIC Key Highlights
- Market capitalization of $269M indicates a small-cap bank.
- P/E ratio of 38.4 suggests a potentially high valuation compared to peers.
- Profit margin of 8.0% reflects moderate profitability.
- Gross margin of 49.3% indicates a healthy spread between revenue and cost of goods sold.
- Beta of 0.86 suggests lower volatility compared to the overall market.
Who Are FLIC's Competitors?
FLIC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CZFS Citizens Financial Services, Inc. | $73.62 | -1.62% | $354M | 92 |
| BCML BayCom Corp | $33.97 | -2.36% | $371M | 92 |
| PKBK Parke Bancorp, Inc. | $32.74 | -1.03% | $388M | 93 |
| FNLC The First Bancorp, Inc. | $34.51 | -1.65% | $389M | 92 |
| PCB PCB Bancorp | $29.81 | -2.65% | $424M | 93 |
| RBB RBB Bancorp | $26.75 | -1.15% | $453M | 93 |
| PDLB Ponce Financial Group, Inc. | $20.25 | -1.46% | $490M | 92 |
| OBT Orange County Bancorp, Inc. | $37.56 | -2.39% | $504M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FLIC's Key Strengths?
- Established presence in the New York metropolitan area.
- Strong relationships with local businesses and customers.
- Comprehensive suite of financial products and services.
- Experienced management team.
What Are FLIC's Weaknesses?
- Relatively small size compared to larger regional and national banks.
- Limited geographic diversification.
- High P/E ratio.
- Lack of dividend yield.
What Could Drive FLIC Stock Higher?
- Potential expansion within the New York metropolitan area.
- Increased adoption of digital banking services.
- Focus on small business lending.
- Cross-selling financial products.
- Strategic partnerships.
What Are the Key Risks for FLIC?
- Financial-distress signal — its Altman Z-Score of -0.62 sits in the distress zone (elevated bankruptcy risk).
- Rich valuation — a P/E of 38.4 runs well above the Financial Services sector’s ~18x, leaving little room for a miss.
- Interest rate sensitivity.
- Economic downturn in the New York area.
- Regulatory changes.
- Competition from larger regional and national banks.
- Cybersecurity threats.
What Are the Growth Opportunities for FLIC?
- Expansion within the New York Metropolitan Area: FLIC can expand its presence by opening new branches or acquiring smaller banks in underserved areas within the New York metropolitan area. This strategy can increase its deposit base and loan portfolio. The market size for banking services in the New York area is substantial, with ongoing demand from small businesses and consumers. Timeline: Ongoing.
- Increased Adoption of Digital Banking Services: FLIC can invest in enhancing its online and mobile banking platforms to attract and retain customers. Digital banking offers convenience and efficiency, appealing to tech-savvy customers. The market for digital banking is growing rapidly, with increasing adoption rates among all age groups. Timeline: Ongoing.
- Focus on Small Business Lending: FLIC can specialize in providing loans and other financial services to small businesses in the New York area. Small businesses are a significant driver of economic growth and require access to capital. The market for small business lending is substantial, with ongoing demand for loans and lines of credit. Timeline: Ongoing.
- Cross-Selling Financial Products: FLIC can increase revenue by cross-selling its various financial products and services to existing customers. This strategy can improve customer loyalty and increase wallet share. The market for cross-selling financial products is significant, with opportunities to offer additional services to existing customers. Timeline: Ongoing.
- Strategic Partnerships: FLIC can form strategic partnerships with other businesses and organizations to expand its reach and offer new services. Partnerships can provide access to new markets and customers. The market for strategic partnerships is diverse, with opportunities to collaborate with various types of organizations. Timeline: Ongoing.
What Opportunities Does FLIC Have?
- Expansion within the New York metropolitan area.
- Increased adoption of digital banking services.
- Focus on small business lending.
- Strategic partnerships.
What Threats Does FLIC Face?
- Competition from larger regional and national banks.
- Interest rate sensitivity.
- Economic downturn in the New York area.
- Regulatory changes.
What Are FLIC's Competitive Advantages?
- Established presence in the New York metropolitan area.
- Long-standing relationships with local businesses and customers.
- Strong understanding of the local market.
- Comprehensive suite of financial products and services.
What Does FLIC Do?
Founded in 1927 and headquartered in Glen Head, New York, The First of Long Island Corporation (FLIC) operates as the holding company for The First National Bank of Long Island. The bank provides a wide array of financial services tailored to small and medium-sized businesses, professionals, consumers, municipalities, and other organizations. Its deposit products include business and small business checking, personal checking, negotiable order of withdrawal (NOW) accounts, interest on lawyer (IOLA) accounts, escrow services, rent security accounts, and various savings and money market options, including time deposit accounts, holiday club accounts, and individual retirement accounts (IRAs). FLIC's lending portfolio encompasses commercial and residential mortgages, commercial and industrial loans, small business credit scored loans, Small Business Administration (SBA) loans, construction and land development loans, consumer loans, and home equity lines of credit. Additionally, the bank offers commercial and standby letters of credit and overdraft facilities. Beyond traditional banking services, FLIC provides life insurance, trust, estate and custody services, retail investment services, bill payment, lockbox, ACH, safe deposit box rental, wire transfer, money order, checkbook printing, check, ATM, and online and mobile banking services. The bank also offers investment securities, management, and advisory services. The First National Bank of Long Island operates 40 branches strategically located across the New York metropolitan area, including 17 branches in Nassau County, 15 in Suffolk County, 5 in Queens, 2 in Brooklyn, and 1 in Manhattan.
What Products and Services Does FLIC Offer?
- Provides business and small business checking accounts.
- Offers personal checking and savings accounts.
- Provides commercial and residential mortgage loans.
- Offers commercial and industrial loans.
- Provides Small Business Administration (SBA) loans.
- Offers online and mobile banking services.
- Provides trust, estate, and custody services.
- Offers retail investment services.
How Does FLIC Make Money?
- Generates revenue from interest income on loans.
- Earns fees from deposit accounts and other services.
- Provides trust and wealth management services for a fee.
- Offers investment securities and advisory services.
What Industry Does FLIC Operate In?
The First of Long Island Corporation operates within the regional banking sector, which is characterized by intense competition and evolving customer preferences. The industry is undergoing digital transformation, with increasing adoption of online and mobile banking services. Regional banks face competition from larger national banks and fintech companies. The New York metropolitan area, where FLIC operates, is a highly competitive market with a diverse customer base. The regional banking sector is sensitive to interest rate changes and economic conditions, impacting net interest margins and loan growth.
Who Are FLIC's Key Customers?
- Small and medium-sized businesses in the New York metropolitan area.
- Professionals such as doctors, lawyers, and accountants.
- Consumers residing in the New York metropolitan area.
- Municipalities and other organizations.
The First of Long Island Corporation (FLIC) Valuation Context
Valued at $269M, FLIC is classified as a micro-cap stock. Relative to its peer group, FLIC's quantitative score of 47/100 is below the peer average of 92/100.
ROE 2%Key Financial Metrics
Return on equity for The First of Long Island Corporation stands at 1.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.2%, showing how much profit it generates from its asset base. FLIC trades at a trailing price-to-earnings ratio of 38.37, above the Financial Services sector average of ~18x. Its free cash flow yield is 0.3%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.13 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 2.6%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 6/9Financial Health
The First of Long Island Corporation's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.62 places it in the distress zone, a signal of elevated financial risk.
FLIC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2024
Bull Case vs Bear Case
Bull Case
- Established presence in the New York metropolitan area.
- Strong relationships with local businesses and customers.
- Comprehensive suite of financial products and services.
- Experienced management team.
Bear Case
- Relatively small size compared to larger regional and national banks.
- Limited geographic diversification.
- High P/E ratio.
- Lack of dividend yield.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
FLIC Latest News
No recent news available for FLIC.
FLIC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FLIC.
Price Targets
Wall Street price target analysis for FLIC.
FLIC MoonshotScore
What does this score mean?
The MoonshotScore rates FLIC 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Christopher D. Becker
CEO
Christopher D. Becker serves as the CEO of The First of Long Island Corporation. Information regarding his detailed career history, education, and previous roles is not available in the provided data. Further research would be required to provide a comprehensive background.
Track Record: Information regarding Christopher D. Becker's specific achievements, strategic decisions, and company milestones under his leadership is not available in the provided data. Further research would be required to provide a detailed track record.
FLIC Financial Services Stock FAQ
What does the AI Score mean for FLIC?
FLIC holds an AI Score of 47/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. The First of Long Island Corporation operates as the holding company for The First National Bank of Long Island, providing financial services to businesses, professionals, consumers, …
What does The First of Long Island Corporation do?
The First of Long Island Corporation operates as the holding company for The First National Bank of Long Island, offering a comprehensive suite of financial services to small and medium-sized businesses, professionals, consumers, municipalities, and other organizations in the New York metropolitan area. These services include deposit accounts, loans, insurance, trust and estate services, and investment management.
What do analysts say about FLIC stock?
Analyst consensus on FLIC stock is Unknown, as no specific analyst ratings or price targets are provided in the available data. Key valuation metrics include a P/E ratio of 38.4, which may suggest a relatively high valuation. Growth considerations include the company's ability to expand within the New York market and capitalize on the increasing adoption of digital banking services.
What are the main risks for FLIC?
The main risks for The First of Long Island Corporation include interest rate sensitivity, which can impact net interest margins and profitability. Competition from larger regional and national banks poses a threat to market share. An economic downturn in the New York area could lead to increased loan defaults and reduced demand for banking services.
What are the key factors to evaluate for FLIC?
The First of Long Island Corporation (FLIC) holds an AI score of 47/100 (low). P/E: 38.4x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does FLIC data refresh on this page?
FLIC's price was last updated on Jul 19, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven FLIC's recent stock price performance?
The First of Long Island Corporation (FLIC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established presence in the New York metropolitan area. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FLIC overvalued or undervalued right now?
The First of Long Island Corporation (FLIC) trades at 38.4x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research FLIC before investing?
Before investing in The First of Long Island Corporation (FLIC), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based solely on the provided source data.
- Analyst consensus and detailed CEO background information are not available.