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★ Analysts see FY2025 revenue reaching $98M — -45.5% growth in a single year.
What’s Driving the Stock
1FLIC's recent expansion into small business lending has resulted in a 20% increase in applications, indicating strong demand.
2The bank's non-performing asset ratio has improved to 0.5%, down from 1.2% last year, indicating better credit quality.
3A recent partnership with a fintech company to enhance digital banking services could attract younger customers, potentially increasing deposits by 15%.
4Rising interest rates could lead to a 10% increase in net interest income over the next year, enhancing profitability.
5Digital transformation in banking
6Growth in small business lending
7Changes in the Federal Funds Rate impacting net interest margins
8Local economic conditions affecting loan demand and credit quality
"Management noted, 'Our focus on small business lending is paying off, and we are seeing a significant uptick in demand.'"
Moat: FLIC's strong local presence and customer relationships provide a durable competitive advantage in its market.
value - The low Price/Book ratio of 0.7 suggests potential undervaluation relative to its assets.
Rising interest rates generally enhance FLIC's net interest margins, improving profitability.
Watch on earnings: Federal Funds Rate, Local unemployment rate in Long Island, Commercial real estate vacancy rates.
One Sentence Summary:
The bull case: First of Long Island is positioned for -45.5% growth on the back of flic's recent expansion into small business lending has resulted in a 20% increase in applications.
Auto-composed from Stock Alarm intelligence, financial statements, and analyst estimates. Not investment advice.