` Comparison: FLIC, MTB - Alpha Spread

FLIC
vs
MTB

Over the past 12 months, FLIC has underperformed MTB, delivering a return of +1% compared to the MTB's +11% growth.

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FLIC
MTB
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Stocks Compared:
FLIC MTB
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Valuation Comparison

FLIC Intrinsic Value
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MTB Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
First of Long Island Corp
NASDAQ:FLIC
11.87 USD
M&T Bank Corp
NYSE:MTB
206.12 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
FLIC, MTB

FLIC
MTB
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
First of Long Island Corp
Revenue
M&T Bank Corp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
FLIC, MTB

FLIC
MTB
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
First of Long Island Corp
NASDAQ:FLIC
FCF is not applicable for financial companies
M&T Bank Corp
NYSE:MTB
FCF is not applicable for financial companies
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Gross Margin

FLIC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First of Long Island Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

FLIC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First of Long Island Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

FLIC
19.1%
MTB
27.3%

FCF Margin

FLIC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First of Long Island Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

FLIC
4.3%
MTB
9.1%

ROA

FLIC
0.4%
MTB
1.2%

ROIC

FLIC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First of Long Island Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

FLIC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First of Long Island Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
FLIC, MTB

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FLIC
MTB
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Performance Gap
FLIC, MTB

Performance Gap Between FLIC and MTB
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Performance By Year
FLIC, MTB

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FLIC
MTB
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