` Comparison: FLIC, PNC - Alpha Spread

FLIC
vs
PNC

Over the past 12 months, FLIC has underperformed PNC, delivering a return of -8% compared to the PNC's +6% growth.

Valuation Growth Profitability Solvency Stocks Performance
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FLIC
PNC
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Stocks Compared:
FLIC PNC
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Valuation Comparison

FLIC Intrinsic Value
16.4 USD
Undervaluation 28%
Intrinsic Value
Price
PNC Intrinsic Value
232.98 USD
Undervaluation 9%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
First of Long Island Corp
NASDAQ:FLIC
11.87 USD
PNC Financial Services Group Inc
NYSE:PNC
210.89 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
FLIC, PNC

FLIC
PNC
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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
PNC Financial Services Group Inc
Revenue

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

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Profitability Comparison

Free Cash Flow
FLIC, PNC

FLIC
PNC
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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
PNC Financial Services Group Inc
NYSE:PNC
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

FLIC
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
First of Long Island Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Operating Margin

FLIC
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
First of Long Island Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Net Margin

FLIC
19.1%
PNC
27.3%

FCF Margin

FLIC
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
First of Long Island Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROE

FLIC
4.3%
PNC
10.7%

ROA

FLIC
0.4%
PNC
1.1%

ROIC

FLIC
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
First of Long Island Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

ROCE

FLIC
PNC
LTM 3Y Avg 5Y Avg 10Y Avg
First of Long Island Corp
Not applicable for financial companies
PNC Financial Services Group Inc
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
FLIC, PNC

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FLIC
PNC
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
FLIC, PNC

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FLIC
PNC
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
FLIC, PNC

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FLIC
PNC
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