FLIC Statistics

Total Valuation

FLIC has a market cap or net worth of $320.80 million.

Market Cap	320.80M
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Thursday, January 23, 2025, after market close.

Earnings Date	Jan 23, 2025
Ex-Dividend Date	Oct 11, 2024

Share Statistics

FLIC has 22.54 million shares outstanding. The number of shares has increased by 0.03% in one year.

Current Share Class	22.54M
Shares Outstanding	22.54M
Shares Change (YoY)	+0.03%
Shares Change (QoQ)	+0.47%
Owned by Insiders (%)	5.21%
Owned by Institutions (%)	57.86%
Float	21.37M

Valuation Ratios

The trailing PE ratio is 16.16 and the forward PE ratio is 12.59.

PE Ratio	16.16
Forward PE	12.59
PS Ratio	3.81
Forward PS	3.33
PB Ratio	0.83
P/TBV Ratio	0.82
P/FCF Ratio	10.21
P/OCF Ratio	9.73
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	14.96
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 5.35%.

Return on Equity (ROE)	5.35%
Return on Assets (ROA)	0.47%
Return on Capital (ROIC)	n/a
Revenue Per Employee	$294,285
Profits Per Employee	$69,066
Employee Count	288
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, FLIC has paid $550,000 in taxes.

Income Tax	550,000
Effective Tax Rate	2.69%

Stock Price Statistics

The stock price has increased by +19.73% in the last 52 weeks. The beta is 0.71, so FLIC's price volatility has been lower than the market average.

Beta (5Y)	0.71
52-Week Price Change	+19.73%
50-Day Moving Average	13.41
200-Day Moving Average	11.66
Relative Strength Index (RSI)	55.42
Average Volume (20 Days)	97,886

Short Selling Information

The latest short interest is 81,266, so 0.36% of the outstanding shares have been sold short.

Short Interest	81,266
Short Previous Month	76,212
Short % of Shares Out	0.36%
Short % of Float	0.38%
Short Ratio (days to cover)	0.80

Income Statement

In the last 12 months, FLIC had revenue of $84.75 million and earned $19.89 million in profits. Earnings per share was $0.88.

Revenue	84.75M
Gross Profit	84.75M
Operating Income	21.85M
Pretax Income	23.94M
Net Income	19.89M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.88

Full Income Statement

Balance Sheet

The company has $78.57 million in cash and $467.88 million in debt, giving a net cash position of -$389.31 million or -$17.27 per share.

Cash & Cash Equivalents	78.57M
Total Debt	467.88M
Net Cash	-389.31M
Net Cash Per Share	-$17.27
Equity (Book Value)	388.58M
Book Value Per Share	17.25
Working Capital	-3.26B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $32.82 million and capital expenditures -$1.54 million, giving a free cash flow of $31.28 million.

Operating Cash Flow	32.82M
Capital Expenditures	-1.54M
Free Cash Flow	31.28M
FCF Per Share	$1.39

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	25.79%
Pretax Margin	24.12%
Profit Margin	23.47%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	24.40%

Dividends & Yields

This stock pays an annual dividend of $0.84, which amounts to a dividend yield of 5.90%.

Dividend Per Share	$0.84
Dividend Yield	5.90%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	95.42%
Buyback Yield	-0.03%
Shareholder Yield	5.86%
Earnings Yield	6.23%
FCF Yield	9.80%

Dividend Details

Analyst Forecast

The average price target for FLIC is $13.00, which is -8.64% lower than the current price. The consensus rating is "Hold".

Price Target	$13.00
Price Target Difference	-8.64%
Analyst Consensus	Hold
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

Stock Splits

The last stock split was on November 29, 2016. It was a forward split with a ratio of 1.5:1.

Last Split Date	Nov 29, 2016
Split Type	Forward
Split Ratio	1.5:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4