The First of Long Island Corporation Financial Ratios — FLIC

Profitability (USD)

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Return on Common Equity (%)	15.76	15.16	14.56	14.01	13.97	14.46	15.75	16.24	17.35	15.7	14.34	13.89	13.94	7.4	4.78
Return on Assets (%)	1.09	1.04	0.99	0.94	0.9	0.88	0.93	0.95	1.02	1	1.01	1.06	1.12	0.62	0.41
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.91	4.09	4.01	4.06	3.84	3.57	3.33	3.44	3.88	5.61	5.49	7.27	4.93	6.19	7.9
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	37.39	37.44	36.15	38.88	39.16	39.54	41.32	42.98	44.5	44.94	42.65	44.65	45.44	31.7	19.66
Profit Margin (%)	28.94	29.86	29.01	30.63	30.96	30.69	31.96	33.54	39.67	37.51	35.48	36.09	36.63	28.23	20.03
Net Income to Common Margin (%)	28.94	29.86	29.01	30.63	30.96	30.69	31.96	33.54	39.67	37.51	35.48	36.09	36.63	28.23	20.03
Effective Tax Rate (%)	22.6	20.26	19.74	21.21	20.94	22.38	22.66	21.97	10.85	16.53	16.81	19.17	19.39	10.96	- -
Dvd Payout Ratio (%)	34	40.04	51.99	32.41	42.3	41.56	39.11	39.02	37.49	41.51	42.28	42.38	39.61	72.1	110.81
Sustainable Growth Rate (%)	10.4	9.09	6.99	9.47	8.06	8.45	9.59	9.91	10.85	9.19	8.28	8	8.42	2.07	-0.52

Credit (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Total Debt	254	182	192	340	425	531	574	689	742	533	309	323	437	567	457
ST Debt	62	90	92	100	125	200	200	270	380	180	50	125	- -	70	- -
LT Debt	192	92	100	240	300	331	374	419	362	353	259	198	437	497	457
Total Debt/EBITDA	101.97	68.43	68.18	120.4	148.86	176.14	178.38	191.12	182.41	85.67	48.5	37.17	69.23	98.65	67.87
Net Debt/EBITDA	94.67	57.37	53.2	107.83	137.32	162.99	166.91	171.79	170.76	76.95	13.31	30.84	53.37	83.73	58.91
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.16	6.63	6.92	6.58	6.3	5.96	5.86	5.82	5.95	6.75	7.32	7.93	8.19	8.46	8.65
Long-Term Debt/Equity (%)	122.53	48.85	48.69	116.19	128.59	131.79	122.36	118.15	93.26	90.64	63.63	47.75	119.85	130.85	120.61
Long-Term Debt/Capital (%)	51.04	29.21	29.59	48.19	50.29	46.11	47.98	45.74	36.4	43.57	42.67	30.62	55.46	53.74	56.19
Long-Term Debt/Total Assets (%)	11.22	4.57	4.74	10	11.02	10.56	10.66	10.75	8.54	8.61	6.37	4.86	10.2	11.74	11.09
Total Debt/Equity (%)	161.84	96.38	93.49	164.6	182.17	211.49	187.76	194.33	191.15	136.9	75.91	77.95	119.85	149.27	120.61
Total Debt/Capital (%)	67.41	57.63	56.81	68.27	71.25	74	73.63	75.23	74.61	65.81	50.91	50	55.46	61.31	56.19
Total Debt/Total Assets (%)	14.82	9.02	9.11	14.17	15.62	16.95	16.36	17.69	17.5	13	7.59	7.93	10.2	13.4	11.09
Net Debt to Equity	150.26	80.81	72.95	147.42	168.05	195.7	175.68	174.67	178.95	122.97	20.83	64.68	92.4	126.69	104.7
Net Debt/Capital (%)	65.76	53.28	50.65	65.84	69.57	72.48	72.31	73.19	73.34	62.1	21.43	44.49	47.2	55.7	51.19
EBITDA	2	3	3	3	3	3	3	4	4	6	6	9	6	6	7
EBITDA-CapEx	-3	-1	-3	- -	-3	-2	-4	-5	-2	3	3	1	3	3	5
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.16	6.63	6.92	6.58	6.3	5.96	5.86	5.82	5.95	6.75	7.32	7.93	8.19	8.46	8.65
Long-Term Debt/Equity (%)	122.53	48.85	48.69	116.19	128.59	131.79	122.36	118.15	93.26	90.64	63.63	47.75	119.85	130.85	120.61
Long-Term Debt/Capital (%)	51.04	29.21	29.59	48.19	50.29	46.11	47.98	45.74	36.4	43.57	42.67	30.62	55.46	53.74	56.19
Long-Term Debt/Total Assets (%)	11.22	4.57	4.74	10	11.02	10.56	10.66	10.75	8.54	8.61	6.37	4.86	10.2	11.74	11.09
Total Debt/Equity (%)	161.84	96.38	93.49	164.6	182.17	211.49	187.76	194.33	191.15	136.9	75.91	77.95	119.85	149.27	120.61
Total Debt/Capital (%)	67.41	57.63	56.81	68.27	71.25	74	73.63	75.23	74.61	65.81	50.91	50	55.46	61.31	56.19
Total Debt/Total Assets (%)	14.82	9.02	9.11	14.17	15.62	16.95	16.36	17.69	17.5	13	7.59	7.93	10.2	13.4	11.09
CFO/Total Liabilities	1.71	1.61	1.84	1.81	1.44	1.24	1.11	1.33	1.54	1.35	1.26	1.39	1.31	0.83	0.4
CFO/CapEx	5.23	8.13	6.29	13.16	5.74	6.5	4.91	5.31	10.44	17.39	15.3	6.6	14.29	11.24	10.18
Altman's Z-Score	0.19	0.17	0.18	0.19	0.18	0.17	0.19	0.19	0.17	0.2	0.19	0.21	0.2	0.18	0.14

Working Capital (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Accounts Receivable Turnover

- -

Days Sales Outstanding

- -

Inventory Turnover

- -

Days Inventory Outstanding

- -

Accounts Payable Turnover

- -

Accounts Payable Turnover Days

- -

Cash Conversion Cycle

- -

Inventory to Cash Days

- -

Inventories

- -

Raw Materials

- -

Work In Process

- -

Finished Goods

- -

Other Inventory

- -

Enterprise Value (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Market Capitalization	134	143	160	255	261	290	460	499	372	471	338	421	358	278	- -
- Cash & Cash Equivalents	18	29	42	35	33	40	37	70	47	39	211	44	74	61	38
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	254	182	192	340	425	531	574	689	742	533	309	323	437	567	457
Enterprise Value	370	-598	-508	-225	-121	43	182	398	309	267	-227	-34	48	88	41
Total Capital	376	317	338	498	597	717	780	916	994	809	607	645	788	926	813
Total Debt/Capital (%)	67.41	57.63	56.81	68.27	71.25	74	73.63	75.23	74.61	65.81	50.91	50	55.46	61.31	56.19
Total Debt / EV	0.69	-0.31	-0.38	-1.51	-3.51	12.2	3.15	1.73	2.4	2	-1.36	-9.46	9.17	6.43	11.06
EV/Sales	5.82	- -	- -	- -	- -	0.52	1.89	3.8	2.95	2.41	- -	- -	0.37	0.95	0.48
EV/EBITDA	148.73	- -	- -	- -	- -	14.43	56.65	110.55	75.89	42.94	- -	- -	7.55	15.35	6.14
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	13.9	- -	- -	- -	- -	1.22	5.12	8.45	5.2	5.34	- -	- -	0.93	2.74	2.76
EV/Free Cash Flow to Firm	11.67	- -	- -	- -	- -	1.06	4.26	7.11	4.75	5.05	- -	- -	0.87	2.52	2.52
Diluted Market Cap	136	143	162	257	264	294	466	505	374	474	339	423	360	279	- -
Diluted Enterprise Value	372	296	312	561	656	785	1,003	1,124	1,069	968	437	702	723	785	419
EV per Share	20.83	- -	- -	- -	- -	2.07	8.02	16.45	12.21	10.83	- -	- -	2.08	3.91	- -
TTM Sales	64	65	70	70	74	84	97	105	105	111	116	119	128	93	85
TTM EBITDA	2	3	3	3	3	3	3	4	4	6	6	9	6	6	7
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	27	30	35	40	36	36	36	47	59	50	46	51	51	32	15
TTM Free Cash Flow to Firm	32	33	41	43	42	41	43	56	65	53	49	58	55	35	16

Multiples (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Price/Free Cash Flow	4.3	4.31	3.99	6.02	6.28	7.14	10.88	9	5.76	8.97	6.91	7.24	6.54	7.95	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	370	-598	-508	-225	-121	43	182	398	309	267	-227	-34	48	88	41
Low Price	9.98	9.58	11.16	12.47	14.81	15.21	17.43	25.6	18.94	17.53	12.16	16.63	16.51	8.79	9.3
EV/Sales	5.82	- -	- -	- -	- -	0.52	1.89	3.8	2.95	2.41	- -	- -	0.37	0.95	0.48
EV/EBITDA	148.73	- -	- -	- -	- -	14.43	56.65	110.55	75.89	42.94	- -	- -	7.55	15.35	6.14
Price/Earnings	7.31	7.35	7.85	11.97	11.34	11.21	14.91	14.22	8.95	11.33	8.21	9.78	7.64	10.58	- -
Price/Earnings Average	6.31	7.14	7.65	9.47	10.04	9.83	10.81	13.89	10.83	10.04	7.7	9.29	7.88	10.1	- -
Price/Earnings High	12.55	13.48	13.88	18.4	17.53	17.25	21.85	23.1	18.19	15.15	14.64	13.16	11.18	16.21	- -
Price/Earnings Low	9.64	9.81	10.97	11.99	13.3	12.33	12.84	17.65	11.52	10.4	7.04	9.13	8.04	7.55	- -
Price/Book Value	1.1	1.07	1.1	1.61	1.52	1.56	2.24	2.2	1.47	1.7	1.14	1.31	1.02	0.78	- -
Price/Book Value Average	0.95	1.04	1.07	1.28	1.35	1.37	1.62	2.15	1.78	1.51	1.06	1.24	1.05	0.74	- -
Price/Book Value High	1.88	1.95	1.94	2.48	2.35	2.4	3.28	3.58	3	2.28	2.02	1.76	1.5	1.19	- -
Price/Book Value Low	1.45	1.42	1.53	1.62	1.78	1.71	1.93	2.73	1.9	1.56	0.97	1.22	1.08	0.55	- -
Price/Tangible Book Value	0.86	0.76	0.78	1.23	1.12	1.16	1.51	1.41	0.96	1.21	0.83	1.02	0.98	0.73	- -
Price/Tangible Book Value Average	0.74	0.73	0.76	0.98	0.99	1.01	1.09	1.38	1.16	1.07	0.78	0.97	1.01	0.7	- -
Price/Tangible Book Value High	1.47	1.38	1.38	1.9	1.73	1.78	2.21	2.29	1.95	1.62	1.48	1.37	1.44	1.12	- -
Price/Tangible Book Value Low	1.13	1.01	1.09	1.24	1.31	1.27	1.3	1.75	1.23	1.11	0.71	0.95	1.04	0.52	- -
Price/Sales	2.12	2.2	2.28	3.67	3.51	3.44	4.76	4.77	3.55	4.25	2.91	3.53	2.8	2.99	- -
Price/Sales Average	1.83	2.13	2.22	2.9	3.11	3.02	3.45	4.66	4.3	3.76	2.73	3.35	2.89	2.85	- -
Price/Sales High	3.63	4.02	4.03	5.64	5.43	5.3	6.98	7.75	7.22	5.68	5.19	4.75	4.1	4.58	- -
Price/Sales Low	2.79	2.93	3.18	3.67	4.12	3.78	4.1	5.92	4.57	3.9	2.5	3.3	2.95	2.13	- -
Price/Cash Flow	5.05	4.84	4.57	6.43	7.29	8.13	12.94	10.59	6.27	9.42	7.35	8.3	6.97	8.63	- -
Price/Cash Flow Average	4.36	4.7	4.45	5.08	6.45	7.14	9.38	10.34	7.58	8.34	6.89	7.88	7.19	8.24	- -
Price/Cash Flow High	8.68	8.87	8.08	9.88	11.27	12.52	18.96	17.2	12.74	12.6	13.1	11.17	10.21	13.22	- -
Price/Cash Flow Low	6.66	6.46	6.39	6.44	8.55	8.95	11.14	13.14	8.07	8.65	6.3	7.75	7.34	6.16	- -
Price/Free Cash Flow Average	3.71	4.19	3.88	4.76	5.56	6.27	7.88	8.79	6.96	7.95	6.48	6.88	6.75	7.6	- -
Price/Free Cash Flow High	7.38	7.9	7.05	9.25	9.72	10.99	15.94	14.62	11.7	12	12.33	9.74	9.58	12.19	- -
Price/Free Cash Flow Low	5.66	5.75	5.57	6.03	7.37	7.86	9.37	11.18	7.41	8.24	5.93	6.76	6.89	5.68	- -
EV/Sales Average	5.53	4.48	4.35	7.28	8.38	8.84	9.01	10.57	10.93	8.22	3.58	5.69	5.72	8.3	4.91
EV/Sales High	7.34	6.37	6.16	10.02	10.7	11.12	12.54	13.66	13.85	10.14	6.04	7.09	6.93	10.02	4.91
EV/Sales Low	6.49	5.28	5.31	8.05	9.39	9.61	9.66	11.83	11.2	8.36	3.34	5.63	5.78	7.58	4.91
EV/EBITDA Average	141.35	109.48	108.6	179.26	218.22	247.49	270.59	307.13	281.42	146.48	65.15	78.27	116.07	134.15	62.18
EV/EBITDA High	187.51	155.68	153.74	246.64	278.65	311.25	376.56	396.92	356.67	180.67	110.02	97.5	140.64	162.01	62.18
EV/EBITDA Low	165.94	128.94	132.61	198.26	244.55	268.96	290.07	343.83	288.53	148.94	60.89	77.46	117.3	122.53	62.18
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	7.57	7.18	7.99	12.45	12.62	13.82	20.24	20.62	14.71	19.09	14.18	17.81	15.67	12.31	11.68
High Price	13	13.16	14.13	19.14	19.52	21.28	29.67	33.5	29.9	25.53	25.28	23.98	22.95	18.86	15.03
Enterprise Value Average	352	292	306	506	623	746	871	1,107	1,145	911	415	679	733	772	419
Enterprise Value High	466	415	433	697	796	938	1,212	1,430	1,451	1,123	701	846	888	932	419
Enterprise Value Low	413	344	373	560	698	810	934	1,239	1,174	926	388	672	740	705	419

Shares Outstanding	20	20	20	21	21	21	24	25	25	24	24	23	22	23	23
Diluted Weighted Avg Shares	18	20	20	21	21	21	23	24	25	25	24	24	23	23	- -
Basic Weighted Avg Shares	18	20	20	20	21	21	23	24	25	25	24	24	23	23	- -
Revenue per Share	3.58	3.27	3.51	3.39	3.6	4.02	4.25	4.32	4.14	4.49	4.87	5.05	5.6	4.12	- -
EBITDA per Share	0.14	0.13	0.14	0.14	0.14	0.14	0.14	0.15	0.16	0.25	0.27	0.37	0.28	0.26	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.04	0.98	1.02	1.04	1.11	1.23	1.36	1.45	1.64	1.68	1.73	1.82	2.05	1.16	- -
Basic EPS from Cont Ops	1.04	0.98	1.02	1.04	1.11	1.23	1.36	1.45	1.64	1.68	1.73	1.82	2.05	1.16	- -
Diluted EPS, GAAP	1.02	0.98	1.01	1.03	1.1	1.22	1.34	1.44	1.63	1.67	1.72	1.81	2.04	1.16	- -
Diluted EPS from Cont Ops	1.02	0.98	1.01	1.03	1.1	1.22	1.34	1.44	1.63	1.67	1.72	1.81	2.04	1.16	- -
Dividend per Share	0.35	0.39	0.53	0.34	0.47	0.51	0.53	0.57	0.62	0.7	0.73	0.77	0.81	0.84	- -
Cash Flow per Share	1.5	1.48	1.75	1.94	1.73	1.7	1.56	1.95	2.35	2.03	1.93	2.15	2.25	1.43	- -
Free Cash Flow per Basic Share	1.21	1.3	1.47	1.79	1.43	1.44	1.25	1.58	2.12	1.91	1.8	1.82	2.09	1.3	- -
Cash & Equivalents per Share	1.02	46.35	42.9	40.05	39.04	37.03	37.47	32.61	31.84	29.86	36.63	32.89	32.69	33.56	- -
Book Value per Share	6.9	6.73	7.29	7.72	8.3	8.88	9.04	9.36	9.98	11.22	12.49	13.64	15.34	15.88	- -
Tangible Book Value per Share	8.82	9.5	10.25	10.09	11.29	11.95	13.45	14.63	15.35	15.78	17.06	17.49	15.94	16.86	- -

The First of Long Island Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)