The First of Long Island Corpor FLIC

Competitive advantage analysis · financial-services

Bank Specialized
Overall moat score
25/100
Weak

Ranked against 399 peers in Banks - Regional

Key strengths

  • Diversified Revenue Streams Revenue diversification is evident (growth stability 0.79).

Key risks

  • Capital Adequacy Concerns Capital adequacy is concerning (score 0.11).
  • Weak Deposit Franchise Deposit franchise appears weak (profitability score 0.13).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Weak
24
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Where FLIC ranks in Banks - Regional

The First of Long Island Corpor ranks #332 of 393 scored companies in Banks - Regional by moat score — the top 84%. The widest moat in the group is 1st Source Corporation (SRCE) at 86/100.

# Company Moat score Rating
328 Provident Bancorp, Inc. PVBC 27/100 Developing
329 NSTS Bancorp, Inc. NSTS 25/100 Developing
330 Hope Bancorp, Inc. HOPE 25/100 Developing
331 OceanFirst Financial Corp. OCFC 25/100 Developing
332 The First of Long Island Corpor FLIC 25/100 Weak
333 Grupo Supervielle S.A. SUPV 24/100 Weak
334 Equity Bancshares, Inc. EQBK 24/100 Weak
335 Columbia Financial, Inc. CLBK 24/100 Weak
336 Triumph Financial, Inc. - Depos TFINP 23/100 Weak

See every Banks & Lenders company ranked by moat score →

How FLIC scores on the Bank Specialized defenses

Deposit Franchise

Score 24 · 22% of the moat score

A deposit franchise is the cheapest and most valuable thing a bank can own.

Lending Advantage

Score 14 · 18% of the moat score

Lending advantage is the ability to originate loans at attractive spreads without buying that volume with looser credit standards.

Capital Strength

Score 13 · 20% of the moat score

Capital is the buffer between loan losses and insolvency, and it is what regulators judge a bank on first.

Cost Discipline

Score 12 · 16% of the moat score

Banking carries high fixed costs in branches, compliance and technology, so what it costs to run the bank relative to what the bank earns is a genuine competitive variable.

Revenue Diversification

Score 76 · 14% of the moat score

A bank earning everything from net interest income is a leveraged bet on the rate cycle.

Risk Management

Score 18 · 10% of the moat score

Risk management is the defense that only reveals itself late.

How each Bank Specialized defense is measured, in full →

Understanding FLIC's moat

What is The First of Long Island Corpor's moat score?

The First of Long Island Corpor (FLIC) scores 25 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as weak. It ranks #332 of 393 scored companies in Banks - Regional, the top 84%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 399 companies in Banks - Regional. Its strongest defense is Revenue Diversification (76/100) and its weakest is Cost Discipline (12/100).

How does The First of Long Island Corpor compare with other Banks - Regional companies?

The First of Long Island Corpor ranks #332 of 393 scored companies in Banks - Regional by moat score. The widest moat in Banks - Regional is 1st Source Corporation (SRCE) at 86/100. The companies ranked closest are OceanFirst Financial Corp. (OCFC) at 25 just above it and Grupo Supervielle S.A. (SUPV) at 24 just below it.

How is the moat score calculated?

Each company is scored with an industry-specific template — Bank Specialized in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 399 companies in Banks - Regional. The defenses are then weighted to produce the overall score out of 100.

Why is The First of Long Island Corpor scored with the Bank Specialized template?

A bank does not sell a product at a margin. It funds itself, lends at a spread, and books profits that remain an estimate until the loans are actually repaid. That makes the usual margin-and-return questions misleading, so the Bank template scores what really determines a bank's durability: where its funding comes from, what it lends against, how much capital stands behind it, and whether it has been pricing risk honestly.

Which competitive defenses are measured for The First of Long Island Corpor?

The Bank Specialized template measures 6 defenses, and FLIC scores: Deposit Franchise (24), Lending Advantage (14), Capital Strength (13), Cost Discipline (12), Revenue Diversification (76), Risk Management (18). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.

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