First of Long Island (FLIC) Competitors

First of Long Island (NASDAQ:FLIC) and German American Bancorp (NASDAQ:GABC) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their earnings, institutional ownership, valuation, risk, media sentiment, dividends, community ranking, profitability and analyst recommendations.

Is FLIC or GABC a better dividend stock?

First of Long Island pays an annual dividend of $0.84 per share and has a dividend yield of 6.5%. German American Bancorp pays an annual dividend of $1.16 per share and has a dividend yield of 3.0%. First of Long Island pays out 112.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. German American Bancorp pays out 41.1% of its earnings in the form of a dividend. German American Bancorp has increased its dividend for 13 consecutive years.

Which has more volatility & risk, FLIC or GABC?

First of Long Island has a beta of 0.75, suggesting that its stock price is 25% less volatile than the S&P 500. Comparatively, German American Bancorp has a beta of 0.64, suggesting that its stock price is 36% less volatile than the S&P 500.

Is FLIC or GABC more profitable?

German American Bancorp has a net margin of 23.69% compared to First of Long Island's net margin of 9.52%. German American Bancorp's return on equity of 12.04% beat First of Long Island's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First of Long Island	9.52%	4.74%	0.43%
German American Bancorp	23.69%	12.04%	1.35%

Which has better earnings & valuation, FLIC or GABC?

German American Bancorp has higher revenue and earnings than First of Long Island. German American Bancorp is trading at a lower price-to-earnings ratio than First of Long Island, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First of Long Island	$179.40M	1.63	$17.08M	$0.75	17.28
German American Bancorp	$353.70M	3.30	$83.81M	$2.82	13.93

Does the media favor FLIC or GABC?

In the previous week, German American Bancorp had 6 more articles in the media than First of Long Island. MarketBeat recorded 8 mentions for German American Bancorp and 2 mentions for First of Long Island. First of Long Island's average media sentiment score of 1.02 beat German American Bancorp's score of 0.87 indicating that First of Long Island is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
First of Long Island	1 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
German American Bancorp	4 Very Positive mention(s)	0 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Does the MarketBeat Community believe in FLIC or GABC?

German American Bancorp received 49 more outperform votes than First of Long Island when rated by MarketBeat users. Likewise, 53.25% of users gave German American Bancorp an outperform vote while only 48.69% of users gave First of Long Island an outperform vote.

Company	Underperform	Outperform
First of Long Island	Outperform Votes 205 48.69%	Underperform Votes 216 51.31%
German American Bancorp	Outperform Votes 254 53.25%	Underperform Votes 223 46.75%

Do analysts rate FLIC or GABC?

First of Long Island presently has a consensus target price of $13.00, indicating a potential upside of 0.31%. German American Bancorp has a consensus target price of $46.40, indicating a potential upside of 18.16%. Given German American Bancorp's stronger consensus rating and higher probable upside, analysts plainly believe German American Bancorp is more favorable than First of Long Island.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First of Long Island	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
German American Bancorp	0 Sell rating(s)	2 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.60

Do insiders and institutionals have more ownership in FLIC or GABC?

48.3% of First of Long Island shares are held by institutional investors. Comparatively, 46.9% of German American Bancorp shares are held by institutional investors. 6.3% of First of Long Island shares are held by insiders. Comparatively, 6.2% of German American Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Summary

German American Bancorp beats First of Long Island on 15 of the 21 factors compared between the two stocks.