First of Long Island (NASDAQ:FLIC) versus U.S. Bancorp (NYSE:USB) Financial Review

First of Long Island (NASDAQ:FLIC) and U.S. Bancorp (NYSE:USB) are both finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their dividends, risk, analyst recommendations, profitability, institutional ownership, earnings and valuation.

Earnings & Valuation

This table compares First of Long Island and U.S. Bancorp’s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First of Long Island	$88.02 million	3.27	$26.24 million	$1.08	11.82
U.S. Bancorp	$27.25 billion	2.70	$5.43 billion	$3.02	15.64

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

Volatility & Risk

First of Long Island has a beta of 0.69, indicating that its stock price is 31% less volatile than the S&P 500. Comparatively, U.S. Bancorp has a beta of 1.04, indicating that its stock price is 4% more volatile than the S&P 500.

Dividends

First of Long Island pays an annual dividend of $0.84 per share and has a dividend yield of 6.6%. U.S. Bancorp pays an annual dividend of $1.96 per share and has a dividend yield of 4.1%. First of Long Island pays out 77.8% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. U.S. Bancorp pays out 64.9% of its earnings in the form of a dividend. U.S. Bancorp has raised its dividend for 13 consecutive years.

Profitability

This table compares First of Long Island and U.S. Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
First of Long Island	12.58%	5.96%	0.52%
U.S. Bancorp	12.55%	13.34%	0.97%

Insider & Institutional Ownership

48.3% of First of Long Island shares are owned by institutional investors. Comparatively, 77.6% of U.S. Bancorp shares are owned by institutional investors. 6.3% of First of Long Island shares are owned by insiders. Comparatively, 0.2% of U.S. Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Analyst Recommendations

This is a summary of recent ratings and price targets for First of Long Island and U.S. Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First of Long Island	0	1	0	0	2.00
U.S. Bancorp	0	12	7	0	2.37

First of Long Island currently has a consensus price target of $13.00, indicating a potential upside of 1.80%. U.S. Bancorp has a consensus price target of $48.23, indicating a potential upside of 2.12%. Given U.S. Bancorp’s stronger consensus rating and higher possible upside, analysts plainly believe U.S. Bancorp is more favorable than First of Long Island.

Summary

U.S. Bancorp beats First of Long Island on 13 of the 17 factors compared between the two stocks.

About First of Long Island

The First of Long Island Corporation operates as the holding company for The First National Bank of Long Island that provides financial services to small and medium-sized businesses, professionals, consumers, municipalities, and other organizations. The company offers business and small business checking, personal checking, negotiable order of withdrawal, interest on lawyer, escrow service, rent security, personal and nonpersonal money market, savings, time deposit, and individual retirement accounts. It also provides commercial and residential mortgage, commercial and industrial, small business credit scored, Small Business Administration, construction and land development, consumer, and home equity lines/loans, as well as standby letters of credit; debit or credit cards; and overdraft facilities. In addition, the company offers life insurance, investment management, trust, estate and custody, retail investment, bill payment, lockbox, ACH, safe deposit box rental, wire transfer, money order, checkbook printing, check, ATM, and online and mobile banking services. The First of Long Island Corporation was founded in 1927 and is headquartered in Melville, New York.

About U.S. Bancorp

U.S. Bancorp, a financial services holding company, provides various financial services to individuals, businesses, institutional organizations, governmental entities, and other financial institutions in the United States. It operates through Wealth, Corporate, Commercial and Institutional Banking; Consumer and Business Banking; Payment Services; and Treasury and Corporate Support segments. The company offers depository services, including checking accounts, savings accounts, and time certificate contracts; and lending services, such as traditional credit products and credit card services, lease financing and import/export trade, asset-backed lending, agricultural finance, and other products. It also provides ancillary services comprising capital markets, treasury management, and receivable lock-box collection services to corporate and governmental entity customers. In addition, the company offers asset management and fiduciary services for individuals, estates, foundations, business corporations, and charitable organizations. Further, it provides investment and insurance products to its customers principally within its domestic markets, as well as fund administration services to mutual and other funds. Additionally, the company provides corporate and purchasing card, and corporate trust services. Furthermore, it offers trust and investment management, merchant and ATM processing, mortgage banking, insurance, and brokerage and leasing services. U.S. Bancorp was founded in 1863 and is headquartered in Minneapolis, Minnesota.