City (NASDAQ:CHCO) vs. First of Long Island (NASDAQ:FLIC) Head-To-Head Survey

City (NASDAQ:CHCO) and First of Long Island (NASDAQ:FLIC) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their analyst recommendations, risk, earnings, institutional ownership, valuation, dividends and profitability.

Volatility and Risk

City has a beta of 0.48, meaning that its share price is 52% less volatile than the S&P 500. Comparatively, First of Long Island has a beta of 0.66, meaning that its share price is 34% less volatile than the S&P 500.

Institutional and Insider Ownership

72.4% of City shares are held by institutional investors. Comparatively, 48.3% of First of Long Island shares are held by institutional investors. 2.4% of City shares are held by insiders. Comparatively, 6.3% of First of Long Island shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
City	33.78%	18.31%	1.93%
First of Long Island	14.14%	6.54%	0.57%

Earnings & Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
City	$281.91 million	5.47	$114.36 million	$7.95	13.13
First of Long Island	$161.82 million	1.36	$26.24 million	$1.08	9.05

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

Dividends

City pays an annual dividend of $2.86 per share and has a dividend yield of 2.7%. First of Long Island pays an annual dividend of $0.84 per share and has a dividend yield of 8.6%. City pays out 36.0% of its earnings in the form of a dividend. 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.

Analyst Ratings

This is a summary of current ratings for City and First of Long Island, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
City	0	4	0	0	2.00
First of Long Island	0	0	0	0	N/A

City currently has a consensus price target of $106.75, indicating a potential upside of 2.23%. Given City’s higher probable upside, equities research analysts clearly believe City is more favorable than First of Long Island.

Summary

City beats First of Long Island on 11 of the 14 factors compared between the two stocks.

About City

City Holding Company operates as a holding company for City National Bank of West Virginia that provides various banking, trust, and investment management, and other financial solutions in the United States. The company offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. It also provides commercial and industrial loans that consist of loans to corporate and other legal entity borrowers primarily in small to mid-size industrial and commercial companies; commercial real estate loans comprising commercial mortgages, which are secured by nonresidential and multi-family residential properties; residential real estate loans to consumers for the purchase or refinance of residence; first-priority home equity loans; home equity lines of credit; amortized home equity loans; consumer loans that are secured and unsecured by automobiles, boats, recreational vehicles, certificates of deposit, and other personal property; and demand deposit account overdrafts, as well as owner-occupied real estate and construction, land development, and lines of credit. In addition, the company offers mortgage banking services, including fixed and adjustable-rate mortgages, construction financing, land loans, production of conventional and government-insured mortgages, secondary marketing, and mortgage servicing. Further, it provides deposit services for commercial customers comprising treasury management, lockbox, and other cash management services; merchant credit card services; wealth management, trust, investment, and custodial services for commercial and individual customers; and corporate trust and institutional custody, financial and estate planning, and retirement plan services, as well as automated-teller-machine, interactive-teller-machine, mobile banking, interactive voice response systems, and credit and debit card services. City Holding Company was founded in 1957 and is headquartered in Charleston, West Virginia.

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.