FNFI Stock Overview

Operates as a holding company for the Home Federal Savings and Loan Association of Niles that provides various banking products and services in Ohio, the United States. More details

FNFI fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	5/6
Financial Health	5/6
Dividends	2/6

Rewards

Trading at 7.1% below our estimate of its fair value

Earnings grew by 53.9% over the past year

Risk Analysis

Does not have a meaningful market cap ($9M)

Shares are highly illiquid

My Notes

Capture your thoughts, links and company narrative

First Niles Financial, Inc. Competitors

Union Financial

OTCPK:UFCP

US$8.2m

Southern Banc Company

OTCPK:SRNN

US$10.4m

CNB Financial Services

OTCPK:CBFC

US$12.7m

Versailles Financial

OTCPK:VERF

US$6.6m

Price History & Performance

Summary of share price highs, lows and changes for First Niles Financial
Historical stock prices
Current Share Price	US$8.35
52 Week High	US$10.25
52 Week Low	US$7.68
Beta	0.38
1 Month Change	2.83%
3 Month Change	-11.55%
1 Year Change	-19.71%
3 Year Change	-16.50%
5 Year Change	-1.76%
Change since IPO	-27.39%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	FNFI	US Banks	US Market
7D	1.2%	-3.4%	-2.4%
1Y	-19.7%	29.1%	23.4%

Return vs Industry: FNFI underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: FNFI underperformed the US Market which returned 23.4% over the past year.

Price Volatility

Is FNFI's price volatile compared to industry and market?
FNFI volatility
FNFI Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	3.1%

Stable Share Price: FNFI's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine FNFI's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1897	n/a	Dan Csontos	www.homefedniles.com

First Niles Financial, Inc. operates as a holding company for the Home Federal Savings and Loan Association of Niles that provides various banking products and services in Ohio, the United States. The company offers personal and business checking and savings, money market deposit, and Christmas club accounts, as well as certificates of deposit. It also provides various loans, including mortgage and consumer loans, home equity lines of credit, and commercial loans and lines of credit.

First Niles Financial, Inc. Fundamentals Summary

How do First Niles Financial's earnings and revenue compare to its market cap?
FNFI fundamental statistics
Market cap	US$9.29m
Earnings (TTM)	US$1.03m
Revenue (TTM)	US$7.72m

9.0x

P/E Ratio

0.6x

P/B Ratio

Is FNFI overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FNFI income statement (TTM)
Revenue	US$7.72m
Cost of Revenue	US$0
Gross Profit	US$7.72m
Other Expenses	US$6.69m
Earnings	US$1.03m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.92
Gross Margin	100.00%
Net Profit Margin	13.31%
Debt/Equity Ratio	355.5%

How did FNFI perform over the long term?

See historical performance and comparison

Dividends

2.9%

Current Dividend Yield

40%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/22 16:38
End of Day Share Price	2024/12/20 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

First Niles Financial, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution