First Niles Financial, Inc. operates as the holding company for Home Federal Savings and Loan Association of Niles that provides various banking products and services. More Details
Excellent balance sheet with questionable track record.
Share Price & News
How has First Niles Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: FNFI has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: FNFI exceeded the US Mortgage industry which returned -22.9% over the past year.
Return vs Market: FNFI exceeded the US Market which returned 12.9% over the past year.
Price Volatility Vs. Market
How volatile is First Niles Financial's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is First Niles Financial undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate FNFI's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate FNFI's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: FNFI is poor value based on its PE Ratio (43.9x) compared to the US Mortgage industry average (11.1x).
PE vs Market: FNFI is poor value based on its PE Ratio (43.9x) compared to the US market (18.2x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate FNFI's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: FNFI is overvalued based on its PB Ratio (0.9x) compared to the US Mortgage industry average (0.8x).
How is First Niles Financial forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as First Niles Financial has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Examine First Niles Financial's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
- While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on theOTC Markets Website. If you are looking for more of a qualitative research into the company, you can access First Niles Financial's filings and announcementshere.
- Explore growth companies in the Banks industry.
How has First Niles Financial performed over the past 5 years?
Last years earnings growth
Earnings and Revenue History
Quality Earnings: FNFI has high quality earnings.
Growing Profit Margin: FNFI's current net profit margins (13.5%) are higher than last year (13.4%).
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if FNFI's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: Insufficient data to compare FNFI's past year earnings growth to its 5-year average.
Earnings vs Industry: FNFI earnings growth over the past year (2.5%) underperformed the Mortgage industry 6.9%.
Return on Equity
High ROE: FNFI's Return on Equity (2.3%) is considered low.
How is First Niles Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: FNFI's Assets to Equity ratio (7.4x) is low.
Allowance for Bad Loans: FNFI has a low allowance for bad loans (65%).
Low Risk Liabilities: 71% of FNFI's liabilities are made up of primarily low risk sources of funding.
Loan Level: FNFI has an appropriate level of Loans to Assets ratio (52%).
Low Risk Deposits: FNFI's Loans to Deposits ratio (85%) is appropriate.
Level of Bad Loans: FNFI has an appropriate level of bad loans (1.2%).
What is First Niles Financial current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: FNFI's dividend (1.83%) is higher than the bottom 25% of dividend payers in the US market (1.66%).
High Dividend: FNFI's dividend (1.83%) is low compared to the top 25% of dividend payers in the US market (4.7%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, FNFI has been paying a dividend for less than 10 years.
Growing Dividend: FNFI has only been paying a dividend for 2 years, and since then payments have not increased.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Dan Csontos (57 yo)
Mr. Daniel E. Csontos, also known as Don, has been the Chief Executive Officer and President of First Niles Financial Inc. and Home Federal Savings & Loan Association of Niles since December 1, 2016. Mr. C ...
|President||3.75yrs||no data||no data|
|Chairman of the Board||13.42yrs||no data||no data|
|Director||18.67yrs||no data||no data|
|Director||14.67yrs||no data||no data|
|Director||4.67yrs||no data||no data|
Experienced Board: FNFI's board of directors are seasoned and experienced ( 14.4 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
First Niles Financial, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: First Niles Financial, Inc.
- Ticker: FNFI
- Exchange: OTCPK
- Founded: 1897
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Market Cap: US$12.256m
- Shares outstanding: 1.12m
- Website: https://www.homefedniles.com
- First Niles Financial, Inc.
- 55 North Main Street
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|FNFI||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||Oct 1998|
First Niles Financial, Inc. operates as the holding company for Home Federal Savings and Loan Association of Niles that provides various banking products and services. It accepts checking and savings accou ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/09/22 05:34|
|End of Day Share Price||2020/09/10 00:00|
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.