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 in Niles, Ohio.
Excellent balance sheet with moderate growth potential.
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
7 Day Return
1 Year Return
Return vs Industry: Insufficient data to determine how FNFI performed against the US Mortgage industry.
Return vs Market: Insufficient data to determine how FNFI performed against the US Market.
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 (31.3x) compared to the Mortgage industry average (14.2x).
PE vs Market: FNFI is poor value based on its PE Ratio (31.3x) compared to the US market (17.7x).
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 good value based on its PB Ratio (0.7x) compared to the US Mortgage industry average (1.1x).
How is First Niles Financial forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: FNFI's forecast earnings growth (26.6% per year) is above the savings rate (2.7%).
Earnings vs Market: FNFI's earnings (26.6% per year) are forecast to grow faster than the US market (14.6% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: Insufficient data to determine if FNFI's revenue is forecast to grow faster than the US market.
High Growth Revenue: Insufficient data to determine if FNFI's revenue is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if FNFI's Return on Equity is forecast to be high in 3 years time
How has First Niles Financial performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Earnings Trend: FNFI's earnings have grown by 12.5% per year over the past 5 years.
Accelerating Growth: FNFI's earnings growth over the past year (2.5%) is below its 5-year average (12.5% per year).
Earnings vs Industry: FNFI earnings growth over the past year (2.5%) underperformed the Mortgage industry 31.5%.
Return on Equity
High ROE: FNFI's Return on Equity (2.3%) is considered low.
Return on Assets
ROA vs Industry: FNFI's Return on Assets is below or equal to the Mortgage industry average last year.
Return on Capital Employed
ROCE Improving: Insufficient data to calculate FNFI's Return on Capital Employed to determine if it has improved over the past 3 years.
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
Inventory Level: FNFI has a low level of unsold assets or inventory.
Debt Coverage by Assets: Insufficient data to determine if FNFI's debt is covered by short term assets.
Financial Institutions Analysis
Asset Level: FNFI's level of assets compared to its equity is low.
Allowance for Bad Loans: FNFI has a low allowance for bad loans.
Low Risk Liabilities: FNFI's liabilities are made up of primarily low risk sources of funding.
Loan Level: FNFI has an acceptable proportion of non-loan assets held.
Low Risk Deposits: FNFI's loans are broadly funded by customer deposits.
Level of Bad Loans: FNFI has an appropriate level of bad loans (1.24%)
What is First Niles Financial's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Stability and Growth of Payments
Notable Dividend: FNFI's dividend (2.57%) is higher than the bottom 25% of dividend payers in the US market (1.45%).
High Dividend: FNFI's dividend (2.57%) is low compared to the top 25% of dividend payers in the US market (3.73%).
Stable Dividend: Too early to tell whether FNFI's dividend payments have been stable as they only just started paying a dividend.
Growing Dividend: Too early to tell if FNFI's dividend payments are increasing as they only just started paying a dividend.
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.
What is the CEO of First Niles Financial's salary, the management and board of directors tenure and is there insider trading?
Average board tenure
Dan Csontos (56yo)
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 ...
Board Age and Tenure
Experienced Board: FNFI's board of directors are seasoned and experienced ( 13.5 years average tenure).
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Principal Accounting Officer and Controller
- Tenure: 0yrs
Dan Csontos (56yo)
- Tenure: 2.8yrs
Chief Financial Officer
- Tenure: 2.8yrs
P. Kramer (63yo)
Chairman of the Board
- Tenure: 12.5yrs
William Eddy (63yo)
- Tenure: 17.8yrs
Dan Csontos (56yo)
- Tenure: 2.8yrs
Robert Shaker (56yo)
- Tenure: 13.8yrs
Lance Osborne (39yo)
- Tenure: 3.8yrs
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$8.649m
- Shares outstanding: 1.11m
- Website: https://www.homefedniles.com
- First Niles Financial, Inc.
- 55 North Main Street
- PO Box 311
- 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 in Niles, Ohio. The company offers che ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2019/10/20 23:37|
|End of Day Share Price||2019/10/17 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.