First Niles Financial Past Earnings Performance

Past criteria checks 2/6

First Niles Financial has been growing earnings at an average annual rate of 14.8%, while the Banks industry saw earnings growing at 4% annually. Revenues have been growing at an average rate of 16% per year. First Niles Financial's return on equity is 4.9%, and it has net margins of 8.9%.

Key information

14.80%

Earnings growth rate

11.70%

EPS growth rate

Banks Industry Growth	11.18%
Revenue growth rate	16.01%
Return on equity	4.85%
Net Margin	8.89%
Last Earnings Update	31 Dec 2025

Recent past performance updates

No updates

Recent updates

Revenue & Expenses Breakdown

How First Niles Financial makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

OTCPK:FNFI Revenue, expenses and earnings (USD Millions)
Date	Revenue	Earnings	G+A Expenses
31 Dec 25	9	1	0
30 Sep 25	9	1	5
30 Jun 25	9	1	5
31 Mar 25	9	1	5
31 Dec 24	8	1	5
30 Sep 24	8	1	4
30 Jun 24	7	1	4
31 Mar 24	7	1	4
31 Dec 23	7	1	4
31 Dec 22	7	0	5
31 Dec 21	6	1	4
31 Dec 20	2	0	1
31 Dec 19	2	0	1
30 Sep 19	2	0	0
30 Jun 19	2	0	0
31 Mar 19	2	0	0
31 Dec 18	2	0	1
30 Sep 18	2	0	0
30 Jun 18	2	0	0
31 Mar 18	2	0	0
31 Dec 17	2	0	0
30 Sep 17	2	0	0
30 Jun 17	2	0	0
31 Mar 17	2	0	0
31 Dec 16	2	0	0
30 Sep 16	2	0	0
30 Jun 16	2	0	0
31 Mar 16	2	0	0
31 Dec 15	2	0	0
30 Sep 15	2	0	0

Quality Earnings: FNFI has high quality earnings.

Growing Profit Margin: FNFI's current net profit margins (8.9%) are lower than last year (10.7%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: FNFI's earnings have grown by 14.8% per year over the past 5 years.

Accelerating Growth: FNFI's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: FNFI had negative earnings growth (-2.3%) over the past year, making it difficult to compare to the Banks industry average (23.3%).

Return on Equity

High ROE: FNFI's Return on Equity (4.9%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/09/22 18:33
End of Day Share Price	2026/09/16 00:00
Earnings	2025/12/31
Annual Earnings	2025/12/31

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.

Analysis Model and Snowflake

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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 Github.

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.