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First Niles Financial(OTC) FNFI

Market Cap$9.79MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1998)+206%
5 Year-9%
1 Year+8%
1 Month+0%
$8.80
+0.00%
+0.00Today
First Niles Financial last closing stock price
MetricPriceDate
Last closeUSD 8.802026-08-14
First Niles Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+1.73%USD 8.652026-08-07
1 month+0%USD 8.802026-07-13
3 month+17.47%USD 7.492026-05-14
Year to date+11.7%USD 7.882025-12-30
1 year+7.95%USD 8.152025-08-12
3 year-14.93%USD 10.342023-08-07
5 year-9.06%USD 9.682021-08-13
Since inception+206.32%USD 2.871998-10-27

First Niles Financial Financials at a Glance

Market Cap

$9.79MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$12.89M

Net Income (TTM)

$842.00K

EPS (TTM)

$0.67

P/E Ratio

13.17

Dividend

$0.24

Beta (Volatility)

-0.06 (Low)

Price

$8.80

Volume

377

Open

$8.80

Previous Close

$8.80

Daily Range

$8.80 - $8.80

52-Week Range

$7.25 - $9.00

Estimated Earnings Date

May 25, 2026

FNFI News

No articles available.

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About First Niles Financial

First Niles Financial, Inc. is a regional bank holding company based in Niles, Ohio, established in 1897. The company operates through its subsidiary, Home Federal Savings and Loan Association, offering a wide range of banking products and services to both personal and business clients.

Products and Services
  • Personal and business checking and savings accounts
  • Residential mortgages, consumer loans, and home equity lines of credit
  • E-banking services, debit cards, and safe deposit boxes
Growth Outlook
  • Revenue increased to $3.98 million in Q4 2025, up from $3.62 million in Q3 2025
  • Net income rose to $357,000 in Q4 2025, reflecting a positive trend
  • Strong gross profit margin of 71.86% in Q4 2025 indicates operational efficiency
Financial Highlights
  • Trailing twelve-month revenue of $13.9 million demonstrates consistent performance
  • Dividend yield of 2.77% offers attractive returns for investors
  • Price-to-earnings ratio of 11.38 suggests potential value in the current market
First Niles Financial, Inc. has established itself as a reliable player in the regional banking sector, providing essential financial services to its community. The company's recent financial performance indicates a positive trajectory, with increasing revenues and net income. The strong gross profit margin reflects effective cost management and operational efficiency. With a competitive dividend yield, First Niles Financial presents an appealing option for investors seeking stability and growth in the financial services sector.
AI Generated • Jul 25, 2026

Industry

Banks

Sector

Financials

CEO

Daniel E. Csontos, MBA

Website

www.homefedniles.com

Headquarters

Niles, OH 44446-0311, US

FNFI Financials

Key Financial Metrics (TTM)

Gross Margin

73.53%

Operating Margin

8.73%

Net Income Margin

6.53%

Return on Equity

5.17%

Return on Capital

1.70%

Return on Assets

0.54%

Earnings Yield

7.59%

Dividend Yield

2.73%

Payout Ratio

0.00%

Stock Overview

Market Cap

$9.79MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

1.11M

Volume

377

Avg. Volume

880.683

Financials (TTM)

Gross Profit

$9.48M

Operating Income

$1.13M

EBITDA

$1.17M

Operating Cash Flow

$0.00

Capital Expenditure

$0.00

Free Cash Flow

$0.00

Cash & ST Invst.

$10.41M

Total Debt

$49.67M

First Niles Financial Performance Analysis

First Niles Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 8,351,00023.0%
20232023-12-31USD 10,315,00023.5%
20242024-12-31USD 12,495,00021.1%
20252025-12-31USD 14,029,00012.3%
First Niles Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q12025-03-31-41.2%
Q22025-06-3066.7%
Q32025-09-309.6%
Q42025-12-3110.0%
First Niles Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 0.19-61.1%
20232023-12-31USD 0.61220.7%
20242024-12-31USD 0.656.8%
20252025-12-31USD 0.57-11.5%
First Niles Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q12025-03-31-62.5%
Q22025-06-3049.7%
Q32025-09-30200.7%
Q42025-12-3125.9%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q4 2025YOY CHG

Revenue

$3.98M

+18.0%

Gross Profit

$2.86M

+31.7%

Gross Margin

71.86%

N/A

Market Cap

$9.79MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$890.40K

N/A

Employees

11

N/A

Net Income

$357.00K

+101.7%

EBITDA

$529.00K

+108.3%

Quarterly Fundamentals

Name
Q4 2025YOY CHG

Total Cash

$10.41M

N/A

Total Debt

$49.67M

-3.6%

Accounts Receivable

$616.00K

N/A

Inventory

$0.00

N/A

Long Term Debt

$28.98M

-43.8%

Short Term Debt

$20.69M

N/A

Return on Assets

0.54%

N/A

Return on Invested Capital

0.83%

N/A

Free Cash Flow

$0.00

N/A

Operating Cash Flow

$0.00

N/A

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Questions About FNFI

What is the current price of First Niles Financial?

First Niles Financial is trading at $8.80 per share.

What is the 52-week range for First Niles Financial?

Over the past 52 weeks, First Niles Financial has traded between $7.25 and $9.00.

How much debt does First Niles Financial have?

As of the most recent reporting period, First Niles Financial reported total debt of $49.67M.

How much cash does First Niles Financial have on hand?

First Niles Financial does not have cash on hand data available.

What is First Niles Financial’s dividend yield?

First Niles Financial currently has a dividend yield of 2.73%.

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