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First Niles Financial(OTC) FNFI

Market Cap$10.48MMarket 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)+230%
5 Year-10%
1 Year+20%
1 Month+8%
$9.42
+4.67%
+0.42Today
First Niles Financial last closing stock price
MetricPriceDate
Last closeUSD 9.422026-09-14
First Niles Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+5.96%USD 8.892026-08-28
1 month+7.77%USD 8.742026-08-14
3 month+27.47%USD 7.392026-06-16
Year to date+20.38%USD 7.832025-12-30
1 year+20.05%USD 7.852025-09-10
3 year-4.4%USD 9.852023-09-08
5 year-10.16%USD 10.492021-09-15
Since inception+230.12%USD 2.851998-10-27

First Niles Financial Financials at a Glance

Market Cap

$10.48MMarket 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

14.09

Dividend

$0.24

Beta (Volatility)

-0.06 (Low)

Price

$9.42

Volume

100

Open

$9.42

Previous Close

$9.42

Daily Range

$9.42 - $9.42

52-Week Range

$7.25 - $9.59

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.

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 months (TTM) revenue of $13.4 million demonstrates consistent performance
  • Dividend yield of 2.68% offers attractive returns for investors
  • Price-to-earnings (P/E) ratio of 11.78 suggests potential undervaluation
First Niles Financial, Inc. has established itself as a reliable player in the regional banking sector. The company’s diverse product offerings cater to both personal and business clients, enhancing its market presence. Recent financial performance indicates a positive trajectory, with increasing revenue and net income figures. The strong gross profit margin reflects effective cost management and operational efficiency, positioning the company favorably for future growth. The attractive dividend yield and reasonable P/E ratio may appeal to investors seeking income and value opportunities in the financial services sector.
AI Generated • Aug 27, 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

7.10%

Dividend Yield

2.55%

Payout Ratio

0.00%

Stock Overview

Market Cap

$10.48MMarket 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

100

Avg. Volume

860.984

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

$10.48MMarket 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

$953.14K

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 $9.42 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 $9.59.

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 2.55%.

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