What is First Niles Financial, Inc. (FNFI) stock price today?

First Niles Financial, Inc. (FNFI) is currently trading at $8.65, down 1.7% today.

What is FNFI P/E ratio?

First Niles Financial, Inc.'s P/E ratio is 11.38. This is below the market average, suggesting the stock may be undervalued relative to earnings.

What is FNFI return on equity (ROE)?

First Niles Financial, Inc.'s return on equity (ROE) is 5.17%, indicating how efficiently the company generates profit from shareholders' equity. This is below the typical market average of 12-15%.

What is First Niles Financial, Inc.'s market cap?

First Niles Financial, Inc. has a market capitalization of $9.63M.

OTC · Banks - Regional

First Niles Financial, Inc. (FNFI) Stock

$8.65 -1.70% OTC: FNFI Financial Services

As the holding company for Home Federal Savings and Loan Association of Niles, First Niles Financial, Inc. delivers a comprehensive suite of banking products and services.

Valuation

Metric	Value
Price	$8.65
Market Cap	$9.63M
P/E Ratio	11.38
P/B Ratio	0.55
P/S Ratio	0.75
EPS (TTM)	$0.76
52-Week High	$9.00
52-Week Low	$7.25
Dividend Yield	2.77%

Financials & Margins

Metric	Value
ROE	5.17%
ROA	0.54%
ROCE	0.83%
Gross Margin	73.53%
Operating Margin	8.73%
Net Margin	6.53%
Debt/Equity	2.86
Current Ratio	0.53

Annual Financials (USD)

Metric	2021	2022	2023	2024	2025
Revenue	$7.0M	$8.0M	$10.0M	$8.0M	$14.0M
Operating Profit	$1.0M	$0	$1.0M	$1.0M	$1.0M
Net Profit	$1.0M	$0	$1.0M	$1.0M	$1.0M
EPS	$0.49	$0.19	$0.61	$0.65	$0.76
Op Margin	10.6%	5.3%	10.0%	13.9%	8.2%

Balance Sheet (USD)

Metric	2021	2022	2023	2024	2025
Total Assets	$124.0M	$134.0M	$157.0M	$156.0M	$157.0M
Total Liabilities	$109.0M	$121.0M	$143.0M	$142.0M	$139.0M
Cash	$27.0M	$8.0M	$15.0M	$9.0M	$11.0M
Borrowings	$27.0M	$35.0M	$53.0M	$56.0M	$49.0M

Cash Flow (USD)

Metric	2021	2022	2023	2024	2025
Operating Cash Flow	$5.0M	$0	$-2.0M	$-5.0M	$-2.0M
Investing Cash Flow	$-1.0M	$-31.0M	$-12.0M	$0	$5.0M
Financing Cash Flow	$5.0M	$2.0M	$5.0M	$-5.0M	$5.0M
Net Cash Flow	$4.0M	$-20.0M	$8.0M	$-6.0M	$2.0M
Free Cash Flow	$5.0M	$0	$-2.0M	$-5.0M	$-2.0M

Valuation & Return Ratios

Metric	Value
PEG Ratio	-8.77
EV / EBITDA	—
FCF Yield	—
Quick Ratio	—
Interest Coverage	—
Return 1Y	6.11%
Return 3Y	-16.46%
Return 5Y	-4.07%

Ownership

Insiders Held0.00%

Institutions Held0.06%

Institutions Float Held0.06%

Institutional Holder	Shares	Report Date
Ancora Advisors, LLC	950	2026-03-31

Peer Comparison

Ticker	Price	Change	P/E	Market Cap	Div Yield
ASCNAbsecon Bancorp	$121.00	+0.00%	0.00	$13.25M	3.38%
CABBCalifornia Business Bank	$0.01	+0.00%	—	$7.64M	0.00%
FCPBFirst Capital Bancshares, Inc.	$13.10	+0.00%	14.60	$7.39M	0.00%
FPBCFirst Pacific Bancorp	$7.74	+0.00%	16.47	$15.01M	0.00%
FSGB1st Federal Savings Bank of SC, Inc.	$10.38	+0.00%	0.00	$10.51M	0.00%

About First Niles Financial, Inc.

As the holding company for Home Federal Savings and Loan Association of Niles, First Niles Financial, Inc. delivers a comprehensive suite of banking products and services. Its offerings encompass personal and business checking and savings accounts, along with certificates of deposit. The company also provides various lending options, including residential mortgages, consumer loans, home equity lines of credit, and both commercial loans and lines of credit. Additional conveniences such as e-banking, night depository services, debit cards, and safe deposit boxes are also available. The firm, established in Niles, Ohio, began its operations in 1897.

First Niles Financial, Inc. is headquartered in US.

First Niles Financial, Inc. (FNFI) stock trades at $8.65 with a market capitalization of $9.63M. The stock is valued at a price-to-earnings (P/E) ratio of 11.38, price-to-book of 0.55, price-to-sales of 0.75. Over the past 52 weeks the stock has ranged between $7.25 and $9.00, and currently trades 3.9% below its 52-week high. It pays a dividend yielding 2.77%.

On profitability, First Niles Financial, Inc. generates a return on equity (ROE) of 5.17%, return on capital employed of 0.83%, an operating margin of 8.73%, a net profit margin of 6.53%.

Official website: www.homefedniles.com