First Niles Financial (FNFI) Stock Price

First Niles Financial Price

OTC·CLOSED
8.65USD+0.00 (+0.00 %)
Market closed

Over the last 29 years First Niles Financial grew revenue by 4.3% annually, reaching 8.00 M USD. Earnings per share have grown at 1.5% per year over the last 29 years. For First Niles Financial, the net margin of 10.8% is down versus 11.8% a few years ago. At today's price the dividend yield works out to roughly 2.77%. The payout ratio is around 37% of earnings. The stock trades about 19% above its 52-week low.

First Niles Financial stock price

Volume
Ex-Dividend
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of First Niles Financial over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how First Niles Financial stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing First Niles Financial's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

First Niles Financial Stock Price History
DateFirst Niles Financial Price
7/23/20268.65 USD
7/22/20268.65 USD
7/21/20268.80 USD
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8/26/20258.74 USD
Access this data via the Eulerpool API

First Niles Financial Revenue, Pre-Provision Profit, Net Income

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  • Max

Revenue
Pre-Provision Profit
Net Income
Details
Date
Revenue
Pre-Provision Profit
Net Income
Jan 1, 2003
3.32 M USD
1.51 M USD
1.06 M USD
Jan 1, 2004
3.24 M USD
1.49 M USD
1.03 M USD
Jan 1, 2005
3.30 M USD
1.49 M USD
1.05 M USD
Jan 1, 2020
2.55 M USD
510,000.00 USD
300,000.00 USD
Jan 1, 2021
5.66 M USD
740,000.00 USD
590,000.00 USD
Jan 1, 2022
7.09 M USD
450,000.00 USD
250,000.00 USD
Jan 1, 2023
6.92 M USD
1.13 M USD
810,000.00 USD
Jan 1, 2024
8.00 M USD
1.11 M USD
860,000.00 USD

First Niles Financial Income Statement, Balance Sheet, Cash Flow Statement

Last updated Jul 28, 2026, 11:49 AM
 
REVENUEM USD
REVENUE GROWTH%
Net Interest IncomeM USD
Non-Interest IncomeM USD
Loan Loss Provisionsk USD
Pre-Provision Profit (PPOP)M USD
NET INCOMEk USD
DIV.USD
DIV. GROWTH%
SHARESM
1995199619971998199920002001200220032004200520202021202220232024
4.004.005.005.005.005.006.005.005.005.005.003.006.008.0010.0012.00
25.0020.00-16.67-40.00100.0033.3325.0020.00
2.362.382.532.793.433.193.023.163.102.912.722.242.153.013.323.00
0.030.020.030.490.150.060.320.220.220.330.580.313.514.083.615.00
60.0040.00700.00-100.0070.0030.00120.0080.00150.0020.0020.00125.00-43.00
1.180.651.180.991.491.131.261.471.511.491.490.510.740.451.131.11
1,000.001,000.001,000.001,000.00
6.370.410.460.530.570.610.640.240.240.240.240.24
-93.5612.2015.227.557.024.92-62.50
1.751.751.751.751.601.501.431.401.341.321.331.111.201.331.331.33
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales First Niles Financial generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue First Niles Financial retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare First Niles Financial's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares First Niles Financial has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against First Niles Financial's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

First Niles Financial stock margins

The First Niles Financial margin analysis displays the gross margin, EBIT margin, as well as the profit margin of First Niles Financial. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for First Niles Financial.
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Cost-Income Ratio
Profit margin
Details
Date
Cost-Income Ratio
Profit margin
Jan 1, 2003
54.52 %
31.93 %
Jan 1, 2004
54.01 %
31.79 %
Jan 1, 2005
54.85 %
31.82 %
Jan 1, 2020
80.00 %
11.76 %
Jan 1, 2021
86.93 %
10.42 %
Jan 1, 2022
93.65 %
3.53 %
Jan 1, 2023
83.72 %
11.70 %
Jan 1, 2024
86.10 %
10.75 %

First Niles Financial Revenue per Share, Earnings per Share

The First Niles Financial earnings per share therefore indicates how much revenue First Niles Financial has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
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Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2003
2.48 USD
0.79 USD
Jan 1, 2004
2.45 USD
0.78 USD
Jan 1, 2005
2.48 USD
0.79 USD
Jan 1, 2020
2.30 USD
0.27 USD
Jan 1, 2021
4.72 USD
0.49 USD
Jan 1, 2022
5.33 USD
0.19 USD
Jan 1, 2023
5.20 USD
0.61 USD
Jan 1, 2024
6.01 USD
0.65 USD

First Niles Financial business model & stock analysis

First Niles Financial Inc. is an American financial services company based in Niles, Ohio. Founded in 1979, it has become a significant part of the financial industry in the region. The mission of First Niles Financial is to provide its customers with high-quality financial services tailored to the needs and desires of each individual customer. Ethical principles and customer satisfaction are at the core. First Niles Financial's business model includes various business areas. On the one hand, the company offers traditional banking services such as savings accounts and loans. But it also offers insurance and investment services for private and business customers. The banking sector is an important part of First Niles Financial. Here, customers can open checking and savings accounts and take out loans for various purposes, such as buying a car or acquiring a property. In addition, the company also offers financial planning services to help customers effectively and long-term plan their finances. Another important part of the company is the insurance sector. First Niles Financial offers various insurance options, including auto insurance, health insurance, and life insurance. Customers can also access customized insurance offers to meet their specific needs. In the investment sector, First Niles Financial offers various investment options, including stocks, bonds, and investment funds. A wide range of investment opportunities is available to help customers achieve their financial goals. A special offering from First Niles Financial is loans for small businesses. This special credit program is tailored to the needs of small and medium-sized businesses and offers flexible credit terms to help businesses expand and/or modernize. In the past, First Niles Financial has also offered innovative products that set it apart from conventional banking institutions. An example of this is the "Cash Management System" that helps customers manage liquidity in their businesses and optimize their finances. First Niles Financial has also built a reputation as a responsible company. The company is involved in many charitable projects and supports the communities in which it operates. For example, the company has supported the rebuilding of schools and hospitals in crisis areas. Overall, First Niles Financial has become a significant part of the financial industry both in the region and in the country. With the aim of providing high-quality financial services tailored to the needs of each individual customer, the company has earned a good reputation.

First Niles Financial SWOT Analysis

Strengths

First Niles Financial Inc has a strong market presence and brand recognition.

The company has a diversified product portfolio, offering a wide range of financial services.

First Niles Financial Inc boasts a highly skilled and experienced management team.

Weaknesses

First Niles Financial Inc's excessive reliance on a specific customer segment poses a potential risk.

The company lacks international presence, limiting its growth opportunities.

First Niles Financial Inc's technology infrastructure requires modernization.

Opportunities

First Niles Financial Inc can expand its customer base by targeting underserved market segments.

The company can explore strategic partnerships or acquisitions to enter new markets.

First Niles Financial Inc can leverage advancements in financial technology to enhance its services.

Threats

Intense competition in the financial industry poses a threat to First Niles Financial Inc's market position.

Regulatory changes and compliance requirements can impact the company's operations.

Economic downturns or financial crises can negatively affect First Niles Financial Inc's business performance.

First Niles Financial Eulerpool Fair Value

Details

Fair Value Estimate

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

First Niles Financial historical P/E ratio, EBIT multiple, and P/S ratio

First Niles Financial annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

First Niles Financial shares outstanding

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Number of stocks
Details
Date
Number of stocks
Jan 1, 2003
1.34 M Stocks
Jan 1, 2004
1.32 M Stocks
Jan 1, 2005
1.33 M Stocks
Jan 1, 2020
1.11 M Stocks
Jan 1, 2021
1.20 M Stocks
Jan 1, 2022
1.33 M Stocks
Jan 1, 2023
1.33 M Stocks
Jan 1, 2024
1.33 M Stocks

First Niles Financial Dividend History

28 years of dividend payments

YearAnnual DividendYoY ChangePayments
20260.06USDYTD
Mar 6, 20260.06USD 0.0%1/1
20250.24USD 0.0%
Mar 7, 20250.06USD 0.0%1/4
Jun 6, 20250.06USD 0.0%2/4
Sep 5, 20250.06USD 0.0%3/4
Dec 5, 20250.06USD 0.0%4/4
20240.24USD 0.0%
20230.24USD 0.0%
20220.24USD 0.0%
20210.24USD 0.0%
20200.24USD 14.3%
20190.21USD 5.0%
20180.20USD 25.0%
20170.16USD 33.3%

First Niles Financial dividend payout ratio

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Payout ratio
Details
Date
Payout ratio
Jan 1, 2003
72.15 %
Jan 1, 2004
78.21 %
Jan 1, 2005
81.01 %
Jan 1, 2020
88.89 %
Jan 1, 2021
48.98 %
Jan 1, 2022
126.32 %
Jan 1, 2023
39.34 %
Jan 1, 2024
36.92 %
Price targets and forecasts for First Niles Financial are not yet available.

First Niles Financial shareholder structure

% Name
0.07143%
Ancora Advisors, L.L.C.
Ancora Advisors, L.L.C.

First Niles Financial Executives and Management Board

WS

William Stephens

Chairman of the Board, President, Chief Executive Officer of Company and Home Federal · since 1969

Compensation190,708.00 USD
LS

Lawrence Safarek

(59)

Vice President, Treasurer,and Director of Company and Home Federal

Compensation128,573.00 USD
DC

Daniel Csontos

(46)

Corporate Secretary and Director · since 2003

WE

William Eddy

(53)

Director

PK

P. James Kramer

(52)

Director

Frequently asked questions about First Niles Financial

The business model of First Niles Financial Inc is centered around financial services. They offer a range of products and solutions to meet the banking and investment needs of their clients. First Niles Financial Inc aims to provide personalized financial advice and support to individuals and businesses, covering areas such as savings accounts, loans, mortgages, and investment opportunities. With a strong focus on customer satisfaction and financial expertise, First Niles Financial Inc strives to empower their clients in achieving their financial goals.