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First Niles Financial, Inc. (FNFI)

USD8.80 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 55 North Main Street 44446
Niles, OH, US
CEO Daniel E. Csontos
IPO 1998-10-27
ISIN US33582N1063

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Description

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.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD8.80 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
901
Beta
0.30
Float Shares
1.03M
Free Float %
92.6%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+3.25% +5.30% -1.24% +1.92% -0.63% -0.63% -4.22% -15.87% -22.82% -9.35% -30.87%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

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By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
8.80
Quality scores
Altman Z-Score
0.20
Distress
Piotroski F-Score
6 / 9
Average
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
2 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    +72.8% Q4'25: +18.0% (vs Q4'24)
  • EPS growth
    +16.9% Q4'25: +112.5% (vs Q4'24)
  • FCF margin
    Q4'25: +0.0% (vs Q4'24)
  • EBIT margin
    Q4'25: +12.2% (vs Q4'24)
  • ROIC
    Q4'25: +2.5% (vs Q4'24)
  • Share dilution
    -16.5% Q4'25: 0.0% (vs Q4'24)
  • Debt / EBITDA
    Q4'25: 23.47× (vs Q4'24)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.33) × ERP
WACC = 15% × Ke + 85% × Kd (9.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 8.80
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-22 B 3/5 3/5 2/5 3/5 1/5 3/5 4/5
2026-05-21 B 3/5 3/5 2/5 3/5 1/5 3/5 4/5
2026-05-19 B 3/5 3/5 2/5 3/5 1/5 3/5 4/5
2026-05-14 B 3/5 3/5 2/5 3/5 1/5 3/5 4/5
2026-05-12 B 3/5 3/5 2/5 3/5 1/5 3/5 4/5
2026-05-11 B 3/5 3/5 2/5 3/5 1/5 3/5 4/5
2026-05-07 C 2/5 3/5 1/5 1/5 1/5 3/5 1/5
2026-05-06 C 2/5 3/5 1/5 1/5 1/5 3/5 1/5
2026-05-05 C 2/5 3/5 1/5 1/5 1/5 3/5 1/5
2026-05-04 C 2/5 3/5 1/5 1/5 1/5 3/5 1/5
2026-04-21 C- 1/5 3/5 1/5 1/5 1/5 2/5 1/5
2026-04-20 C- 1/5 3/5 1/5 1/5 1/5 2/5 1/5
2026-04-17 C- 1/5 3/5 1/5 1/5 1/5 2/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
112.0K
OE per share TTM
0.08
Owner's Yield
1.27%
Maintenance CapEx ratio
9.74%
Maint CapEx / Avg PPE
4.0%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
102.4K
Shares Outstanding
1.11M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Daniel E. Csontos President, Chief Executive Officer & Director male
Mary Ann Coates Chief Financial Officer female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits