First Niles Financial (FNFI) Stock Price, News & Analysis

Company Overview

First Niles Financial, Inc. is a savings and loan holding company headquartered in Ohio. Through its subsidiary, Home Federal Savings and Loan Association of Niles, the company provides retail and commercial banking services to individuals, families and businesses.

Home Federal offers deposit products such as checking and savings accounts, money market accounts, certificates of deposit and individual retirement accounts. Its lending activities include residential mortgages, home equity loans, commercial real estate and business loans, construction financing and consumer loans.

The company primarily serves communities in northeastern Ohio, including the Niles, Warren and surrounding Mahoning and Trumbull County areas. First Niles Financial’s shares trade on the over-the-counter market under the symbol FNFI.

Key Stats

• Today's Range: $9.53 to $9.53
• 50-Day Range: $8.90 to $10.00
• 52-Week Range: $7.25 to $10.00
• Volume: 500 shs
• Average Volume: 6,719 shs
• Market Capitalization: $14.67 million
• P/E Ratio: 10.95
• Dividend Yield: 2.52%
• Price Target: N/A
• Consensus Rating: N/A

First Niles Financial Stock Analysis - MarketRank™

First Niles Financial scored higher than 40% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for First Niles Financial.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of First Niles Financial is 10.95, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.54.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Niles Financial is 10.95, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.27.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.02% of the float of First Niles Financial has been sold short.

Short Interest Ratio / Days to Cover

First Niles Financial has a short interest ratio ("days to cover") of 0.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

First Niles Financial pays a meaningful dividend of 2.40%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

First Niles Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of First Niles Financial is 38.10%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 3.4 / 5
• News Sentiment: N/A

News Sentiment

First Niles Financial has a news sentiment score of 1.38. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.59 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for First Niles Financial this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, First Niles Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

23.40% of the stock of First Niles Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

First Niles Financial has minimal institutional ownership at this time.

Company Calendar

• Last Earnings: 11/03/2026
• Today: 11/05/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: OTCMKTS:FNFI
• CIK: 1065823
• Web: www.homefedniles.com
• Phone: (330) 652-2539
• Fax: N/A
• Employees: 11
• Year Founded: 1834

Profitability

• EPS (Trailing Twelve Months): $0.63
• Trailing P/E Ratio: 10.95
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $840 thousand
• Net Margins: 7.92%
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $14.03 million
• Price / Sales: 1.05
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 1,540,000
• Free Float: 1,179,000
• Market Cap: $14.67 million
• Optionable: Not Optionable
• Beta: 0.35