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

Company Overview

First Niles Financial, Inc. operates as a holding company for the Home Federal Savings and Loan Association of Niles that provides various banking products and services in Ohio, the United States. The company offers personal and business checking and savings, money market deposit, and Christmas club accounts, as well as certificates of deposit. It also provides various loans, including mortgage and consumer loans, home equity lines of credit, and commercial loans and lines of credit. In addition, the company provides e-statement, and night depository services; debit and ATM cards; safe deposit boxes; direct deposits; I.R.A. certificates of deposit and savings accounts; and online banking services. First Niles Financial, Inc. was founded in 1897 and is based in Niles, Ohio.

Key Stats

• Today's Range: $8.65 to $8.74
• 50-Day Range: $7.44 to $8.99
• 52-Week Range: $7.25 to $9.00
• Volume: 2,032 shs
• Average Volume: 836 shs
• Market Capitalization: $13.32 million
• P/E Ratio: 18.40
• Dividend Yield: 2.77%
• Price Target: N/A
• Consensus Rating: N/A

First Niles Financial Stock Analysis - MarketRank™

First Niles Financial scored higher than 38% 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 18.40, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 45.70.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Niles Financial is 18.40, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.26.

Short Interest

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

Percentage of Shares Shorted

0.03% 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 0.09, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Niles Financial has recently increased by 74.32%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

First Niles Financial pays a meaningful dividend of 2.77%, 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 51.06%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 3.1 / 5
• News Sentiment: N/A

News Sentiment

First Niles Financial has a news sentiment score of 0.98. 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 0.78 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: 4/27/2026
• Today: 7/23/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: FIN - SVGS & LOAN
• Sub-Industry: Banking
• 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): N/A
• Trailing P/E Ratio: 18.40
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: N/A
• Net Margins: N/A
• 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: 0.95
• 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: $13.32 million
• Optionable: Not Optionable
• Beta: 0.29