First National Financial (FNLIF) Stock Price, News & Analysis

Company Overview

First National Financial Corporation is a Canadian non-bank mortgage lender that originates and services residential and commercial mortgages across the country. Headquartered in Toronto, the company works with a network of mortgage brokers, builders and institutional clients to deliver financing solutions for single-family homes, multi-unit residential properties and income-producing commercial real estate. First National offers both insured and uninsured mortgage products, providing borrowers with fixed- and variable-rate options and terms ranging from short- to long-duration programs.

In addition to mortgage origination, First National provides a range of ancillary services including portfolio management, loan underwriting and securitization. The company aggregates mortgages and arranges funding through the Canada Mortgage Bond market, institutional investors and processes executed on its in-house servicing platform. Its servicing division is responsible for collections, customer support and administrative management of loans held on its balance sheet or under third-party mandates.

First National has invested in proprietary technology to streamline application processing, credit adjudication and digital client interfaces. This platform supports real-time credit decisions, loan tracking and reporting for brokers, borrowers and institutional partners. By combining automated workflows with in-house underwriting expertise, the company aims to maintain credit quality while accelerating turnaround times for new and renewed mortgage commitments.

Founded in 1988, First National Financial Corporation has grown from a regional lender into one of Canada’s largest independent mortgage originators and servicers. The company’s management team is led by its long-standing Chief Executive Officer, Stephen C. Smith, under whose leadership it has expanded its geographic footprint to serve all provinces. First National continues to focus on product innovation, risk management and broker relationships to support sustained growth in Canada’s mortgage market.

Key Stats

• Today's Range: $34.69 to $34.69
• 50-Day Range: $27.33 to $35.03
• 52-Week Range: $25.00 to $35.53
• Volume: 600 shs
• Average Volume: 4,713 shs
• Market Capitalization: N/A
• P/E Ratio: 16.56
• Dividend Yield: 4.20%
• Price Target: N/A
• Consensus Rating: Hold

First National Financial Stock Analysis - MarketRank™

First National Financial scored higher than 10% 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 National 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 National Financial is 16.56, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.42.

Price to Earnings Ratio vs. Sector

The P/E ratio of First National Financial is 16.56, which means that it is trading at a less expensive P/E ratio than the Financial Services sector average P/E ratio of about 1,776.47.

Short Interest

• Score: 0.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

Short Interest Ratio / Days to Cover

First National Financial has a short interest ratio ("days to cover") of 704, which indicates bearish sentiment.

Change versus previous month

Short interest in First National Financial has recently increased by 21.59%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

First National Financial is a leading dividend payer. It pays a dividend yield of 6.57%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

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

Dividend Coverage

The dividend payout ratio of First National Financial is 69.63%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

Short Interest Ratio / Days to Cover

First National Financial has a short interest ratio ("days to cover") of 704, which indicates bearish sentiment.

Change versus previous month

Short interest in First National Financial has recently increased by 21.59%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 1.8 / 5
• News Sentiment: N/A

News Sentiment

First National Financial has a news sentiment score of 0.17. 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 lower news sentiment than the 0.81 average news sentiment score of Financial Services companies.

News Coverage This Week

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

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

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

Percentage Held by Institutions

Only 4.06% of the stock of First National Financial is held by institutions.

FNLIF Stock Analysis - Frequently Asked Questions

How have FNLIF shares performed this year?

First National Financial's stock was trading at $28.0225 at the beginning of 2025. Since then, FNLIF shares have increased by 23.8% and is now trading at $34.69.

How do I buy shares of First National Financial?

Shares of FNLIF stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

Company Calendar

• Today: 9/12/2025
• Next Earnings (Estimated): 10/28/2025

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Financial Services
• Industry: Mortgage Finance
• Sub-Industry: Banking
• Current Symbol: OTCMKTS:FNLIF
• CIK: N/A
• Web: www.firstnational.ca
• Phone: (416) 593-1100
• Fax: N/A
• Employees: 1,659
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): N/A
• Trailing P/E Ratio: 16.56
• 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: N/A
• Price / Sales: N/A
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: N/A
• Free Float: N/A
• Market Cap: N/A
• Optionable: Not Optionable
• Beta: N/A