FNFI
First Niles Financial, Inc.
Price Chart
Latest Quote
$7.48
+0.00 (+0.00%)
Current Price
| Previous Close | $7.48 |
| Open | $7.50 |
| Day High | $7.87 |
| Day Low | $7.48 |
| Volume | 8,901 |
Stock Information
| Quarterly Dividend / Yield | $0.24 / 3.21% |
| Shares Outstanding | 1.54M |
| Quarterly Dividend Yield | 3.21% |
| Quarterly Dividend | $0.24 |
| Total Debt | $52.53M |
| Revenue | $8.79M |
| Net Income | $661K |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $11.51M |
| P/E Ratio | 12.47 |
| EPS (TTM) | $0.60 |
| Exchange | OID |
đ Comprehensive Analysis
Company Data
| Sales | $8.79M |
| Income | $661K |
| Book/sh | $11.47 |
Financial Ratios
| EPS Growth TTM | -10.50% |
Returns & Margins
| ROA | 0.42% |
| ROE | 4.19% |
| Operating Margin | 15.05% |
| Profit Margin | 7.52% |
Ownership
| Institutional Ownership | 0.06% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 1.31 |
| P/B | 0.65 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $7.81 |
| SMA50 | $7.79 |
| SMA200 | $7.83 |
| RSI | 34.71 |
| ATR | 0.1742 |
| Volatility | 0.32 |
Performance History
| Week | -2.73% |
| Month | -0.81% |
| Quarter | -3.35% |
| 6 Months | -0.32% |
| YTD | -5.06% |
| Year | -7.14% |
| 3 Years | -4.86% |
| 5 Years | -22.35% |
| 10 Years | +2.94% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $7.48 | 0 |
| 2026-06-17 | $7.48 | 12,300 |
| 2026-06-16 | $7.44 | 2,000 |
| 2026-06-15 | $7.75 | 0 |
| 2026-06-12 | $7.75 | 200 |
| 2026-06-11 | $7.69 | 0 |
| 2026-06-10 | $7.69 | 0 |
| 2026-06-09 | $7.69 | 0 |
| 2026-06-08 | $7.69 | 2,300 |
| 2026-06-05 | $7.54 | 4,700 |
| 2026-06-04 | $7.94 | 0 |
| 2026-06-03 | $7.94 | 1,000 |
| 2026-06-02 | $7.94 | 700 |
| 2026-06-01 | $8.32 | 1,500 |
| 2026-05-29 | $7.99 | 0 |
| 2026-05-28 | $7.99 | 200 |
| 2026-05-27 | $8.19 | 0 |
| 2026-05-26 | $8.19 | 400 |
| 2026-05-22 | $7.89 | 500 |
| 2026-05-21 | $7.64 | 700 |
| 2026-05-20 | $7.54 | 0 |
| 2026-05-19 | $7.54 | 200 |
About First Niles Financial, Inc.
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 company operates in two segments, Community Banking and Mortgage Banking. The company offers personal and business checking and savings accounts, IRAs, money market and direct deposits, certificates of deposit, and Christmas club accounts. It also provides loans, such as 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, and online banking services. First Niles Financial, Inc. was founded in 1897 and is based in Niles, Ohio.
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Income Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $7,999,000 | $6,921,000 | $7,093,000 | $5,659,000 |
| Operating Revenue | $7,999,000 | $6,921,000 | $7,093,000 | $5,659,000 |
| Expenses | ||||
| Interest Expense | $4,061,000 | $3,082,000 | $1,217,000 | $1,093,000 |
| Operating Expense | $6,887,000 | $5,794,000 | $6,635,000 | $4,921,000 |
| Other Operating Expenses | $1,443,000 | $1,300,000 | $1,213,000 | $1,040,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $863,000 | $808,000 | $252,000 | $586,000 |
| Net Interest Income | $2,762,000 | $3,145,000 | $2,957,000 | $2,125,000 |
| Interest Income | $6,823,000 | $6,227,000 | $4,174,000 | $3,218,000 |
| Normalized Income | $863,000 | $808,000 | $252,000 | $586,000 |
| Net Income From Continuing And Discontinued Operation | $863,000 | $808,000 | $252,000 | $586,000 |
| Net Income Common Stockholders | $863,000 | $808,000 | $252,000 | $586,000 |
| Net Income | $863,000 | $808,000 | $252,000 | $586,000 |
| Net Income Including Noncontrolling Interests | $863,000 | $808,000 | $252,000 | $586,000 |
| Net Income Continuous Operations | $863,000 | $808,000 | $252,000 | $586,000 |
| Pretax Income | $1,155,000 | $1,002,000 | $438,000 | $718,000 |
| Per Share | ||||
| Diluted EPS | - | $0.60 | $0.18 | $0.48 |
| Basic EPS | - | $0.60 | $0.18 | $0.48 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $48,000 | $52,000 | $55,000 | $37,000 |
| Diluted NI Availto Com Stockholders | $863,000 | $808,000 | $252,000 | $586,000 |
| Tax Provision | $292,000 | $194,000 | $186,000 | $132,000 |
| Insurance And Claims | $105,000 | $112,000 | $36,000 | $31,000 |
| Rent And Landing Fees | $344,000 | $411,000 | $392,000 | $186,000 |
| Diluted Average Shares | - | $1,333,067 | $1,333,067 | $1,204,683 |
| Basic Average Shares | - | $1,333,067 | $1,333,067 | $1,204,683 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $12,499,000 | $11,993,000 | $11,476,000 | $13,637,000 |
| Total Assets | $156,381,000 | $156,897,000 | $133,890,000 | $124,497,000 |
| Investmentin Financial Assets | $16,395,000 | $17,317,000 | $17,851,000 | $10,757,000 |
| Goodwill And Other Intangible Assets | $1,668,000 | $1,668,000 | $1,668,000 | $1,668,000 |
| Receivables | $613,000 | $619,000 | $438,000 | $275,000 |
| Cash And Cash Equivalents | $9,125,000 | $14,935,000 | $7,571,000 | $27,351,000 |
| Cash Cash Equivalents And Federal Funds Sold | $9,125,000 | $14,935,000 | $7,571,000 | $27,351,000 |
| Debt | ||||
| Net Debt | $47,323,000 | $38,135,000 | $27,521,000 | - |
| Total Debt | $56,448,000 | $53,070,000 | $35,092,000 | $27,216,000 |
| Long Term Debt And Capital Lease Obligation | $56,448,000 | $53,070,000 | $35,092,000 | $27,216,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $142,214,000 | $143,236,000 | $120,746,000 | $109,192,000 |
| Payables | $302,000 | $280,000 | $147,000 | $74,000 |
| Accounts Payable | $302,000 | $280,000 | $147,000 | $74,000 |
| Equity | ||||
| Common Stock Equity | $14,167,000 | $13,661,000 | $13,144,000 | $15,305,000 |
| Total Equity Gross Minority Interest | $14,167,000 | $13,661,000 | $13,144,000 | $15,305,000 |
| Stockholders Equity | $14,167,000 | $13,661,000 | $13,144,000 | $15,305,000 |
| Retained Earnings | $14,136,000 | $13,599,000 | $13,350,000 | $13,424,000 |
| Long Term Equity Investment | $277,000 | $371,000 | $466,000 | $559,000 |
| Other | ||||
| Treasury Shares Number | $611,674 | $611,674 | $611,674 | $391,674 |
| Preferred Shares Number | $29,670 | $29,670 | $29,670 | $29,670 |
| Ordinary Shares Number | $1,113,067 | $1,113,067 | $1,113,067 | $1,333,067 |
| Share Issued | $1,724,741 | $1,724,741 | $1,724,741 | $1,724,741 |
| Tangible Book Value | $12,499,000 | $11,993,000 | $11,476,000 | $13,637,000 |
| Invested Capital | $70,615,000 | $66,731,000 | $48,236,000 | $42,521,000 |
| Total Capitalization | $70,615,000 | $66,731,000 | $48,236,000 | $42,521,000 |
| Treasury Stock | $4,760,000 | $4,760,000 | $4,760,000 | $4,760,000 |
| Additional Paid In Capital | $6,650,000 | $6,650,000 | $6,650,000 | $6,650,000 |
| Capital Stock | $18,000 | $18,000 | $18,000 | $18,000 |
| Common Stock | $18,000 | $18,000 | $18,000 | $18,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $16,672,000 | $17,688,000 | $18,317,000 | $11,316,000 |
| Held To Maturity Securities | $1,250,000 | $1,250,000 | $1,250,000 | $1,250,000 |
| Available For Sale Securities | $15,145,000 | $16,067,000 | $16,601,000 | $9,507,000 |
| Goodwill | $1,668,000 | $1,668,000 | $1,668,000 | $1,668,000 |
| Net PPE | $305,000 | $296,000 | $307,000 | $331,000 |
| Accumulated Depreciation | $-795,000 | $-773,000 | $-731,000 | $-676,000 |
| Gross PPE | $1,100,000 | $1,069,000 | $1,038,000 | $1,007,000 |
| Machinery Furniture Equipment | $334,000 | $326,000 | $318,000 | $290,000 |
| Buildings And Improvements | $734,000 | $711,000 | $688,000 | $685,000 |
| Land And Improvements | $32,000 | $32,000 | $32,000 | $32,000 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $-4,842,000 | $-2,378,000 | $375,000 | $4,555,000 |
| Operating Activities | ||||
| Operating Cash Flow | $-4,785,000 | $-2,337,000 | $406,000 | $4,565,000 |
| Investing Activities | ||||
| Capital Expenditure | $-57,000 | $-41,000 | $-31,000 | $-10,000 |
| Investing Cash Flow | $442,000 | $-12,059,000 | $-30,618,000 | $-1,481,000 |
| Net Other Investing Changes | $-37,000 | $-635,000 | $-303,000 | - |
| Financing Activities | ||||
| Financing Cash Flow | $-1,467,000 | $22,260,000 | $10,435,000 | $767,000 |
| Net Other Financing Charges | $-4,519,000 | $4,608,000 | $1,999,000 | $4,951,000 |
| Cash Dividends Paid | $-326,000 | $-326,000 | $-326,000 | $-299,000 |
| Common Stock Dividend Paid | $-326,000 | $-326,000 | $-326,000 | $-299,000 |
| Repurchase Of Capital Stock | - | - | - | $0 |
| Net Common Stock Issuance | - | - | - | $0 |
| Other | ||||
| Repayment Of Debt | $-4,522,000 | $-5,522,000 | $-8,124,000 | $-16,374,000 |
| Issuance Of Debt | $7,900,000 | $23,500,000 | $16,886,000 | $9,389,000 |
| End Cash Position | $8,778,000 | $14,588,000 | $6,724,000 | $26,501,000 |
| Beginning Cash Position | $14,588,000 | $6,724,000 | $26,501,000 | $22,650,000 |
| Changes In Cash | $-5,810,000 | $7,864,000 | $-19,777,000 | $3,851,000 |
| Net Issuance Payments Of Debt | $3,378,000 | $17,978,000 | $8,762,000 | $-3,885,000 |
| Net Short Term Debt Issuance | $7,900,000 | $0 | $-3,100,000 | $3,100,000 |
| Short Term Debt Issuance | $7,900,000 | $0 | - | - |
| Net Long Term Debt Issuance | $-4,522,000 | $17,978,000 | $11,862,000 | $-6,985,000 |
| Long Term Debt Payments | $-4,522,000 | $-5,522,000 | $-5,024,000 | $-16,374,000 |
| Long Term Debt Issuance | $0 | $23,500,000 | $16,886,000 | $9,389,000 |
| Net Investment Purchase And Sale | $880,000 | $874,000 | $-9,743,000 | $-3,196,000 |
| Sale Of Investment | $880,000 | $874,000 | $3,317,000 | $6,653,000 |
| Net PPE Purchase And Sale | $-57,000 | $-41,000 | $-31,000 | $-10,000 |
| Purchase Of PPE | $-57,000 | $-41,000 | $-31,000 | $-10,000 |
| Change In Working Capital | $375,000 | $73,000 | $-542,000 | $519,000 |
| Change In Payable | $244,000 | $161,000 | $-405,000 | $402,000 |
| Change In Prepaid Assets | $125,000 | $93,000 | $26,000 | $101,000 |
| Change In Receivables | $6,000 | $-181,000 | $-163,000 | $16,000 |
| Other Non Cash Items | $-4,962,000 | $-3,555,000 | $-3,981,000 | $-3,292,000 |
| Deferred Tax | $142,000 | $5,000 | $-92,000 | $-36,000 |
| Depreciation And Amortization | $48,000 | $52,000 | $55,000 | $37,000 |
| Depreciation | $48,000 | $52,000 | $55,000 | $37,000 |
| Net Income From Continuing Operations | $863,000 | $808,000 | $252,000 | $586,000 |
| Short Term Debt Payments | - | $0 | $-3,100,000 | - |
| Purchase Of Investment | - | $0 | $-13,060,000 | $-9,849,000 |
| Net Business Purchase And Sale | - | - | $0 | $1,872,000 |
| Sale Of Business | - | - | $0 | $1,872,000 |
| Gain Loss On Sale Of PPE | - | - | $0 | $19,000 |
| Common Stock Payments | - | - | - | $0 |
Fetched: 2026-02-02