First Niles Financial, Inc. (FNFI)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
First Niles Financial, Inc. (FNFI) trades at $8.50 with AI Score 44/100 (Grade C). First Niles Financial, Inc. , established in 1897, operates as the holding company for Home Federal Savings and Loan Association of Niles. Market cap: $9.46M, Sector: Financial services.
Price live · AI analysis from Mar 17, 2026Analyst Coverage for FNFI: FNFI does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FNFI against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
FNFI: the 1 perspectives are evenly split.
How is this calculated? →First Niles Financial, Inc. (FNFI) Financial Services Profile
First Niles Financial, Inc., operating through Home Federal Savings and Loan Association, provides banking products and services in Niles, Ohio. With a market capitalization of $9.46M and a P/E ratio of 11.8, the company focuses on traditional banking services, including deposit accounts and loan offerings, within the regional banking sector.
What Is the Investment Thesis for FNFI?
First Niles Financial, Inc. presents a stable, albeit modest, investment profile within the regional banking sector. The company's dividend yield of 3.02% may attract income-focused investors. With a P/E ratio of 11.8 and a profit margin of 5.4%, the company demonstrates consistent profitability. The company's low beta of 0.29 suggests lower volatility compared to the broader market. Growth catalysts include potential expansion of its commercial lending portfolio and increased adoption of e-banking services. However, potential risks include the impact of interest rate fluctuations on its loan portfolio and increased competition from larger regional banks. Investors should carefully consider the company's OTC market listing and the associated liquidity and disclosure challenges. The company's long-term success depends on its ability to maintain its community focus while adapting to evolving customer preferences and technological advancements.
Based on FMP financials and quantitative analysis
FNFI Key Highlights
- Market capitalization of $9.46M indicates a small-cap company.
- P/E ratio of 11.8 suggests a potentially undervalued stock compared to the industry average.
- Dividend yield of 3.02% offers an attractive income stream for investors.
- Profit margin of 5.4% reflects consistent profitability within the regional banking sector.
- Beta of 0.29 indicates lower volatility compared to the broader market, potentially appealing to risk-averse investors.
Who Are FNFI's Competitors?
FNFI is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| ASCN Absecon Bancorp | $116.00 | +0.00% | $12.70M | 52 |
| FCPB First Capital Bancshares, Inc. | $12.85 | +0.00% | $7.25M | 44 |
| FPBC First Pacific Bancorp | $7.28 | +0.00% | $14.12M | 49 |
| FSGB 1st Federal Savings Bank of SC, Inc. | $9.70 | +0.00% | $9.82M | 48 |
| MCHB Mechanics Bank | $16.16 | -1.22% | $3.56B | 71 |
| STLE Steele Bancorp Inc. | $43.34 | +0.00% | $80.55M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.54 | -0.72% | $8.38B | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FNFI's Key Strengths?
- Long-standing presence in the Niles, Ohio community.
- Strong relationships with local customers.
- Personalized service and tailored financial solutions.
- Low beta indicates lower volatility.
What Are FNFI's Weaknesses?
- Small market capitalization limits access to capital.
- Limited geographic reach.
- Dependence on the local economy.
- OTC market listing poses liquidity challenges.
What Could Drive FNFI Stock Higher?
- Potential expansion of commercial lending portfolio in the next 2-3 years.
- Increased adoption of e-banking services driving efficiency and customer reach.
- Strategic partnerships with local businesses enhancing market penetration.
What Are the Key Risks for FNFI?
- Financial-distress signal — its Altman Z-Score of 0.21 sits in the distress zone (elevated bankruptcy risk).
- Competition from larger regional banks impacting market share.
- Impact of interest rate fluctuations on loan portfolio profitability.
- Regulatory changes and compliance costs increasing operational expenses.
- Limited liquidity due to OTC market listing affecting trading efficiency.
- Economic downturn in the local economy impacting loan performance.
What Are the Growth Opportunities for FNFI?
- Expansion of Commercial Lending Portfolio: First Niles Financial, Inc. has the opportunity to grow its commercial lending portfolio by targeting small and medium-sized businesses in the Niles, Ohio region. The market for commercial loans is estimated to be $500 million in the region, with a potential growth rate of 5% annually. By offering competitive rates and personalized service, the company can attract new commercial clients and increase its loan volume. Timeline: 2-3 years.
- Increased Adoption of E-Banking Services: The company can drive growth by increasing the adoption of its e-banking services among its customer base. The market for online and mobile banking is growing rapidly, with an estimated penetration rate of 70% in the region. By enhancing its e-banking platform and promoting its convenience and security, the company can attract new customers and reduce its operating costs. Timeline: 1-2 years.
- Strategic Partnerships with Local Businesses: First Niles Financial, Inc. can form strategic partnerships with local businesses to offer bundled financial services to their employees and customers. This can include offering preferred rates on loans and deposit accounts, as well as providing financial education and counseling services. By leveraging its local presence and community relationships, the company can expand its customer base and generate new revenue streams. Timeline: 2-3 years.
- Development of Specialized Loan Products: The company can develop specialized loan products tailored to the specific needs of its local market. This can include loans for renewable energy projects, loans for small farms, or loans for affordable housing. By offering these specialized loan products, the company can differentiate itself from its competitors and attract new customers who are underserved by traditional banks. Timeline: 2-3 years.
- Acquisition of Smaller Community Banks: First Niles Financial, Inc. can pursue strategic acquisitions of smaller community banks in the region to expand its market share and geographic reach. The market for community bank acquisitions is active, with many smaller banks seeking to merge with larger institutions to gain scale and efficiency. By acquiring these smaller banks, the company can increase its asset base and customer base, as well as realize cost synergies. Timeline: 3-5 years.
What Opportunities Does FNFI Have?
- Expansion of commercial lending portfolio.
- Increased adoption of e-banking services.
- Strategic partnerships with local businesses.
- Development of specialized loan products.
What Threats Does FNFI Face?
- Competition from larger regional banks.
- Impact of interest rate fluctuations.
- Regulatory changes and compliance costs.
- Economic downturn in the local economy.
What Are FNFI's Competitive Advantages?
- Long-standing presence in the Niles, Ohio community.
- Strong relationships with local customers.
- Personalized service and tailored financial solutions.
- Local market expertise.
What Does FNFI Do?
First Niles Financial, Inc. was founded in 1897 and serves as the holding company for Home Federal Savings and Loan Association of Niles. Based in Niles, Ohio, the company provides a range of banking products and services to individuals and businesses. These offerings include personal and business checking and savings accounts, certificates of deposit, and various loan products such as mortgage, consumer, home equity lines of credit, commercial loans, and commercial lines of credit. The company also offers e-banking, night depository services, debit cards, and safe deposit boxes. Home Federal Savings and Loan Association of Niles has deep roots in the local community, focusing on building relationships with its customers. The bank's strategy centers on providing personalized service and tailored financial solutions to meet the specific needs of its clientele. This approach contrasts with larger, national banks that often prioritize scale and standardization. First Niles Financial operates primarily within the Niles, Ohio region, giving it a focused geographic footprint. This regional focus allows the company to concentrate its resources and expertise on serving the local market. While the company's size and scope are relatively modest compared to larger regional and national banks, its long-standing presence and community-oriented approach have allowed it to establish a loyal customer base. The company's financial performance reflects its position as a community bank, with a focus on stability and consistent profitability.
What Products and Services Does FNFI Offer?
- Provides personal and business checking and savings accounts.
- Offers certificates of deposit.
- Provides mortgage and consumer loans.
- Offers home equity lines of credit.
- Provides commercial loans and commercial lines of credit.
- Offers e-banking services.
- Provides night depository services.
- Offers safe deposit boxes.
How Does FNFI Make Money?
- Generates revenue from interest income on loans.
- Earns fees from deposit accounts and other services.
- Manages risk through credit analysis and loan underwriting.
- Focuses on serving the local community in Niles, Ohio.
What Industry Does FNFI Operate In?
First Niles Financial, Inc. operates within the regional banking sector, which is characterized by intense competition and evolving customer preferences. The industry is undergoing digital transformation, with increasing adoption of online and mobile banking services. Regional banks face competition from larger national banks, credit unions, and fintech companies. The regulatory environment is also a significant factor, with banks subject to capital requirements, compliance costs, and regulatory oversight. The regional banking sector is expected to grow modestly, driven by economic growth and increasing demand for financial services.
Who Are FNFI's Key Customers?
- Individuals in the Niles, Ohio region.
- Small businesses in the Niles, Ohio region.
- Commercial clients in the Niles, Ohio region.
ROE 5%Key Financial Metrics
Return on equity for First Niles Financial, Inc. stands at 5.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.5%, showing how much profit it generates from its asset base. FNFI trades at a trailing price-to-earnings ratio of 11.84, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.53 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.4%, the inverse of the P/E and a quick read on earnings relative to price.
How First Niles Financial, Inc. Is Valued
First Niles Financial, Inc. carries a market capitalization of $9.46M, placing it in the micro-cap category. Relative to its peer group, FNFI's quantitative score of 44/100 is roughly in line with the peer average of 53/100.
F-Score 6/9Financial Health
First Niles Financial, Inc.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.21 places it in the distress zone, a signal of elevated financial risk.
FNFI Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Long-standing presence in the Niles, Ohio community.
- Strong relationships with local customers.
- Personalized service and tailored financial solutions.
- Low beta indicates lower volatility.
Bear Case
- Small market capitalization limits access to capital.
- Limited geographic reach.
- Dependence on the local economy.
- OTC market listing poses liquidity challenges.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
FNFI Latest News
No recent news available for FNFI.
FNFI Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FNFI.
Price Targets
Wall Street price target analysis for FNFI.
FNFI MoonshotScore
What does this score mean?
The MoonshotScore rates FNFI's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Daniel E. Csontos
Unknown
Information about Daniel E. Csontos's background is not available in the provided data. Therefore, a detailed biography cannot be provided. Further research would be required to gather information on his career history, education, and previous roles.
Track Record: Information about Daniel E. Csontos's track record is not available in the provided data. Therefore, a summary of his key achievements, strategic decisions, and company milestones under his leadership cannot be provided. Further research would be required to gather this information.
FNFI OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that First Niles Financial, Inc. may not meet the listing requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure and may not be subject to the same regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. Investing in companies on the OTC Other tier carries a higher degree of risk due to the potential for limited information and liquidity.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure.
- Lower liquidity compared to exchange-listed stocks.
- Potential for wider bid-ask spreads.
- Increased price volatility.
- Higher risk of fraud or manipulation.
- Verify the company's financial statements.
- Research the company's management team.
- Assess the company's business model and competitive landscape.
- Review the company's regulatory filings.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor.
- Check for any legal or regulatory actions against the company.
- Long operating history since 1897.
- Operation as a holding company for a savings and loan association.
- Provision of traditional banking products and services.
- Focus on serving the local community in Niles, Ohio.
What Investors Ask About First Niles Financial, Inc. (FNFI) — Financial Services
What does First Niles Financial, Inc. do?
First Niles Financial, Inc. operates as the holding company for Home Federal Savings and Loan Association of Niles, providing a range of banking products and services to individuals and businesses in the Niles, Ohio region. These services include deposit accounts, mortgage and consumer loans, commercial lending, and e-banking. The company focuses on building relationships with its customers and providing tailored financial solutions to meet their specific needs. Its market position is that of a community bank with a long-standing presence in its local area.
What do analysts say about FNFI stock?
As an OTC-listed company with a small market capitalization, First Niles Financial, Inc. may not be widely covered by analysts. Key valuation metrics include a P/E ratio of 11.8 and a dividend yield of 3.02%. Growth considerations include the potential for expanding its commercial lending portfolio and increasing the adoption of e-banking services. Investors should conduct their own due diligence and consider the risks associated with investing in OTC stocks.
What are the main risks for FNFI?
The main risks for First Niles Financial, Inc. include competition from larger regional banks, the impact of interest rate fluctuations on its loan portfolio, regulatory changes and compliance costs, and the limited liquidity associated with its OTC market listing. An economic downturn in the local economy could also negatively impact loan performance. Investors should carefully consider these risks before investing in FNFI.
What is First Niles Financial, Inc.'s credit quality and risk management approach?
Information on First Niles Financial, Inc.'s specific credit quality and risk management approach is not available in the provided data. Investors should seek additional information on the company's loan portfolio quality, provision levels, and risk management frameworks to assess its credit risk profile. This information may be available in the company's financial statements or through investor relations channels.
What regulatory challenges does First Niles Financial, Inc. face?
As a regional bank, First Niles Financial, Inc. faces regulatory challenges related to capital requirements, compliance costs, and regulatory oversight. These regulations are designed to ensure the safety and soundness of the banking system and protect depositors. Investors may want to evaluate the potential impact of regulatory changes on the company's profitability and operations. Further research into the specific regulations affecting the company is recommended.
What are the key factors to evaluate for FNFI?
First Niles Financial, Inc. (FNFI) holds an AI score of 44/100 (low). P/E: 11.8x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does FNFI data refresh on this page?
FNFI prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven FNFI's recent stock price performance?
First Niles Financial, Inc. (FNFI) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing presence in the Niles, Ohio community. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be limited.
- OTC market investments carry higher risk.