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First Niles Financial Inc (FNFI) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of First Niles Financial Inc stock $7.12, price $9.53, that is 25.3% below the price, quality 27 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

FN First Niles Financial Inc logo Some data Nov 4, 2026

First Niles Financial Inc

FNFI · US
Expensive, weak quality

Our calculation puts a fair price 25% below what the stock costs today.

Solidly profitable · 10.4% net margin (TTM)
1.3% dividend yield · Low payout
Last quarter vs. a year ago: revenue +46%, profit +129%.
Expensive Growth (revenue YoY +72.8 %/yr in USD)
Some data
Fair value $7.12 · Overvalued
Quality 27/100
Trails peers (3/13)
Narrow moat 31/100
⚠ Dilution⚠ Thinly traded
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$23.61 $5.75 Fair Value $7.12 Jun 2015 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.

How to read this chart

60‑month range $5.75 – $23.61 · fair‑value band $5.35 – $8.67 · the $9.53 price screens above the $7.12 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 4, 2026.

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Company profile

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.

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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.

Stock analysis

First Niles Financial Inc (FNFI) currently trades at $9.53, while our model-based Fair Value estimate is $7.12, 25% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Economic Profit group reads highest at a median of $8.93 per share, and 1 of the 6 models we run sit above the $9.53 price.

Bear case: the Dividend Discount group reads lowest at $4.50, and 5 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $5.35 (bear) to $8.67 (bull), the price of $9.53 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 27/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

First Niles Financial Inc reported revenue of $13.8M in FY2025 versus $6.8M in FY2021, a compound +19.6%/yr. Reported net income was $842K in FY2025, compounding +9.5%/yr from FY2021.

Key figures

Market cap $14.7M Micro · P/E ratio 15.9 · P/S ratio 1.33 · EPS (TTM) $0.6000 · Dividend yield 1.3% · Net margin 10.4% · Return on equity 6.7% · Return on assets (EBIT) 0.6% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 31 out of 100 (medium confidence).

What moves the price

The share trades about 5% below its 52-week high and 34% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −25%, FNFI screens cheaper than that median.

Fair Value models

Bear $5.35 Fair Value $7.12 Bull $8.67
Price $9.53 · Downside -25.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.4116 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $8.77 $8.93 $9.48 76
DDM Multi-Stage $2.27 $4.05 $5.15 66
Gordon GGM $2.27 $4.94 $8.30 65
All 6 models by family
Dividend Discount
Gordon GGM $2.27 $4.94 $8.30 65
DDM Multi-Stage $2.27 $4.05 $5.15 66
Multiples
P/E Multiple $5.34 $7.11 $8.89 63
P/B Multiple $7.24 $9.65 $12.07 55
Asset-Based
NCAV (Graham) $5.10 $6.84 $10.20 54
Economic Profit
Residual Income $8.77 $8.93 $9.48 76

The fair value above starts from this blend and is adjusted for dilution from new shares.

Open the full fair value analysis →

Quality Score breakdown

Overall quality 27/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 19
How much profit the company makes from its sales and capital
Quality Growth 44
Are margins and returns getting better?
Cashflow 0
Do the profits arrive as real cash?
Financial strength 22
Debt, balance sheet and risk of trouble
Investment 75
Does it invest with discipline instead of growing at any price?
Low Volatility 50
How calm the share price moves, does not count
Price momentum 62
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 62
Distance to the 52-week high, does not count
New shares 16
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+16.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+14.7%
Dividend (yield on the price)1.3%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.14.7% vs 14.8%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.10% → 8%
Pace: the 5-year rate starts in 2020 (pandemic)

FNFI screens overvalued: fair value 25% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 3/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 27 · Bottom 25%
Fair Value upside −25.3% · Below median
Profitability
Return on equity (12 months) 6.7% · Bottom 25%
Return on assets 0.5% · Bottom 25%
Net margin (12 months) 10.4% · Bottom 25%
Operating margin (12 months) 11.4% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 45.7% · Top 25%
Dividend yield (12 months) 1.3% · Bottom 25%
Balance sheet
Debt / equity 1.68× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 15.9× · Priciest 25%
P/B 0.84× · Cheapest 25%
P/S (12 months) 1.33× · Cheapest 25%
EV/EBITDA 28.4× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)100 · sector 47
PAST (return on equity)27 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)25 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs FNFI
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs FNFI
BNP Paribas SA BNP €91.93 €106.01 +15% vs FNFI
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs FNFI
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs FNFI
UniCredit S.p.A UCG €76.80 €50.44 −34% vs FNFI
Mizuho Financial Group MFG $9.40 $5.89 −37% vs FNFI
DBS Group D05 69.72 SGD 40.39 SGD −42% vs FNFI
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs FNFI
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs FNFI

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First Niles Financial Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "First Niles Financial Inc Fair Value". https://www.fairvalue-calculator.com/stock/FNFI

Frequently asked questions

Is First Niles Financial Inc (FNFI) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of $7.12 versus a price of $9.53, about 25% lower (overvalued).
What is the fair value of FNFI?
Our model-based fair value for First Niles Financial Inc is $7.12 (as of Nov 4, 2026), built from audited fundamentals. The current price: $9.53.
What is the quality score of FNFI?
First Niles Financial Inc has a Quality Score of 27/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for First Niles Financial Inc (FNFI)?
Our model-based price target is the fair value of $7.12 (as of Nov 4, 2026) from 6 valuation models. Cautious scenario $5.35, optimistic scenario $8.67. It is a calculation from audited fundamentals, not an analyst target.
What is the First Niles Financial Inc stock forecast for 2026?
Our models put fair value at $7.12, about 25% lower versus a price of $9.53 (overvalued). Cautious scenario $5.35, optimistic scenario $8.67. The calculation is refreshed regularly with new filings.
What is the revenue of First Niles Financial Inc (FNFI)?
First Niles Financial Inc reported trailing-twelve-month revenue of about $11.0M (latest available figure, as of Nov 4, 2026).
Does First Niles Financial Inc pay a dividend?
First Niles Financial Inc currently shows a dividend yield of 1.26% relative to its recent price (as of Nov 4, 2026).
How much is the dividend of First Niles Financial Inc (FNFI) and when is the ex-dividend date?
First Niles Financial Inc pays a dividend of $0.12 per share a year, a dividend yield of 1.3%. The last ex-dividend date was Sep 11, 2026. A dividend has been paid every year since at least 1999. The payout ratio is 20.0% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of First Niles Financial Inc (FNFI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For First Niles Financial Inc it is $7.12 per share (as of Nov 4, 2026), against a price of $9.53. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is First Niles Financial Inc stock overvalued or undervalued in 2026?
As of Nov 4, 2026, FNFI trades above its calculated fair value: price $9.53, fair value $7.12, a gap of about −25% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FNFI?
No. The price is what the market pays today ($9.53); the fair value is what the company's own numbers justify ($7.12). For First Niles Financial Inc the two are $2.41 per share apart. That gap is exactly why we show both numbers side by side.
How much is First Niles Financial Inc worth?
The market values First Niles Financial Inc at about $14.7M (market capitalisation, as of Nov 4, 2026). Per share that is $9.53; our models calculate a fair value of $7.12 per share.
What do the bullish and bearish scenarios say about FNFI?
Our models span a range for First Niles Financial Inc: cautious scenario $5.35, base $7.12, optimistic $8.67 per share (as of Nov 4, 2026, price $9.53). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FNFI?
First Niles Financial Inc trades at a price-to-earnings ratio of 15.9 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $7.12 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 27.5. Other multiples: P/B 0.8, P/S 1.3, EV/EBITDA 28.4.
How solid is the balance sheet of First Niles Financial Inc (FNFI)?
Balance-sheet figures for First Niles Financial Inc (as of Nov 4, 2026): return on equity 6.7%, debt of 1.68 per unit of equity. They feed the Quality Score of 27/100, which measures business quality independently of the share price.
How far is FNFI from its 52-week high?
First Niles Financial Inc trades at $9.53, about 5% below its 52-week high of $10.00 and 34% above the low of $7.09 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $7.12 is for.
Which stocks are comparable to First Niles Financial Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is First Niles Financial Inc stock attractive at the current price?
The data as of Nov 4, 2026: price $9.53, calculated fair value $7.12 (−25%), Quality Score 27/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FNFI calculated?
We run First Niles Financial Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $7.12 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. First Niles Financial Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of First Niles Financial Inc (FNFI)?
The closing price on Nov 6, 2026 was $9.53. Our model-based fair value is $7.12, about 25% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with First Niles Financial Inc right now?
The price sits above even our optimistic bull case ($8.67). The favourable scenario is already priced in. Weak quality (27/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of First Niles Financial Inc

How large is the market capitalisation of First Niles Financial Inc (FNFI)?
The market capitalisation of First Niles Financial Inc is $14.7M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of First Niles Financial Inc (FNFI)?
The price-to-sales ratio of First Niles Financial Inc is 1.33 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of First Niles Financial Inc (FNFI)?
Earnings per share at First Niles Financial Inc are $0.6000 (price ÷ EPS = P/E 15.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of First Niles Financial Inc (FNFI)?
The dividend yield of First Niles Financial Inc is 1.3% (payout 20.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of First Niles Financial Inc (FNFI)?
The net margin of First Niles Financial Inc is 10.4% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of First Niles Financial Inc (FNFI)?
The return on equity (ROE) of First Niles Financial Inc is 6.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of First Niles Financial Inc (FNFI)?
On an EBIT basis the return on assets of First Niles Financial Inc is 0.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of First Niles Financial Inc (FNFI)?
The operating margin of First Niles Financial Inc is 11.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at First Niles Financial Inc (FNFI)?
Revenue at First Niles Financial Inc is growing +45.7% versus a year earlier (3y avg +18.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at First Niles Financial Inc (FNFI)?
Earnings per share at First Niles Financial Inc are growing +129% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does First Niles Financial Inc (FNFI) generate?
The free cash flow of First Niles Financial Inc is −$1.7M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does First Niles Financial Inc (FNFI) carry?
The net debt of First Niles Financial Inc is $38.5M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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