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

As of Sep 23, 2026: fair value of First Niles Financial Inc $7.76, price $8.90, upside -12.8%, quality 39 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · US · ISIN US33582N1063

FN First Niles Financial Inc logo Broad data Sep 23, 2026

First Niles Financial Inc

FNFI · US

Weak valuationQuality is weak on top of the rich price.

!Fair value $7.76 · Overvalued (−13%)
!Quality 39/100
!Expensive Growth (revenue YoY +72.8 %/yr)
!Thin margins · 7.5% net margin (TTM)
!High debt · negative free cash flow
·2.70% dividend yield
!Trails peers (4/13)
!Narrow moat 31/100
!Weak on valuation: 16 out of 100
!Weak on past: 17 out of 100
!Weak on balance sheet: 16 out of 100
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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 $7.76 Jun 2015 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range $5.75 – $23.61 · fair‑value band $5.83 – $9.70 · the $8.90 price screens above the $7.76 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. Dashed = 300-day average. As of Sep 23, 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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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.

Stock analysis

First Niles Financial Inc (FNFI) currently trades at $8.90, while our model-based Fair Value estimate is $7.76, implying the stock looks roughly 14.7% overvalued today.

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Valuation

Bull case: the Economic Profit group reads highest at a median of $8.56 per share, and 1 of the 6 models we run sit above the $8.90 price.

Bear case: the Dividend Discount group reads lowest at $3.57, and 5 of the 6 models stay below the price. Evidence for this calculation is high.

Scenario range: $5.83 (bear) to $9.70 (bull), the price of $8.90 sits inside 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 39/100 (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 $11.5M · P/E ratio 14.8 · P/S ratio 0.90 · EPS (TTM) $0.6000 · Dividend yield 2.7% · Net margin 6.1% · Return on equity 4.2% · Return on assets (EBIT) 0.6%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (medium confidence).

What moves the price

The share trades about 6% below its 52-week high and 25% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −13%, FNFI screens cheaper than that median.

Fair Value models

Bear $5.83 Fair Value $7.76 Bull $9.70
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.2643 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. Evidence ⓘEvidence = 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.
Highest evidence
Residual Income $8.51 $8.56 $8.00 76
Gordon GGM $2.07 $4.13 $6.25 67
DDM Multi-Stage $2.07 $3.57 $4.36 67
All 6 models by family
Dividend Discount
Gordon GGM $2.07 $4.13 $6.25 67
DDM Multi-Stage $2.07 $3.57 $4.36 67
Multiples
P/E Multiple $5.34 $7.11 $8.89 63
P/B Multiple $6.98 $9.30 $11.63 55
Asset-Based
NCAV (Graham) $5.64 $7.56 $11.29 54
Economic Profit
Residual Income $8.51 $8.56 $8.00 76

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Quality Score breakdown

Overall quality 39/100

Of which business quality 36 · Market factors (momentum, volatility) 50

Profitability 19
Margins and returns on capital today
Quality Growth 44
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 22
Balance sheet, leverage, solvency risk
Investment 75
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 54
Price trend over the last 3–12 months (market factor)
52W Momentum 43
Distance to the 52-week high (market factor)
Net Issuance 100
Share count: buybacks or dilution?

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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. 58/100
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.
+17.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+14.7%
Dividend (yield on the price)2.7%
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.15% vs 15%, 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%
Start year 2020 (pandemic)

FNFI screens 15% overvalued. Compare with DBS Group →

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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 · 1076 stocks

Beats the industry median on 4/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 41 · Bottom 25%
Fair Value upside −13% · Above median
Profitability
Return on equity (TTM) 4% · Bottom 25%
Return on assets 0% · Bottom 25%
Net margin (TTM) 8% · Bottom 25%
Operating margin (TTM) 15% · Bottom 25%
Growth and dividend
Revenue growth 6% · Below median
Dividend yield (TTM) 2.7% · Above median
Balance sheet
Debt / equity 1.68× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 14.8× · Pricier than median
P/B 0.66× · Cheapest 25%
P/S (TTM) 1.31× · Cheapest 25%
EV/EBITDA 25.7× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)16 · sector 11
FUTURE (revenue growth)31 · sector 45
PAST (return on equity)17 · sector 41
HEALTH (low debt)16 · sector 85
DIVIDEND (yield)54 · sector 53

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
DBS Group D05 77.69 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.25 HK$62.30 +22%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹737.25 ₹406.85 −45%
BNP Paribas SA BNP €98.43 €105.99 +8%
UniCredit S.p.A UCG €82.18 €77.62 −6%
Mizuho Financial Group MFG $10.74 $6.75 −37%
ICICI Bank Limited ICICIBANK ₹1,340 ₹616.16 −54%
The PNC Financial Services Group PNC $224.03 $159.52 −29%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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First Niles Financial Inc · Fair Value
$7.76 −15%Fair Value
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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 Sep 23, 2026, our model estimates a fair value of $7.76 versus a price of $8.90, about −13% upside (overvalued).
What is the fair value of FNFI?
Our model-based fair value for First Niles Financial Inc is $7.76 (as of Sep 23, 2026), built from audited fundamentals. The current price: $8.90.
What is the quality score of FNFI?
First Niles Financial Inc has a Quality Score of 39/100. 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 $7.76 (as of Sep 23, 2026) from 6 valuation models. Cautious scenario $5.83, optimistic scenario $9.70. 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 $7.76, about −13% upside versus a price of $8.90 (overvalued). Cautious scenario $5.83, optimistic scenario $9.70. 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 $8.8M (latest available figure, as of Sep 23, 2026).
Does First Niles Financial Inc pay a dividend?
First Niles Financial Inc currently shows a dividend yield of about 2.70% relative to its recent price (as of Sep 23, 2026).
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 $7.76 per share (as of Sep 23, 2026), against a price of $8.90. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is First Niles Financial Inc stock overvalued or undervalued in 2026?
As of Sep 23, 2026, FNFI trades above its calculated fair value: price $8.90, fair value $7.76, a gap of about −13% (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 ($8.90); the fair value is what the company's own numbers justify ($7.76). For First Niles Financial Inc the two are $1.14 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 $11.5M (market capitalisation, as of Sep 23, 2026). Per share that is $8.90; our models calculate a fair value of $7.76 per share.
What do the bullish and bearish scenarios say about FNFI?
Our models span a range for First Niles Financial Inc: cautious scenario $5.83, base $7.76, optimistic $9.70 per share (as of Sep 23, 2026, price $8.90). 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 14.8 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $7.76 is built from several models across several years. Other multiples: P/B 0.7, P/S 1.3, EV/EBITDA 25.7.
How solid is the balance sheet of First Niles Financial Inc (FNFI)?
Balance-sheet figures for First Niles Financial Inc (as of Sep 23, 2026): return on equity 4.2%, debt of 1.68 per unit of equity. They feed the Quality Score of 39/100, which measures business quality independently of the share price.
How far is FNFI from its 52-week high?
First Niles Financial Inc trades at $8.90, about 6% below its 52-week high of $9.50 and 25% above the low of $7.09 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $7.76 is for.
Which stocks are comparable to First Niles Financial Inc?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Sep 23, 2026: price $8.90, calculated fair value $7.76 (−13%), Quality Score 39/100, 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 four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $7.76, 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 13.0 % 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 Sep 23, 2026 was $8.90. Our model-based fair value is $7.76, about −13% upside (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?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the upper half of our model range, so the margin of safety is thin. The data supports the verdict: every model runs on fully documented inputs.

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 $11.5M. 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 0.90 (P/E × margin). 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 14.8). 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 2.7% (payout 40.0%). 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 6.1% (fiscal year 2025). 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 4.2% (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 15.1% (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 +6.1% 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 −20.0% 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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