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First Niles Financial, Inc (FNFI) Fair Value & Analysis

Financial Services · US · Market cap $11.5M

Price$7.75
Fair Value$7.11
Upside-8.3%
Quality95/100
Evidence: High Range $5.34 – $8.89

Fair value as of: Jun 26, 2026

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Analysis

First Niles Financial, Inc (FNFI) currently trades at $7.75, while our model-based Fair Value estimate is $7.11 — implying the stock looks roughly 8.3% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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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Frequently asked questions

Is First Niles Financial, Inc (FNFI) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $7.11 versus a price of $7.75 — about −8% (overvalued). Model-based estimate, not financial advice.
What is the fair value of FNFI?
Our 21-model fair value for First Niles Financial, Inc is $7.11 (as of Jun 26, 2026), built from audited fundamentals. The current price is $7.75.
What is the quality score of FNFI?
First Niles Financial, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.