First Niles Financial, Inc. (FNFI)
Financials · OID
Price as at 1 Oct 2026, 10:11 UTC. Quotes are delayed.
Fundamentals
Valuation and ratings
First Niles Financial, Inc. trades at $9.15, which is 25% below the $11.47 our fair value estimate puts on the business. On that measure alone it screens as undervalued, though a valuation model is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 17 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 14.4 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
FNFI dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | $0.180 | 3 |
| 2025 | $0.240 | 4 |
| 2024 | $0.240 | 4 |
| 2023 | $0.240 | 4 |
| 2022 | $0.240 | 4 |
| 2021 | $0.240 | 4 |
| 2020 | $0.240 | 4 |
| 2019 | $0.210 | 4 |
| 2018 | $0.200 | 4 |
| 2017 | $0.160 | 4 |
| 2016 | $0.120 | 4 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
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.
Company profile, industry and headcount are as reported by our data provider and can lag a company's own filings by a reporting period. The annual report is the authority.
FNFI passes 4 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
FNFI peers
The largest companies in the same industry (Banks - Regional), then in the same sector.
- HDB HDFC Bank Limited
- IBN ICICI Bank Limited
- CIXPF CaixaBank, S.A.
- ITUB Itaú Unibanco Holding S.A.
- NWG NatWest Group plc
- DB Deutsche Bank Aktiengesellschaft
- NU Nu Holdings Ltd.
- CRARF Crédit Agricole S.A.
Every financials company we cover is on the Financials hub.
Common questions
Is First Niles Financial, Inc. (FNFI) undervalued?
Against our fair value estimate of $11.47, FNFI at $9.15 is 25% below fair value. That is one model's answer, not a recommendation. It is built from normalized earning power with growth capped deliberately low, which understates companies whose value is mostly future growth.
What is FNFI's P/E ratio?
FNFI trades at 14.4 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does First Niles Financial, Inc. (FNFI) pay a dividend?
Yes. First Niles Financial, Inc. yields 2.77% at the current share price. It has paid $0.240 per share over the trailing twelve months. It has paid a dividend in each of the last 27 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
Where does SteadyShares get its FNFI data?
Fundamentals for FNFI come from company filings and exchange data, as listed on OID; institutional ownership comes from SEC 13F filings. The share price shown was last refreshed on 1 Oct 2026, 10:11 UTC and is delayed. Our data quality score for this company is 88/100, which is the share of the inputs behind our scores that were actually available rather than assumed. Metrics we do not hold are left out of the page rather than estimated.
The full research page for FNFI, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.