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First Niles Financial, Inc. FNFI OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

First Niles Financial, Inc. (FNFI) is a Banks - Regional company in the Financial Services sector, currently trading at $8.02. It has a SharesGrow Score of 65/100, indicating a above average investment profile with 3 out of 7 criteria passed.

Financials: revenue is $8M, +7.2%/yr average growth. Net income is $863,000, growing at +56.8%/yr. Net profit margin is 10.8% (healthy). Gross margin is 100% (+0 pp trend).

Balance sheet: total debt is $0 against $14M equity (Debt-to-Equity (D/E) ratio 0, conservative). Current ratio is 0.17 (tight liquidity). Debt-to-assets is 0%. Total assets: $156M.

SharesGrow 7-Criteria breakdown: Value 85/100 (Pass), Growth 83/100 (Pass), Past 100/100 (Pass), Health 33/100 (Fail), Moat 46/100 (Partial), Future ?/100 (Fail), Income 55/100 (Partial).

FNFI SharesGrow Score Overview

67/100

SharesGrow Score

Above average fundamentals

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VALUE 85/100

Valuation — P/E, PEG, Forward PEG

GROWTH 83/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 33/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 46/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 55/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — FNFI

FNFI trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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FNFI: +7.2%/yr revenue is, +56.8%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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FNFI: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet FNFI: Debt-to-Equity (D/E) ratio 0 (conservative), Current ratio is 0.17 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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FNFI: Gross margin is 100% (+0 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 46/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

FNFI: Net profit margin is 10.8%. thin (5-15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range7.25-12.94

Volume100

Avg Volume (30D)415

Market Cap$8.93M

Beta (1Y)0.29

Dividend Yield$0.2400

Share Statistics

EPS (TTM)0.63

Shares Outstanding$1.33M

IPO Date1998-10-27

CEODaniel E. Csontos

Financial Highlights & Ratios

Revenue (TTM)$8M

Gross Profit$8M

Net Income$863K

Operating Income$1.11M

Total Cash$9.13M

Net Debt$-9.13M

Total Assets$156.38M

Price / Earnings (P/E)12.7

Price / Sales (P/S)1.12

Analyst Forecast

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS33582N1063

Price Chart

FNFI

First Niles Financial, Inc. ↗ · Other OTC

Financial Services • Banks - Regional

7.25 52WK RANGE 12.94

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