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FNFI

First Niles Financial, Inc.

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Price alert · FNFI

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10.00 USD +0.78 +8.46%
As of Oct 30, 2026
9.49 Day range 10.00
7.26 52-week range 10.00
YTD
+25.00%
1 year
+25.00%
Open
9.49
Prev close
9.22
Mkt cap
15.39M
Vol
400
Avg vol
2.57K
EPS
0.60
P/E
16.67
More statistics
Low
9.49
High
10.00

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Financial health

Altman Z-Score

0.29 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-2 / 5 overall

  • DCF 2
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 3
  • P/B 4

Valuation

P/E 10.5×
FY 2016: 507×FY 2017: 32.8×FY 2018: 35.0×FY 2019: 22.4×FY 2020: 38.1×FY 2021: 21.3×FY 2022: 57.6×FY 2023: 16.4×FY 2024: 12.8×FY 2025: 10.5×
FY 2016 5y median 16.4× FY 2025
P/S 0.6×
FY 2016: 4.5×FY 2017: 4.3×FY 2018: 2.4×FY 2019: 2.6×FY 2020: 3.1×FY 2021: 1.9×FY 2022: 1.8×FY 2023: 1.3×FY 2024: 1.4×FY 2025: 0.6×
FY 2016 5y median 1.4× FY 2025
P/B 0.5×
FY 2016: 1.0×FY 2017: 1.0×FY 2018: 0.7×FY 2019: 0.7×FY 2020: 0.9×FY 2021: 0.8×FY 2022: 1.1×FY 2023: 1.0×FY 2024: 0.8×FY 2025: 0.5×
FY 2016 5y median 0.8× FY 2025
P/FCF -5.1×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 17.9×FY 2019: 17.0×FY 2020: 28.0×FY 2021: 2.8×FY 2022: 38.9×FY 2023: -5.6×FY 2024: -2.3×FY 2025: -5.1×
FY 2016 5y median -2.3× FY 2025
EV/EBITDA 40.5×
FY 2016: 0.0×FY 2017: 73.1×FY 2018: 110×FY 2019: 57.3×FY 2020: 46.3×FY 2021: 16.5×FY 2022: 85.4×FY 2023: 48.8×FY 2024: 48.6×FY 2025: 40.5×
FY 2016 5y median 48.6× FY 2025
EV/Sales 3.4×
FY 2016: 14.2×FY 2017: 14.1×FY 2018: 7.0×FY 2019: 8.2×FY 2020: 4.9×FY 2021: 1.8×FY 2022: 5.1×FY 2023: 5.1×FY 2024: 7.3×FY 2025: 3.4×
FY 2016 5y median 5.1× FY 2025
FCF Yield -19.4%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 5.6%FY 2019: 5.9%FY 2020: 3.6%FY 2021: 36.2%FY 2022: 2.6%FY 2023: -17.8%FY 2024: -43.5%FY 2025: -19.4%
FY 2016 5y median -17.8% FY 2025

Profitability

Gross Margin 67.6%
FY 2016: 100.0%FY 2017: 70.5%FY 2018: 66.1%FY 2019: 66.1%FY 2020: 66.7%FY 2021: 83.8%FY 2022: 85.4%FY 2023: 69.2%FY 2024: 100.0%FY 2025: 67.6%
FY 2016 5y median 83.8% FY 2025
Operating Margin 8.1%
FY 2016: -5.0%FY 2017: 19.2%FY 2018: 5.4%FY 2019: 13.4%FY 2020: 9.7%FY 2021: 10.6%FY 2022: 5.3%FY 2023: 10.0%FY 2024: 13.9%FY 2025: 8.1%
FY 2016 5y median 10.0% FY 2025
Net Margin 6.1%
FY 2016: 0.9%FY 2017: 13.1%FY 2018: 6.9%FY 2019: 11.8%FY 2020: 8.2%FY 2021: 8.7%FY 2022: 3.0%FY 2023: 8.1%FY 2024: 10.8%FY 2025: 6.1%
FY 2016 5y median 8.1% FY 2025
ROE 4.8%
FY 2016: 0.2%FY 2017: 3.1%FY 2018: 1.9%FY 2019: 3.3%FY 2020: 2.3%FY 2021: 3.8%FY 2022: 1.9%FY 2023: 5.9%FY 2024: 6.1%FY 2025: 4.8%
FY 2016 5y median 4.8% FY 2025
ROIC 1.2%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.2%FY 2019: 0.4%FY 2020: 0.7%FY 2021: 1.3%FY 2022: 0.5%FY 2023: 1.2%FY 2024: 1.1%FY 2025: 1.2%
FY 2016 5y median 1.2% FY 2025
ROA 0.5%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.2%FY 2019: 0.4%FY 2020: 0.3%FY 2021: 0.5%FY 2022: 0.2%FY 2023: 0.5%FY 2024: 0.6%FY 2025: 0.5%
FY 2016 5y median 0.5% FY 2025

Growth (YoY)

Revenue 72.8%
FY 2016: -9.1%FY 2017: 8.2%FY 2018: 10.1%FY 2019: 12.5%FY 2020: 2.4%FY 2021: 83.5%FY 2022: 23.1%FY 2023: 20.4%FY 2024: -20.0%FY 2025: 72.8%
FY 2016 FY 2025
Operating Income 1.3%
FY 2016: -176.0%FY 2017: 519.5%FY 2018: -68.8%FY 2019: 176.4%FY 2020: -26.0%FY 2021: 101.7%FY 2022: -39.0%FY 2023: 128.8%FY 2024: 11.0%FY 2025: 1.3%
FY 2016 FY 2025
EPS (diluted) 16.9%
FY 2016: -88.6%FY 2017: 1474.1%FY 2018: -41.2%FY 2019: 90.0%FY 2020: -28.9%FY 2021: 81.5%FY 2022: -61.2%FY 2023: 221.1%FY 2024: 6.6%FY 2025: 16.9%
FY 2016 FY 2025
Free Cash Flow 64.3%
FY 2016: -100.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 27.8%FY 2020: -26.6%FY 2021: 1013.7%FY 2022: -91.8%FY 2023: -734.1%FY 2024: -103.6%FY 2025: 64.3%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 41.0×FY 2019: 27.4×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.1×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 41.0×FY 2019: 27.4×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 2.8×
FY 2016: 2.2×FY 2017: 2.3×FY 2018: 1.5×FY 2019: 1.7×FY 2020: 2.3×FY 2021: 1.8×FY 2022: 2.7×FY 2023: 3.9×FY 2024: 4.0×FY 2025: 2.8×
FY 2016 5y median 2.8× FY 2025
Net Debt / EBITDA 32.9×
FY 2016: 0.0×FY 2017: 50.9×FY 2018: 71.5×FY 2019: 38.9×FY 2020: 17.0×FY 2021: -0.2×FY 2022: 55.8×FY 2023: 36.2×FY 2024: 39.3×FY 2025: 32.9×
FY 2016 5y median 36.2× FY 2025
Interest Coverage 0.3×
FY 2016: 0.0×FY 2017: 0.7×FY 2018: 0.2×FY 2019: 0.4×FY 2020: 0.3×FY 2021: 0.7×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025

Dividends

Dividend Yield 4.1%
FY 2016: 1.1%FY 2017: 1.4%FY 2018: 2.9%FY 2019: 2.5%FY 2020: 2.4%FY 2021: 2.4%FY 2022: 2.2%FY 2023: 2.4%FY 2024: 2.9%FY 2025: 4.1%
FY 2016 5y median 2.4% FY 2025
Payout Ratio 43.1%
FY 2016: 556.5%FY 2017: 47.0%FY 2018: 104.1%FY 2019: 56.2%FY 2020: 90.4%FY 2021: 51.0%FY 2022: 129.4%FY 2023: 40.3%FY 2024: 37.8%FY 2025: 43.1%
FY 2016 5y median 43.1% FY 2025

Annual · latest fiscal year ends 2025-12-31