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INDICATIVE · SAMPLE DATA
FNFI.PK56

First Niles Financial Inc

BanksVerified

First Niles Financial Inc has a basic and diluted share count of 1,538,567 shares outstanding, indicating no dilution from potential share issuance. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. The company's profitability and returns are not available in the current dataset, making it difficult to compare with industry_config preferred metrics or cohort medians. Without disclosed return on equity (ROE), return on assets (ROA), or net interest margin (NIM), a direct comparison to industry benchmarks is not possible. Segment and geographic exposure data are not disclosed in the available source documents, preventing an analysis of revenue concentration or geographic diversification. Growth trajectory is unclear due to the lack of historical revenue data and forward-looking guidance. The most recent actual EPS is reported at $0.78, but no outlook for the current or next fiscal year is available. Risk factors include the inability to assess liquidity risk, which could impact the company's ability to meet short-term obligations. Dilution risk is currently low, as there is no evidence of potential share issuance or dilution adjustments applied. Recent events and filings do not provide additional context for the company's operations or strategic direction. No recent transcripts or filings are available to inform the narrative.

30-day price · FNFI.PK(missing data)
No daily-bar history available from current data sources. Alternate source pending.
Profile
CompanyFirst Niles Financial Inc
TickerFNFI.PK
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryBanks
AI analysis

Business. First Niles Financial Inc operates as a bank, providing financial services to its customers.

Classification. The company is classified under the Financials economic sector, Banking & Investment Services business sector, and Banks industry with a confidence level of 0.92.

First Niles Financial Inc has a basic and diluted share count of 1,538,567 shares outstanding, indicating no dilution from potential share issuance. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. The company's profitability and returns are not available in the current dataset, making it difficult to compare with industry_config preferred metrics or cohort medians. Without disclosed return on equity (ROE), return on assets (ROA), or net interest margin (NIM), a direct comparison to industry benchmarks is not possible. Segment and geographic exposure data are not disclosed in the available source documents, preventing an analysis of revenue concentration or geographic diversification. Growth trajectory is unclear due to the lack of historical revenue data and forward-looking guidance. The most recent actual EPS is reported at $0.78, but no outlook for the current or next fiscal year is available. Risk factors include the inability to assess liquidity risk, which could impact the company's ability to meet short-term obligations. Dilution risk is currently low, as there is no evidence of potential share issuance or dilution adjustments applied. Recent events and filings do not provide additional context for the company's operations or strategic direction. No recent transcripts or filings are available to inform the narrative.
Key takeaways
  • First Niles Financial Inc has no dilution risk based on current share counts.
  • Liquidity risk cannot be assessed due to missing balance-sheet data.
  • Profitability metrics are not disclosed, limiting comparison to industry benchmarks.
  • Growth trajectory is unclear without historical revenue data or forward guidance.
  • No recent events or filings provide insight into the company's strategic direction.
  • --
  • ## RATIONALES
  • ```json
Financial snapshot
PeriodHA-latest
CurrencyUSD
Revenue
Gross profit
Operating income
Net income
R&D
SG&A
D&A
SBC
Operating cash flow
CapEx
Free cash flow
Total assets
Total liabilities
Total equity
Cash & equivalents
Long-term debt
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY-4$2.2M$302.0k$34.0k
FY-3$2.2M$586.0k$314.0k
FY-2$3.0M$252.0k-$50.0k
FY-1$3.3M$808.0k$493.0k
FY0$3.0M$863.0k$528.0k
PeriodGross %Op %Net %FCF %
FY-4
FY-3
FY-2
FY-1
FY0
PeriodAssetsEquityCashDebt
FY-4$109.7M$12.9M
FY-3$124.5M$15.3M
FY-2$133.9M$13.1M
FY-1$156.9M$13.7M
FY0$156.4M$14.2M
PeriodOCFCapExFCFSBC
FY-4$439.0k-$30.0k$34.0k
FY-3$4.6M-$10.0k$314.0k
FY-2$406.0k-$31.0k-$50.0k
FY-1-$2.3M-$41.0k$493.0k
FY0-$4.8M-$57.0k$528.0k
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodGross %Op %Net %FCF %
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodAssetsEquityCashDebt
FQ-7
FQ-6
FQ-5$13.7M
FQ-4$14.5M
FQ-3
FQ-2$14.5M
FQ-1
FQ0$17.0M
PeriodOCFCapExFCFSBC
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
Valuation
Market price
Market cap
Enterprise value
P/E
Reported non-GAAP P/E
EV/Revenue
EV/Op income
EV/OCF
P/B
P/Tangible book
Tangible book
Net cash
Current ratio
Debt/Equity
ROA
ROE
Cash conversion
CapEx/Revenue
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskUnknown
  • Liquidity risk could not be assessed (no balance-sheet inputs and no going-concern language in source documents).
Industry benchmarks
Activity: Banks · cohort 670 companies
MetricFNFI.PKActivity
Op margin36.8% medp25 22.9% · p75 60.0%
Net margin33.6% medp25 19.4% · p75 51.1%
Gross margin55.0% medp25 42.9% · p75 88.7%
CapEx / revenue-4.6% medp25 -10.4% · p75 -2.1%
Debt / equity56.1% medp25 13.2% · p75 161.2%
Observations
IR observations
Last actual EPS0.78 USD
Competitor context
JPMJPMorgan ChaseUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
BACBank of AmericaUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
CCitigroupUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-05 02:33 UTC#051dc911
Source: analysis-pipeline (hybrid)Generated: 2026-05-27 23:14 UTCJob: 1b8b6d22