First Niles Financial Inc
First Niles Financial Inc operates as a bank, providing financial services to its customers.
Business. First Niles Financial Inc (FNFI.PK) is a bank operating within the Banking & Investment Services sector. The company generates revenue primarily through interest income, consistent with standard banking industry models. It is listed on the OTC market under the ticker symbol FNFI.PK. Specific details regarding operating segments, headquarters location, and geographic presence are not available in the provided data.
At a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
News & coverage
0Sector rotation
Developing storylines
Analysis
AI analysisOpportunity
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
First Niles Financial Inc (FNFI.PK) is a bank operating within the Banking & Investment Services sector. The company generates revenue primarily through interest income, consistent with standard banking industry models. It is listed on the OTC market under the ticker symbol FNFI.PK. Specific details regarding operating segments, headquarters location, and geographic presence are not available in the provided data.
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.
- 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.
Bull / Bear case
Generated · model-assistedNet income surged 47.3% year-over-year to $863,000, demonstrating strong profitability growth in the latest fiscal period.
Free cash flow increased 68.2% to $528,000, indicating significantly improved cash generation capabilities compared to the prior period.
Total assets grew 25.6% to $156.4 million, reflecting substantial balance sheet expansion and potential for future revenue generation.
Long-term debt decreased to $48,000 from $147,000 over the five-year span, showing a strong deleveraging trend.
Revenue rose 39.6% year-over-year to $3.0 million, highlighting robust top-line growth momentum in the latest period.
Equity declined 7.4% year-over-year to $14.2 million, suggesting potential capital erosion or significant share buybacks.
The four-year revenue CAGR is negative at -0.1%, indicating long-term stagnation despite recent short-term growth spikes.
In focus — financials by report
Revenue $3.3M, +10,1% YoY; Net income +220,6% YoY.
- ▍Revenue $3.3M, +10,1% YoY
- ▍Net income +220,6% YoY
- ▍Free cash flow +1 086,0% YoY
- ▍Net margin 24.4%
Revenue $3.0M, +39,9% YoY; Net income −57,0% YoY.
- ▍Revenue $3.0M, +39,9% YoY
- ▍Net income −57,0% YoY
- ▍Free cash flow −115,9% YoY
- ▍Net margin 8.4%
Valuation FY
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
Options
Short squeeze
Earnings-call key lines
Estimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Actions
Ask Handelsavisen
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- First Niles Financial Inc Market data — financials · 2026-05-27
- First Niles Financial Inc Market data — analyst estimates · 2026-05-27