First Niles Financial (FNFI) versus Its Rivals Critical Review

Dividends

First Niles Financial pays an annual dividend of $0.24 per share and has a dividend yield of 3.0%. First Niles Financial pays out 400.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. As a group, “FIN – SVGS & LOAN” companies pay a dividend yield of 2.8% and pay out 29.4% of their earnings in the form of a dividend.

Valuation and Earnings

This table compares First Niles Financial and its rivals gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
First Niles Financial	$12.49 million	$860,000.00	133.33
First Niles Financial Competitors	$210.55 million	$34.74 million	16.53

First Niles Financial’s rivals have higher revenue and earnings than First Niles Financial. First Niles Financial is trading at a higher price-to-earnings ratio than its rivals, indicating that it is currently more expensive than other companies in its industry.

Profitability

This table compares First Niles Financial and its rivals’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
First Niles Financial	N/A	N/A	N/A
First Niles Financial Competitors	12.00%	4.86%	0.77%

Volatility & Risk

First Niles Financial has a beta of 0.3, indicating that its stock price is 70% less volatile than the S&P 500. Comparatively, First Niles Financial’s rivals have a beta of 0.63, indicating that their average stock price is 37% less volatile than the S&P 500.

Insider & Institutional Ownership

50.0% of shares of all “FIN – SVGS & LOAN” companies are held by institutional investors. 23.4% of First Niles Financial shares are held by company insiders. Comparatively, 8.9% of shares of all “FIN – SVGS & LOAN” companies are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Summary

First Niles Financial rivals beat First Niles Financial on 8 of the 11 factors compared.

First Niles Financial Company Profile

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 United States. The company offers personal and business checking and savings, money market deposit, and Christmas club accounts, as well as certificates of deposit. It also provides various loans, including 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; direct deposits; I.R.A. certificates of deposit and savings accounts; and online banking services. First Niles Financial, Inc. was founded in 1897 and is based in Niles, Ohio.