First Niles Financial, Inc. (FNFI): fair value, margin of safety and Wheel Score

Is FNFI undervalued?

At 10.00 (close of 5 Nov 2026), FNFI trades 51% below the GLS average fair value of 20.51. That average comes from 7 models run on the latest filings, and 5 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns First Niles Financial, Inc. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.

There is a wide gap between DDM (3.53) and GLS Growth (45.40). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.

Ranked against every other company we cover, neither cheapness nor growth clearly wins for FNFI, so the nightly engine files it under Blend (value score 71, growth score 90, out of 100).

Nine valuation models for FNFI

Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.

Quality and financial health

First Niles Financial, Inc. scores only 4 of 9 on the Piotroski F-score, which fails the "Piotroski 6 or more" Wheel Trade Filter. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. A GLS Moat score of 3.8/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, so the Moat part of the Wheel Score contributes little.

Returns on capital are thin or negative - ROIC 1.3%, ROE 4.8%, ROA 0.5% - with debt at 2.82 times equity and negative free cash flow. Debt of 2.82 times equity is on the high side for the sector and is worth checking against the cash flow before treating the stock as a long-term hold.

The dividend yield is 2.40% at a payout ratio of 0%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.

Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.

Wheel Score 29: No options

No options are listed on First Niles Financial, Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 29, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.

Volume runs at 0k shares a day on a market cap of $11M, with a beta of 0.32 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.

The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.

Upcoming events

No upcoming earnings date is recorded for FNFI in the nightly calendar.

Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.

Similar stocks in Banks - Regional

The 12 companies below are the closest to First Niles Financial, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.

⚖ Compare FNFI with 7 of them   All Financial Services stocks →