Stock fact sheet · data as of
First Niles Financial, Inc. PFD SER A (FNFPA): fair value, margin of safety and Wheel Score
Ticker symbol FNFPA · Financial Services · Banks - Regional · United States · Fund / Note
Is FNFPA undervalued?
First Niles Financial, Inc. PFD SER A (FNFPA) closed at 3.80 on 5 Nov 2026. The GLS average fair value - the simple average of the 7 valuation models that produced a positive number - is 10.36, which puts the price 63% below it. 5 of the 7 models value the shares above the current price. A gap this wide is rare in our universe of ~7,400 US stocks and is exactly what the Value part of the Wheel Score rewards; it is also where the question "why is it this cheap?" matters most.
There is a wide gap between EPV (3.13) and GLS Growth (17.25). 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.
FNFPA looks like a fund, note or preferred share rather than an operating company, so the nightly engine files it under Fund / Note: the valuation models are not built for it, and its Wheel Score is capped at 45.
Nine valuation models for FNFPA
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.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 11.63 | +206% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 13.79 | +263% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 16.12 | +324% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 7.05 | +85% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 17.25 | +354% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | - | - | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10%; no value tonight |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | 3.53 | -7% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 3.13 | -18% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -115.69 | -3145% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
No Piotroski health score is on file for FNFPA (the statements it needs were not available), so the Health part of the Wheel Score counts it at half marks - 10 of 20 - rather than marking the stock down for missing data. There is no GLS Moat score for FNFPA: funds, notes and second share lines get none, and so does a company with fewer than two years of accounts on file. The Moat part of the Wheel Score is zero.
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.
| Piotroski F-score | - / 9 | ROIC | 1.3% |
|---|---|---|---|
| GLS Moat | - / 10 | ROE | 4.8% |
| Debt / equity | 2.82 | ROA | 0.5% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 26: No options
No options are listed on First Niles Financial, Inc. PFD SER A in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 26, 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 $4M, with a beta of -0.01 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Fails | a fund or note, not a company |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $4M (under $1.0B) |
| 9 | Not a penny stock | Fails | price 3.80 (under $5) |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 63% below fair value | |
| Premium | Weak | no option data | |
| Moat | Weak | no moat score | |
| Health | Fair | no Piotroski score on file - half marks | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta -0.01, $4M company |
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 FNFPA 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. PFD SER A 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.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| ABBB Auburn Bancorp, Inc. | 10.12 | 23.10 | +56% | 28No options | $5M |
| UFCP Union Financial Corporation | 2.51 | 1.69 | -49% | 16No options | $8M |
| FCPB First Capital Bancshares, Inc. | 14.75 | 57.39 | +74% | 31No options | $8M |
| CARV Carver Bancorp, Inc. | 1.87 | - | - | 10No options | $10M |
| LBNW Liberty Northwest Bancorp, Inc. | 5.80 | 17.57 | +67% | 28No options | $10M |
| LWCL Lewis & Clark Bancorp | 10.00 | 80.77 | +88% | 27No options | $11M |
| FSGB 1st Federal Savings Bank of SC, Inc. | 10.57 | 14.85 | +29% | 30No options | $11M |
| FNFI First Niles Financial, Inc. | 10.00 | 20.51 | +51% | 29No options | $11M |
| VERF Versailles Financial Corporation | 32.22 | 32.15 | -0% | 15No options | $11M |
| SBNY Signature Bank | 0.1800 | 612.25 | +100% | 31No options | $11M |
| GLBZ Glen Burnie Bancorp | 4.10 | 1.74 | -136% | 11No options | $12M |
| WCFB WCF Bancorp, Inc. | 6.49 | 0.7357 | -782% | 15No options | $12M |
⚖ Compare FNFPA with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about FNFPA
Is FNFPA undervalued right now?
By the GLS models, yes: at 3.80 the stock is 63% below the average fair value of 10.36 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of FNFPA and what does it mean?
FNFPA has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for FNFPA?
10.36 per share as of 5 Nov 2026 - the simple average of the 7 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does First Niles Financial, Inc. PFD SER A report earnings next?
No upcoming earnings date is recorded for FNFPA in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does FNFPA have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on FNFPA, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.