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First Niles Financial Inc
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Let's analyse First Niles Financial Inc together

PenkeI guess you are interested in First Niles Financial Inc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of First Niles Financial Inc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of First Niles Financial Inc (30 sec.)










What can you expect buying and holding a share of First Niles Financial Inc? (30 sec.)

How much money do you get?

How much money do you get?
$0.98
When do you have the money?
1 year
How often do you get paid?
80.0%

What is your share worth?

Current worth
$10.25
Expected worth in 1 year
$11.80
How sure are you?
70.0%

+ What do you gain per year?

Total Gains per Share
$2.53
Return On Investment
26.6%

For what price can you sell your share?

Current Price per Share
$9.50
Expected price per share
$9.5 - $9.5
How sure are you?
50%

1. Valuation of First Niles Financial Inc (5 min.)




Live pricePrice per Share (EOD)

$9.50

Intrinsic Value Per Share

$1.41 - $9.83

Total Value Per Share

$11.65 - $20.07

2. Growth of First Niles Financial Inc (5 min.)




Is First Niles Financial Inc growing?

Current yearPrevious yearGrowGrow %
How rich?$13.6m$13.1m$517k3.8%

How much money is First Niles Financial Inc making?

Current yearPrevious yearGrowGrow %
Making money$808k$252k$556k68.8%
Net Profit Margin7.8%3.0%--

How much money comes from the company's main activities?

3. Financial Health of First Niles Financial Inc (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of First Niles Financial Inc? (5 min.)

Welcome investor! First Niles Financial Inc's management wants to use your money to grow the business. In return you get a share of First Niles Financial Inc.

What can you expect buying and holding a share of First Niles Financial Inc?

First you should know what it really means to hold a share of First Niles Financial Inc. And how you can make/lose money.

Speculation

The Price per Share of First Niles Financial Inc is $9.5. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of First Niles Financial Inc.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in First Niles Financial Inc, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $10.25. Based on the TTM, the Book Value Change Per Share is $0.39 per quarter. Based on the YOY, the Book Value Change Per Share is $-1.64 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.24 per quarter.
Based on historical numbers we can estimate the returns while holding a share of First Niles Financial Inc.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps0.616.4%0.616.4%0.192.0%0.394.1%0.293.0%
Usd Book Value Change Per Share0.394.1%0.394.1%-1.64-17.2%2.0521.6%0.101.0%
Usd Dividend Per Share0.242.6%0.242.6%0.000.0%0.050.5%0.070.7%
Usd Total Gains Per Share0.636.7%0.636.7%-1.64-17.2%2.1022.1%0.161.7%
Usd Price Per Share10.00-10.00-10.95-10.04-7.71-
Price to Earnings Ratio16.50-16.50-57.92-31.22-74.68-
Price-to-Total Gains Ratio15.81-15.81--6.69-1,492.61-936.15-
Price to Book Ratio0.98-0.98-1.11-148.63-140.53-
Price-to-Total Gains Ratio15.81-15.81--6.69-1,492.61-936.15-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share9.5
Number of shares105
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.240.05
Usd Book Value Change Per Share0.392.05
Usd Total Gains Per Share0.632.10
Gains per Quarter (105 shares)66.40220.14
Gains per Year (105 shares)265.60880.55
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
110316325621860871
22053265224117201752
33084897886225802633
441165210548234403514
5514814132010343004395
6616977158612451605276
77191140185214460196157
88221303211816568797038
99241466238418677397919
1010271629265020685998800

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%23.01.02.088.5%
Book Value Change Per Share1.00.00.0100.0%1.02.00.033.3%3.02.00.060.0%7.03.00.070.0%13.013.00.050.0%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%8.00.02.080.0%23.00.03.088.5%
Total Gains per Share1.00.00.0100.0%1.02.00.033.3%3.02.00.060.0%7.03.00.070.0%18.08.00.069.2%

Fundamentals of First Niles Financial Inc

About First Niles Financial Inc

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, statement savings, 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, bill pay, 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.

Fundamental data was last updated by Penke on 2024-05-16 14:01:05.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is unable to pay all its short-term debts.
The company is unable to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is fair priced.
Based on how much money comes from the company's main activities, the company is underpriced.

1.1. Profitability of First Niles Financial Inc.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit First Niles Financial Inc earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare First Niles Financial Inc to the Banks - Regional industry mean.
  • A Net Profit Margin of 7.8% means that $0.08 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of First Niles Financial Inc:

  • The MRQ is 7.8%. The company is making a profit. +1
  • The TTM is 7.8%. The company is making a profit. +1
Trends
Current periodCompared to+/- 
MRQ7.8%TTM7.8%0.0%
TTM7.8%YOY3.0%+4.8%
TTM7.8%5Y7.9%0.0%
5Y7.9%10Y8.0%-0.2%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ7.8%38.5%-30.7%
TTM7.8%29.6%-21.8%
YOY3.0%26.3%-23.3%
5Y7.9%23.6%-15.7%
10Y8.0%20.4%-12.4%
1.1.2. Return on Assets

Shows how efficient First Niles Financial Inc is using its assets to generate profit.

  • Above 5% is considered healthy but always compare First Niles Financial Inc to the Banks - Regional industry mean.
  • 0.5% Return on Assets means that First Niles Financial Inc generated $0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of First Niles Financial Inc:

  • The MRQ is 0.5%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.5%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.5%TTM0.5%0.0%
TTM0.5%YOY0.2%+0.3%
TTM0.5%5Y85.2%-84.7%
5Y85.2%10Y64.8%+20.4%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.5%0.3%+0.2%
TTM0.5%0.2%+0.3%
YOY0.2%0.2%0.0%
5Y85.2%0.2%+85.0%
10Y64.8%0.2%+64.6%
1.1.3. Return on Equity

Shows how efficient First Niles Financial Inc is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare First Niles Financial Inc to the Banks - Regional industry mean.
  • 5.9% Return on Equity means First Niles Financial Inc generated $0.06 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of First Niles Financial Inc:

  • The MRQ is 5.9%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 5.9%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ5.9%TTM5.9%0.0%
TTM5.9%YOY1.9%+4.0%
TTM5.9%5Y667.0%-661.1%
5Y667.0%10Y851.4%-184.4%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ5.9%3.1%+2.8%
TTM5.9%2.5%+3.4%
YOY1.9%2.7%-0.8%
5Y667.0%2.5%+664.5%
10Y851.4%2.8%+848.6%

1.2. Operating Efficiency of First Niles Financial Inc.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient First Niles Financial Inc is operating .

  • Measures how much profit First Niles Financial Inc makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare First Niles Financial Inc to the Banks - Regional industry mean.
  • An Operating Margin of 0.0% means the company generated $0.00  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of First Niles Financial Inc:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY-1.1%+1.1%
TTM-5Y-0.8%+0.8%
5Y-0.8%10Y1.1%-1.9%
1.2.2. Operating Ratio

Measures how efficient First Niles Financial Inc is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.13 means that the operating costs are $0.13 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of First Niles Financial Inc:

  • The MRQ is 0.133. The company is very efficient in keeping operating costs low. +2
  • The TTM is 0.133. The company is very efficient in keeping operating costs low. +2
Trends
Current periodCompared to+/- 
MRQ0.133TTM0.1330.000
TTM0.133YOY0.146-0.013
TTM0.1335Y0.121+0.012
5Y0.12110Y-0.080+0.201

1.3. Liquidity of First Niles Financial Inc.

1.3. Liquidity
1.3.1. Current Ratio

Measures if First Niles Financial Inc is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.35 means the company has $0.35 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of First Niles Financial Inc:

  • The MRQ is 0.348. The company is unable to pay all its short-term debts. -2
  • The TTM is 0.348. The company is unable to pay all its short-term debts. -2
Trends
Current periodCompared to+/- 
MRQ0.348TTM0.3480.000
TTM0.348YOY0.189+0.159
TTM0.3485Y7.997-7.649
5Y7.99710Y13.178-5.181
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM0.3480.124+0.224
YOY0.1890.167+0.022
5Y7.9970.207+7.790
10Y13.1780.131+13.047
1.3.2. Quick Ratio

Measures if First Niles Financial Inc is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare First Niles Financial Inc to the Banks - Regional industry mean.
  • A Quick Ratio of -0.33 means the company can pay off $-0.33 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of First Niles Financial Inc:

  • The MRQ is -0.327. The company is unable to pay all its short-term debts with the most liquid assets. -2
  • The TTM is -0.327. The company is unable to pay all its short-term debts with the most liquid assets. -2
Trends
Current periodCompared to+/- 
MRQ-0.327TTM-0.3270.000
TTM-0.327YOY0.159-0.486
TTM-0.3275Y6.834-7.161
5Y6.83410Y15.059-8.225

1.4. Solvency of First Niles Financial Inc.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of First Niles Financial Inc assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare First Niles Financial Inc to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.91 means that First Niles Financial Inc assets are financed with 91.3% credit (debt) and the remaining percentage (100% - 91.3%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of First Niles Financial Inc:

  • The MRQ is 0.913. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.913. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.913TTM0.9130.000
TTM0.913YOY0.902+0.011
TTM0.9135Y0.892+0.021
5Y0.89210Y0.709+0.182
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9130.915-0.002
TTM0.9130.916-0.003
YOY0.9020.918-0.016
5Y0.8920.919-0.027
10Y0.7090.926-0.217
1.4.2. Debt to Equity Ratio

Measures if First Niles Financial Inc is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare First Niles Financial Inc to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,048.5% means that company has $10.49 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of First Niles Financial Inc:

  • The MRQ is 10.485. The company is unable to pay all its debts with equity. -1
  • The TTM is 10.485. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ10.485TTM10.4850.000
TTM10.485YOY9.186+1.299
TTM10.4855Y8.243+2.242
5Y8.24310Y6.736+1.507
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ10.48510.799-0.314
TTM10.48510.909-0.424
YOY9.18611.266-2.080
5Y8.24311.324-3.081
10Y6.73612.886-6.150

2. Market Valuation of First Niles Financial Inc

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings First Niles Financial Inc generates.

  • Above 15 is considered overpriced but always compare First Niles Financial Inc to the Banks - Regional industry mean.
  • A PE ratio of 16.50 means the investor is paying $16.50 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of First Niles Financial Inc:

  • The EOD is 15.673. Based on the earnings, the company is fair priced.
  • The MRQ is 16.498. Based on the earnings, the company is fair priced.
  • The TTM is 16.498. Based on the earnings, the company is fair priced.
Trends
Current periodCompared to+/- 
EOD15.673MRQ16.498-0.825
MRQ16.498TTM16.4980.000
TTM16.498YOY57.925-41.427
TTM16.4985Y31.219-14.720
5Y31.21910Y74.677-43.458
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD15.6733.756+11.917
MRQ16.4983.418+13.080
TTM16.4984.741+11.757
YOY57.9256.901+51.024
5Y31.2199.496+21.723
10Y74.6779.770+64.907
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of First Niles Financial Inc:

  • The EOD is 14.658. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 15.429. Based on how much money comes from the company's main activities, the company is underpriced. +1
  • The TTM is 15.429. Based on how much money comes from the company's main activities, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD14.658MRQ15.429-0.771
MRQ15.429TTM15.4290.000
TTM15.429YOY-43.315+58.744
TTM15.4295Y3,399.239-3,383.810
5Y3,399.23910Y3,492.920-93.681
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD14.658-2.594+17.252
MRQ15.429-2.360+17.789
TTM15.429-1.072+16.501
YOY-43.3156.461-49.776
5Y3,399.2390.248+3,398.991
10Y3,492.9200.032+3,492.888
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of First Niles Financial Inc is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.98 means the investor is paying $0.98 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of First Niles Financial Inc:

  • The EOD is 0.927. Based on the equity, the company is cheap. +2
  • The MRQ is 0.976. Based on the equity, the company is cheap. +2
  • The TTM is 0.976. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.927MRQ0.976-0.049
MRQ0.976TTM0.9760.000
TTM0.976YOY1.111-0.135
TTM0.9765Y148.629-147.653
5Y148.62910Y140.529+8.100
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.9270.462+0.465
MRQ0.9760.420+0.556
TTM0.9760.439+0.537
YOY1.1110.594+0.517
5Y148.6290.763+147.866
10Y140.5290.991+139.538
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of First Niles Financial Inc compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.3880.3880%-1.638+522%2.047-81%0.096+302%
Book Value Per Share--10.24810.2480%9.860+4%8.644+19%24.207-58%
Current Ratio--0.3480.3480%0.189+84%7.997-96%13.178-97%
Debt To Asset Ratio--0.9130.9130%0.902+1%0.892+2%0.709+29%
Debt To Equity Ratio--10.48510.4850%9.186+14%8.243+27%6.736+56%
Dividend Per Share--0.2450.2450%0.000+99900%0.049+398%0.066+273%
Eps--0.6060.6060%0.189+221%0.387+57%0.288+110%
Free Cash Flow Per Share--0.6480.6480%-0.253+139%0.356+82%0.300+116%
Free Cash Flow To Equity Per Share--17.34617.3460%7.575+129%7.033+147%4.418+293%
Gross Profit Margin--1.0001.0000%-20.052+2105%-5.725+673%-2.363+336%
Intrinsic Value_10Y_max--9.827--------
Intrinsic Value_10Y_min--1.407--------
Intrinsic Value_1Y_max--0.583--------
Intrinsic Value_1Y_min--0.263--------
Intrinsic Value_3Y_max--2.058--------
Intrinsic Value_3Y_min--0.689--------
Intrinsic Value_5Y_max--3.902--------
Intrinsic Value_5Y_min--1.001--------
Market Cap10574165.000-26%13330670.00013330670.0000%14597083.650-9%12286255.260+9%9142943.080+46%
Net Profit Margin--0.0780.0780%0.030+160%0.0790%0.080-2%
Operating Margin----0%-0.0110%-0.0080%0.011-100%
Operating Ratio--0.1330.1330%0.146-9%0.121+10%-0.080+160%
Pb Ratio0.927-5%0.9760.9760%1.111-12%148.629-99%140.529-99%
Pe Ratio15.673-5%16.49816.4980%57.925-72%31.219-47%74.677-78%
Price Per Share9.500-5%10.00010.0000%10.950-9%10.0380%7.714+30%
Price To Free Cash Flow Ratio14.658-5%15.42915.4290%-43.315+381%3399.239-100%3492.920-100%
Price To Total Gains Ratio15.023-5%15.81315.8130%-6.687+142%1492.614-99%936.153-98%
Quick Ratio---0.327-0.3270%0.159-306%6.834-105%15.059-102%
Return On Assets--0.0050.0050%0.002+174%0.852-99%0.648-99%
Return On Equity--0.0590.0590%0.019+209%6.670-99%8.514-99%
Total Gains Per Share--0.6320.6320%-1.637+359%2.097-70%0.162+291%
Usd Book Value--13661000.00013661000.0000%13143999.000+4%10717159.400+27%27491721.300-50%
Usd Book Value Change Per Share--0.3880.3880%-1.638+522%2.047-81%0.096+302%
Usd Book Value Per Share--10.24810.2480%9.860+4%8.644+19%24.207-58%
Usd Dividend Per Share--0.2450.2450%0.000+99900%0.049+398%0.066+273%
Usd Eps--0.6060.6060%0.189+221%0.387+57%0.288+110%
Usd Free Cash Flow--864000.000864000.0000%-337000.000+139%432511.400+100%285599.300+203%
Usd Free Cash Flow Per Share--0.6480.6480%-0.253+139%0.356+82%0.300+116%
Usd Free Cash Flow To Equity Per Share--17.34617.3460%7.575+129%7.033+147%4.418+293%
Usd Market Cap10574165.000-26%13330670.00013330670.0000%14597083.650-9%12286255.260+9%9142943.080+46%
Usd Price Per Share9.500-5%10.00010.0000%10.950-9%10.0380%7.714+30%
Usd Profit--808000.000808000.0000%252000.000+221%474600.000+70%343200.000+135%
Usd Revenue--10315000.00010315000.0000%8351000.000+24%6558600.000+57%4591800.000+125%
Usd Total Gains Per Share--0.6320.6320%-1.637+359%2.097-70%0.162+291%
 EOD+4 -4MRQTTM+0 -0YOY+28 -75Y+21 -1410Y+22 -14

3.2. Fundamental Score

Let's check the fundamental score of First Niles Financial Inc based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1515.673
Price to Book Ratio (EOD)Between0-10.927
Net Profit Margin (MRQ)Greater than00.078
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than1-0.327
Current Ratio (MRQ)Greater than10.348
Debt to Asset Ratio (MRQ)Less than10.913
Debt to Equity Ratio (MRQ)Less than110.485
Return on Equity (MRQ)Greater than0.150.059
Return on Assets (MRQ)Greater than0.050.005
Total3/10 (30.0%)

3.3. Technical Score

Let's check the technical score of First Niles Financial Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5059.793
Ma 20Greater thanMa 509.500
Ma 50Greater thanMa 1009.227
Ma 100Greater thanMa 2009.186
OpenGreater thanClose9.500
Total3/5 (60.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2019-12-312020-12-312021-12-312022-12-312023-12-31
Cash And Cash Equivalents  222,64822,6503,85126,501-19,7776,724-21,312-14,588
Cash and Short Term Investments  222,64822,6503,85126,501-19,7776,724-21,312-14,588
EBITDA  0-45-4514-31-5-368852



Latest Balance Sheet

Balance Sheet of 2023-12-31. All numbers in thousands.

Summary
Total Assets156,897
Total Liabilities143,236
Total Stockholder Equity13,661
 As reported
Total Liabilities 143,236
Total Stockholder Equity+ 13,661
Total Assets = 156,897

Assets

Total Assets156,897
Total Current Assets15,554
Long-term Assets141,343
Total Current Assets
Cash And Cash Equivalents -14,588
Other Current Assets 15,554
Total Current Assets  (as reported)15,554
Total Current Assets  (calculated)966
+/- 14,588
Long-term Assets
Property Plant Equipment 1,187
Long-term Assets Other 126,569
Long-term Assets  (as reported)141,343
Long-term Assets  (calculated)127,756
+/- 13,587

Liabilities & Shareholders' Equity

Total Current Liabilities44,639
Long-term Liabilities98,597
Total Stockholder Equity13,661
Total Current Liabilities
Short-term Debt 4,637
Other Current Liabilities 40,002
Total Current Liabilities  (as reported)44,639
Total Current Liabilities  (calculated)44,639
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)98,597
Long-term Liabilities  (calculated)0
+/- 98,597
Total Stockholder Equity
Common Stock18
Retained Earnings 13,599
Accumulated Other Comprehensive Income -1,846
Other Stockholders Equity 1,890
Total Stockholder Equity (as reported)13,661
Total Stockholder Equity (calculated)13,661
+/-0
Other
Cash and Short Term Investments -14,588
Common Stock Shares Outstanding 1,333
Liabilities and Stockholders Equity 156,897
Net Debt 68,549
Net Working Capital -29,085
Short Long Term Debt Total 53,961



Balance Sheet

All numbers in thousands.

 Trend2023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-312015-12-312014-12-312013-12-312012-12-312011-12-312010-12-312009-12-312008-12-312007-12-312006-12-312005-12-312004-12-312003-12-312002-12-312001-12-312000-12-311999-12-311998-12-31
> Total Assets 
86,700
80,400
77,554
96,107
100,635
100,033
99,229
98,516
96,784
100,917
100,872
104,085
105,142
103,805
102,152
96,776
96,437
98,472
97,472
99,844
99
100
109,691
124,497
133,890
156,897
156,897133,890124,497109,6911009999,84497,47298,47296,43796,776102,152103,805105,142104,085100,872100,91796,78498,51699,229100,033100,63596,10777,55480,40086,700
   > Total Current Assets 
17,400
8,300
4,176
6,982
10,738
7,991
6,757
5,170
0
0
0
0
0
0
0
5,777
7,767
6,084
0
0
3
2
45,933
37,183
8,009
15,554
15,5548,00937,18345,93323006,0847,7675,77700000005,1706,7577,99110,7386,9824,1768,30017,400
       Cash And Cash Equivalents 
17,100
7,900
3,833
6,247
9,980
7,288
6,178
4,591
1,384
1,195
480
843
561
718
714
5,454
7,479
5,783
0
0
3
2
22,650
26,501
6,724
-14,588
-14,5886,72426,50122,65023005,7837,4795,4547147185618434801,1951,3844,5916,1787,2889,9806,2473,8337,90017,100
       Short-term Investments 
0
0
2,864
5,080
8,438
6,428
5,103
3,103
1,512
1,286
2,850
3,240
3,616
7,859
14,765
4,743
6,624
0
0
0
0
0
0
0
0
0
0000000006,6244,74314,7657,8593,6163,2402,8501,2861,5123,1035,1036,4288,4385,0802,86400
       Net Receivables 
300
400
343
735
758
703
579
579
0
0
0
0
0
0
0
323
288
301
0
0
0
0
0
0
0
0
000000003012883230000000579579703758735343400300
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
6,478
0
0
292
304
45,933
37,183
8,009
15,554
15,5548,00937,18345,933304292006,47800000000000000000
   > Long-term Assets 
32,500
34,000
36,919
48,294
48,417
52,001
48,076
44,283
0
0
0
0
0
0
0
62,985
60,178
60,926
0
0
96
98
63,758
87,314
125,881
141,343
141,343125,88187,31463,75898960060,92660,17862,985000000044,28348,07652,00148,41748,29436,91934,00032,500
       Property Plant Equipment 
300
200
341
348
334
295
289
330
314
281
293
297
298
291
302
296
319
291
0
0
0
0
321
331
1,507
1,187
1,1871,5073313210000291319296302291298297293281314330289295334348341200300
       Goodwill 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,668
1,668
0
01,6681,66800000000000000000000000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
84,141
59,859
60,635
50,127
48,043
43,656
0
0
0
0
0
0000043,65648,04350,12760,63559,85984,141000000000000000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,668
1,668
0
01,6681,66800000000000000000000000
       Other Assets 
36,800
38,100
36,459
40,831
41,480
40,041
44,396
49,063
1,343
1,530
1,530
1,834
1,603
953
900
28,014
28,492
31,462
47,345
51,801
47,298
97,591
75,370
77,424
0
0
0077,42475,37097,59147,29851,80147,34531,46228,49228,0149009531,6031,8341,5301,5301,34349,06344,39640,04141,48040,83136,45938,10036,800
> Total Liabilities 
400
61,900
58,796
78,141
82,302
83,403
82,816
82,120
80,631
85,038
85,693
91,255
92,847
90,202
26,000
86,390
84,486
86,365
26
28
87
87
96,774
110,646
120,746
143,236
143,236120,746110,64696,7748787282686,36584,48686,39026,00090,20292,84791,25585,69385,03880,63182,12082,81683,40382,30278,14158,79661,900400
   > Total Current Liabilities 
400
100
120
173
145
132
130
152
0
0
0
0
0
0
0
280
269
278
59,418
59,030
0
0
6,076
8,362
42,292
44,639
44,63942,2928,3626,0760059,03059,4182782692800000000152130132145173120100400
       Short-term Debt 
300
0
0
0
0
0
0
0
0
0
0
0
0
0
0
24,000
25,000
5,500
0
0
0
0
6,000
8,288
5,695
4,637
4,6375,6958,2886,00000005,50025,00024,00000000000000000300
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
24,000
25,000
0
0
0
0
0
0
0
0
0
00000000025,00024,000000000000000000
       Accounts payable 
100
100
120
173
145
132
130
152
59,747
56,913
59,791
63,909
62,455
59,830
62,739
280
269
278
59,418
59,030
58,128
61,915
66,551
81,902
0
0
0081,90266,55161,91558,12859,03059,41827826928062,73959,83062,45563,90959,79156,91359,747152130132145173120100100
       Other Current Liabilities 
-400
-100
-120
-173
-145
-132
-130
-152
0
0
0
0
0
0
0
-280
-269
-5,500
0
0
0
0
76
74
36,597
40,002
40,00236,59774760000-5,500-269-2800000000-152-130-132-145-173-120-100-400
   > Long-term Liabilities 
0
6,000
5,000
19,500
19,500
20,500
20,500
20,500
0
0
0
0
0
0
26,000
24,000
25,000
26,500
26
28
87
87
90,698
102,284
78,454
98,597
98,59778,454102,28490,6988787282626,50025,00024,00026,00000000020,50020,50020,50019,50019,5005,0006,0000
       Other Liabilities 
0
0
1,602
1,580
1,907
967
858
818
884
831
402
346
592
372
290
280
269
279
268
246
372
298
0
0
0
0
00002983722462682792692802903725923464028318848188589671,9071,5801,60200
> Total Stockholder Equity
29,900
18,500
18,758
17,966
18,333
16,630
16,413
16,396
16,153
15,879
15,179
12,830
12,295
13,603
20,407
10,386
11,951
12,107
12
12
12
13
12,917
15,305
13,144
13,661
13,66113,14415,30512,9171312121212,10711,95110,38620,40713,60312,29512,83015,17915,87916,15316,39616,41316,63018,33317,96618,75818,50029,900
   Common Stock
0
0
18
18
18
18
18
18
18
18
18
18
18
18
7,063
18
18
18
7
7
0
0
18
18
18
18
1818181800771818187,06318181818181818181818181800
   Retained Earnings 
12,700
13,100
13,334
13,506
13,766
14,078
14,316
14,523
14,545
14,156
14,057
12,862
12,353
13,739
13,344
12,795
12,792
12,776
13
13
13
13
13,137
13,424
13,350
13,599
13,59913,35013,42413,1371313131312,77612,79212,79513,34413,73912,35312,86214,05714,15614,54514,52314,31614,07813,76613,50613,33413,10012,700
   Accumulated Other Comprehensive Income 
1,600
-1,000
113
402
1,194
380
311
23
0
0
0
0
0
0
0
-2,122
-546
-369
-8
-8
-1
0
98
-27
-2,114
-1,846
-1,846-2,114-27980-1-8-8-369-546-2,1220000000233113801,194402113-1,0001,600
   Capital Surplus 00000000000000000000000000
   Treasury Stock000000000-7,358-7,350-7,276-7,199-7,121-7,095-5,873-5,183-5,183-5,183-5,183-4,725-3,533-2,757-1,45500
   Other Stockholders Equity 
15,600
6,400
5,293
4,040
3,355
2,154
1,768
1,832
0
0
0
0
0
0
-20,407
-305
-313
-318
-7,912
-7,821
0
0
-336
1,890
1,890
1,890
1,8901,8901,890-33600-7,821-7,912-318-313-305-20,4070000001,8321,7682,1543,3554,0405,2936,40015,600



Balance Sheet

All numbers in thousands.




Cash Flow

All numbers in thousands.