FNFI (First Niles Financial) Buyback Yield %: -15.44 (As of Jul. 27, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FNFI First Niles Financial Inc FNFI
51 GF Score
Price $8.65
GF Value $10.77
Valuation Modestly Undervalued
! 4 Warning Signs
View Full Analysis

What is First Niles Financial Buyback Yield %?

First Niles Financial FNFI 51 Buyback Yield % is -15.44 as of Jul. 27, 2026. GuruFocus rates FNFI with a GF Score™ of 51/100 and a GF Value™ of $10.77 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 607 Banks companies, First Niles Financial ranks worse than 96.87% on this metric.

Buyback yield is the net repurchase of shares outstanding over the market capital of the company. It is a measure of shareholder return.

First Niles Financial's current buyback yield was -15.44%.


First Niles Financial Buyback Yield % Historical Data

* Premium members only.

The historical data trend for First Niles Financial's Buyback Yield % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

First Niles Financial Buyback Yield % Chart

First Niles Financial Annual Data
Trend Dec15 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Buyback Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 -16.69

First Niles Financial Semi-Annual Data
Dec99 Dec00 Dec01 Dec02 Dec03 Dec04 Dec05 Dec12 Dec13 Dec14 Dec15 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Buyback Yield % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 -16.69

FNFI vs GLBZ, ASCN, SRNN: Buyback Yield % Comparison

For the Banks - Regional subindustry, First Niles Financial's Buyback Yield %, along with its competitors' market caps and Buyback Yield % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


First Niles Financial Buyback Yield % vs Banks Industry

For the Banks industry and Financial Services sector, First Niles Financial's Buyback Yield % distribution charts can be found below:

* The bar in red indicates where First Niles Financial's Buyback Yield % falls into.


FNFI
51GF Score
First Niles Financial Inc FNFI
Buyback Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

First Niles Financial Buyback Yield % Calculation

Buyback yield is a measure of shareholder return.

First Niles Financial's Buyback Yield for the fiscal year that ended in Dec. 2025 is calculated as

Buyback Yield=Net Issuance of Stock / Market Cap
=- (Repurchase of Stock + Issuance of Stock) / Market Cap
=- (0 + 2.055) / 12.312
=-16.69%

First Niles Financial's annualized Buyback Yield for the quarter that ended in Dec. 2025 is calculated as

Buyback Yield=Net Issuance of Stock(TTM) / Market Cap
=- (Repurchase of Stock + Issuance of Stock) (TTM)** / Market Cap
=- (0 + 2.055) / 12.312
=-16.69%

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

** If the quarter corresponds to the year-end period, we will use the annual Repurchase of Stock and Issuance of Stock data .

Frequently Asked Questions Learn more about Buyback Yield % →
What does a Buyback Yield % of -15.44 mean?
First Niles Financial (FNFI) has a Buyback Yield % of -15.44 as of Jul. 27, 2026. Share buyback yield equals the net issuance of stock divided by market cap. View historical data on First Niles Financial and its competitors. According to the industry distribution chart, First Niles Financial ranks #588 out of 607 companies in the Banks industry, placing it in the top 96.9%.
Is First Niles Financial's Buyback Yield % too high?
First Niles Financial's current Buyback Yield % is -15.44. Based on the distribution chart, First Niles Financial ranks #588 out of 607 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, First Niles Financial has a GF Score™ of 51/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does First Niles Financial's Buyback Yield % compare to GLBZ and ASCN?
According to the Banks industry distribution chart, First Niles Financial ranks #588 out of 607 companies for Buyback Yield %. This places First Niles Financial in the lower half of its industry. The industry median Buyback Yield % is 0.43. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Buyback Yield % for a Banks company?
The median Buyback Yield % among Banks companies is 0.43, based on 607 companies in the industry. Companies in the top quartile (top 25%) have a Buyback Yield % significantly above this median, while those in the bottom quartile fall well below. However, Buyback Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Buyback Yield % mean?
A high Buyback Yield % can signal that a stock is expensive relative to its fundamentals. Share buyback yield equals the net issuance of stock divided by market cap. View historical data on First Niles Financial and its competitors. For the Banks industry, the median Buyback Yield % is 0.43 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Niles Financial's current Buyback Yield % is -15.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Niles Financial stock overvalued right now?
Based on GuruFocus' analysis, First Niles Financial (FNFI) is currently considered Modestly Undervalued. The stock's GF Value™ is $10.77, compared to a current price of $8.65 — trading 19.7% below its estimated fair value. The current Buyback Yield % is -15.44. First Niles Financial's overall GF Score™ is 51/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Buyback Yield % calculated?
Buyback Yield % is calculated from a company's financial statements. For First Niles Financial (FNFI), the current Buyback Yield % is -15.44 as of Jul. 27, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is First Niles Financial (FNFI) Overvalued in 2026?

Based on GuruFocus' analysis, First Niles Financial stock appears to be undervalued. The current stock price of $8.65 is trading 19.7% below its estimated GF Value™ of $10.77. GuruFocus considers First Niles Financial to be Modestly Undervalued.

Key valuation signals for FNFI:

  • Buyback Yield %: -15.44
  • GF Value™: $10.77 vs. price of $8.65 (19.7% below fair value)
  • GF Score™: 51/100 with 4 warning signs

No single metric tells the full story. See the FNFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


First Niles Financial Business Description

Address 55 North Main Street, P.O. Box 311, Niles, OH, USA, 44446-0311
First Niles Financial Inc is a unitary, non-diversified holding company. It conducts a general banking business in Niles, Ohio, which consists of attracting deposits from the general public and applying those funds to the origination of loans for residential, commercial, and consumer purposes. The primary sources of revenue for the company are from interest and dividend income on loans and securities along with noninterest revenue resulting from investment security gains, loan servicing, gains on the sale of loans, commitment fees, fees from financial guarantees, certain credit cards fees, and income on bank-owned life insurance. The Company has two reportable segments being Community Banking and Mortgage Banking.
51GF Score

Get the complete analysis for FNFI

Buyback Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$8.65
Price
$10.77
GF Value