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FNFI (First Niles Financial) Cyclically Adjusted PS Ratio : 2.21 (As of May. 29, 2025)


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What is First Niles Financial Cyclically Adjusted PS Ratio?

As of today (2025-05-29), First Niles Financial's current share price is $8.30. First Niles Financial's Cyclically Adjusted Revenue per Share for the fiscal year that ended in Dec24 was $3.75. First Niles Financial's Cyclically Adjusted PS Ratio for today is 2.21.

The historical rank and industry rank for First Niles Financial's Cyclically Adjusted PS Ratio or its related term are showing as below:

FNFI' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 2.02   Med: 3.64   Max: 5.41
Current: 2.21

During the past 13 years, First Niles Financial's highest Cyclically Adjusted PS Ratio was 5.41. The lowest was 2.02. And the median was 3.64.

FNFI's Cyclically Adjusted PS Ratio is ranked better than
62.64% of 1242 companies
in the Banks industry
Industry Median: 2.725 vs FNFI: 2.21

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

First Niles Financial's adjusted revenue per share data of for the fiscal year that ended in Dec24 was $6.001. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is $3.75 for the trailing ten years ended in Dec24.

Shiller PE for Stocks: The True Measure of Stock Valuation


First Niles Financial Cyclically Adjusted PS Ratio Historical Data

The historical data trend for First Niles Financial's Cyclically Adjusted PS Ratio 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.

* Premium members only.

First Niles Financial Cyclically Adjusted PS Ratio Chart

First Niles Financial Annual Data
Trend Dec14 Dec15 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.44 4.03 3.75 3.06 2.23

First Niles Financial Semi-Annual Data
Dec98 Dec99 Dec00 Dec01 Dec02 Dec03 Dec04 Dec05 Dec12 Dec13 Dec14 Dec15 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted PS Ratio 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 4.44 4.03 3.75 3.06 2.23

Competitive Comparison of First Niles Financial's Cyclically Adjusted PS Ratio

For the Banks - Regional subindustry, First Niles Financial's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio 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's Cyclically Adjusted PS Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, First Niles Financial's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where First Niles Financial's Cyclically Adjusted PS Ratio falls into.


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First Niles Financial Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

First Niles Financial's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=8.30/3.75
=2.21

* 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's Cyclically Adjusted Revenue per Share for the fiscal year that ended in Dec24 is calculated as:

For example, First Niles Financial's adjusted Revenue per Share data for the fiscal year that ended in Dec24 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Dec24 (Change)*Current CPI (Dec24)
=6.001/133.1571*133.1571
=6.001

Current CPI (Dec24) = 133.1571.

First Niles Financial Annual Data

Revenue per Share CPI Adj_RevenuePerShare
201412 1.997 99.070 2.684
201512 1.876 99.792 2.503
201712 1.835 104.011 2.349
201812 1.897 105.998 2.383
201912 2.134 108.420 2.621
202012 2.204 109.897 2.670
202112 4.696 117.630 5.316
202212 5.321 125.222 5.658
202312 5.192 129.419 5.342
202412 6.001 133.157 6.001

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


First Niles Financial  (OTCPK:FNFI) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


First Niles Financial Cyclically Adjusted PS Ratio Related Terms

Thank you for viewing the detailed overview of First Niles Financial's Cyclically Adjusted PS Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


First Niles Financial Business Description

Traded in Other Exchanges
N/A
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.

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