FNFI (First Niles Financial) Issuance of Debt: $4.60 Mil (TTM As of Dec. 2025)

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FNFI First Niles Financial Inc FNFI
51 GF Score
Price $8.71
GF Value $10.77
Valuation Modestly Undervalued
! 4 Warning Signs
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What is First Niles Financial Issuance of Debt?

First Niles Financial FNFI +0.69% 51 Issuance of Debt is $4.60 Mil as of Dec. 2025. 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.

First Niles Financial's Issuance of Debt for the six months ended in Dec. 2025 was $4.60 Mil.

First Niles Financial's Issuance of Debt for the trailing twelve months (TTM) ended in Dec. 2025 was $4.60 Mil.

First Niles Financial Issuance of Debt Related Terms

First Niles Financial Issuance of Debt Historical Data

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The historical data trend for First Niles Financial's Issuance of Debt 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 Issuance of Debt Chart

First Niles Financial Annual Data
Trend Dec15 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Issuance of Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 12.49 16.89 23.50 7.90 4.60

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
Issuance of Debt 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 12.49 16.89 23.50 7.90 4.60
FNFI
51GF Score
First Niles Financial Inc FNFI
Issuance of Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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First Niles Financial Issuance of Debt Calculation

Issuance of Debt represents all the cash inflow from debt, including both long-term debt and short-term debt.

For stock reported annually, GuruFocus uses latest annual data as the TTM data. Issuance of Debt for the trailing twelve months (TTM) ended in Dec. 2025 was $4.60 Mil.

* 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.

Frequently Asked Questions Learn more about Issuance of Debt →
What does a Issuance of Debt of $4.60 Mil mean?
First Niles Financial (FNFI) has a Issuance of Debt of $4.60 Mil as of Dec. 2025. Issuance of Debt is all the cash inflow from debt, including both long-term debt and short-term debt. View historical data on First Niles Financial and its competitors.
Is First Niles Financial's Issuance of Debt too high?
First Niles Financial's current Issuance of Debt is $4.60 Mil. 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 Issuance of Debt compare to GLBZ and ASCN?
First Niles Financial's Issuance of Debt of $4.60 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Issuance of Debt for a Banks company?
A good Issuance of Debt depends on the Banks industry context. However, Issuance of Debt 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 Issuance of Debt mean?
A high Issuance of Debt can signal that a stock is expensive relative to its fundamentals. Issuance of Debt is all the cash inflow from debt, including both long-term debt and short-term debt. View historical data on First Niles Financial and its competitors. First Niles Financial's current Issuance of Debt is $4.60 Mil. 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 $8.71 — trading 19.1% below its estimated fair value. The current Issuance of Debt is $4.60 Mil. 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 Issuance of Debt calculated?
Issuance of Debt is calculated from a company's financial statements. For First Niles Financial (FNFI), the current Issuance of Debt is $4.60 Mil as of Dec. 2025. 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 $8.71 is trading 19.1% below its estimated GF Value™ of $10.77. GuruFocus considers First Niles Financial to be Modestly Undervalued.

Key valuation signals for FNFI:

  • Issuance of Debt: $4.60 Mil
  • GF Value™: $10.77 vs. price of $8.71 (19.1% 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

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Issuance of Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$8.71
Price
$10.77
GF Value