FNFI (First Niles Financial) EPS without NRI: $0.60 (TTM As of Dec. 2025)

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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 EPS without NRI?

First Niles Financial FNFI 51 EPS without NRI is $0.60 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. Among 1,414 Banks companies, First Niles Financial ranks better than 93.92% on this metric.

First Niles Financial's earnings per share without non-recurring items for the six months ended in Dec. 2025 was $0.60. Its earnings per share without non-recurring items for the trailing twelve months (TTM) ended in Dec. 2025 was $0.60.

During the past 12 months, First Niles Financial's average earnings per share (NRI) Growth Rate was -6.30% per year. During the past 3 years, the average earnings per share (NRI) Growth Rate was 49.40% per year. During the past 5 years, the average earnings per share (NRI) Growth Rate was 18.90% per year. During the past 10 years, the average earnings per share (NRI) Growth Rate was 11.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EPS without NRI Growth Rate using Earnings per share without Non-Recurring Items (NRI) data.

The historical rank and industry rank for First Niles Financial's EPS without NRI or its related term are showing as below:

FNFI' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -36.7   Med: 5.9   Max: 49.4
Current: 49.4

During the past 13 years, First Niles Financial's highest 3-Year average Earnings Per Share (NRI) Growth Rate was 49.40% per year. The lowest was -36.70% per year. And the median was 5.90% per year.

FNFI's 3-Year EPS without NRI Growth Rate is ranked better than
93.92% of 1414 companies
in the Banks industry
Industry Median: 7.3 vs FNFI: 49.40

First Niles Financial's EPS (Diluted) for the six months ended in Dec. 2025 was $0.60. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.60.

First Niles Financial's EPS (Basic) for the six months ended in Dec. 2025 was $0.60. Its EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.60.


First Niles Financial  (OTCPK:FNFI) EPS without NRI Explanation

EPS without NRI removes onetime and unusual items from EPS, to provide investors with a more accurate measure of the company’s true earnings. The earnings are adjusted for items that are irregular or unusual in nature, and/or are non-recurring. This is calculated using Net Income (Continuing Operations) plus/minus any tax affected unusual Items and Goodwill Impairments/Write Offs. This can be used to fairly measure a company's profitability.


Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.


First Niles Financial EPS without NRI Related Terms


First Niles Financial EPS without NRI Historical Data

* Premium members only.

The historical data trend for First Niles Financial's EPS without NRI 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 EPS without NRI Chart

First Niles Financial Annual Data
Trend Dec15 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS without NRI
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.48 0.18 0.60 0.64 0.60

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
EPS without NRI 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 0.48 0.18 0.60 0.64 0.60

FNFI vs GLBZ, ASCN, SRNN: EPS without NRI Comparison

For the Banks - Regional subindustry, First Niles Financial's PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI 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 PE Ratio without NRI vs Banks Industry

For the Banks industry and Financial Services sector, First Niles Financial's PE Ratio without NRI distribution charts can be found below:

* The bar in red indicates where First Niles Financial's PE Ratio without NRI falls into.


FNFI
51GF Score
First Niles Financial Inc FNFI
EPS without NRI is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

First Niles Financial EPS without NRI Calculation

Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Earnings Per Share without Non-Recurring Items is the amount of earnings without non-recurring items per outstanding share of the company's stock.

For stock reported annually, GuruFocus uses latest annual data as the TTM data. EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 was $0.60

* 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 EPS without NRI →
What does a EPS without NRI of $0.60 mean?
First Niles Financial (FNFI) has a EPS without NRI of $0.60 as of Dec. 2025. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on First Niles Financial and its competitors. According to the industry distribution chart, First Niles Financial ranks #86 out of 1414 companies in the Banks industry, placing it in the top 6.1%.
Is First Niles Financial's EPS without NRI too high?
First Niles Financial's current EPS without NRI is $0.60. The Banks industry median EPS without NRI is 7.30. First Niles Financial's value of $0.60 is 91.8% below this industry median. Based on the distribution chart, First Niles Financial ranks #86 out of 1414 companies in the Banks industry, which is in the top quartile — a strong position 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 EPS without NRI compare to GLBZ and ASCN?
According to the Banks industry distribution chart, First Niles Financial ranks #86 out of 1414 companies for EPS without NRI. This places First Niles Financial in the top 6% of its industry — outperforming the majority of peers. The industry median EPS without NRI is 7.30. First Niles Financial's value of $0.60 is 91.8% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EPS without NRI for a Banks company?
The median EPS without NRI among Banks companies is 7.30, based on 1,414 companies in the industry. Companies in the top quartile (top 25%) have a EPS without NRI significantly above this median, while those in the bottom quartile fall well below. However, EPS without NRI should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Niles Financial's current EPS without NRI of $0.60 is 91.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EPS without NRI mean?
A high EPS without NRI can signal that a stock is expensive relative to its fundamentals. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on First Niles Financial and its competitors. For the Banks industry, the median EPS without NRI is 7.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Niles Financial's current EPS without NRI is $0.60. 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 EPS without NRI is $0.60 and 91.8% below the Banks industry median of 7.30. 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 EPS without NRI calculated?
EPS without NRI is calculated from a company's financial statements. For First Niles Financial (FNFI), the current EPS without NRI is $0.60 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 $8.65 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:

  • EPS without NRI: $0.60
  • GF Value™: $10.77 vs. price of $8.65 (19.7% below fair value)
  • GF Score™: 51/100 with 4 warning signs
  • Industry Position: 91.8% below the Banks median (#86 of 1414)

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

EPS without NRI is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$8.65
Price
$10.77
GF Value