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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, First Niles Financial's Enterprise Value is $51.83 Mil.
First Niles Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $-1.73 Mil. Therefore, First Niles Financial's EV-to-FCF for today is -29.96.
The historical rank and industry rank for First Niles Financial's EV-to-FCF or its related term are showing as below:
FNFI'
s EV-to-FCF Range Over the Past 10 Years
Min: -30.01 Med: 50.27 Max: 216.43
Current: -29.96
During the past 13 years, the highest EV-to-FCF of First Niles Financial was 216.43. The lowest was -30.01. And the median was 50.27.
FNFI's EV-to-FCF is ranked worse than 100% of 1197
companies
in the Banks industry
Industry Median: 6.85
vs FNFI: -29.96
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Niles Financial (OTCPK:FNFI) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Niles Financial's PE Ratio (TTM) for today is calculated as:
First Niles Financial's share price for today is $8.65.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. First Niles Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.600.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Banks - Regional subindustry, First Niles Financial's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, First Niles Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where First Niles Financial's EV-to-FCF falls into.
First Niles Financial's current Enterprise Value is $51.83 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. First Niles Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $-1.73 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.
First Niles Financial (FNFI) has a EV-to-FCF of -29.96 as of Jul. 27, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Niles Financial and its competitors. According to the industry distribution chart, First Niles Financial ranks #999999 out of 1197 companies in the Banks industry.
Is First Niles Financial's EV-to-FCF too high?
First Niles Financial's current EV-to-FCF is -29.96. Based on the distribution chart, First Niles Financial ranks #999999 out of 1197 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 EV-to-FCF compare to GLBZ and ASCN?
According to the Banks industry distribution chart, First Niles Financial ranks #999999 out of 1197 companies for EV-to-FCF. This places First Niles Financial in the lower half of its industry. The industry median EV-to-FCF is 6.85. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.85, based on 1,197 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Niles Financial and its competitors. For the Banks industry, the median EV-to-FCF is 6.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Niles Financial's current EV-to-FCF is -29.96. 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 EV-to-FCF is -29.96. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For First Niles Financial (FNFI), the current EV-to-FCF is -29.96 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:
EV-to-FCF: -29.96
GF Value™: $10.77 vs. price of $8.65 (19.7% below fair value)
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 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
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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