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The historical rank and industry rank for First Niles Financial's FCF Margin % or its related term are showing as below:
FNFI'
s FCF Margin % Range Over the Past 10 Years
Min: -60.53 Med: 7.66 Max: 80.49
Current: -18.53
During the past 13 years, the highest FCF Margin % of First Niles Financial was 80.49%. The lowest was -60.53%. And the median was 7.66%.
FNFI's FCF Margin % is ranked worse than 79.92% of 1504
companies
in the Banks industry
Industry Median: 26.39
vs FNFI: -18.53
First Niles Financial FCF Margin % Related Terms
First Niles Financial FCF Margin % Historical Data
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The historical data trend for First Niles Financial's FCF Margin % 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.
For the Banks - Regional subindustry, First Niles Financial's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Niles Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where First Niles Financial's FCF Margin % falls into.
* 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 FCF Margin % of -18.53% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Niles Financial and its competitors. According to the industry distribution chart, First Niles Financial ranks #1202 out of 1504 companies in the Banks industry, placing it in the top 79.9%.
Is First Niles Financial's FCF Margin % too high?
First Niles Financial's current FCF Margin % is -18.53%. Based on the distribution chart, First Niles Financial ranks #1202 out of 1504 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 FCF Margin % compare to GLBZ and ASCN?
According to the Banks industry distribution chart, First Niles Financial ranks #1202 out of 1504 companies for FCF Margin %. This places First Niles Financial in the lower half of its industry. The industry median FCF Margin % is 26.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.39, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Niles Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Niles Financial's current FCF Margin % is -18.53%. 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 FCF Margin % is -18.53%. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For First Niles Financial (FNFI), the current FCF Margin % is -18.53% 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:
FCF Margin %: -18.53%
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
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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