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First Niles FinancialFNFI +0.69%51 Dividend Payout Ratio is 0.40 as of Dec. 2025, which is 25% below its 10-year median of 0.53. 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 1,175 Banks companies, First Niles Financial ranks worse than 62.98% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. First Niles Financial's Dividend Payout Ratio for the
months ended in Dec. 2025 was 0.40.
The historical rank and industry rank for First Niles Financial's Dividend Payout Ratio or its related term are showing as below:
FNFI'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.38 Med: 0.53 Max: 1.33
Current: 0.4
During the past 13 years, the highest Dividend Payout Ratio of First Niles Financial was 1.33. The lowest was 0.38. And the median was 0.53.
FNFI's Dividend Payout Ratio is ranked worse than 62.98% of 1175
companies
in the Banks industry
Industry Median: 0.32
vs FNFI: 0.40
During the past 13 years, the highest Trailing Annual Dividend Yield of First Niles Financial was 3.22%. The lowest was 1.43%. And the median was 2.29%.
During the past 10 years, the average Dividends Per Share Growth Rate was 3.10% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of First Niles Financial was 14.50% per year. The lowest was -32.10% per year. And the median was 0.00% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
First Niles Financial (OTCPK:FNFI) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
First Niles Financial Dividend Payout Ratio Related Terms
First Niles Financial Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for First Niles Financial's Dividend Payout 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.
FNFI vs GLBZ, ASCN, SRNN: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, First Niles Financial's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, First Niles Financial's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where First Niles Financial's Dividend Payout Ratio falls into.
First Niles Financial Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
First Niles Financial's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Dividend Payout Ratio of 0.40 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on First Niles Financial and its competitors. This is 25% below median its historical median of 0.53. Over the past decade, First Niles Financial's Dividend Payout Ratio has ranged from 0.38 to 1.33. According to the industry distribution chart, First Niles Financial ranks #740 out of 1175 companies in the Banks industry, placing it in the top 63%.
Is First Niles Financial's Dividend Payout Ratio too high?
First Niles Financial's current Dividend Payout Ratio of 0.40 is 25% below median its 10-year median of 0.53. Over the past 10 years, this metric has ranged from a low of 0.38 to a high of 1.33. The Banks industry median Dividend Payout Ratio is 0.32. First Niles Financial's value of 0.40 is 25% above this industry median. Based on the distribution chart, First Niles Financial ranks #740 out of 1175 companies in the Banks industry, which is below the industry midpoint. 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 Dividend Payout Ratio compare to GLBZ and ASCN?
According to the Banks industry distribution chart, First Niles Financial ranks #740 out of 1175 companies for Dividend Payout Ratio. This places First Niles Financial in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. First Niles Financial's value of 0.40 is 25% above this benchmark. Historically, First Niles Financial's own Dividend Payout Ratio has ranged from 0.38 to 1.33 over the past decade. While the company's 10-year median is 0.53 vs. the industry median of 0.32, First Niles Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,175 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Niles Financial's current Dividend Payout Ratio of 0.40 is 25% above 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on First Niles Financial and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Niles Financial's current Dividend Payout Ratio is 0.40, which is 25% below median its own 10-year median of 0.53. 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 $8.71 — trading 19.1% below its estimated fair value. The current Dividend Payout Ratio is 0.40, which is 25% below median its 10-year median of 0.53 and 25% above the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For First Niles Financial (FNFI), the current Dividend Payout Ratio is 0.40 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:
Dividend Payout Ratio: 0.40 (25% below median its 10-year median of 0.53)
GF Value™: $10.77 vs. price of $8.71 (19.1% below fair value)
Industry Position: 25% above the Banks median (#740 of 1175)
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
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Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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