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First Niles FinancialFNFI 51 Pretax Margin % is 12.06% as of Dec. 2025, which is 11% below its 10-year median of 13.57. 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 1,527 Banks companies, First Niles Financial ranks worse than 89.46% on this metric.
The historical rank and industry rank for First Niles Financial's Pretax Margin % or its related term are showing as below:
FNFI'
s Pretax Margin % Range Over the Past 10 Years
Min: 6.18 Med: 13.57 Max: 27.27
Current: 12.06
FNFI's Pretax Margin % is ranked worse than 89.46% of 1527
companies
in the Banks industry
Industry Median: 35.2
vs FNFI: 12.06
First Niles Financial (OTCPK:FNFI) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
First Niles Financial Pretax Margin % Related Terms
First Niles Financial Pretax Margin % Historical Data
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The historical data trend for First Niles Financial's Pretax 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.
FNFI vs GLBZ, ASCN, SRNN: Pretax Margin % Comparison
For the Banks - Regional subindustry, First Niles Financial's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Niles Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where First Niles Financial's Pretax 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 Pretax Margin % of 12.06% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on First Niles Financial and its competitors. This is 11% below median its historical median of 13.57. Over the past decade, First Niles Financial's Pretax Margin % has ranged from 6.18 to 27.27. According to the industry distribution chart, First Niles Financial ranks #1366 out of 1527 companies in the Banks industry, placing it in the top 89.5%.
Is First Niles Financial's Pretax Margin % too high?
First Niles Financial's current Pretax Margin % of 12.06% is 11% below median its 10-year median of 13.57. Over the past 10 years, this metric has ranged from a low of 6.18 to a high of 27.27. The Banks industry median Pretax Margin % is 35.20. First Niles Financial's value of 12.06% is 65.7% below this industry median. Based on the distribution chart, First Niles Financial ranks #1366 out of 1527 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 Pretax Margin % compare to GLBZ and ASCN?
According to the Banks industry distribution chart, First Niles Financial ranks #1366 out of 1527 companies for Pretax Margin %. This places First Niles Financial in the lower half of its industry. The industry median Pretax Margin % is 35.20. First Niles Financial's value of 12.06% is 65.7% below this benchmark. Historically, First Niles Financial's own Pretax Margin % has ranged from 6.18 to 27.27 over the past decade. While the company's 10-year median is 13.57 vs. the industry median of 35.20, First Niles Financial has consistently been below 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 35.20, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Niles Financial's current Pretax Margin % of 12.06% is 65.7% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on First Niles Financial and its competitors. For the Banks industry, the median Pretax Margin % is 35.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Niles Financial's current Pretax Margin % is 12.06%, which is 11% below median its own 10-year median of 13.57. 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 Pretax Margin % is 12.06%, which is 11% below median its 10-year median of 13.57 and 65.7% below the Banks industry median of 35.20. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For First Niles Financial (FNFI), the current Pretax Margin % is 12.06% 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:
Pretax Margin %: 12.06% (11% below median its 10-year median of 13.57)
GF Value™: $10.77 vs. price of $8.65 (19.7% below fair value)
Industry Position: 65.7% below the Banks median (#1366 of 1527)
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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