FNFI (First Niles Financial) ROC (Joel Greenblatt) %: % (As of Dec. 2025)

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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FNFI First Niles Financial Inc FNFI
51 GF Score
Price $8.65
GF Value $10.77
Valuation Modestly Undervalued
! 4 Warning Signs
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What is First Niles Financial ROC (Joel Greenblatt) %?

First Niles Financial FNFI 51 ROC (Joel Greenblatt) % is % 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 46 Banks companies, First Niles Financial ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

FNFI
51GF Score
First Niles Financial Inc FNFI
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
First Niles Financial (FNFI) has a ROC (Joel Greenblatt) % of % as of Dec. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on First Niles Financial and its competitors. According to the industry distribution chart, First Niles Financial ranks #999999 out of 46 companies in the Banks industry.
Is First Niles Financial's ROC (Joel Greenblatt) % too high?
First Niles Financial's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, First Niles Financial ranks #999999 out of 46 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 ROC (Joel Greenblatt) % compare to GLBZ and ASCN?
According to the Banks industry distribution chart, First Niles Financial ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places First Niles Financial in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on First Niles Financial and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Niles Financial's current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For First Niles Financial (FNFI), the current ROC (Joel Greenblatt) % is % 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:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $10.77 vs. price of $8.65 (19.7% below fair value)
  • GF Score™: 51/100 with 4 warning signs

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

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$8.65
Price
$10.77
GF Value