FNFI (First Niles Financial) Total Liabilities: $139.27 Mil (As of Dec. 2025)

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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 Total Liabilities?

First Niles Financial FNFI 51 Total Liabilities is $139.27 Mil 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.

First Niles Financial's Total Liabilities for the quarter that ended in Dec. 2025 was $139.27 Mil.

First Niles Financial's quarterly Total Liabilities declined from Dec. 2023 ($143.24 Mil) to Dec. 2024 ($142.21 Mil) and declined from Dec. 2024 ($142.21 Mil) to Dec. 2025 ($139.27 Mil).

First Niles Financial's annual Total Liabilities declined from Dec. 2023 ($143.24 Mil) to Dec. 2024 ($142.21 Mil) and declined from Dec. 2024 ($142.21 Mil) to Dec. 2025 ($139.27 Mil).

First Niles Financial Total Liabilities Historical Data

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The historical data trend for First Niles Financial's Total Liabilities 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.

First Niles Financial Total Liabilities Chart

First Niles Financial Annual Data
Trend Dec15 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Liabilities
Get a 7-Day Free Trial Premium Member Only Premium Member Only 109.19 120.75 143.24 142.21 139.27

First Niles Financial Semi-Annual Data
Dec99 Dec00 Dec01 Dec02 Dec03 Dec04 Dec05 Dec12 Dec13 Dec14 Dec15 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Liabilities Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 109.19 120.75 143.24 142.21 139.27
FNFI
51GF Score
First Niles Financial Inc FNFI
Total Liabilities is just one metric. See GF Score™, valuation, warning signs, and more.
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First Niles Financial Total Liabilities Calculation

Total Liabilities are the liabilities that the company has to pay others. It is a part of the balance sheet of a company that shareholders do not own, and would be obligated to pay back if the company liquidated.

First Niles Financial's Total Liabilities for the fiscal year that ended in Dec. 2025 is calculated as

Total Liabilities=Total Assets (A: Dec. 2025 )-Total Equity (A: Dec. 2025 )
=156.642-17.369
=139.27

First Niles Financial's Total Liabilities for the quarter that ended in Dec. 2025 is calculated as

Total Liabilities=Total Assets (Q: Dec. 2025 )-Total Equity (Q: Dec. 2025 )
=156.642-17.369
=139.27

* 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.

Frequently Asked Questions Learn more about Total Liabilities →
What does a Total Liabilities of $139.27 Mil mean?
First Niles Financial (FNFI) has a Total Liabilities of $139.27 Mil as of Dec. 2025. The total amount of liabilities as recorded on a company's balance sheet. View historical data for First Niles Financial and its competitors.
Is First Niles Financial's Total Liabilities too high?
First Niles Financial's current Total Liabilities is $139.27 Mil. 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 Total Liabilities compare to GLBZ and ASCN?
First Niles Financial's Total Liabilities of $139.27 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Total Liabilities for a Banks company?
A good Total Liabilities depends on the Banks industry context. However, Total Liabilities 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 Total Liabilities mean?
A high Total Liabilities can signal that a stock is expensive relative to its fundamentals. The total amount of liabilities as recorded on a company's balance sheet. View historical data for First Niles Financial and its competitors. First Niles Financial's current Total Liabilities is $139.27 Mil. 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 Total Liabilities is $139.27 Mil. 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 Total Liabilities calculated?
Total Liabilities is calculated from a company's financial statements. For First Niles Financial (FNFI), the current Total Liabilities is $139.27 Mil 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:

  • Total Liabilities: $139.27 Mil
  • 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

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Total Liabilities is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$8.65
Price
$10.77
GF Value