Start with its own history
At 11.96×, FNFI is 84.1% below its 10-observation annual average. A lower multiple can reflect a lower price, higher earnings, or weaker growth expectations—not necessarily a bargain.
OTC · FNFIBanks - RegionalUpdated Nov 5, 2026
First Niles Financial, Inc. P/E ratio
Current valuation, historical context, and peer comparisons.
Current P/E ratio
11.96×
84.1% belowthe 10-year annual average
Share price10
÷Earnings per share0.8358
Price and EPS in quote currency. Calculation details
Investors are paying 11.96 for every 1 of reported earnings per share.
P/E over time
2016 – 2025
Annual P/ESelected-period average 75.39×
3-year average13.26×3 positive annual observations
5-year average23.74×5 positive annual observations
10-year average75.39×10 positive annual observations
Peer median · TTM9.97×6 peers with positive P/E
Historical P/E ratios
Annual period-end data · 22 observations
| Period end | P/E | Change |
|---|---|---|
| Dec 31, 2025 | 10.53× | -18.1% |
| Dec 31, 2024 | 12.85× | -21.6% |
| Dec 31, 2023 | 16.39× | -71.6% |
| Dec 31, 2022 | 57.63× | +170.2% |
| Dec 31, 2021 | 21.33× | -44.0% |
| Dec 31, 2020 | 38.11× | +70.4% |
| Dec 31, 2019 | 22.37× | -36.1% |
| Dec 31, 2018 | 35.00× | +6.7% |
View all 22 annual observations +
| Period end | P/E | Change |
|---|---|---|
| Dec 31, 2017 | 32.79× | -93.5% |
| Dec 31, 2016 | 506.94× | +970.2% |
| Dec 31, 2015 | 47.37× | +0.8% |
| Dec 31, 2014 | 47.00× | N/M |
| Dec 31, 2013 | N/M | N/M |
| Dec 31, 2012 | 30.71× | +54.1% |
| Dec 31, 2005 | 19.94× | -13.9% |
| Dec 31, 2004 | 23.15× | +4.3% |
| Dec 31, 2003 | 22.19× | -1.8% |
| Dec 31, 2002 | 22.61× | -1.6% |
| Dec 31, 2001 | 22.98× | +14.1% |
| Dec 31, 2000 | 20.15× | -2.4% |
| Dec 31, 1999 | 20.63× | -16.1% |
| Dec 31, 1998 | 24.59× | N/M |
Change is relative to the preceding observation. N/M values are excluded from averages.
How FNFI compares
Company P/E vs. peer trailing-12-month ratios
| Company | P/E ratio |
|---|---|
 FNFI This stockFirst Niles Financial, Inc. | 11.96× |
 FIDSFNB, Inc. | 9.05× |
 GNRVGrand River Commerce, Inc. | 41.96× |
 RVRFRiver Financial Corp. | 7.85× |
 RVSBRiverview Bancorp, Inc. | N/M |
 FSGB1st Federal Savings Bank of SC, Inc. | N/M |
 EBSHEmpire Bancshares, Inc. | 20.09× |
 FRFCFirst Robinson Financial Corporation | 8.59× |
 APLOApollo Bancorp, Inc. | 10.88× |
Peers are selected by the data provider. Business models and earnings definitions can differ.
Put the numbers in context
What does FNFI’s P/E tell you?
Compare like with like
The median of the 6 positive peer ratios above is 9.97×. Check growth, margins, debt, and earnings quality before interpreting the gap. A faster-growing business may justify a higher multiple.
Check what drives earnings
One-off gains can temporarily lower P/E; unusual charges can raise it. Reported earnings and forward estimates answer different questions. Pair this view with return on equity and liquidity for a fuller picture.
Keep your research connected
Take FNFI into your spreadsheet
Pull historical P/E into Excel or Google Sheets with Wisesheets. Build your own comparisons alongside the rest of your financial model.
Explore WisesheetsQuarterly P/E · latest quarterLQ selects the latest reported quarter. Requires the Wisesheets add-in. See available data
=WISE("FNFI", "PE Ratio", "LQ")Sources & calculation methodology
Current P/E
Share price 10 ÷ EPS 0.8358 = 11.96×. Data is supplied by Financial Modeling Prep through Wisesheets. Quote feed updated Nov 5, 2026; this is not a real-time trading quote.
History & averages
Annual and quarterly P/E observations are provided separately from the current quote. Averages use the latest 3, 5, or 10 annual observations, excluding missing and nonpositive ratios. Pre-IPO observations are omitted. These are period-end observations, not daily averages.
Data definitions and limitations
The current quote feed does not specify the exact EPS filing-period end or whether EPS is basic or diluted. We do not label it as forward P/E. Peer ratios are explicitly trailing-12-month (TTM) values. Historical observations do not include independently verified price and EPS inputs. Sources may update on different schedules; rounded inputs can produce small calculation differences. Historical comparisons describe past pricing, not an estimate of fair value.
FNFI P/E ratio: common questions
The essentials behind the numbers.
First Niles Financial, Inc.'s current P/E is 11.96× based on the quote data last updated Nov 5, 2026. It represents the share price divided by reported earnings per share. Prices and earnings may refresh on different schedules.
Annual P/E uses earnings for a completed fiscal year. Trailing-12-month (TTM) P/E uses the latest four quarters, while forward P/E uses forecast earnings. These are not interchangeable. This page labels peer ratios as TTM and shows dated annual or quarterly historical observations; it does not show forward estimates.
N/M means not meaningful: the feed has no positive P/E for that observation. Negative or zero earnings should not be ranked as a low positive valuation multiple. N/M observations are excluded from the averages shown above.
Divide the share price by earnings per share (EPS). For example, a share price of 100 and EPS of 5 gives a P/E of 20×. This page uses the price and EPS supplied together in the quote when both are positive.
Price timestamps, EPS definitions, share classes, adjustments, and fiscal periods can differ. A forward P/E also uses forecast earnings rather than reported earnings. Compare the inputs and as-of dates before comparing two displayed ratios.
Not necessarily. The average describes previous market pricing, not fair value. Changes in earnings quality, growth expectations, debt, accounting, and business risk can justify a different multiple today.