First Niles Financial, Inc. Financial Ratios — FNFI Stock

Profitability (USD)

	2004 Y	2005 Y	2012 Y	2013 Y	2014 Y	2015 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	6.25	6.38	1.63	-2.42	2.01	1.76	6.26	3.72	3.46	2.35	4.15	1.77	6.03	6.2	5.34
Return on Assets (%)	1.04	1.06	0.24	-0.29	0.23	0.22	0.77	0.44	0.43	0.29	0.5	0.2	0.56	0.55	0.54
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.01	1.24	- -	1.58	1.53	1.58	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	45.79	45.05	15.94	-28.65	6.61	8.38	27.27	8.24	20.25	14.51	12.69	6.18	14.48	14.44	12.06
Profit Margin (%)	31.93	31.69	10.55	-16.57	10.12	10.15	18.52	10.37	17.89	12.31	10.36	3.55	11.67	10.79	9.02
Net Income to Common Margin (%)	31.93	31.69	10.55	-16.57	10.12	10.15	18.52	10.37	17.89	12.31	10.36	3.55	11.67	10.79	9.02
Effective Tax Rate (%)	30.27	29.66	33.79	- -	- -	- -	32.08	- -	11.64	15.17	18.38	42.47	19.36	25.28	25.22
Dvd Payout Ratio (%)	76.94	80.21	153.94	-92.96	101.33	107.55	- -	104.11	56.24	90.4	51.02	129.37	40.35	37.78	43.11
Sustainable Growth Rate (%)	1.44	1.26	-0.88	-4.66	-0.03	-0.13	6.26	-0.15	1.51	0.23	2.03	-0.52	3.6	3.86	3.04

Credit (USD)

Credit Ratios API ChatGPT

	2004 Y	2005 Y	2012 Y	2013 Y	2014 Y	2015 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	20	20	26	24	25	26	- -	29	25	30	27	35	53	56	49
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	20	20	26	24	25	26	- -	29	25	30	27	35	53	56	49
Total Debt/EBITDA	315.38	500	- -	888.89	735.29	803.03	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	220.34	388.02	- -	686.89	515.32	627.79	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	16.54	16.64	12.85	10.73	12.39	12.29	- -	11.89	12.79	11.78	12.29	9.82	8.71	9.06	11.09
Long-Term Debt/Equity (%)	124.9	125.03	198.13	231.08	209.19	218.88	- -	247.3	197.63	233.39	177.82	266.98	388.48	398.45	282.27
Long-Term Debt/Capital (%)	55.54	55.56	66.46	69.8	67.66	68.64	- -	71.21	66.4	70.01	64.01	72.75	79.53	79.94	73.84
Long-Term Debt/Total Assets (%)	20.66	20.81	25.45	24.8	25.92	26.91	- -	29.4	25.27	27.48	21.86	26.21	33.82	36.1	31.3
Total Debt/Equity (%)	124.9	125.03	198.13	231.08	209.19	218.88	- -	247.3	197.63	233.39	177.82	266.98	388.48	398.45	282.27
Total Debt/Capital (%)	55.54	55.56	66.46	69.8	67.66	68.64	- -	71.21	66.4	70.01	64.01	72.75	79.53	79.94	73.84
Total Debt/Total Assets (%)	20.66	20.81	25.45	24.8	25.92	26.91	- -	29.4	25.27	27.48	21.86	26.21	33.82	36.1	31.3
Net Debt to Equity	87.26	97.03	-117.95	178.57	146.61	171.12	- -	-35.77	-23.58	-181.93	-178.71	-57.6	-109.33	-64.41	-60.49
Net Debt/Capital (%)	46.6	49.25	-65.47	64.1	59.45	63.12	- -	-11.48	-8.6	-120.12	-180.3	-18.62	-28.83	-14.84	-18.8
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2004 Y	2005 Y	2012 Y	2013 Y	2014 Y	2015 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	16.54	16.64	12.85	10.73	12.39	12.29	- -	11.89	12.79	11.78	12.29	9.82	8.71	9.06	11.09
Long-Term Debt/Equity (%)	124.9	125.03	198.13	231.08	209.19	218.88	- -	247.3	197.63	233.39	177.82	266.98	388.48	398.45	282.27
Long-Term Debt/Capital (%)	55.54	55.56	66.46	69.8	67.66	68.64	- -	71.21	66.4	70.01	64.01	72.75	79.53	79.94	73.84
Long-Term Debt/Total Assets (%)	20.66	20.81	25.45	24.8	25.92	26.91	- -	29.4	25.27	27.48	21.86	26.21	33.82	36.1	31.3
Total Debt/Equity (%)	124.9	125.03	198.13	231.08	209.19	218.88	- -	247.3	197.63	233.39	177.82	266.98	388.48	398.45	282.27
Total Debt/Capital (%)	55.54	55.56	66.46	69.8	67.66	68.64	- -	71.21	66.4	70.01	64.01	72.75	79.53	79.94	73.84
Total Debt/Total Assets (%)	20.66	20.81	25.45	24.8	25.92	26.91	- -	29.4	25.27	27.48	21.86	26.21	33.82	36.1	31.3
CFO/Total Liabilities	1.24	0.53	1.02	0.37	0.6	0.19	- -	0.61	0.68	0.45	4.18	0.34	-1.63	-3.36	-1.23
CFO/CapEx	- -	- -	22.24	14.5	8.84	41	- -	5.54	17.38	14.63	456.5	13.1	-57	-83.95	-77.64
Altman's Z-Score	0.23	0.24	0.21	0.25	0.28	0.27	- -	0.26	0.27	0.26	0.28	0.26	0.21	0.22	0.25

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2004 Y	2005 Y	2012 Y	2013 Y	2014 Y	2015 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	5.04	5.7	7.89	10.61	7.28	7.09	13.59	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	72.39	64.02	46.26	34.39	50.16	51.48	26.85	- -	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2004 Y	2005 Y	2012 Y	2013 Y	2014 Y	2015 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	7	10	10	- -	8	9	11	14	12	11	9	12
- Cash & Cash Equivalents	6	5	15	5	7	6	- -	4	3	24	27	8	15	9	11
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	20	20	26	24	25	26	- -	29	25	30	27	35	53	56	49
Enterprise Value	14	16	11	25	28	31	- -	33	32	18	14	40	49	57	51
Total Capital	37	37	39	34	37	39	- -	41	38	43	43	48	67	71	66
Total Debt/Capital (%)	55.54	55.56	66.46	69.8	67.66	68.64	- -	71.21	66.4	70.01	64.01	72.75	79.53	79.94	73.84
Total Debt / EV	1.43	1.29	2.47	0.95	0.89	0.86	- -	0.89	0.8	1.67	1.97	0.88	1.08	1	0.96
EV/Sales	4.43	4.82	4.61	14.72	12.59	14.72	- -	15.5	13.36	7.38	2.44	5.6	7.12	7.08	5.44
EV/EBITDA	220.34	388.02	- -	934.26	823.08	931.38	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	13.96	36.57	11.54	79.08	55.53	187.41	- -	61.5	53.7	41.23	3.02	97.81	- -	- -	- -
EV/Free Cash Flow to Firm	13.96	36.57	11.04	73.97	49.88	182.95	- -	52.1	50.78	38.59	3.02	90.87	- -	- -	- -
Diluted Market Cap	- -	- -	7	7	10	10	12	8	9	11	13	15	13	11	- -
Diluted Enterprise Value	14	16	18	25	28	31	12	33	32	18	12	42	51	58	39
EV per Share	10.34	11.49	- -	22.66	25.14	27.61	11.15	29.39	28.51	16.26	10.35	35.68	44.26	50.87	33.04
TTM Sales	3	3	2	2	2	2	2	2	2	2	6	7	7	8	9
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	1	- -	1	- -	1	- -	- -	1	1	- -	5	- -	-2	-5	-2
TTM Free Cash Flow to Firm	1	- -	1	- -	1	- -	- -	1	1	- -	5	- -	-2	-5	-2

Multiples (USD)

Valuation Multiples API ChatGPT

	2004 Y	2005 Y	2012 Y	2013 Y	2014 Y	2015 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	7.65	19.68	18.65	59.63	- -	12.41	15.14	24.42	2.75	33.4	-5.81	-2.35	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	14	16	11	25	28	31	- -	33	32	18	14	40	49	57	51
Low Price	- -	- -	6	6	6	8.46	9.6	7	7	7.75	9.5	8.99	8.55	7.68	7.25
EV/Sales	4.43	4.82	4.61	14.72	12.59	14.72	- -	15.5	13.36	7.38	2.44	5.6	7.12	7.08	5.44
EV/EBITDA	220.34	388.02	- -	934.26	823.08	931.38	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	30.27	- -	46.51	47.26	32.79	35.58	22.26	37.93	21.48	57.92	16.5	12.9	- -
Price/Earnings Average	- -	- -	35.62	-28.03	40.79	46.54	30.74	49.5	21.13	38.59	22.67	55.07	16.83	13.46	- -
Price/Earnings High	- -	- -	46.93	-39.39	49.23	55.92	32.79	56.67	23.57	58.05	26.21	74.59	21.45	15.83	- -
Price/Earnings Low	- -	- -	28.16	-23.63	29.68	44.42	28.24	35.58	18.33	28.56	19.53	47.56	14.11	11.86	- -
Price/Book Value	- -	- -	- -	0.64	0.88	0.83	- -	0.66	0.74	0.89	0.91	0.93	0.81	0.66	0.71
Price/Book Value Average	- -	- -	- -	0.76	0.77	0.81	- -	0.92	0.7	0.9	0.96	0.88	0.83	0.68	0.74
Price/Book Value High	- -	- -	- -	1.07	0.93	0.98	- -	1.05	0.78	1.36	1.11	1.19	1.06	0.81	1.15
Price/Book Value Low	- -	- -	- -	0.64	0.56	0.78	- -	0.66	0.61	0.67	0.83	0.76	0.7	0.6	0.64
Price/Tangible Book Value	- -	- -	- -	0.64	0.88	0.83	- -	0.66	0.74	0.89	1.02	1.06	0.93	0.74	0.78
Price/Tangible Book Value Average	- -	- -	- -	0.76	0.77	0.81	- -	0.92	0.7	0.9	1.08	1.01	0.95	0.78	0.81
Price/Tangible Book Value High	- -	- -	- -	1.07	0.93	0.98	- -	1.05	0.78	1.36	1.25	1.37	1.21	0.91	1.27
Price/Tangible Book Value Low	- -	- -	- -	0.64	0.56	0.78	- -	0.66	0.61	0.67	0.93	0.87	0.79	0.68	0.71
Price/Sales	- -	- -	3.19	3.92	4.71	4.8	6.07	3.69	3.98	4.67	2.22	2.06	1.93	1.39	- -
Price/Sales Average	- -	- -	3.76	4.64	4.13	4.73	5.69	5.14	3.78	4.75	2.35	1.96	1.96	1.45	- -
Price/Sales High	- -	- -	4.95	6.53	4.98	5.68	6.07	5.88	4.22	7.15	2.71	2.65	2.5	1.71	- -
Price/Sales Low	- -	- -	2.97	3.92	3	4.51	5.23	3.69	3.28	3.52	2.02	1.69	1.65	1.28	- -
Price/Cash Flow	- -	- -	8	21.04	20.76	61.09	- -	14.65	16.01	26.09	2.76	35.95	-5.7	-2.33	- -
Price/Cash Flow Average	- -	- -	9.41	24.96	18.21	60.16	- -	20.38	15.2	26.55	2.91	34.18	-5.82	-2.43	- -
Price/Cash Flow High	- -	- -	12.4	35.07	21.98	72.29	- -	23.33	16.95	39.93	3.36	46.3	-7.42	-2.86	- -
Price/Cash Flow Low	- -	- -	7.44	21.04	13.25	57.42	- -	14.65	13.18	19.65	2.51	29.52	-4.88	-2.14	- -
Price/Free Cash Flow Average	- -	- -	9.01	23.35	16.36	58.73	- -	17.26	14.37	24.85	2.9	31.76	-5.92	-2.46	- -
Price/Free Cash Flow High	- -	- -	11.87	32.81	19.74	70.57	- -	19.76	16.03	37.38	3.36	43.01	-7.55	-2.89	- -
Price/Free Cash Flow Low	- -	- -	7.12	19.68	11.91	56.06	- -	12.41	12.47	18.39	2.5	27.42	-4.96	-2.17	- -
EV/Sales Average	4.43	4.82	4.61	15.44	12.01	14.65	- -	16.94	13.16	7.46	2.57	5.51	7.15	7.13	5.49
EV/Sales High	4.43	4.82	4.61	17.31	12.86	15.6	- -	17.69	13.6	9.86	2.98	6.09	7.6	7.34	6.26
EV/Sales Low	4.43	4.82	4.61	14.72	10.89	14.43	- -	15.5	12.66	6.23	2.21	5.29	6.89	6.98	5.32
EV/EBITDA Average	220.34	388.02	- -	980.29	785.28	926.77	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	220.34	388.02	- -	1,099.17	841.09	987.04	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	220.34	388.02	- -	934.26	711.77	913.16	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	6.45	6	9.4	9	11.15	7	8.5	10.29	10.45	10.95	10	8.35	8
High Price	- -	- -	10	10	9.95	10.65	11.15	11.15	9	15.75	12.75	14.1	13	10.25	12.94
Enterprise Value Average	14	16	11	26	27	31	- -	36	31	18	15	39	49	57	51
Enterprise Value High	14	16	11	30	29	33	- -	37	32	24	17	43	53	59	58
Enterprise Value Low	14	16	11	25	24	30	- -	33	30	15	13	38	48	56	50

Shares Outstanding	1	1	- -	1	1	1	- -	1	1	1	1	1	1	1	2
Diluted Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1	1	1	1	- -
Basic Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1	1	1	1	- -
Revenue per Share	2.47	2.49	2.02	1.53	2	1.88	1.84	1.9	2.13	2.2	4.7	5.32	5.19	6	- -
EBITDA per Share	0.05	0.03	- -	0.02	0.03	0.03	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.79	0.79	0.21	-0.25	0.2	0.19	0.34	0.2	0.38	0.27	0.49	0.19	0.61	0.65	- -
Basic EPS from Cont Ops	0.79	0.79	0.21	-0.25	0.2	0.19	0.34	0.2	0.38	0.27	0.49	0.19	0.61	0.65	- -
Diluted EPS, GAAP	0.78	0.79	0.21	-0.25	0.2	0.19	0.34	0.2	0.38	0.27	0.49	0.19	0.61	0.65	- -
Diluted EPS from Cont Ops	0.78	0.79	0.21	-0.25	0.2	0.19	0.34	0.2	0.38	0.27	0.49	0.19	0.61	0.65	- -
Dividend per Share	0.61	0.63	0.33	0.24	0.2	0.2	- -	0.2	0.21	0.25	0.25	0.24	0.24	0.24	- -
Cash Flow per Share	0.79	0.33	0.81	0.29	0.45	0.15	- -	0.48	0.53	0.39	3.79	0.3	-1.75	-3.59	- -
Free Cash Flow per Basic Share	0.79	0.33	0.77	0.27	0.4	0.14	- -	0.39	0.5	0.37	3.78	0.28	-1.78	-3.63	- -
Cash & Equivalents per Share	4.46	3.32	- -	4.9	6.72	5.2	- -	3.79	2.71	21.11	20.52	6.8	13.42	8.2	6.83
Book Value per Share	11.85	11.84	- -	9.33	10.74	10.88	- -	10.59	11.5	11.6	11.48	11.81	12.27	12.73	11.29
Tangible Book Value per Share	11.85	11.84	- -	9.33	10.74	10.88	- -	10.59	11.5	11.6	10.23	10.31	10.77	11.23	10.2

First Niles Financial, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)