Analyzing First Niles Financial (OTCMKTS:FNFI) and Premier Financial (NASDAQ:PFC)


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Premier Financial (NASDAQ:PFC) and First Niles Financial (OTCMKTS:FNFI) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their profitability, dividends, valuation, risk, institutional ownership, analyst recommendations and earnings.

Risk and Volatility

Premier Financial has a beta of 1.48, meaning that its share price is 48% more volatile than the S&P 500. Comparatively, First Niles Financial has a beta of 0.62, meaning that its share price is 38% less volatile than the S&P 500.

Valuation and Earnings

This table compares Premier Financial and First Niles Financial’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Premier Financial $186.04 million 5.08 $49.37 million $2.53 10.01
First Niles Financial N/A N/A N/A N/A N/A

Premier Financial has higher revenue and earnings than First Niles Financial.

Profitability

This table compares Premier Financial and First Niles Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Premier Financial 12.93% 9.31% 1.24%
First Niles Financial N/A N/A N/A

Dividends

Premier Financial pays an annual dividend of $0.88 per share and has a dividend yield of 3.5%. First Niles Financial pays an annual dividend of $0.24 per share and has a dividend yield of 2.3%. Premier Financial pays out 34.8% of its earnings in the form of a dividend.

Insider & Institutional Ownership

65.6% of Premier Financial shares are held by institutional investors. 1.6% of Premier Financial shares are held by company insiders. Comparatively, 23.4% of First Niles Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Analyst Recommendations

This is a breakdown of current ratings and price targets for Premier Financial and First Niles Financial, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Premier Financial 0 0 3 0 3.00
First Niles Financial 0 0 0 0 N/A

Premier Financial presently has a consensus price target of $24.50, suggesting a potential downside of 3.28%. Given Premier Financial’s higher probable upside, analysts plainly believe Premier Financial is more favorable than First Niles Financial.

Summary

Premier Financial beats First Niles Financial on 9 of the 11 factors compared between the two stocks.

Premier Financial Company Profile

Premier Financial Corp. operates as the holding company for Premier Bank and First Insurance Group that provides community banking and financial services. It offers checking accounts, savings accounts, and retirement accounts; mortgages, home equity loans, and auto and vehicle loans; debit cards; trustee services; and various insurance products, such as auto/vehicle, health, homeowners, and life insurance, as well as property, liability, business vehicle, cybersecurity, risk management, and employee group plans. The company also provides commercial real estate loans, equipment loans, working capital lines of credit, agricultural loans, construction loans, SBA/USDA loans, and letters of credit; remote deposit, cash management, merchant, government banking, lockbox, ACH and check positive pay, and wire transfer services; investment products; and Internet and mobile banking services. It operates through 78 branches, 12 loan offices, and 2 wealth offices in Ohio, Michigan, Indiana, and Pennsylvania; and insurance agency with ten offices in Ohio. The company was formerly known as First Defiance Financial Corp. and changed its name to Premier Financial Corp. in June 2020. Premier Financial Corp. was incorporated in 1995 and is headquartered in Defiance, Ohio.

First Niles Financial Company Profile

First Niles Financial, Inc. operates as the holding company for Home Federal Savings and Loan Association of Niles that provides various banking products and services. It accepts checking and savings accounts, and certificates of deposit; and offers various loans. The company was founded in 1897 and is based in Niles, Ohio.

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