Flushing Financial (NASDAQ:FFIC) vs. First Niles Financial (OTCMKTS:FNFI) Head-To-Head Analysis

Flushing Financial (NASDAQ:FFIC) 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 analyst recommendations, dividends, earnings, valuation, profitability, risk and institutional ownership.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Flushing Financial	7.15%	6.25%	0.50%
First Niles Financial	N/A	N/A	N/A

Risk and Volatility

Flushing Financial has a beta of 0.74, suggesting that its share price is 26% less volatile than the S&P 500. Comparatively, First Niles Financial has a beta of 0.32, suggesting that its share price is 68% less volatile than the S&P 500.

Insider & Institutional Ownership

67.1% of Flushing Financial shares are owned by institutional investors. 5.7% of Flushing Financial shares are owned by company insiders. Comparatively, 23.4% of First Niles Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Dividends

Flushing Financial pays an annual dividend of $0.88 per share and has a dividend yield of 5.7%. First Niles Financial pays an annual dividend of $0.24 per share and has a dividend yield of 3.1%. Flushing Financial pays out 88.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. First Niles Financial pays out 51.1% of its earnings in the form of a dividend.

Valuation & Earnings

This table compares Flushing Financial and First Niles Financial”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Flushing Financial	$489.63 million	1.07	$18.88 million	$1.00	15.49
First Niles Financial	$14.03 million	0.85	$840,000.00	$0.47	16.49

Flushing Financial has higher revenue and earnings than First Niles Financial. Flushing Financial is trading at a lower price-to-earnings ratio than First Niles Financial, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a breakdown of current ratings for Flushing Financial and First Niles Financial, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Flushing Financial	0	3	1	0	2.25
First Niles Financial	0	0	0	0	0.00

Flushing Financial presently has a consensus target price of $16.80, indicating a potential upside of 8.49%. Given Flushing Financial’s stronger consensus rating and higher probable upside, equities research analysts clearly believe Flushing Financial is more favorable than First Niles Financial.

Summary

Flushing Financial beats First Niles Financial on 13 of the 16 factors compared between the two stocks.

About Flushing Financial

Flushing Financial Corporation operates as the bank holding company for Flushing Bank that provides banking products and services primarily to consumers, businesses, and governmental units. It offers various deposit products, including checking and savings accounts, money market accounts, non-interest bearing demand accounts, NOW accounts, and certificates of deposit. The company also provides mortgage loans secured by multi-family residential, commercial real estate, one-to-four family mixed-use property, one-to-four family residential property, and commercial business loans; construction loans; small business administration loans and other small business loans; mortgage loan surrogates, such as mortgage-backed securities; and consumer loans, including overdraft lines of credit, as well as the United States government securities, corporate fixed-income securities, and other marketable securities. It operates full-service banking offices in Queens, Nassau, Suffolk, Kings, and New York counties, New York; and an internet branch under the iGObanking and BankPurely brands. Flushing Financial Corporation was founded in 1929 and is based in Uniondale, New York.

About First Niles Financial

First Niles Financial, Inc. operates as a holding company for the Home Federal Savings and Loan Association of Niles that provides various banking products and services in Ohio, the United States. The company offers personal and business checking and savings, money market deposit, and Christmas club accounts, as well as certificates of deposit. It also provides various loans, including mortgage and consumer loans, home equity lines of credit, and commercial loans and lines of credit. In addition, the company provides e-statement, and night depository services; debit and ATM cards; safe deposit boxes; direct deposits; I.R.A. certificates of deposit and savings accounts; and online banking services. First Niles Financial, Inc. was founded in 1897 and is based in Niles, Ohio.