Comparing First Niles Financial (OTCMKTS:FNFI) and Southern Banc (OTCMKTS:SRNN)

Profitability

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

	Net Margins	Return on Equity	Return on Assets
First Niles Financial	N/A	N/A	N/A
Southern Banc	7.55%	5.85%	0.76%

Volatility & Risk

First Niles Financial has a beta of 0.28, suggesting that its stock price is 72% less volatile than the S&P 500. Comparatively, Southern Banc has a beta of -0.09, suggesting that its stock price is 109% less volatile than the S&P 500.

Earnings and Valuation

This table compares First Niles Financial and Southern Banc”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Niles Financial	$12.49 million	0.96	$860,000.00	$0.06	129.17
Southern Banc	$12.13 million	0.67	$920,000.00	$1.21	8.31

Southern Banc has lower revenue, but higher earnings than First Niles Financial. Southern Banc 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.

Summary

Southern Banc beats First Niles Financial on 5 of the 9 factors compared between the two stocks.

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.

About Southern Banc

The Southern Banc Company, Inc. operates as the holding company for The Southern Bank company that provides various banking products and services in Alabama. The company’s personal banking products include checking accounts, home mortgage loans, home equity loans, auto loans, and personal loans. Its business banking products comprise business checking accounts, cash flow management, real estate lending, and equipment financing. The Southern Banc Company, Inc. was founded in 1936 and is based in Gadsden, Alabama.