Reviewing First Niles Financial (OTCMKTS:FNFI) & NASB Financial (OTCMKTS:NASB)

Profitability

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

	Net Margins	Return on Equity	Return on Assets
NASB Financial	16.14%	6.84%	0.98%
First Niles Financial	N/A	N/A	N/A

Risk & Volatility

NASB Financial has a beta of 0.04, suggesting that its stock price is 96% less volatile than the S&P 500. Comparatively, First Niles Financial has a beta of 0.29, suggesting that its stock price is 71% less volatile than the S&P 500.

Dividends

NASB Financial pays an annual dividend of $1.40 per share and has a dividend yield of 3.6%. First Niles Financial pays an annual dividend of $0.24 per share and has a dividend yield of 3.0%. NASB Financial pays out 34.7% of its earnings in the form of a dividend. First Niles Financial pays out 77.4% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. NASB Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.

Valuation & Earnings

This table compares NASB Financial and First Niles Financial”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
NASB Financial	$178.01 million	1.55	$28.72 million	$4.03	9.55
First Niles Financial	$14.03 million	0.88	$840,000.00	$0.31	25.87

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

Summary

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

About NASB Financial

NASB Financial, Inc. operates as a unitary thrift holding company for North American Savings Bank, F.S.B. that provides various banking products and services in the United States. The company offers checking, savings, money market, and certificate of deposit accounts. It also mortgages and refinancing products, including conventional, veterans administration, federal housing administration, jumbo, and IRA residential real-estate loans. In addition, the company provides commercial real estate development and commercial loans, such as multifamily, retail, single-tenant, multi-tenant, office, industrial, and other loans; investment property loans; and construction and development loans. The company was founded in 1927 and is based in Grandview, Missouri.

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.