Reviewing First Niles Financial (OTCMKTS:FNFI) and Logansport Financial (OTCMKTS:LOGN)

Dividends

Logansport Financial pays an annual dividend of $1.80 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 3.0%. Logansport Financial pays out 113.2% 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 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.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Logansport Financial	6.44%	N/A	N/A
First Niles Financial	N/A	N/A	N/A

Earnings & Valuation

This table compares Logansport Financial and First Niles Financial”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Logansport Financial	$15.19 million	1.29	$1.76 million	$1.59	19.94
First Niles Financial	$14.03 million	0.88	$840,000.00	$0.31	25.81

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

Risk & Volatility

Logansport Financial has a beta of 0.18, indicating that its stock price is 82% less volatile than the S&P 500. Comparatively, First Niles Financial has a beta of 0.27, indicating that its stock price is 73% less volatile than the S&P 500.

Summary

Logansport Financial beats First Niles Financial on 6 of the 9 factors compared between the two stocks.

About Logansport Financial

Logansport Financial Corp. operates as the holding company for Logansport Savings Bank that provides various banking products and services to individuals and businesses in Cass County, Indiana. The company’s personal banking products and services include checking accounts, rite accounts, NOW accounts, savings accounts, health savings accounts, certificates of deposit, and individual retirement accounts; mortgage, home equity lines of credit, home improvement, construction, commercial buildings, farm, consumer, education, and car loans, as well as loans for single family and multi-family dwellings; and overdraft, and internet and mobile banking services. It also provides business and commercial checking accounts, commercial savings accounts/certificates of deposit, money market accounts and certificates, commercial sweep accounts, ACH debit/credit capabilities, electric federal tax payment systems, remote banking and merchant card services, wires, coin services, night deposit bags, and remote deposit banking services. In addition, the company offers revolving or seasonal lines of credit, term loans for equipment, commercial real estate mortgages for expansion or acquisition, commercial letters of credit, and guaranteed loans, as well as agricultural loans. Logansport Financial Corp. was founded in 1925 and is based in Logansport, Indiana.

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.