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First Northern Community Bancorp FNRN FINANCIAL

Financial Services · Banks - Regional · United States
https://www.thatsmybank.com
Company Profile ↓
$17.35
+57.18% 1Y
Mkt Cap$284.66M
P/E13.45
P/B1.25
52W High$18.80
52W Low$10.96
Book Value$13.24
EPS (TTM)$1.29

Company Overview

First Northern Community Bancorp operates as the bank holding company for First Northern Bank of Dixon that provides commercial banking products and services to individuals, and small and medium sized businesses. The company offers deposit products, including demand, interest-bearing transaction, savings and money market, and non-brokered time deposits. It also provides commercial, commercial real estate, agriculture, residential mortgage, residential construction, and consumer loans. In addition, the company provides debit and credit cards; investment and brokerage services; alternative investment products, and fiduciary and other financial services; equipment leasing, merchant card processing, payroll, and international banking services through third parties; and other customary banking services. Further, it rents safe deposit boxes. The company operates branches located in the cities of Auburn, Colusa, Davis, Dixon, Fairfield, Orland, Rancho Cordova, Roseville, Sacramento, Vacaville, West Sacramento, Winters, Willows, and Woodland; satellite banking office inside a retirement community in the city of Davis; and residential mortgage loan office in Davis. First Northern Community Bancorp was founded in 1910 and is headquartered in Dixon, California.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 11.7% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 13.4, below the sector median of 14.5.

Healthy Margins

Maintains a net profit margin of 30.0%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue -1.7%, earnings -13.0%.
  • 5-Year Trend Long-term compounding — profit CAGR 11.7%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:-1.70%

Compounded Profit Growth

5 Years:11.68%
1 Year:-13.00%

Stock Price Performance

1 Year:+57.18%
6 Months:+23.93%
3 Months:+0.58%
1 Month:-2.58%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed
52-Week Range 82% of range
$10.96 $18.80
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMAAbove
  • RSI (14)49.10 · Neutral
Price Performance
1M-2.58%
3M+0.58%
6M+23.93%
1Y+57.18%
Valuation vs Sector

P/E of 13.45 is below the sector median of 14.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 30.0%.
  • Profit CAGR of 11.7% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
13.45
Industry PE
14.52
Forward P/E est.
15.46
PEG Ratio
0.14
Book Value
$13.24
Price to Book
1.25
P/S
3.61
EV/EBITDA
-
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
11.68%
Revenue (YoY)
-1.70%
Earnings (YoY)
-13.00%

Profitability & Returns

ROCE
-
ROE
10.98%
ROA
1.19%
Profit Margin
30.03%
Op Margin
34.21%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.29
EPS (TTM)
$1.29

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$0
Total Assets
$1.93B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
9.32%
Chg in Prom Hold
-0.04%
FII / Inst Holding
32.87%
Chg in FII Hold
0.02%

Financial Snapshot

Enterprise Value
$284.66M
Total Revenue (TTM)
$75.35M
EBITDA
-
Free Cash Flow
$5.20M
Operating Cash Flow
$6.90M
Shares Outstanding
16.41M
Gross Margin
0.00%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 FNRN First Northern Community Bancorp FINANCIAL 17.35 13.45 $284.66M 0.00% - 10.98% - 11.68%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2013Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Net Income 1.44M1.37M1.36M1.34M1.57M1.52M1.77M1.82M1.73M2.04M2.02M2.51M2.55M2.80M2.73M3.00M3.47M2.68M3.41M3.75M2.68M2.71M3.42M3.18M3.31M4.51M3.04M3.55M4.57M5.49M4.56M4.62M4.28M4.42M5.49M3.67M5.47M6.01M5.91M4.73M
Diluted EPS 0.130.120.130.130.150.140.160.170.160.180.180.220.220.240.220.240.280.310.260.290.200.200.250.220.230.320.210.240.310.360.300.300.260.270.340.220.330.380.360.29

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Net Income -1.05M2.67M2.66M4.65M5.38M5.87M6.92M8.05M8.75M12.55M14.72M12.16M14.19M15.88M21.55M20.03M21.13M
Diluted EPS -0.200.180.130.350.450.520.590.660.680.931.080.850.951.041.341.191.27

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --737.22M781.15M831.48M897.67M957.88M1.04B1.17B1.22B1.25B1.29B1.66B1.90B1.87B1.87B1.89B1.91B
Total Equity 62.03M78.09M79.60M87.70M92.33M84.91M92.05M85.85M92.30M100.04M112.46M132.91M150.66M150.91M125.04M159.25M176.33M212.02M
Cash & Equivalents 66.01M147.08M139.71M140.17M149.62M165.45M216.19M200.80M159.64M152.89M116.03M111.49M267.18M345.93M187.42M149.21M119.45M145.55M
Long Term Debt ------00000000--00
Total Liabilities --657.62M693.45M739.16M812.76M865.83M958.78M1.07B1.12B1.14B1.16B1.50B1.75B1.75B1.71B1.72B1.70B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 6.97M12.71M8.13M14.33M16.22M-13.55M9.71M16.09M15.68M16.56M12.59M25.27M21.78M27.30M19.54M6.90M
Investing Cash Flow -3.06M-6.90M-47.07M-36.95M-62.70M--107.22M-166.51M-63.96M-72.49M-35.21M-201.54M-186.38M-178.78M83.61M-53.28M44.82M
Financing Cash Flow 77.16M-13.18M39.41M43.80M62.37M-78.27M115.66M41.11M19.95M14.11M344.63M239.85M-1.51M-149.11M3.98M-25.61M
Capital Expenditure -727.00K-1.38M-593.00K-480.00K-271.00K-532.00K-436.00K-926.00K-1.23M-963.00K-1.06M-862.00K-803.00K-344.00K-1.22M-343.00K-1.70M
Free Cash Flow 6.24M11.33M7.54M13.85M15.95M-13.12M8.78M14.87M14.72M15.51M11.73M24.47M21.44M26.08M19.19M5.20M
Share Buybacks -----------05.37M187.00K143.00K3.76M4.75M
Dividends Paid ---------------6.39M7.51M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -----------------
ROE % -1.3%3.3%3.0%5.0%6.3%6.4%8.1%8.7%8.7%11.2%11.1%8.1%9.4%12.7%13.5%11.4%10.0%
ROCE % -----------------

Shareholding Pattern

Insiders
9.32%
Institutions
32.87%
Public Float
36.25%

Top Institutional Holders

#Holder% HeldSharesValue
1 Fourthstone LLC 7.01% 1.15M $19.69M
2 Blackrock Inc. 6.41% 1.05M $18.00M
3 Vanguard Capital Management LLC 3.95% 648.37K $11.10M
4 Focus Partners Advisor Solutions, LLC 2.34% 383.69K $6.57M
5 Geode Capital Management, LLC 2.18% 357.42K $6.12M
6 Alliancebernstein L.P. 1.62% 265.28K $4.54M
7 M3F, Inc. 1.49% 244.87K $4.19M
8 Northern Trust Corporation 0.70% 115.09K $1.97M
9 Vanguard Fiduciary Trust Co 0.62% 101.73K $1.74M
10 Vanguard Portfolio Management LLC 0.62% 101.24K $1.73M

Analyst View

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Latest News

Recent headlines for FNRN

Google News Sun, 06 Sep 2026

FNRN Price Today: First Northern Community Bancorp. Stock Price, Quote & Chart | MEXC - MEXC

<a href="https://news.google.com/rss/articles/CBMiR0FVX3lxTFBCeURJMXFwSDhpdklvOEQ0aHdLaHNkOUxUVFJfZW45ZW1pZzJ5ZU9TbEZDQ3VtRXRRajh5UWlvQmtQclBwR2xB?oc=5" target="_blank">FNRN Price Today: First Northern Community Bancorp. Stock Price, Quote …

Google News Sun, 06 Sep 2026

67,180 Shares in First Northern Community Bancorp $FNRN Purchased by Northwestern Mutual Wealth Management Co. - marketbeat.com

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Google News ue, 18 Aug 2026

First Northern (NASDAQ: FNRN) director plans 2,500-share sale - Stock Titan

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Google News hu, 30 Jul 2026

First Northern Community Bancorp Q2 net income falls to $4.7 million | FNRN Stock News - quiverquant.com

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Google News Sat, 01 Aug 2026

First Northern Community Bancorp (FNRN) Stock Faces Profit Squeeze Despite Steady Revenue - simplywall.st

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FNRN — Frequently Asked Questions

What is the current share price of First Northern Community Bancorp (FNRN)?

As of 2026-09-07 16:24 PDT, First Northern Community Bancorp (FNRN) trades at $17.35 on NasdaqCM. Its 52-week range is $10.96 to $18.80.

What is the market capitalisation of FNRN?

First Northern Community Bancorp (FNRN) has a market capitalisation of $284.66M on NasdaqCM.

What is the P/E ratio of FNRN?

FNRN trades at a trailing price-to-earnings (P/E) ratio of 13.45. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.25.

What is the return on equity (ROE) of FNRN?

FNRN has a return on equity (ROE) of 10.98%.

Is FNRN a good stock to buy?

This page provides a data-driven analysis of First Northern Community Bancorp (FNRN), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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