First Northern Community Bancorp (FNRN) Price & Analysis

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FNRN Stock Chart & Stats

$13.42

$0.00(0.00%)

At close: Jan 07 4:00 PM EST

$13.42

$0.00(0.00%)

Day’s Range― - ―

52-Week Range$8.97 - $14.15

Previous CloseN/A

Volume500.00

Average Volume (3M)5.41K

Market Cap

$231.15M

Enterprise Value$85.60M

Total Cash (Recent Filing)$145.55M

Total Debt (Recent Filing)$0.00

Price to Earnings (P/E)9.0

Beta-0.09

Next Earnings

Apr 23, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend YieldN/A

Share Statistics

EPS (TTM)0.34

Shares Outstanding16,511,023

10 Day Avg. Volume5,378

30 Day Avg. Volume5,413

Financial Highlights & Ratios

PEG Ratio0.86

Price to Book (P/B)1.00

Price to Sales (P/S)2.88

P/FCF Ratio-107.90

Enterprise Value/Market Cap0.37

Enterprise Value/Revenue0.98

Enterprise Value/Gross Profit1.18

Enterprise Value/Ebitda2.91

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Conservative Balance SheetVery low leverage and a conservative capital structure provide durable financial flexibility. This supports loss absorption in downturns, preserves capacity to originate loans or pursue M&A, and reduces refinancing risk—strengths that materially improve resilience over 2–6 months.

Consistent ProfitabilitySustained high net profit margins and stable operating profitability indicate a business model that generates reliable earnings. That persistent profitability supports internal capital generation, underwriting flexibility, and the ability to reinvest in products and customer relationships over the medium term.

Wealth-management ExpansionBuying an independent advisory firm expands AUM and fee-based revenue, diversifying income away from interest spreads. Integrating advisors and clients strengthens cross-sell potential and creates recurring, less rate-sensitive revenue that can support stability and growth over multiple quarters.

Bears Say

Negative Cash Flow In 2025A sudden reversal to negative operating and free cash flow undermines liquidity and raises questions about earnings quality. Negative cash generation constrains capital deployment, increases reliance on funding sources, and limits the bank's ability to absorb shocks or sustain shareholder distributions in the near term.

Meaningful Revenue DeclineA 15.4% top-line decline reduces operating leverage and puts pressure on margins and reinvestment capacity. If sustained, it could force tighter underwriting, slower branch/digital investment, or reduced fee income initiatives, complicating medium-term growth and planning for management.

Small Scale, Weak Loan/deposit GrowthA modest asset base and near-flat loan growth limit economies of scale and product breadth versus larger regional peers. Small size and a recent deposit dip increase sensitivity to local competitive pressure and regional economic cycles, constraining durable revenue diversification.

First Northern Community Bancorp News

First Northern acquires Beacon Wealth Strategies

First Northern Advisors, a division of First Northern Bank, announced the acquisition of Beacon Wealth Strategies, an independent...

16d ago

FNRN

First Northern Community Bancorp Declares 5% Stock Dividend

First Northern Community Bancorp ( ($FNRN) ) has issued an update. For the twelve months ended December 31,...

1M ago

FNRN

First Northern Eases Director Qualification Rules for Finance Roles

The latest announcement is out from First Northern Community Bancorp ( ($FNRN) ). On January 22, 2026, First...

1M ago

FNRN

First Northern Community Bancorp Reports Q3 2025 Earnings

An update from First Northern Community Bancorp ( ($FNRN) ) is now available. On October 29, 2025, First...

4M ago

FNRN

First Northern Bancorp Approves Bylaws Amendments for Securities

First Northern Community Bancorp ( ($FNRN) ) just unveiled an announcement. On September 17, 2025, First Northern Community...

5M ago

FNRN

First Northern Reports 23.6% Q2 Net Income Increase

First Northern Community Bancorp ( ($FNRN) ) has provided an announcement. On July 29, 2025, First Northern Community...

7M ago

FNRN

First Northern Community Bancorp Holds Annual Shareholders Meeting

First Northern Community Bancorp ( ($FNRN) ) has issued an update. On May 13, 2025, First Northern Community...

10M ago

FNRN

First Northern Reports Q1 2025 Income Decline

First Northern Community Bancorp ( ($FNRN) ) just unveiled an announcement. On April 29, 2025, First Northern Community...

10M ago

FNRN

First Northern Community Bancorp Reports 2024 Financial Results

First Northern Community Bancorp ( ($FNRN) ) has provided an announcement. On January 29, 2025, First Northern Community...

1y ago

FNRN

First Northern Community Bancorp Reports Strong Q3 Growth

The latest announcement is out from First Northern Community Bancorp ( ($FNRN) ). First Northern Community Bancorp reported...

1y ago

FNRN

Daniel F. Ramos Resigns from First Northern Board

First Northern Community Bancorp ( ($FNRN) ) has shared an update. Daniel F. Ramos has announced his resignation...

1y ago

FNRN

OTC Markets Group welcomes First Northern Community Bancorp to OTCQX

OTC Markets Group announced First Northern Community Bancorp, the single-bank holding company for First Northern Bank, has qualified...

2y ago

FNRN

FNRN FAQ

What was First Northern Community Bancorp’s price range in the past 12 months?

First Northern Community Bancorp lowest stock price was $8.97 and its highest was $14.15 in the past 12 months.

What is First Northern Community Bancorp’s market cap?

First Northern Community Bancorp’s market cap is $231.15M.

When is First Northern Community Bancorp’s upcoming earnings report date?

First Northern Community Bancorp’s upcoming earnings report date is Apr 23, 2026 which is in 49 days.

How were First Northern Community Bancorp’s earnings last quarter?

First Northern Community Bancorp released its earnings results on Jan 29, 2026. The company reported $0.343 earnings per share for the quarter, beating the consensus estimate of N/A by $0.343.

Is First Northern Community Bancorp overvalued?

According to Wall Street analysts First Northern Community Bancorp’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does First Northern Community Bancorp pay dividends?

First Northern Community Bancorp does not currently pay dividends.

What is First Northern Community Bancorp’s EPS estimate?

First Northern Community Bancorp’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does First Northern Community Bancorp have?

First Northern Community Bancorp has 16,511,023 shares outstanding.

What happened to First Northern Community Bancorp’s price movement after its last earnings report?

First Northern Community Bancorp reported an EPS of $0.343 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.363%.

Which hedge fund is a major shareholder of First Northern Community Bancorp?

Currently, no hedge funds are holding shares in FNRN

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

First Northern Community Bancorp Stock Smart Score

Neutral

Insider Transactions

Bought Shares

Worth $65.7K over
the Last 3 Months

Technicals

Fundamentals

Return on Equity

10.86%

Trailing 12-Months

Asset Growth

-1.16%

Trailing 12-Months

Top Smart Score Stocks >

Company Description

First Northern Community Bancorp

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 to medium sized businesses. The company accepts demand deposits, interest-bearing transaction deposits, savings and money market accounts, and time deposits. Its loan portfolio comprises of commercial, commercial real estate, agriculture, residential mortgage, residential construction, and consumer loans. The company also offers credit cards; investment and brokerage services; alternative investment products, and fiduciary and other financial services; and equipment leasing, merchant card processing, payroll, and international banking services through third parties. In addition, it provides issues cashier's checks, safe deposit boxes rental, and other customary banking services. The company operates eleven full-service branches located in the cities of Auburn, Davis, Dixon, Fairfield, Rancho Cordova, Roseville, Sacramento, Vacaville, West Sacramento, Winters, and Woodland; a satellite banking office inside a retirement community in the city of Davis; a residential mortgage loan office in Davis; and a commercial loan office in the Contra Costa County city of Walnut Creek. First Northern Community Bancorp was founded in 1910 and is headquartered in Dixon, California.