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STOCKS

First Northern Community Bancorp (FNRN)

OTHER OTC:FNRN

FNRN

First Northern Community Bancorp

RESEARCH TOOLSreports

First Northern Community Bancorp (FNRN) Ratios

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21 Followers

First Northern Community Bancorp Ratios

FNRN's free cash flow for Q4 2025 was $0.87. For the 2025 fiscal year, FNRN's free cash flow was decreased by $ and operating cash flow was $0.36. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	133.78	133.78	0.34	0.88	0.48
Quick Ratio	133.78	133.78	0.34	0.88	0.48
Cash Ratio	133.78	133.78	0.08	0.20	0.12
Solvency Ratio	0.01	0.01	0.01	0.01	0.01
Operating Cash Flow Ratio	6.36	6.34	0.01	0.03	0.01
Short-Term Operating Cash Flow Coverage	6.36	6.34	18.57	26.14	32.41
Net Current Asset Value	$ -1.55B	$ -1.55B	$ -1.14B	$ -958.63M	$ -906.99M
Leverage Ratios
Debt-to-Assets Ratio	<0.01	<0.01	<0.01	<0.01	<0.01
Debt-to-Equity Ratio	0.03	0.03	0.04	0.05	0.08
Debt-to-Capital Ratio	0.03	0.03	0.03	0.05	0.08
Long-Term Debt-to-Capital Ratio	0.00	0.00	0.00	0.02	0.04
Financial Leverage Ratio	9.01	9.01	10.73	11.75	14.97
Debt Service Coverage Ratio	1.45	1.45	-0.51	2.84	9.56
Interest Coverage Ratio	1.85	1.85	1.95	3.91	18.27
Debt to Market Cap	<0.01	<0.01	<0.01	0.03	0.05
Interest Debt Per Share	1.28	1.30	1.23	0.94	0.68
Net Debt to EBITDA	-4.77	-4.77	0.00	-4.94	-8.42
Profitability Margins
Gross Profit Margin	82.98%	83.22%	83.42%	89.22%	96.68%
EBIT Margin	31.43%	31.00%	-3.30%	36.80%	34.49%
EBITDA Margin	33.64%	33.17%	0.00%	40.41%	37.48%
Operating Profit Margin	31.43%	31.00%	32.88%	36.80%	34.49%
Pretax Profit Margin	31.43%	31.00%	32.88%	36.80%	34.49%
Net Profit Margin	24.23%	23.90%	23.66%	26.75%	25.29%
Continuous Operations Profit Margin	24.23%	23.90%	23.66%	26.75%	25.29%
Net Income Per EBT	77.10%	77.10%	71.96%	72.70%	73.31%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.11%	1.11%	1.06%	1.15%	0.85%
Return on Equity (ROE)	10.57%	9.97%	11.36%	13.54%	12.70%
Return on Capital Employed (ROCE)	1.43%	1.43%	14.53%	2.93%	17.33%
Return on Invested Capital (ROIC)	1.11%	1.11%	10.40%	2.13%	12.64%
Return on Tangible Assets	1.11%	1.11%	1.06%	1.15%	0.85%
Earnings Yield	9.24%	9.95%	13.25%	15.93%	13.55%
Efficiency Ratios
Receivables Turnover	11.87	12.03	11.05	11.83	10.93
Payables Turnover	0.00	0.00	0.00	0.43	0.11
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	0.00	0.00	6.83	5.74	5.70
Asset Turnover	0.05	0.05	0.04	0.04	0.03
Working Capital Turnover Ratio	-0.18	-0.18	-0.14	-0.16	-0.08
Cash Conversion Cycle	30.76	30.34	33.02	-815.78	-3.37K
Days of Sales Outstanding	30.76	30.34	33.02	30.85	33.38
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	846.64	3.40K
Operating Cycle	30.76	30.34	33.02	30.85	33.38
Cash Flow Ratios
Operating Cash Flow Per Share	0.43	0.43	1.17	1.63	1.30
Free Cash Flow Per Share	0.32	0.33	1.15	1.55	1.28
CapEx Per Share	0.11	0.11	0.02	0.07	0.02
Free Cash Flow to Operating Cash Flow	0.75	0.75	0.98	0.96	0.98
Dividend Paid and CapEx Coverage Ratio	4.05	4.04	55.82	22.14	61.88
Capital Expenditure Coverage Ratio	4.07	4.06	56.96	22.27	63.31
Operating Cash Flow Coverage Ratio	1.19	1.19	3.13	3.34	2.14
Operating Cash Flow to Sales Ratio	0.08	0.08	0.23	0.34	0.35
Free Cash Flow Yield	2.14%	2.45%	12.69%	19.19%	18.29%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.82	10.05	7.55	6.28	7.38
Price-to-Sales (P/S) Ratio	2.79	2.40	1.79	1.68	1.87
Price-to-Book (P/B) Ratio	1.08	1.00	0.86	0.85	0.94
Price-to-Free Cash Flow (P/FCF) Ratio	46.65	40.83	7.88	5.21	5.47
Price-to-Operating Cash Flow Ratio	33.02	30.77	7.74	4.98	5.38
Price-to-Earnings Growth (PEG) Ratio	7.09	0.86	-1.08	0.18	0.80
Price-to-Fair Value	1.08	1.00	0.86	0.85	0.94
Enterprise Value Multiple	3.54	2.47	0.00	-0.78	-3.44
Enterprise Value	103.83M	72.48M	21.94M	-25.46M	-81.00M
EV to EBITDA	3.54	2.47	0.00	-0.78	-3.44
EV to Sales	1.19	0.82	0.26	-0.32	-1.29
EV to Free Cash Flow	19.88	13.94	1.14	-0.98	-3.78
EV to Operating Cash Flow	15.00	10.51	1.12	-0.94	-3.72
Tangible Book Value Per Share	12.85	13.07	10.29	9.18	7.37
Shareholders’ Equity Per Share	13.12	13.35	10.56	9.52	7.47
Tax and Other Ratios
Effective Tax Rate	0.23	0.23	0.28	0.27	0.27
Revenue Per Share	5.39	5.56	5.07	4.82	3.75
Net Income Per Share	1.31	1.33	1.20	1.29	0.95
Tax Burden	0.77	0.77	0.72	0.73	0.73
Interest Burden	1.00	1.00	-9.96	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.31	0.32	0.29	0.33	0.39
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	0.01	0.01
Income Quality	0.76	0.75	0.98	1.26	1.37

Currency in USD