First Northern Community Bancorp (FNRN) AI Stock Analysis

• Market Cap: $243.87M
• Dividend Yield: N/A
• Average Volume (3M): 5.41K
• Price to Earnings (P/E): 10.0
• Beta (1Y): -0.19
• Revenue Growth: 3.90%
• EPS Growth: 2.47%
• Country: US
• Employees: 187
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.34
• Shares Outstanding: 15,683,051
• 10 Day Avg. Volume: 5,378
• 30 Day Avg. Volume: 5,413
• PEG Ratio: 0.86
• Price to Book (P/B): 1.00
• Price to Sales (P/S): 2.40
• P/FCF Ratio: 40.83
• Enterprise Value/Market Cap: 0.47
• Enterprise Value/Revenue: 1.32
• Enterprise Value/Gross Profit: 1.60
• Enterprise Value/Ebitda: 3.94
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 71 Outperform
• Price Target: $17.50 ▲(30.40% Upside)
• Action: Reiterated Date: 03/31/26
• Date: Action: Reiterated 03/31/26

The score is anchored by solid profitability and a conservatively positioned balance sheet, but it is held back by the latest-year cash flow reversal to negative and a notable revenue decline. Technicals are supportive due to a clear uptrend, though extreme RSI/Stoch readings raise pullback risk, while valuation appears attractive at ~10x earnings and recent corporate actions (buyback/uplisting effort) add a modest positive.

Positive Factors

Conservative balance sheet / low leverage

Very conservative leverage and a larger equity base provide durable financial flexibility. Low debt relative to equity helps absorb losses, supports continued lending through cycles, and preserves capacity for strategic actions (dividends, buybacks, or opportunistic growth) over months.

Negative Factors

Material revenue decline

A 15.4% year-over-year revenue drop signals weakening top-line momentum. Persisting revenue erosion reduces scalability, pressures operating leverage, and forces management to rely on margin expansion or cost cuts to sustain earnings, creating execution risk over coming months.

First Northern Community Bancorp Business Overview & Revenue Model

Company Description

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...

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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...

How the Company Makes Money

First Northern Community Bancorp primarily makes money through its banking subsidiary by earning net interest income and noninterest income. Net interest income is generated from the spread between (1) interest earned on interest-earning assets—pr...

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First Northern Community Bancorp primarily makes money through its banking subsidiary by earning net interest income and noninterest income. Net interest income is generated from the spread between (1) interest earned on interest-earning assets—pr...

First Northern Community Bancorp Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	88.40M	84.67M	80.56M	62.81M	55.04M
Gross Profit	73.57M	70.63M	71.88M	60.73M	55.63M
EBITDA	29.33M	0.00	32.55M	23.54M	21.25M
Net Income	21.13M	20.03M	21.55M	15.88M	14.19M
Balance Sheet
Total Assets	1.91B	1.89B	1.87B	1.87B	1.90B
Cash, Cash Equivalents and Short-Term Investments	574.61M	562.66M	741.28M	826.46M	991.41M
Total Debt	5.79M	6.24M	8.13M	10.17M	10.76M
Total Liabilities	1.70B	1.72B	1.71B	1.75B	1.75B
Stockholders Equity	212.02M	176.33M	159.25M	125.04M	150.91M
Cash Flow
Free Cash Flow	5.20M	19.19M	25.97M	21.44M	24.47M
Operating Cash Flow	6.90M	19.54M	27.19M	21.78M	25.27M
Investing Cash Flow	44.82M	-53.28M	83.72M	-178.78M	-186.38M
Financing Cash Flow	-25.61M	3.98M	-149.11M	-1.51M	239.85M

First Northern Community Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 13.42
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FNRN, the sentiment is Positive. The current price of 13.42 is below the 20-day moving average (MA) of 14.86, below the 50-day MA of 14.15, and above the 200-day MA of 12.31, indicating a bullish trend. The MACD of 0.52 indicates Negative momentum. The RSI at 75.40 is Negative, neither overbought nor oversold. The STOCH value of 84.80 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FNRN.

First Northern Community Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FRAF	73 Outperform	$245.39M	10.64	9.91%	2.51%	12.06%	10.38%
FNRN	71 Outperform	$243.87M	10.05	10.57%	―	3.90%	2.47%
OPBK	69 Neutral	$208.17M	8.19	11.75%	3.32%	9.10%	12.36%
VABK	69 Neutral	$211.62M	11.15	11.02%	3.41%	1.11%	14.44%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FXNC	63 Neutral	$256.40M	12.82	9.98%	2.49%	48.94%	11.61%
EFSI	58 Neutral	$203.02M	26.01	6.63%	3.11%	-1.45%	-31.32%

First Northern Community Bancorp Corporate Events