Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
FNRN
HoldPremium GrowerFirst Northern Community Bancorp · Financial Services · United States · $281M · Avg Vol: $2M/d
53
StockRankGet insider-trade alerts
Q
50
V
43
M
55
P/E (TTM)
13.3x
ROE
11.0%
D/E
—
Dividend %
—
COMPANY DESCRIPTION
First Northern Community Bancorp is a regional bank holding company providing comprehensive financial products to communities in California. It emphasizes local economic growth and personalized banking, differentiating itself from larger national competitors through customer-focused branch operations.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|---|
| Revenue | — | 61.6M | 73.0M | 70.4M | 73.6M | 6.1% | 75.3M |
| EPS | — | 0.86 | 1.17 | 0.34 | 1.26 | 13.5% | 1.30 |
| Shares | — | 17.0M | 17.1M | 16.7M | 17.2M | +1.6% | 16.4M |
| Debt | 0 | — | — | — | — | — | — |
| Equity | — | 125.0M | 159.2M | 176.3M | 212.0M | 19.2% | — |
| Op CF | — | 21.8M | 27.3M | 19.5M | 6.9M | -31.8% | 8.7M |
| Inv CF | — | -178.8M | 83.6M | -53.3M | 44.8M | — | — |
| Fin CF | — | -1.5M | -149.1M | 4.0M | -25.6M | — | — |
Loading 1Y...
PRICE (1Y)-5.3%
SMA 50SMA 200
Close
$17.27
RSI (14)
46.6
52W High
$19.25
From 52W High
0.9%
SCORE BREAKDOWN
Quality
50
ROIC (ROA)
1.2%*41.6
ROE
11.0%55.5
GP/Assets
3.9%N/A
Op. Margin
35.6%52.4
FCF/Assets
0.3%N/A
Piotroski
455.4
Int. Cover
—50.0
D/E Ratio
bankN/A
Current Ratio
bankN/A
Value
43
P/E (TTM)
13.3x47.3
EV/EBITDA
bankN/A
P/FCF
49.9xN/A
P/B
1.3x44.4
P/S
3.8x48.1
Div Yield
—N/A
Momentum
55
52W High %
90%45.0
RS 6M
10%71.4
SMA 50/200
1.14x82.2
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
-14%18.1
FUNDAMENTALS
Market Cap
$281M
P/E (Forward)
—
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FNRN are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| FNRN | First Northern Community Bancorp(you) | $281M | 53 | Hold |
| FXNC | First National Corporation | $278M | 55 | Hold |
| OVLY | Oak Valley Bancorp | $286M | 58 | Hold |
| MRBK | Meridian Corporation | $230M | 57 | Hold |
| FSBW | FS Bancorp, Inc. | $302M | 61 | Hold |
| BRBS | Blue Ridge Bankshares, Inc. | $352M | 48 | Hold |
| FBLA | FB Bancorp, Inc. | $229M | 47 | Hold |
| JMSB | John Marshall Bancorp, Inc. | $324M | 61 | Hold |
| BSVN | Bank7 Corp. | $497M | 54 | Hold |
| COSO | CoastalSouth Bancshares, Inc. | $329M | 63 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%