First Northern Community Bancorp
The stored financial sources have not been reconciled. Differences can involve reporting periods, currencies, continuing operations or income attributable to different owners. A model rating is withheld until the figures are compared on a consistent basis.
FNRN · Price history
Price at last available close
$16.85
−$0.39 (-2.26%) 1M
2026-10-27
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Company & revenue
About First Northern Community Bancorp
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
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.
How they make money
First Northern Community Bancorp operates as a bank holding company that generates revenue primarily through net interest income, which is the difference between interest earned on loans and investment securities and interest paid on deposits and borrowings. Additionally, the company earns non-interest income through service charges on deposit accounts, trust and investment services, and other financial fees provided to its community banking customers.
Products & services
The company provides a full range of community banking services including commercial and real estate loans, deposit accounts, safe deposit boxes, and alternative investment and fiduciary services through its subsidiary, First Northern Bank of Dixon.
Brands & revenue mix
The primary wholly-owned subsidiary bank through which all community banking services are provided.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
The company does not have a concentration of customers that individually account for more than 10% of total revenue as of December 31, 2025.
Suppliers, materials & equipment
- Information Technology and Core Banking System Providers — The company relies on third-party vendors for core banking software, data processing, and network infrastructure services; specific supplier names are not disclosed.Source
Business relationships & partnerships
- Raymond James Financial Services, Inc. — A commercial arrangement where Raymond James provides alternative investment products, fiduciary, and other financial services to the bank's customers.Source
Strengths
Sources
Company-specific research
Questions worth answering for FNRN
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can FNRN maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is FNRN's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •How is FNRN likely to use its cash advantage: reinvestment, acquisitions, debt reduction, dividends or buybacks?
- •Is FNRN's valuation discount tied to a temporary concern or to a longer-term business risk?
- •What does the current financial source inconsistency warning mean for the reliability or interpretation of FNRN's score?
Essential Investment Snapshot
Market Cap
$276.3M
EPS
$1.42
52-Week High
$19.25
52-Week Low
$11.88
Beta
0.02
Shares Outstanding
16.2M
Total Debt
$550K
Dividend
No current dividend
Liquidation Value / Share
$13.43
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for FNRN
Detected from reported data — verify before acting.Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Debt service risk
Interest coverage is low (~1.8x). Earnings may be strained to cover interest expense.
Community Sentiment
0 active · 0 total callsNo personal call yet on FNRN.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Established community presence in Northern California.
- +Long-standing history of operations since 1910.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Banks - Regional industry.
- −Interest rate fluctuations affecting net interest margin.
- −Credit risk associated with the loan portfolio.
- −Economic conditions in the Northern California market.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
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Scores
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Score Changes
Score changes will appear once more historical records are available.
Price vs. Value
UndervaluedCurrent Price
$16.85
Model Intrinsic Value
$47.93
Difference
−$31.08
-64.8% vs IV
Margin of Safety
64.8%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $89.7M | $88.4M | $84.7M | $80.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $15.3M | $14.8M | $14.0M | $8.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $74.5M | $73.6M | $70.6M | $71.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $21.0M | $26.2M | $24.6M | $26.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $45.8M | $46.2M | $42.8M | $42.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $30.7M | $29.3M | $30.6M | $32.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $28.7M | $27.4M | $27.8M | $29.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $15.2M | $14.8M | $14.3M | $7.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $28.7M | $27.4M | $27.8M | $29.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $6.1M | $6.3M | $7.8M | $8.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $22.6M | $21.1M | $20.0M | $21.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $1.42 | $1.34 | $1.20 | $1.29 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 16.12M | 15.89M | 16.69M | 16.73M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 16.51M | 16.17M | 16.91M | 16.89M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$22.6M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.29
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-82.6%
Cash Change
-19.8%
Margin Change
-4.1 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Debt reduced
What Weakened
- Margins contracted
- Cash position declined
Potential Score Impact
Positive indicators included revenue growth, debt levels. Pressure indicators included EPS growth, cash levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 3.4%. EPS declined 17.1%. Cash declined 19.8%. Total debt declined 82.6%. Net income margin declined by 4.1 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
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6 historical recordsHistorical Score Chart
3 of 6 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Banks - RegionalRumor Mill · FNRN
Corporate developments & opportunities
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