FNRN
First Northern Community Bancorp
Price Chart
Latest Quote
$17.83
-0.57 (-3.10%)
Current Price
| Previous Close | $18.40 |
| Open | $18.49 |
| Day High | $18.49 |
| Day Low | $16.79 |
| Volume | 417,401 |
Stock Information
| Shares Outstanding | 16.41M |
| Total Debt | $5.57M |
| Cash Equivalents | $149.76M |
| Revenue | $75.67M |
| Net Income | $23.36M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $292.54M |
| P/E Ratio | 13.82 |
| EPS (TTM) | $1.29 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $148.35M |
| Sales | $75.67M |
| Income | $23.36M |
| Book/sh | $13.03 |
| Cash/sh | $9.13 |
| Employees | 204 |
Financial Ratios
| EPS Growth TTM | 60.90% |
Returns & Margins
| ROA | 1.23% |
| ROE | 11.63% |
| Operating Margin | 42.19% |
| Profit Margin | 30.88% |
Ownership
| Insider Ownership | 9.38% |
| Institutional Ownership | 18.18% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| PEG | 0.14 |
| P/S | 3.87 |
| P/B | 1.37 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $17.57 |
| SMA50 | $16.97 |
| SMA200 | $14.03 |
| RSI | 65.63 |
| ATR | 0.4450 |
| Shares Float | 11.91M |
| Short Float | 0.48% |
| Short Ratio | 1.17 |
| Volatility | 0.02 |
| Rel Volume | 2.15 |
Performance History
| Week | -1.49% |
| Month | +1.83% |
| Quarter | +26.10% |
| 6 Months | +39.09% |
| YTD | +40.13% |
| Year | +91.04% |
| 3 Years | +194.86% |
| 5 Years | +99.79% |
| 10 Years | +199.57% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-22 | $17.83 | 487,000 |
| 2026-06-18 | $18.40 | 1,400,900 |
| 2026-06-17 | $18.16 | 363,500 |
| 2026-06-16 | $18.21 | 367,400 |
| 2026-06-15 | $18.03 | 189,700 |
| 2026-06-12 | $18.10 | 157,200 |
| 2026-06-11 | $17.87 | 172,000 |
| 2026-06-10 | $17.83 | 176,500 |
| 2026-06-09 | $17.61 | 138,300 |
| 2026-06-08 | $17.44 | 159,500 |
| 2026-06-05 | $17.25 | 104,100 |
| 2026-06-04 | $17.10 | 65,700 |
| 2026-06-03 | $17.05 | 169,700 |
| 2026-06-02 | $17.13 | 65,200 |
| 2026-06-01 | $17.13 | 54,800 |
| 2026-05-29 | $17.20 | 136,000 |
| 2026-05-28 | $17.20 | 58,400 |
| 2026-05-27 | $17.20 | 86,700 |
| 2026-05-26 | $17.29 | 131,300 |
About 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 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. In addition, the company provides debit and credit cards; investment and brokerage services; alternative investment products, and fiduciary and other financial services; equipment leasing, merchant card processing, payroll, and international banking services through third parties; and other customary banking services. Further, it rents safe deposit boxes. The company operates branches located in the cities of Auburn, Colusa, Davis, Dixon, Fairfield, Orland, Rancho Cordova, Roseville, Sacramento, Vacaville, West Sacramento, Winters, Willows, and Woodland; satellite banking office inside a retirement community in the city of Davis; and residential mortgage loan office in Davis. First Northern Community Bancorp was founded in 1910 and is headquartered in Dixon, California.
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $73,569,000 | $70,379,000 | $72,979,000 | $61,629,000 |
| Operating Revenue | $73,569,000 | $70,379,000 | $72,979,000 | $61,629,000 |
| Expenses | ||||
| Interest Expense | $14,835,000 | $14,292,000 | $7,584,000 | $1,186,000 |
| Selling And Marketing Expense | $491,000 | $460,000 | $474,000 | $496,000 |
| General And Administrative Expense | $25,675,000 | $24,159,000 | $26,241,000 | $24,494,000 |
| Other Non Interest Expense | $14,200,000 | $12,614,000 | $11,765,000 | $10,475,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $21,128,000 | $20,034,000 | $21,554,000 | $15,884,000 |
| Net Interest Income | $67,472,000 | $64,360,000 | $66,539,000 | $54,696,000 |
| Interest Income | $82,307,000 | $78,652,000 | $74,123,000 | $55,882,000 |
| Normalized Income | $21,128,000 | $20,034,000 | $20,532,565 | $15,884,000 |
| Net Income From Continuing And Discontinued Operation | $21,128,000 | $20,034,000 | $21,554,000 | $15,884,000 |
| Net Income Common Stockholders | $21,128,000 | $20,034,000 | $21,554,000 | $15,884,000 |
| Net Income | $21,128,000 | $20,034,000 | $21,554,000 | $15,884,000 |
| Net Income Including Noncontrolling Interests | $21,128,000 | $20,034,000 | $21,554,000 | $15,884,000 |
| Net Income Continuous Operations | $21,128,000 | $20,034,000 | $21,554,000 | $15,884,000 |
| Pretax Income | $27,405,000 | $27,840,000 | $29,646,000 | $21,666,000 |
| Depreciation Amortization Depletion Income Statement | $731,000 | $820,000 | $829,000 | $0 |
| Depreciation And Amortization In Income Statement | $731,000 | $820,000 | $829,000 | $0 |
| Amortization Of Intangibles Income Statement | $731,000 | $820,000 | $829,000 | $0 |
| Special Income Charges | - | $0 | $1,405,000 | $0 |
| Per Share | ||||
| Diluted EPS | $1.25 | $0.34 | $1.16 | $0.86 |
| Basic EPS | $1.26 | $0.34 | $1.17 | $0.86 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $383,565 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $2,652,000 | $2,795,000 | $2,908,000 | $1,876,000 |
| Diluted Average Shares | $17,009,609 | $16,740,203 | $18,617,933 | $18,633,084 |
| Basic Average Shares | $16,722,395 | $16,740,203 | $18,443,346 | $18,458,498 |
| Diluted NI Availto Com Stockholders | $21,128,000 | $20,034,000 | $21,554,000 | $15,884,000 |
| Tax Provision | $6,277,000 | $7,806,000 | $8,092,000 | $5,782,000 |
| Gain On Sale Of Security | $-199,000 | $-234,000 | $-112,000 | $-152,000 |
| Amortization | $731,000 | $820,000 | $829,000 | $0 |
| Selling General And Administration | $26,166,000 | $24,619,000 | $26,715,000 | $24,990,000 |
| Salaries And Wages | $25,675,000 | $24,159,000 | $26,241,000 | $24,494,000 |
| Occupancy And Equipment | $5,067,000 | $4,736,000 | $4,329,000 | $3,598,000 |
| Total Unusual Items | - | $0 | $1,405,000 | $0 |
| Total Unusual Items Excluding Goodwill | - | $0 | $1,405,000 | $0 |
| Restructuring And Mergern Acquisition | - | $0 | $-1,405,000 | $0 |
| Other Gand A | - | - | - | $292,000 |
Fetched: 2026-06-16
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $206,527,000 | $171,699,000 | $153,622,000 | $123,390,000 |
| Total Assets | $1,910,950,000 | $1,891,722,000 | $1,871,832,000 | $1,871,361,000 |
| Goodwill And Other Intangible Assets | $5,491,000 | $4,633,000 | $5,623,000 | $1,650,000 |
| Other Intangible Assets | $5,491,000 | $4,633,000 | $5,623,000 | $1,650,000 |
| Prepaid Assets | $8,133,000 | $5,503,000 | $5,871,000 | $7,130,000 |
| Receivables | $18,148,000 | $7,338,000 | $6,810,000 | $5,745,000 |
| Other Receivables | $10,800,000 | $-322,000 | - | - |
| Accounts Receivable | $7,348,000 | $7,660,000 | $6,810,000 | $5,745,000 |
| Cash And Cash Equivalents | $155,734,000 | $135,522,000 | $168,921,000 | $208,365,000 |
| Cash Cash Equivalents And Federal Funds Sold | $155,734,000 | $135,522,000 | $168,921,000 | $208,365,000 |
| Debt | ||||
| Total Debt | - | - | - | - |
| Current Debt And Capital Lease Obligation | - | - | - | - |
| Current Debt | - | - | - | - |
| Other Current Borrowings | - | - | - | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,698,932,000 | $1,715,390,000 | $1,712,587,000 | $1,746,321,000 |
| Payables And Accrued Expenses | - | - | $20,143,000 | $19,447,000 |
| Payables | - | - | $20,143,000 | $19,447,000 |
| Accounts Payable | - | - | $20,143,000 | $19,447,000 |
| Equity | ||||
| Common Stock Equity | $212,018,000 | $176,332,000 | $159,245,000 | $125,040,000 |
| Total Equity Gross Minority Interest | $212,018,000 | $176,332,000 | $159,245,000 | $125,040,000 |
| Stockholders Equity | $212,018,000 | $176,332,000 | $159,245,000 | $125,040,000 |
| Gains Losses Not Affecting Retained Earnings | $-15,478,000 | $-33,851,000 | $-33,727,000 | $-46,528,000 |
| Other Equity Adjustments | $-15,478,000 | $-33,851,000 | $-33,727,000 | $-46,528,000 |
| Retained Earnings | $91,953,000 | $81,304,000 | $68,760,000 | $54,492,000 |
| Other | ||||
| Ordinary Shares Number | $17,226,595 | $16,740,203 | $17,069,270 | $16,962,197 |
| Share Issued | $17,226,595 | $16,740,203 | $17,069,270 | $16,962,197 |
| Tangible Book Value | $206,527,000 | $171,699,000 | $153,622,000 | $123,390,000 |
| Additional Paid In Capital | $977,000 | $977,000 | $977,000 | $977,000 |
| Capital Stock | $134,566,000 | $127,902,000 | $123,235,000 | $116,099,000 |
| Common Stock | $134,566,000 | $127,902,000 | $123,235,000 | $116,099,000 |
| Investments And Advances | $617,243,000 | $633,853,000 | $572,357,000 | $618,092,000 |
| Available For Sale Securities | $198,372,000 | $206,713,000 | - | - |
| Net PPE | $14,104,000 | $12,403,000 | $14,035,000 | $11,027,000 |
| Accumulated Depreciation | $-21,226,000 | $-20,230,000 | $-19,173,000 | $-18,248,000 |
| Gross PPE | $35,330,000 | $32,633,000 | $33,208,000 | $29,275,000 |
| Leases | $3,403,000 | $2,673,000 | $2,673,000 | $2,209,000 |
| Other Properties | $5,393,000 | $3,155,000 | $4,073,000 | $4,905,000 |
| Machinery Furniture Equipment | $15,781,000 | $15,279,000 | $14,980,000 | $14,132,000 |
| Buildings And Improvements | $9,171,000 | $8,703,000 | $8,659,000 | $5,737,000 |
| Land And Improvements | $1,582,000 | $2,823,000 | $2,823,000 | $2,292,000 |
| Other Short Term Investments | $418,871,000 | $633,853,000 | $572,357,000 | $618,092,000 |
Fetched: 2026-06-16
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $5,198,000 | $19,194,000 | $26,079,000 | $21,436,000 |
| Operating Activities | ||||
| Operating Cash Flow | $6,898,000 | $19,537,000 | $27,300,000 | $21,780,000 |
| Cash Flow From Continuing Operating Activities | $6,898,000 | $19,537,000 | $27,300,000 | $21,780,000 |
| Operating Gains Losses | $154,000 | $182,000 | $1,000 | $7,000 |
| Investing Activities | ||||
| Capital Expenditure | $-1,700,000 | $-343,000 | $-1,221,000 | $-344,000 |
| Investing Cash Flow | $44,818,000 | $-53,276,000 | $83,608,000 | $-178,785,000 |
| Cash Flow From Continuing Investing Activities | $44,818,000 | $-53,276,000 | $83,608,000 | $-178,785,000 |
| Net Other Investing Changes | $-353,000 | - | $-1,078,000 | $-2,343,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-4,749,000 | $-3,764,000 | $-143,000 | $-187,000 |
| Issuance Of Capital Stock | $93,000 | $102,000 | $96,000 | $116,000 |
| Financing Cash Flow | $-25,610,000 | $3,976,000 | $-149,114,000 | $-1,507,000 |
| Cash Flow From Continuing Financing Activities | $-25,610,000 | $3,976,000 | $-149,114,000 | $-1,507,000 |
| Cash Dividends Paid | $-8,000 | $-7,000 | $-7,000 | $-8,000 |
| Common Stock Dividend Paid | $-8,000 | $-7,000 | $-7,000 | $-8,000 |
| Net Common Stock Issuance | $-4,656,000 | $-3,662,000 | $-47,000 | $-71,000 |
| Common Stock Issuance | $93,000 | $102,000 | $96,000 | $116,000 |
| Other | ||||
| Repayment Of Debt | $-20,000,000 | $0 | - | $0 |
| Issuance Of Debt | $20,000,000 | $0 | - | - |
| Interest Paid Supplemental Data | $15,325,000 | $14,644,000 | $6,110,000 | $1,135,000 |
| Income Tax Paid Supplemental Data | $18,780,000 | $7,670,000 | $8,500,000 | $4,660,000 |
| End Cash Position | $145,554,000 | $119,448,000 | $149,211,000 | $187,417,000 |
| Beginning Cash Position | $119,448,000 | $149,211,000 | $187,417,000 | $345,929,000 |
| Changes In Cash | $26,106,000 | $-29,763,000 | $-38,206,000 | $-158,512,000 |
| Common Stock Payments | $-4,749,000 | $-3,764,000 | $-143,000 | $-187,000 |
| Net Issuance Payments Of Debt | $0 | $0 | - | $0 |
| Net Long Term Debt Issuance | $0 | $0 | - | $0 |
| Long Term Debt Payments | $-20,000,000 | $0 | - | $0 |
| Long Term Debt Issuance | $20,000,000 | $0 | - | - |
| Net Investment Purchase And Sale | $44,007,000 | $-62,496,000 | $61,417,000 | $-52,163,000 |
| Sale Of Investment | $178,481,000 | $167,838,000 | $152,741,000 | $124,756,000 |
| Purchase Of Investment | $-134,474,000 | $-230,334,000 | $-91,324,000 | $-176,919,000 |
| Net PPE Purchase And Sale | $-1,700,000 | $-343,000 | $-1,221,000 | $-344,000 |
| Purchase Of PPE | $-1,700,000 | $-343,000 | $-1,221,000 | $-344,000 |
| Change In Working Capital | $-159,000 | $-4,891,000 | $-78,000 | $-44,000 |
| Change In Payables And Accrued Expense | $5,885,000 | $-4,479,000 | $883,000 | $937,000 |
| Change In Payable | $5,885,000 | $-4,479,000 | $883,000 | $937,000 |
| Change In Account Payable | $5,885,000 | $-4,479,000 | $883,000 | $937,000 |
| Change In Receivables | $-6,044,000 | $-412,000 | $-961,000 | $-981,000 |
| Changes In Account Receivables | $-6,044,000 | $-412,000 | $-961,000 | $-981,000 |
| Other Non Cash Items | $-14,764,000 | $-12,000 | $-542,000 | $-1,130,000 |
| Stock Based Compensation | $849,000 | $846,000 | $820,000 | $655,000 |
| Amortization Of Securities | $-1,392,000 | $230,000 | $1,941,000 | $4,319,000 |
| Deferred Tax | $-1,570,000 | $603,000 | $-404,000 | $-687,000 |
| Deferred Income Tax | $-1,570,000 | $603,000 | $-404,000 | $-687,000 |
| Depreciation Amortization Depletion | $2,652,000 | $2,795,000 | $2,908,000 | $1,876,000 |
| Depreciation And Amortization | $2,652,000 | $2,795,000 | $2,908,000 | $1,876,000 |
| Amortization Cash Flow | $731,000 | $820,000 | $829,000 | $0 |
| Amortization Of Intangibles | $731,000 | $820,000 | $829,000 | $0 |
| Depreciation | $1,921,000 | $1,975,000 | $2,079,000 | $1,876,000 |
| Gain Loss On Investment Securities | $199,000 | $234,000 | $112,000 | $152,000 |
| Net Income From Continuing Operations | $21,128,000 | $20,034,000 | $21,554,000 | $15,884,000 |
| Net Business Purchase And Sale | - | $0 | $103,425,000 | $0 |
| Sale Of Business | - | $0 | $103,425,000 | $0 |
Fetched: 2026-06-16