Friday 6 November 2026 Export FNRN’s income statement to Excel — free account

First Northern Community Bancorp

First Northern Community Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $88.4 million, up 4.41% from fiscal 2024.

Revenue: +2.07%
EPS: −13.0%
Free cash flow: +31.7%

Quarter to June 2026, against a year earlier

17.95 0.40 −2.18%

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Market cap: $291.4M
P/E: 13.1×
Fwd P/E: —
Dividend yield: —
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview

Insider Decisions last twelve months

Bought, $m 0.10

Sold, $m 0.56

Trades a month
	Jan 26			Apr 26			Jul 26			Oct 26
Buy	—	—	4	—	—	—	—	—	2	—	—	—
Sell	—	—	—	—	—	4	—	—	4	—	—	—

Insider Ownership 8.37%

Capital & Financial Ratios $m

Size

Market Cap 291.41

Revenue ttm 90.61

Net income ttm 22.63

Free cash flow ttm 6.33

Net debt Q (124.30)

Valuation

P/E 13.06

Forward P/E —

Price / sales 3.19

Forward P/S Powerpack

Price / FCF 45.72

Price / book 1.33

Financial health

Current ratio Q 0.75

Debt / equity Q 0.00

Interest coverage Q —

Growth

Revenue growth Q +2.07%

Operating income growth Q −18.19%

EPS, this year —

EPS, next year A —

Revenue, next year A —

EPS, past 5 yrs +12.49%

EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 72.61%

10-year low 10-year high

P/S against its own 10 years 91.60%

10-year low 10-year high

P/B against its own 10 years 80.23%

10-year low 10-year high

Dividends

Yield: —
Annual rate: —
Payout ratio: —

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	169	136	156	124
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	1,275	1,235	1,269	1,282

	2023	2024	2025	Q'26
Payables	1,692	1,700	1,679	1,692
ST’ Debt	—	—	—	—
Other	—	—	—	—
	1,713	1,715	1,699	1,709

Compound Annual Growth %

	10y	5y	3y
Sales	8.52%	9.30%	12.06%
Cash Flow	(6.53%)	(11.34%)	(31.84%)
Earnings	11.98%	11.68%	9.98%
Book Value	9.46%	7.07%	19.25%

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.36	0.29	—	—	—
’25	0.22	0.33	0.36	0.34	1.21
’24	0.25	0.26	0.33	0.34	1.19
’23	0.33	0.27	0.28	0.39	1.34
’22	0.18	0.21	0.27	0.27	0.90
’21	0.18	0.19	0.26	0.18	0.78
’20	0.16	0.16	0.20	0.19	0.67

Fiscal quarters ending in the months shown.

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	23	23	—	—	—
’25	21	22	22	23	88
’24	20	21	22	22	85
’23	20	21	20	21	82
’22	14	15	17	18	63
’21	13	14	14	14	55
’20	13	13	15	15	57

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	4	3	—	—	—
’25	3	3	(7)	8	7
’24	3	3	8	6	20
’23	5	8	12	2	27
’22	2	4	7	9	22
’21	1	13	5	6	25
’20	(6)	19	0	(2)	13

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	4	3	—	—	—
’25	3	2	(7)	7	5
’24	3	2	8	6	19
’23	5	8	11	2	26
’22	2	4	7	8	21
’21	1	13	4	6	24
’20	(6)	19	0	(2)	12

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	TTM Jun ’26	Trend	10 yrs	2026e	2027e	2028e	Next 3/yr
													Ten-year view		Analyst estimates Powerpack
Income, $m
Income, $m	Revenue	43	48	53	56	57	55	63	82	85	88	91		+8.3%	—	—	—	—
	Gross margin, %	97.32	97.76	97.60	96.69	97.38	98.34	98.11	90.75	83.12	83.22	83.21		(14.1) pt	Powerpack First Northern Community Bancorp’s next three years, line by line See the consensus for every other line: earnings, margins, cash flow, valuation and returns. Unlock estimates Try Powerpack free for 7 days, then $99 / year ($8.25 a month). Cancel any time. Also in Powerpack: every quarter, Excel exports, API & MCP access. Compare plans
	EBT	13	17	17	20	17	19	22	30	28	27	29		+8.7%
	EBT margin, %	29.91	35.45	32.74	36.29	29.40	35.29	34.49	36.17	32.88	31.00	31.65		+1.1 pt
	Net income	8	9	13	15	12	14	16	22	20	21	23		+11.3%
Per share, $
Per share, $	Revenue	2.55	2.83	3.09	3.28	3.30	3.23	3.78	4.90	5.08	5.43	5.62		+8.8%
	Earnings	0.46	0.49	0.69	0.81	0.67	0.78	0.90	1.22	1.12	1.21	1.37		+11.4%
	Cash flow	0.57	0.95	0.92	0.97	0.73	1.48	1.31	1.63	1.17	0.42	0.54		(3.3%)
	Capex	(0.05)	0.10	(0.06)	(0.02)	(0.05)	(0.05)	(0.02)	(0.07)	(0.02)	(0.10)	(0.14)		+7.5%
	Free cash flow	0.52	1.04	0.86	0.94	0.68	1.43	1.29	1.56	1.15	0.32	0.39		(5.2%)
	Book value	5.44	5.88	6.58	7.76	8.78	8.85	7.52	9.52	10.58	13.01	13.47		+10.2%
	Shares, m	17	17	17	17	17	17	17	17	17	16	16		(0.5%)
Valuation, ×
Valuation, ×	P/E	12.98	17.12	10.51	9.74	10.75	9.95	7.10	6.05	7.68	10.04	13.06		10.2
	P/S	2.36	3.07	2.44	2.49	2.28	2.49	1.76	1.57	1.78	2.34	3.19		2.3
	P/B	1.10	1.48	1.15	1.05	0.86	0.91	0.89	0.81	0.86	0.98	1.33		1.0
	EV/Sales	(1.23)	0.34	0.48	0.50	(2.64)	(3.95)	(1.47)	(0.43)	0.24	0.64	—		(0.8)
	EV/FCF	(6.06)	0.92	1.73	1.74	(12.78)	(8.88)	(4.32)	(1.36)	1.08	10.87	—		(1.7)
Cash, $m
Cash, $m	Operating cash flow	10	16	16	17	13	25	22	27	20	7	9		(3.7%)
	Capex	(1)	2	(1)	0	(1)	(1)	0	(1)	0	(2)	(2)		+7.0%
	Free cash flow	9	18	15	16	12	24	21	26	19	5	6		(5.7%)
Balance, $m
Balance, $m	Working capital	(196)	(193)	(216)	(223)	(286)	(495)	(509)	(438)	(481)	(430)	(427)		+9.1%
	Net debt	(176)	(155)	(124)	(126)	(286)	(359)	(208)	(169)	(136)	(156)	(124)		(1.3%)
	Shareholders’ equity	92	100	112	133	151	151	125	159	176	212	217		+9.7%
Returns, %
Returns, %	ROA	0.73	0.73	1.02	1.16	0.83	0.80	0.84	1.15	1.06	1.11	1.19		+0.4 pt
	ROIC	0.00	0.00	0.00	189.59	0.00	0.00	0.00	0.00	42.64	30.43	18.73		+30.4 pt
	ROE	9.04	9.10	11.81	12.00	8.58	9.41	11.51	15.16	11.94	10.88	10.98		+1.8 pt
People
People	Employees	185	191	201	214	214	190	192	203	187	204	—		+1.1%
	Revenue/emp, $m	0.23	0.25	0.26	0.26	0.26	0.29	0.33	0.40	0.45	0.43	—		+7.1%

Negative figures in brackets.

estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 25 Oct 2026

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
NEWT NewtekOne, Inc.	$308.3M	4.8×	6.2×	+14.68% (above 0%: growing)	−9.43% (below 0%: shrinking)	+18.31% (above 0%: growing)	100.00%	70.56%	Compare
MYFW First Western Financial, Inc.	$300.4M	14.1×	12.9×	+0.29% (above 0%: growing)	+84.85% (above 0%: growing)	−26.07% (below 0%: shrinking)	57.81%	0.00%	Compare
BPRN Princeton Bancorp, Inc.	$299.7M	11.6×	11.2×	−2.61% (below 0%: shrinking)	+940.00% (above 0%: growing)	−38.15% (below 0%: shrinking)	65.93%	0.00%	Compare
FUNC First United Corporation	$295.0M	11.7×	10.8×	+4.79% (above 0%: growing)	+3.97% (above 0%: growing)	+1,978.11% (above 0%: growing)	77.40%	0.00%	Compare
FVCB Fvcbankcorp, Inc.	$293.8M	10.9×	10.5×	+9.18% (above 0%: growing)	+19.35% (above 0%: growing)	−23.59% (below 0%: shrinking)	64.10%	0.00%	Compare
FNRN First Northern Community Bancorp	$291.4M	13.1×	—	+2.07% (above 0%: growing)	−12.99% (below 0%: shrinking)	+31.66% (above 0%: growing)	83.16%	0.00%
QNBC QNB Corp.	$291.4M	— (loss-making)	— (loss-making)	−74.89% (below 0%: shrinking)	n/m	+282.00% (above 0%: growing)	(90.91%)	0.00%	Compare
VABK Virginia National Bankshares Corporation	$288.7M	11.6×	17.8×	+24.86% (above 0%: growing)	+110.13% (above 0%: growing)	−47.94% (below 0%: shrinking)	77.48%	0.00%	Compare
OVLY Oak Valley Bancorp (CA)	$288.3M	12.1×	—	+4.45% (above 0%: growing)	−8.82% (below 0%: shrinking)	−20.28% (below 0%: shrinking)	85.32%	0.00%	Compare
Median of peers	$294.4M	11.6×	11.0×	+4.62%	+19.35%	−21.93%	71.67%	0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 9 April 2026

Chief executive’s pay

Year	Total pay	Actually paid	$100 invested
2025	931.89k	1.19m	191.00
2024	831.35k	911.35k	136.00
2023	1.04m	1.12m	116.00

Ownership

Directors and executive officers, together 11.92%

Fourthstone LLC, Fourthstone Master Opportunity Fund Ltd, Fourthstone QP Opportunity Fund LP, Fourthstone Small-Cap Financials Fund LP, Fourthstone GP LLC, and L. Phillip Stone, IV 9.48%

M3 Funds, LLC, M3 Partners, LP, M3F, Inc., Jason A. Stock, and William C. Waller 7.70%

Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement