Saturday 17 October 2026
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First Northern Community Bancorp
FNRN Financial Banks Regional
First Northern Community Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $88.4 million, up 4.41% from fiscal 2024. In the quarter to June 2026, revenue grew 2.07%, EPS fell 13.0% and free cash flow grew 31.7%, each against the same quarter a year earlier. Revenue growth for three consecutive years; insiders bought in the last twelve months.
16.80
0.13
+0.78%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
8 | 5 | 7 | 7 | 6 | 5 | 6 | 6 | 8 | — |
P/E ratio |
10.04 | 7.68 | 6.05 | 7.10 | 9.95 | 11.28 | 10.74 | 12.17 | 19.81 | 15.61 |
P/S ratio |
2.34 | 1.78 | 1.57 | 1.76 | 2.49 | 2.39 | 2.75 | 2.82 | 3.56 | 2.84 |
P/FCF ratio |
39.87 | 7.94 | 4.93 | 5.17 | 5.60 | 11.57 | 9.54 | 10.13 | 9.65 | 13.97 |
P/Operating CF |
27.35 | 23.85 | 55.84 | 12.65 | 22.95 | (82.10) | 24.46 | 54.46 | 44.35 | 40.04 |
P/B ratio |
0.98 | 0.86 | 0.81 | 0.89 | 0.91 | 0.90 | 1.16 | 1.33 | 1.71 | 1.33 |
Price to Tangible BV |
1.00 | 0.87 | 0.83 | 0.89 | 0.91 | 0.90 | 1.16 | 1.33 | 1.71 | 1.33 |
EV/Sales |
0.64 | 0.24 | (0.43) | (1.47) | (3.95) | (2.64) | 0.50 | 0.48 | 0.34 | (1.23) |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
8.19 | 1.05 | (1.30) | (4.25) | (8.59) | (11.90) | 1.69 | 1.62 | 1.01 | (5.48) |
EV/FCF |
10.87 | 1.08 | (1.36) | (4.32) | (8.88) | (12.78) | 1.74 | 1.73 | 0.92 | (6.06) |
Quick Ratio |
0.09 | 0.08 | 0.10 | 0.12 | 0.21 | 0.19 | 0.11 | 0.11 | 0.14 | 0.16 |
Current Ratio |
0.75 | 0.72 | 0.74 | 0.71 | 0.72 | 0.81 | 0.81 | 0.81 | 0.83 | 0.82 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.30% | 0.00% | 0.00% | 0.00% | 0.00% |
Debt/Equity |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.03 | 0.00 | 0.00 | 0.00 | 0.00 |
Asset Turnover |
0.05 | 0.05 | 0.04 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
Operating CF/Net income |
0.33 | 0.98 | 1.27 | 1.37 | 1.78 | 1.04 | 1.13 | 1.25 | 1.84 | 1.21 |
Capex/Depreciation |
(1.35) | (0.11) | (0.32) | (0.07) | (0.16) | (0.29) | (0.16) | (0.31) | 0.39 | (0.24) |
| 10.88% | 11.94% | 15.16% | 11.51% | 9.41% | 8.58% | 12.00% | 11.81% | 9.10% | 9.04% | |
| 1.11% | 1.06% | 1.15% | 0.84% | 0.80% | 0.83% | 1.16% | 1.02% | 0.73% | 0.73% | |
ROIC |
30.43% | 42.64% | 0.00% | 0.00% | 0.00% | 0.00% | 189.59% | 0.00% | 0.00% | 0.00% |
Return on Tangible Assets |
(5.01%) | (4.25%) | (5.04%) | (3.16%) | (2.90%) | (4.35%) | (6.80%) | (6.00%) | (4.70%) | (4.26%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
51.39% | 49.27% | 53.57% | 63.62% | 63.05% | 67.98% | 60.40% | 64.86% | 62.31% | 67.41% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.96% | 1.00% | 1.00% | 1.04% | 1.07% | 1.01% | 0.85% | 0.80% | 0.79% | 0.66% |
Graham Net Nets |
(2.08) | (3.18) | (3.41) | (4.59) | (3.61) | (2.14) | (1.45) | (1.45) | (1.12) | (1.60) |
Graham Number |
19.26 | 16.76 | 16.49 | 12.59 | 12.67 | 11.77 | 12.10 | 10.31 | 8.19 | 7.53 |
Earnings Yield |
9.96% | 13.01% | 16.53% | 14.08% | 10.05% | 8.87% | 9.31% | 8.22% | 5.05% | 6.41% |
Free Cash Flow Yield |
2.51% | 12.60% | 20.30% | 19.35% | 17.86% | 8.64% | 10.49% | 9.87% | 10.36% | 7.16% |
Revenue per Share |
5.43 | 5.08 | 4.90 | 3.78 | 3.23 | 3.30 | 3.28 | 3.09 | 2.83 | 2.55 |
Operating CF per Share |
0.42 | 1.17 | 1.63 | 1.31 | 1.48 | 0.73 | 0.97 | 0.92 | 0.95 | 0.57 |
Capex per Share |
(0.10) | (0.02) | (0.07) | (0.02) | (0.05) | (0.05) | (0.02) | (0.06) | 0.10 | (0.05) |
Free Cash Flow per Share |
0.32 | 1.15 | 1.56 | 1.29 | 1.43 | 0.68 | 0.94 | 0.86 | 1.04 | 0.52 |
Cash per Share |
9.56 | 8.13 | 10.10 | 12.52 | 21.05 | 16.94 | 7.37 | 7.24 | 9.10 | 10.36 |
Shareholders Equity per Share |
13.01 | 10.58 | 9.52 | 7.52 | 8.85 | 8.78 | 7.76 | 6.58 | 5.88 | 5.44 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
13.01 | 10.58 | 9.52 | 7.52 | 8.85 | 8.78 | 7.76 | 6.58 | 5.88 | 5.44 |
Free Cash Flow |
5.20 | 19.19 | 26.08 | 21.44 | 24.47 | 11.73 | 16.18 | 14.72 | 17.74 | 8.78 |
Working Capital |
(430.38) | (480.61) | (437.73) | (508.61) | (494.95) | (285.94) | (223.15) | (215.93) | (192.51) | (196.49) |
Capital Expenditures |
(1.70) | (0.34) | (1.22) | (0.34) | (0.80) | (0.86) | (0.39) | (0.96) | 1.64 | (0.93) |
Net Current Asset Value |
(430.38) | (480.61) | (437.73) | (508.61) | (494.95) | (290.94) | (223.15) | (215.93) | (192.51) | (196.49) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.02 | 0.00 | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.02 | (0.03) | 0.02 |
Price to Operating Income |
7.80 | 5.42 | 4.33 | 5.11 | 7.05 | 8.14 | 7.57 | 8.62 | 10.03 | 9.48 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.14 | 0.33 | 0.38 | 0.83 | 0.79 | 0.45 | 0.36 | 0.47 | 0.67 | 0.52 |
Cash ROIC |
1.41% | 6.15% | 7.95% | 6.43% | 4.80% | 2.63% | 6.24% | 6.23% | 6.96% | 3.27% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
41,313.60 | 43,418.17 | 81,453.33 | 531,457.85 | 691,699.81 | 363,564.10 | 223,561.42 | 323,725.06 | 373,707.23 | 335,565.29 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
1,689.62 | 1,696.27 | 1,709.66 | 1,727.59 | 1,603.23 | 1,308.40 | 1,131.62 | 1,114.68 | 1,084.22 | 1,005.91 |
Average Assets |
1,901.34 | 1,881.78 | 1,871.60 | 1,885.22 | 1,777.23 | 1,473.98 | 1,271.22 | 1,233.75 | 1,192.21 | 1,105.69 |
Average Common Equity |
194.18 | 167.79 | 142.14 | 137.98 | 150.78 | 141.79 | 122.69 | 106.25 | 96.17 | 89.07 |
Columns are period end dates