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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%
Market cap
$273.3M
P/E
12.2×
Fwd P/E
—
Dividend yield
—
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.10
Total sells 0.56
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — 4 — — — — — 2 — —
Sell — — — — — — 4 — — 4 — —
Insider Ownership 7.82%

Capital & Financial Ratios $m

Market Cap 273.31
Revenue 90.61
Net Income 22.63
Free Cash Flow 6.33
Net Debt (124.30)
Current Ratio 0.75
Debt/Equity 0.00
P/E ratio 12.22
Fwd P/E —
P/S ratio 2.99
P/B ratio 1.25
Past 5Y EPS Growth 12.49%
This Y EPS Growth —
Next Y EPS Growth —
Next Y revenue growth —
Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 65.46%
10-year low 10-year high
P/S against its own 10 years 77.77%
10-year low 10-year high
P/B against its own 10 years 72.28%
10-year low 10-year high

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —

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%

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.

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 1.12
’23 0.33 0.27 0.28 0.39 1.22
’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.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 5.76 7.23 8.09 8.31 5.92 7.45 5.96 5.71 7.07 8.73

Analyst estimates 2026–2028

Powerpack
High 7.31 10.02 10.81 9.36 9.36 9.21 8.95 8.41 9.52 12.85
People
People Employees 185 191 201 214 214 190 192 203 187 204
Revenue/emp, $m 0.23 0.25 0.26 0.26 0.26 0.29 0.33 0.40 0.45 0.43
Income, $m
Income, $m Revenue 43 48 53 56 57 55 63 82 85 88
Gross margin, % 97.32 97.76 97.60 96.69 97.38 98.34 98.11 90.75 83.12 83.22
EBT 13 17 17 20 17 19 22 30 28 27
EBT margin, % 29.91 35.45 32.74 36.29 29.40 35.29 34.49 36.17 32.88 31.00
Net income 8 9 13 15 12 14 16 22 20 21
Depreciation 4 4 3 2 3 5 5 4 3 1
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
Earnings 0.46 0.49 0.69 0.81 0.67 0.78 0.90 1.22 1.12 1.21
Cash flow 0.57 0.95 0.92 0.97 0.73 1.48 1.31 1.63 1.17 0.42
Capex (0.05) 0.10 (0.06) (0.02) (0.05) (0.05) (0.02) (0.07) (0.02) (0.10)
Free cash flow 0.52 1.04 0.86 0.94 0.68 1.43 1.29 1.56 1.15 0.32
Book value 5.44 5.88 6.58 7.76 8.78 8.85 7.52 9.52 10.58 13.01
Shares, m 17 17 17 17 17 17 17 17 17 16
Valuation, ×
Valuation, × P/E 15.61 19.81 12.17 10.74 11.28 9.95 7.10 6.05 7.68 10.04
P/S 2.84 3.56 2.82 2.75 2.39 2.49 1.76 1.57 1.78 2.34
P/B 1.33 1.71 1.33 1.16 0.90 0.91 0.89 0.81 0.86 0.98
EV/Sales (1.23) 0.34 0.48 0.50 (2.64) (3.95) (1.47) (0.43) 0.24 0.64
EV/FCF (6.06) 0.92 1.73 1.74 (12.78) (8.88) (4.32) (1.36) 1.08 10.87
Cash, $m
Cash, $m Operating cash flow 10 16 16 17 13 25 22 27 20 7
Capex (1) 2 (1) 0 (1) (1) 0 (1) 0 (2)
Free cash flow 9 18 15 16 12 24 21 26 19 5
Balance, $m
Balance, $m Working capital (196) (193) (216) (223) (286) (495) (509) (438) (481) (430)
Total debt — — — — 5 — — — — —
Net debt (176) (155) (124) (126) (286) (359) (208) (169) (136) (156)
Shareholders’ equity 92 100 112 133 151 151 125 159 176 212
Returns, %
Returns, % ROA 0.73 0.73 1.02 1.16 0.83 0.80 0.84 1.15 1.06 1.11
ROIC 0.00 0.00 0.00 189.59 0.00 0.00 0.00 0.00 42.64 30.43
ROE 9.04 9.10 11.81 12.00 8.58 9.41 11.51 15.16 11.94 10.88
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

First Northern Community Bancorp vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
OVLY Oak Valley Bancorp (CA) $282.3M 12.0× — +4.45% (above 0%: growing) −8.82% (below 0%: shrinking) −20.28% (below 0%: shrinking) 85.32% 0.00% Compare
ISBA Isabella Bank Corporation $280.1M 13.5× 11.9× +13.60% (above 0%: growing) +1.47% (above 0%: growing) +1.06% (above 0%: growing) 73.42% 0.00% Compare
VABK Virginia National Bankshares Corporation $279.1M 11.1× 17.8× +24.86% (above 0%: growing) +110.13% (above 0%: growing) −47.94% (below 0%: shrinking) 77.48% 0.00% Compare
NKSH National Bankshares, Inc. $276.0M 13.6× 10.7× +6.17% (above 0%: growing) +119.44% (above 0%: growing) +118.57% (above 0%: growing) 71.02% 0.00% Compare
FNRN First Northern Community Bancorp $273.3M 12.2× — +2.07% (above 0%: growing) −12.99% (below 0%: shrinking) +31.66% (above 0%: growing) 83.16% 0.00%
WNEB Western New England Bancorp $271.6M 16.1× 13.4× +3.49% (above 0%: growing) −21.74% (below 0%: shrinking) −9.46% (below 0%: shrinking) 66.47% 0.00% Compare
LCNB LCNB Corporation $267.9M 10.9× 10.0× +1.60% (above 0%: growing) +29.27% (above 0%: growing) +43.09% (above 0%: growing) 79.36% 0.00% Compare
FXNC First National Corp. $266.0M 12.3× 12.3× +2.05% (above 0%: growing) +14.29% (above 0%: growing) +60.14% (above 0%: growing) 80.94% 0.00% Compare
FBLA FB Bancorp, Inc. $264.7M — (loss-making) — +8.80% (above 0%: growing) n/m +669.02% (above 0%: growing) 74.66% 0.00% Compare
Median of peers $273.8M 12.3× 12.1× +5.31% +14.29% +22.08% 76.07% 0.00%

All 323 Banks Regional stocks →

First Northern Community Bancorp (FNRN) key facts

  • Strength: First Northern Community Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $88.4 million, up 4.41% from fiscal 2024.
  • First Northern Community Bancorp (FNRN) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, FNRN traded at $16.80, a market capitalization of $273.3 million.
  • Return on equity was 10.9% and debt-to-equity 0.00.
  • Its Piotroski F-score is 8 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

First Northern Community Bancorp (FNRN) Latest News

29 Jul

Impact 3 ·

29 Apr

Impact 3 ·

25 Apr

Impact 3 ·

23 Apr

Impact 4 ·

22 Apr

Impact 4 ·
stockrow.com/FNRN · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com