FNRN Stock Overview

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. More details

FNRN fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	4/6
Financial Health	6/6
Dividends	0/6

Rewards

Trading at 65.6% below our estimate of its fair value

Earnings grew by 8.6% over the past year

Risk Analysis

No risks detected for FNRN from our risk checks.

My Notes

Capture your thoughts, links and company narrative

First Northern Community Bancorp Competitors

Muncy Columbia Financial

OTCPK:CCFN

US$144.2m

CB Financial Services

NasdaqGM:CBFV

US$152.1m

ECB Bancorp

NasdaqCM:ECBK

US$136.4m

MainStreet Bancshares

NasdaqCM:MNSB

US$134.8m

Price History & Performance

Summary of share price highs, lows and changes for First Northern Community Bancorp
Historical stock prices
Current Share Price	US$9.97
52 Week High	US$10.50
52 Week Low	US$7.79
Beta	0.33
1 Month Change	-0.30%
3 Month Change	-5.05%
1 Year Change	16.45%
3 Year Change	12.71%
5 Year Change	12.61%
Change since IPO	468.75%

Recent updates

Shareholder Returns

	FNRN	US Banks	US Market
7D	-0.8%	-3.4%	-2.4%
1Y	16.4%	29.1%	23.3%

Return vs Industry: FNRN underperformed the US Banks industry which returned 27.2% over the past year.

Return vs Market: FNRN underperformed the US Market which returned 22.1% over the past year.

Price Volatility

Is FNRN's price volatile compared to industry and market?
FNRN volatility
FNRN Average Weekly Movement	1.8%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	3.1%

Stable Share Price: FNRN has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: FNRN's weekly volatility (2%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1910	203	Jeremiah Smith	www.thatsmybank.com

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 accepts demand deposits, interest-bearing transaction deposits, savings and money market deposit accounts, and time deposits. It also offers commercial, commercial real estate, agriculture, residential mortgage, residential construction, and consumer loans.

First Northern Community Bancorp Fundamentals Summary

How do First Northern Community Bancorp's earnings and revenue compare to its market cap?
FNRN fundamental statistics
Market cap	US$151.99m
Earnings (TTM)	US$21.07m
Revenue (TTM)	US$72.76m

7.2x

P/E Ratio

0.8x

P/B Ratio

Is FNRN overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FNRN income statement (TTM)
Revenue	US$72.76m
Cost of Revenue	US$0
Gross Profit	US$72.76m
Other Expenses	US$51.69m
Earnings	US$21.07m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.38
Gross Margin	100.00%
Net Profit Margin	28.96%
Debt/Equity Ratio	0%

How did FNRN perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/21 12:13
End of Day Share Price	2024/12/19 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

First Northern Community Bancorp is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution