First Northern Community Bancorp (OTCPK:FNRN) - Stock Price, News & Analysis

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 65.5% 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.

First Northern Community Bancorp Competitors

CB Financial Services

NasdaqGM:CBFV

US$149.9m

ECB Bancorp

NasdaqCM:ECBK

US$139.7m

United Security Bancshares

NasdaqGS:UBFO

US$163.7m

Peoples Bancorp of North Carolina

NasdaqGM:PEBK

US$156.9m

Price History & Performance

Summary of all time highs, changes and price drops for First Northern Community Bancorp
Historical stock prices
Current Share Price	US$10.00
52 Week High	US$10.50
52 Week Low	US$7.62
Beta	0.33
11 Month Change	-1.96%
3 Month Change	0.60%
1 Year Change	26.66%
33 Year Change	11.85%
5 Year Change	11.95%
Change since IPO	470.45%

Recent updates

Shareholder Returns

	FNRN	US Banks	US Market
7D	0%	-0.9%	-1.0%
1Y	26.7%	53.3%	30.3%

Return vs Industry: FNRN underperformed the US Banks industry which returned 53.3% over the past year.

Return vs Market: FNRN underperformed the US Market which returned 30.3% over the past year.

Price Volatility

Is FNRN's price volatile compared to industry and market?
FNRN volatility
FNRN Average Weekly Movement	2.2%
Banks Industry Average Movement	5.1%
Market Average Movement	6.2%
10% most volatile stocks in US Market	15.7%
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$152.45m
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

First Northern Community Bancorp OTCPK:FNRN Stock Report