First Northern Community Bancorp

OTCPK:FNRN Stock Report

Market Cap: US$150.9m

First Northern Community Bancorp Past Earnings Performance

Past criteria checks 4/6

First Northern Community Bancorp has been growing earnings at an average annual rate of 11.2%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 7.6% per year. First Northern Community Bancorp's return on equity is 11.6%, and it has net margins of 29%.

Key information

11.2%

Earnings growth rate

11.9%

EPS growth rate

Banks Industry Growth11.2%
Revenue growth rate7.6%
Return on equity11.6%
Net Margin29.0%
Last Earnings Update30 Sep 2024

Recent past performance updates

No updates

Recent updates

Revenue & Expenses Breakdown

How First Northern Community Bancorp makes and spends money. Based on latest reported earnings, on an LTM basis.


Earnings and Revenue History

OTCPK:FNRN Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 247321350
30 Jun 247120350
31 Mar 247220350
31 Dec 237222350
30 Sep 236919350
30 Jun 236719350
31 Mar 236518340
31 Dec 226116320
30 Sep 225714310
30 Jun 225614310
31 Mar 225614310
31 Dec 215614310
30 Sep 215614310
30 Jun 215413310
31 Mar 215313300
31 Dec 205212300
30 Sep 205212300
30 Jun 205213300
31 Mar 205313300
31 Dec 195415290
30 Sep 195414280
30 Jun 195314270
31 Mar 195114270
31 Dec 184913270
30 Sep 184810260
30 Jun 18479250
31 Mar 18479250
31 Dec 17459240
30 Sep 174410240
30 Jun 17429230
31 Mar 17419230
31 Dec 16408220
30 Sep 16398220
30 Jun 16397220
31 Mar 16387220
31 Dec 15377220
30 Sep 15377220
30 Jun 15366220
31 Mar 15366210
31 Dec 14346200
30 Sep 14355210
30 Jun 14345220
31 Mar 14355220

Quality Earnings: FNRN has high quality earnings.

Growing Profit Margin: FNRN's current net profit margins (29%) are higher than last year (28.3%).


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: FNRN's earnings have grown by 11.2% per year over the past 5 years.

Accelerating Growth: FNRN's earnings growth over the past year (8.6%) is below its 5-year average (11.2% per year).

Earnings vs Industry: FNRN earnings growth over the past year (8.6%) exceeded the Banks industry -11.7%.


Return on Equity

High ROE: FNRN's Return on Equity (11.6%) is considered low.


Return on Assets


Return on Capital Employed


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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/07 14:44
End of Day Share Price 2025/01/07 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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.

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