First Northern Community Bancor (FNRN) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

First Northern Community Bancor

NasdaqCM•Financial Services•Banks - Regional

$17.35+0.01(<0.01%)Market closed

Market Cap

$276.62M

P/E

12.2x

P/S

3.7x

P/B

1.3x

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 offers deposit products, including demand, interest-bearing transaction, savings and money market, and non-brokered time deposits. It also provides commercial, commercial real estate, agriculture, residential mortgage, residential construction, and consumer loans. In addition, the company provides debit and credit cards; investment and brokerage services; alternative investment products, and fiduciary and other financial services; equipment leasing, merchant card processing, payroll, and international banking services through third parties; and other customary banking services. Further, it rents safe deposit boxes. The company operates branches located in the cities of Auburn, Colusa, Davis, Dixon, Fairfield, Orland, Rancho Cordova, Roseville, Sacramento, Vacaville, West Sacramento, Winters, Willows, and Woodland; satellite banking office inside a retirement community in the city of Davis; and residential mortgage loan office in Davis. First Northern Community Bancorp was founded in 1910 and is headquartered in Dixon, California.

How this company scores

AverageMetricSide Score: 57/100

Strongest: Profitability (20/25); weakest: Balance Sheet & Red Flags (10/25).

Profitability20/25

Growth14/25

Balance Sheet & Red Flags10/25

Cash & Earnings Quality13/25

Strengths

Strong marginsProfit converts from growthConsistent growthNet cash position

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 12.2x5y range 4.5x – 12.2x

Currently above its 20-quarter median.

P/S · 3.7x5y range 1.2x – 3.7x

Currently above its 20-quarter median.

P/B · 1.3x5y range 0.6x – 1.3x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Watch

Operating margins declined 5.7% — watch for continued compression, which may signal competitive or cost pressure.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 4 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $276.62M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $75.40M
Q. Revenue: $18.77M
TTM EBITDA: $28.95M
TTM Op. Income: $27.83M
Q. Op. Income: $6.21M
TTM Net Income: $22.63M
Q. Net Income: $4.73M
EPS: $0.29
Shares Out.: $16.12M

$75.40M in TTM revenue grew 4.8% YoY, reaching $18.77M last quarter. TTM EBITDA of $28.95M and TTM operating income of $27.83M show growth is flowing through to the bottom line. TTM net income of $22.63M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 6 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 79.8%
EBITDA Margin: 34.4%
Op. Margin: 33.1%
Net Margin: 25.2%

Op. margin of 33.1% is down 8.0% YoY — costs are rising relative to revenue. Net margin at 25.2% and gross margin of 79.8% show how much of each revenue dollar survives to profit. Over the past year, operating margin is down 19% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 12.2x
P/S Ratio: 3.7x
P/B Ratio: 1.3x

At 12.2x P/E, the stock trades below typical market levels. P/S of 3.7x and P/B of 1.3x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 4 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.93B
Cash: $113.44M
Long-Term Debt: N/A
Book Value: $217.15M
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $3.47M
TTM Free Cash Flow: $6.33M
FCF Margin: 8.4%
FCF / Net Income: 0.3

TTM FCF of $6.33M on $3.47M in operating cash flow. The FCF / Net Income ratio of 0.3x means cash covers only part of net income — earnings quality needs attention. Across the last 8 quarters, free cash flow has risen for 3 consecutive quarters — an improving trend.