FNRN Stock Analysis: First Northern Community | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 292m USD | 12M Return: 86.8% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 4.45M
EPS Trend: 16.7%
Rev. Trend: 93.9%
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
First Northern Community Bancorp (FNRN) is the holding company for First Northern Bank of Dixon, a community bank founded in 1910 and headquartered in Dixon, California. It provides commercial banking products and services to individuals, small and medium-sized businesses, offering deposit products (demand, interest-bearing transaction, savings, money market, and non-brokered time deposits) and loan products (commercial, commercial real estate, agriculture, residential mortgage, residential construction, and consumer). The company also offers complementary services such as debit and credit cards, investment and brokerage, fiduciary services, equipment leasing, merchant card processing, payroll, and international banking through third parties, as well as safe deposit box rentals. Its branch network spans 14 Northern California cities, including Sacramento, Davis, Dixon, Fairfield, and Roseville, plus a satellite office inside a retirement community in Davis and a residential mortgage loan office in Davis. As a regional bank in the Financials sector, FNRN operates a relationship-based lending model concentrated in its local geographic footprint, with notable exposure to agricultural lending tied to the Sacramento Valley region of California.
- Net interest margin compresses as deposit costs outpace loan yields
- Commercial real estate concentration risk rises in Northern California
- Agricultural loan portfolio pressured by commodity price and water cost volatility
| Net Income: 23.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -0.77 > 1.0 |
| NWC/Revenue: 856.3% < 20% (prev -1.30k%; Δ 2.15k% < -1%) |
| CFO/TA 0.00 > 3% & CFO 7.77m > Net Income 23.4m |
| Net Debt (-757.3m) to EBITDA (32.8m): -23.11 < 3 |
| Current Ratio: 941.8 > 1.5 & < 3 |
| Outstanding Shares: last quarter (16.5m) vs 12m ago -0.84% < -2% |
| Gross Margin: 83.73% > 18% (prev 81.80%; Δ 1.92% > 0.5%) |
| Asset Turnover: 4.68% > 50% (prev 4.56%; Δ 0.12% > 0%) |
| Interest Coverage Ratio: 2.00 > 6 (EBIT TTM 30.1m / Interest Expense TTM 15.0m) |
| A: 0.40 (Total Current Assets 762.9m - Total Current Liabilities 810k) / Total Assets 1.92b |
| B: 0.05 (Retained Earnings 97.3m / Total Assets 1.92b) |
| C: 0.02 (EBIT TTM 30.1m / Avg Total Assets 1.90b) |
| D: 0.12 (Book Value of Equity 213.8m / Total Liabilities 1.71b) |
| Altman-Z'' = 3.00 = A |
| DSRI: 1.00 (Receivables 7.30m/7.00m, Revenue 89.0m/85.6m) |
| GMI: 0.98 (GM 81.80% / 83.73%) |
| AQI: 0.86 (AQ_t 0.60 / AQ_t-1 0.69) |
| SGI: 1.04 (Revenue 89.0m / 85.6m) |
| TATA: 0.01 (NI 23.4m - CFO 7.77m) / TA 1.92b) |
| Beneish M = -3.10 (Cap -4..+1) = AA |
As of July 08, 2026, the stock is trading at USD 17.70 with a total of 105,856 shares traded. Over the past week, the price has changed by +0.17%, over one month by +1.49%, over three months by +13.53% and over the past year by +86.78%.
Current recommended Stop Loss: 17.20 (which is 2.8% or 1 ATR below the current price).
First Northern Community has no consensus analysts rating.
P/E Trailing = 13.7984
P/E Forward = 12.3762
P/S = 3.8596
P/B = 1.369
P/EG = 0.1398
Revenue TTM = 89.0m USD
EBIT TTM = 30.1m USD
EBITDA TTM = 32.8m USD
Long Term Debt = 4.76m USD (estimated: total debt 5.57m - short term 810k)
Short Term Debt = 810k USD (from shortTermDebt, last quarter)
Debt = 5.57m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -757.3m USD (calculated: Debt 5.57m - CCE 762.9m)
Enterprise Value = 292.0m USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 2.00 (Ebit TTM 30.1m / Interest Expense TTM 15.0m)
EV/FCF = 51.65x (Enterprise Value 292.0m / FCF TTM 5.65m)
FCF Yield = 1.94% (FCF TTM 5.65m / Enterprise Value 292.0m)
FCF Margin = 6.35% (FCF TTM 5.65m / Revenue TTM 89.0m)
Net Margin = 26.25% (Net Income TTM 23.4m / Revenue TTM 89.0m)
Gross Margin = 83.73% ((Revenue TTM 89.0m - Cost of Revenue TTM 14.5m) / Revenue TTM)
Gross Margin QoQ = 81.84% (prev 86.57%)
Tobins Q-Ratio = 0.15 (Enterprise Value 292.0m / Total Assets 1.92b)
Interest Expense / Debt = 270.0% (Interest Expense 15.0m / Debt 5.57m)
Taxrate = 22.28% (6.70m / 30.1m)
NOPAT = 23.4m (EBIT 30.1m * (1 - 22.28%))
Current Ratio = 941.8 (out of range, set to none) (Total Current Assets 762.9m / Total Current Liabilities 810k)
Debt / Equity = 0.03 (Debt 5.57m / totalStockholderEquity, last quarter 213.8m)
Debt / EBITDA = -23.11 (Net Debt -757.3m / EBITDA 32.8m)
Debt / FCF = -133.9 (out of range, set to none) (Net Debt -757.3m / FCF TTM 5.65m)
Total Stockholder Equity = 206.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.23% (Net Income 23.4m / Total Assets 1.92b)
RoE = 11.32% (Net Income TTM 23.4m / Total Stockholder Equity 206.4m)
RoCE = 14.24% (EBIT 30.1m / Capital Employed (Equity 206.4m + L.T.Debt 4.76m))
RoIC = 1.22% (NOPAT 23.4m / Invested Capital 1.92b)
WACC = 5.82% (E(292.0m)/V(297.6m) * Re(5.93%) + (debt cost/tax rate unavailable))
Discount Rate = 5.93% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -15.91 | Cagr: 0.76%
[DCF] Terminal Value 73.10% ; FCFF base≈11.3m ; Y1≈9.94m ; Y5≈8.03m
[DCF] Fair Price = 54.02 (EV 129.0m - Net Debt -757.3m = Equity 886.3m / Shares 16.4m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 16.73 | EPS CAGR: 1.10% | SUE: N/A | # QB: 0
Revenue Correlation: 93.86 | Revenue CAGR: 6.01% | SUE: N/A | # QB: 0