First Northern Community Bancorp

First Northern Community Bancorp

FNRN
First Northern Community BancorpUS flagNASDAQ Capital Market
17.93
USD
-0.04
- -
294.18MMarket Cap
First Northern Community Bancorp
FNRN
(NASDAQ Capital Market)

Recent

price

17.93

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
2.14
2.15
2.15
2.2
2.13
2.24
2.48
2.77
3.02
3.17
3.37
3.17
3.34
3.96
4.2
4.4
4.56
Revenue per Share
0.1
0.08
0.21
0.28
0.34
0.4
0.47
0.51
0.73
0.86
0.74
0.83
0.86
1.17
1.2
1.26
1.42
Basic EPS, GAAP
0.68
0.45
0.83
0.95
0.59
0.78
0.52
0.87
0.86
0.91
0.72
1.43
1.16
1.41
1.15
0.31
0.34
Free Cash Flow per Basic Share
0.05
0.06
0.07
0.04
0.01
0.01
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
-0.02
3.82
4.03
4.3
4.64
5.05
5.52
6.08
6.82
7.7
8.84
9.03
9.24
10.41
12.5
13.55
14.07
Book Value per Share
3.79
3.88
4.15
4.29
4.7
4.97
5.33
5.78
6.49
7.68
9.13
8.76
6.68
8.33
10.26
12.35
12.75
Tangible Book Value per Share
17
17
17
17
17
17
17
17
17
17
16
17
18
18
17
17
16
Basic Weighted Avg Shares
35
36
36
37
36
38
42
47
52
54
55
54
62
73
70
74
75
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
1
1
1
1
1
1
2
2
2
2
3
3
3
3
Depreciation Expense
3
3
5
5
6
7
8
9
13
15
12
14
16
22
20
21
23
Net Income, GAAP
0.26
29.82
27.05
34.64
32.22
35.08
37.76
48.74
27.43
27.81
27.01
26.97
26.69
27.3
28.04
22.9
22.28
Effective Tax Rate (%)
7.51
7.46
12.94
14.59
16.41
18.27
19.13
18.59
24.34
27.1
22.04
26.21
25.77
29.53
28.47
28.72
31.13
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
11
7
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
80
88
92
85
92
86
92
100
112
133
151
151
125
159
176
212
214
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
5.36
6.75
7.64
8.34
8.99
8.88
11.41
11.86
8.8
9.5
9.78
11.89
9.99
9.7
10.54
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
17
17
16
Market Capitalization
201
223
261

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
570
575
579
Accounts Receivable, Net
- -
7
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.12%
8.27%
20.24%
Free Cash Flow
3.49%
3.72%
-72.92%
Net Income, GAAP
13.11%
12.55%
5.46%
Sales/Revenue/Turnover
7.08%
6.27%
4.53%
Total Cash Common Dividend
- -
- -
14.29%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
16
17
18
19
70
2025
17
18
18
20
74
2026
19
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.25
0.26
0.31
- -
1.2
2025
0.21
0.33
0.37
0.35
1.26
2026
0.37
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Business
First Northern Community Bancorp operates as the bank holding company for First Northern Bank of Dixon, specializing in commercial banking products and services for individuals and small to medium-sized businesses primarily in Northern California. Its core products include demand deposits, interest-bearing transaction deposits, savings and money market deposit accounts, time deposits, commercial loans, commercial real estate loans, agriculture loans, residential mortgage loans, residential construction loans, and consumer loans. The company also provides debit and credit cards; investment and brokerage services; alternative investment products; fiduciary and other financial services; equipment leasing; merchant card processing; payroll and international banking services through third-party providers. Additional services include cashier's checks, safe deposit boxes, account research, automatic transfers, bank by mail, notary services, wire transfers, and telephone banking. It operates branches and satellite offices across cities including Auburn, Colusa, Davis, Dixon, Fairfield, Orland, Rancho Cordova, Roseville, Sacramento, Vacaville, West Sacramento, Winters, Willows, and Woodland. Founded in 1910 and headquartered in Dixon, California, First Northern Community Bancorp maintains a focus on relationship banking and community-oriented service across its geographic footprint. Recent significant changes include the acquisition of three Columbia State Bank branches in Orland, Willows, and Colusa, completed in early 2023 to expand its market presence in Northern California. The company reported robust financial performance in 2025 with strong loan growth, particularly in commercial loans, and maintained well-capitalized status surpassing regulatory capital requirements. It implemented a tax planning strategy acquiring investment tax credits linked to alternative energy projects, which favorably impacted its effective tax rate and income tax expenses. Leadership transitions with Sean Quinn and Rick Martinez elected Chairman and Vice Chairman respectively further sharpen governance. The company continues strategic growth with a commitment to enhancing shareholder value and expanding its lending capacity and service capabilities in the communities it serves. First Northern Community Bancorp primarily serves retail, commercial, real estate, agricultural, and small business customers, leveraging deep community roots and a broad range of financial products and services tailored to customer needs across its Northern California operations. It is recognized as an SBA Preferred Lender supporting small business financing and maintains focus on sustainable business growth through prudent credit management and operational excellence.

Company News

APIChatGPT
  • Jeremiah Smith Appointed to Sierra College Foundation Board of Directors

  • First Northern Community Bancorp Reports First Quarter 2026 Net Income of $5.9 Million

  • First Northern Community Bancorp Announces Approval for Listing on The Nasdaq Capital Market

  • Comparing First National of Nebraska (OTCMKTS:FINN) & First Northern Community Bancorp (OTCMKTS:FNRN)

  • Share Buyback Plan Announced by First Northern Community Bancorp (OTCMKTS:FNRN) Board of Directors

  • First Northern Community Bancorp Announces Stock Repurchase Program

  • First Northern Community Bancorp Announces Nasdaq Capital Market Listing Application Submission

  • Head to Head Survey: Sierra Bancorp (NASDAQ:BSRR) vs. First Northern Community Bancorp (OTCMKTS:FNRN)

  • First Northern Bank Acquires Beacon Wealth Strategies

  • First Northern Community Bancorp Reports Fourth Quarter 2025 Net Income of $6.0 Million

  • First Northern Community Bancorp Appoints Jean-Luc Servat to Board of Directors

  • First Northern Community Bancorp (OTCMKTS:FNRN) and First Northwest Bancorp (NASDAQ:FNWB) Head-To-Head Comparison

  • First Northern Community Bancorp (OTCMKTS:FNRN) and Malaga Financial (OTCMKTS:MLGF) Head to Head Survey

  • First Northern Community Bancorp (OTCMKTS:FNRN) versus Oak Valley Bancorp (NASDAQ:OVLY) Critical Comparison

  • First Northern Community Bancorp Reports Third Quarter 2025 Net Income of $6.0 Million

  • First Northern (FNRN) Q2 Net Jumps 24%

  • First Northern Community Bancorp Reports Second Quarter 2025 Net Income of $5.5 Million

  • First Northern Community Bancorp Welcomes Richard A. Bedoya to Its Board of Directors

  • First Northern Community Bancorp Reports First Quarter 2025 Net Income of $3.7 Million

  • First Northern Community Bancorp Reports Year End 2024 Net Income of $20.0 Million