First Northern Community Bancorp (FNRN) AI Stock Analysis
FNRN AI stock analysis summary
AI ResearchFirst Northern Community Bancorp (FNRN) is the bank holding company for First Northern Bank of Dixon, serving individuals and small-to-medium businesses. Over the trailing twelve months, the bank generated $75.3M in revenue with a 30.0% profit margin and EPS of $1.30. Its balance sheet shows $732.4M in cash and short-term investments alongside minimal total debt of $550,000.
- Market cap
- $274.6M
- Revenue (TTM)
- $75.3M
- P/E
- 12.9x fwd 12.4x
- 1Y return
- 35.5% S&P 500 16.8%
- Avg. target
- —
Bull case
- The company maintains a strong liquidity profile with $731.8M in net cash and total debt of just $550,000 as of June 30, 2026.
- Long-term total return has outperformed the market, delivering a 5-year return of 100.7% compared to 83.0% for the S&P 500.
- The bank has maintained healthy profitability over the trailing twelve months, generating a 30.0% profit margin and return on equity of 11.0%.
Bear case
- In the latest quarter ended June 30, 2026, quarterly revenue fell 1.7% and quarterly earnings fell 12.1% year-over-year.
- Free cash flow declined significantly in FY2025 to $5.2M, down from $19.2M in FY2024 and $26.0M in FY2023.
- The stock trades at a trailing P/E of 12.9x and forward P/E of 12.4x, both above the US-listed Financial Services medians of 12.1x and 10.8x.
What First Northern Community Bancorp does
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 bank provides debit and credit cards, investment and brokerage services, alternative investment products, fiduciary services, equipment leasing, merchant card processing, payroll, and safe deposit boxes across branches in California.
Growth and profitability
Revenue rose from $55.0M in FY2021 to $62.8M in FY2022, $80.6M in FY2023, $84.7M in FY2024, and reached $88.4M in FY2025, reflecting a 5-year revenue CAGR of 9.3% from FY2020. Annual net income grew from $14.2M in FY2021 to $21.1M in FY2025, while EPS increased from $0.99 to $1.30. Operating margin was 35.3% in FY2021 and 31.0% in FY2025. Over the trailing twelve months, revenue was $75.3M with an operating margin of 35.6% and net margin of 30.0%. In the latest quarter ended June 30, 2026, quarterly revenue fell 1.7% year-over-year and quarterly earnings declined 12.1%.
Balance sheet and cash flow
As of June 30, 2026, the company held $732.4M in cash and short-term investments against total debt of $550,000, leaving net cash of $731.8M. Total assets stood at $1.93B, shareholders' equity was $217.2M, the current ratio was 1331.57, and debt-to-equity was 0.00. In FY2025, operating cash flow was $6.9M and free cash flow was $5.2M. Capital allocation in FY2025 included $1.7M in capital expenditures, $4.7M in share buybacks, and $8,000 in dividends paid.
Valuation and performance
At a last close of $16.75, First Northern Community Bancorp trades at a trailing P/E of 12.9x and a forward P/E of 12.4x, compared to medians of 12.1x and 10.8x for US-listed Financial Services peers. The stock has a price-to-sales ratio of 3.6x, above the peer median of 3.2x, and a price-to-book ratio of 1.3x. Over the past year, the shares gained 35.5%, outperforming the S&P 500 return of 16.8%. Over five years, the stock returned 100.7% versus 83.0% for the S&P 500.
What analysts expect
No consensus analyst price targets or forward earnings estimates are available for the company. The next earnings date is scheduled for November 4, 2026. Institutional ownership is 35.1%, while insiders hold 9.3% of shares, and short interest accounts for 3.3% of the float. As of October 16, 2026, the stock closed at $16.75, which is 4.0% above its 200-day average and within its 52-week range of $12.01 to $19.25.
Key risks and what to watch
- Recent contraction in performance, including a 12.1% year-over-year quarterly earnings drop, poses risk if regional loan or deposit demand softens.
- Operating margin decreased from 36.8% in FY2023 to 31.0% in FY2025, showing margin compression over recent annual cycles.
- Operating cash flow dropped to $6.9M in FY2025 from $19.5M in FY2024, which could limit future cash generation.
AI-generated research summary. Written with AI from Quotelinks data as of October 16, 2026 and checked so every figure matches that data. For information only, not investment advice. Disclaimer
About this FNRN AI stock analysis
This page is an AI-written research summary of First Northern Community Bancorp (FNRN). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.
Related: FNRN income statement, FNRN balance sheet, FNRN key metrics, FNRN chart. See the FNRN stock overview for the latest quote and news.
FNRN AI stock analysis FAQ
What does First Northern Community Bancorp do?
It is the holding company for First Northern Bank of Dixon, providing commercial and consumer banking, loans, deposits, and related financial services across northern California branches.
What is FNRN's valuation relative to its industry peers?
FNRN trades at a trailing P/E of 12.9x and a price-to-sales multiple of 3.6x, compared to the US-listed Financial Services peer medians of 12.1x and 3.2x, respectively.
How strong is First Northern Community Bancorp's balance sheet?
As of June 30, 2026, the company held $732.4M in cash and short-term investments against $550,000 in total debt, resulting in a net cash position of $731.8M and a debt-to-equity ratio of 0.00.
When is the company's next earnings report?
The next earnings date for First Northern Community Bancorp is scheduled for November 4, 2026.