First Northern Community Bancorp (FNRN) Key Metrics
FNRN valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $274.6M
- Enterprise value
- $156.0M
- P/E (TTM)
- 12.9 10-yr median 9.2
- Forward P/E
- 12.4
- PEG ratio
- 0.14
- Price / sales
- 3.6 10-yr median 2.2
- Price / book
- 1.3 10-yr median 0.9
- EV / EBITDA
- —
- Dividend yield
- —
- Beta
- −0.00
FNRN key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsFNRN valuation Price multiples at each fiscal year-end price.
FNRN returns How much profit the business earns on the capital it uses.
FNRN per-share figures Results divided by the shares outstanding at year-end.
FNRN financial health Debt, liquidity and how easily interest is covered.
FNRN efficiency & capital use Working capital cycle and where the cash goes.
FNRN valuation history
FNRN returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
FNRN debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
FNRN cash returned to shareholders
FNRN price vs earnings per share
FNRN key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $205.8M | $153.3M | $130.1M | $112.6M | $126.0M | $124.4M | $128.5M | $118.4M | $135.3M | $93.1M |
| Enterprise value | $66.0M | −$609.9M | −$603.0M | −$708.4M | −$859.7M | −$589.7M | −$340.6M | −$319.8M | −$300.3M | −$359.9M |
| P/E ratio | 9.7 | 7.7 | 6.0 | 7.1 | 8.9 | 10.2 | 8.7 | 9.4 | 15.5 | 11.6 |
| Price / sales | 2.3 | 1.8 | 1.6 | 1.8 | 2.3 | 2.2 | 2.3 | 2.2 | 2.8 | 2.2 |
| Price / book | 1.0 | 0.9 | 0.8 | 0.9 | 0.8 | 0.8 | 1.0 | 1.1 | 1.4 | 1.0 |
| Price / free cash flow | 39.6 | 8.0 | 5.0 | 5.3 | 5.1 | 10.6 | 8.3 | 8.0 | 9.1 | 10.6 |
| Price / operating cash flow | 29.8 | 7.8 | 4.8 | 5.2 | 5.0 | 9.9 | 7.8 | 7.6 | 8.4 | 9.6 |
| EV / sales | 0.7 | -7.2 | -7.5 | -11.3 | -15.6 | -10.4 | -6.1 | -6.1 | -6.2 | -8.3 |
| EV / EBITDA | 2.2 | — | — | — | — | — | — | — | — | — |
| EV / free cash flow | 12.7 | — | — | — | — | — | — | — | — | — |
| Earnings yield | 10.3% | 13.1% | 16.6% | 14.1% | 11.3% | 9.8% | 11.5% | 10.6% | 6.5% | 8.7% |
| Free cash flow yield | 2.5% | 12.5% | 20.0% | 19.0% | 19.4% | 9.4% | 12.1% | 12.4% | 11.0% | 9.4% |
| Dividend yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Shareholder yield (dividends + buybacks) | 2.3% | 2.5% | 0.1% | 0.2% | 4.3% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Share price at fiscal year-end | $12.72 | $9.06 | $7.71 | $6.66 | $8.03 | $7.54 | $8.17 | $7.54 | $8.66 | $6.01 |
| Per share | ||||||||||
| Revenue per share | $5.47 | $5.01 | $4.77 | $3.72 | $3.51 | $3.43 | $3.57 | $3.36 | $3.08 | $2.79 |
| Earnings per share | $1.31 | $1.18 | $1.28 | $0.94 | $0.90 | $0.74 | $0.94 | $0.80 | $0.56 | $0.52 |
| Operating cash flow per share | $0.43 | $1.16 | $1.61 | $1.29 | $1.61 | $0.76 | $1.05 | $1.00 | $1.03 | $0.63 |
| Free cash flow per share | $0.32 | $1.13 | $1.54 | $1.27 | $1.56 | $0.71 | $0.99 | $0.94 | $0.95 | $0.57 |
| Cash per share | $9.00 | $45.49 | $43.90 | $48.90 | $63.19 | $43.56 | $29.84 | $27.90 | $27.87 | $29.24 |
| Book value per share | $13.11 | $10.42 | $9.43 | $7.40 | $9.62 | $9.13 | $8.46 | $7.16 | $6.40 | $5.96 |
| Tangible book value per share | $12.84 | $10.15 | $9.10 | $7.30 | $9.52 | $9.05 | $8.36 | $7.06 | $6.29 | $5.84 |
| Dividends per share | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Capex per share | $0.11 | $0.02 | $0.07 | $0.02 | $0.05 | $0.05 | $0.07 | $0.06 | $0.08 | $0.06 |
| Debt per share | $0.36 | $0.37 | $0.48 | $0.32 | $0.36 | $0.30 | — | — | — | — |
| Shares outstanding | 16.2M | 16.9M | 16.9M | 16.9M | 15.7M | 16.5M | 15.7M | 15.7M | 15.6M | 15.5M |
| Change in shares outstanding | −4.4% | +0.2% | −0.1% | +7.7% | −5.0% | +5.0% | +0.1% | +0.5% | +0.9% | +0.4% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 10.9% | 11.9% | 15.2% | 11.5% | 9.4% | 8.6% | 12.0% | 11.8% | 9.1% | 9.0% |
| Return on assets (ROA) | 1.1% | 1.1% | 1.2% | 0.8% | 0.8% | 0.8% | 1.2% | 1.0% | 0.7% | 0.7% |
| Return on tangible assets | 1.1% | 1.1% | 1.2% | 0.8% | 0.7% | 0.7% | 1.1% | 1.0% | 0.7% | 0.7% |
| Free cash flow margin | 5.9% | 22.7% | 32.2% | 34.1% | 44.5% | 20.7% | 27.6% | 27.9% | 30.9% | 20.3% |
| Income quality (OCF / net income) | 0.33 | 0.98 | 1.26 | 1.37 | 1.78 | 1.04 | 1.13 | 1.25 | 1.84 | 1.21 |
| Financial health | ||||||||||
| Total debt | $5.8M | $6.2M | $8.1M | $5.4M | $5.7M | $5.0M | — | — | — | — |
| Cash & short-term investments | $145.6M | $769.4M | $741.3M | $826.5M | $991.4M | $719.2M | $469.1M | $438.3M | $435.6M | $452.9M |
| Net debt | −$139.8M | −$763.1M | −$733.1M | −$821.0M | −$985.8M | −$714.2M | −$469.1M | −$438.3M | −$435.6M | −$452.9M |
| Debt / equity | 0.03 | 0.04 | 0.05 | 0.04 | 0.04 | 0.03 | — | — | — | — |
| Debt / assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — | — | — |
| Net debt / EBITDA | −4.65 | −24.91 | −22.52 | −34.88 | −46.39 | −37.84 | −21.34 | −24.54 | −24.66 | −33.38 |
| Current ratio | 140.53 | 0.46 | 0.44 | 0.48 | 0.57 | 0.49 | 0.41 | 0.39 | 0.39 | 0.42 |
| Quick ratio | 140.53 | 0.46 | 0.44 | 0.48 | 0.57 | 0.49 | 0.41 | 0.39 | 0.39 | 0.42 |
| Interest coverage | 1.8 | 1.9 | 3.9 | 18.3 | 21.3 | 11.2 | 11.0 | 13.6 | 15.8 | 11.2 |
| Working capital | $151.8M | −$916.8M | −$958.6M | −$907.0M | −$746.5M | −$774.6M | −$681.9M | −$690.8M | −$687.2M | −$626.7M |
| Invested capital | $72.3M | −$586.8M | −$573.9M | −$696.0M | −$834.8M | −$563.5M | −$336.2M | −$325.8M | −$335.6M | −$360.6M |
| Tangible asset value | $207.7M | $171.7M | $153.6M | $123.4M | $149.4M | $149.4M | $131.4M | $110.9M | $98.3M | $90.5M |
| Net current asset value | −$1.55B | −$933.2M | −$958.6M | −$907.0M | −$746.5M | −$774.6M | −$681.9M | −$690.8M | −$674.3M | −$615.9M |
| Graham number | $19.63 | $16.67 | $16.46 | $12.51 | $13.99 | $12.30 | $13.35 | $11.35 | $8.98 | $8.35 |
| Graham net-net per share | −$95.71 | −$55.59 | −$57.22 | −$54.17 | −$48.01 | −$47.35 | −$43.72 | −$44.28 | −$43.40 | −$39.83 |
| Capital allocation | ||||||||||
| Dividends paid | $8,000 | $7,000 | $7,000 | $8,000 | $8,000 | $8,000 | $8,000 | $10,000 | $10,000 | $5,000 |
| Share buybacks (net) | $4.7M | $3.8M | $143,000 | $187,000 | $5.4M | $0 | $0 | $0 | $0 | $0 |
| Dividend payout ratio | 0.0% | 0.0% | 0.0% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% |
| Dividends + buybacks / free cash flow | 91.5% | 19.6% | 0.6% | 0.9% | 22.0% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% |
| Capex / revenue | 1.9% | 0.4% | 1.5% | 0.5% | 1.5% | 1.5% | 1.9% | 1.8% | 2.5% | 2.1% |
| Capex / operating cash flow | 24.6% | 1.8% | 4.5% | 1.6% | 3.2% | 6.8% | 6.4% | 6.1% | 7.6% | 9.5% |
| Capex / depreciation | 0.64 | 0.12 | 0.42 | 0.18 | 0.44 | 0.39 | 0.67 | 1.70 | 2.04 | 1.46 |
| Stock-based compensation / revenue | 0.4% | 1.0% | 1.0% | 1.0% | 1.1% | 1.0% | 0.8% | 0.8% | 0.8% | 0.7% |
| SG&A / revenue | 29.6% | 29.1% | 33.2% | 39.8% | 42.6% | 42.0% | 40.3% | 40.6% | 39.3% | 40.2% |
| Efficiency | ||||||||||
| Days sales outstanding | 31.0 | 31.2 | 28.4 | 30.0 | 32.1 | 30.3 | 27.5 | 28.6 | 30.8 | 30.1 |
| Days of inventory on hand | — | — | — | — | — | — | — | 115.5 | 474.6 | 226.9 |
| Days payables outstanding | — | — | 832.0 | 3,440.1 | -12,859.1 | 1,714.8 | 3,319.8 | 1,389.7 | 2,569.9 | 1,322.7 |
| Cash conversion cycle (days) | — | — | -803.6 | -3,410.1 | 12,891.2 | -1,684.5 | -3,292.3 | -1,245.6 | -2,064.6 | -1,065.7 |
| Receivables turnover | 11.78 | 11.70 | 12.83 | 12.18 | 11.38 | 12.07 | 13.29 | 12.77 | 11.87 | 12.14 |
| Payables turnover | — | — | 0.44 | 0.11 | −0.03 | 0.21 | 0.11 | 0.26 | 0.14 | 0.28 |
| Inventory turnover | — | — | — | — | — | — | — | 3.16 | 0.77 | 1.61 |
| Asset turnover | 0.05 | 0.04 | 0.04 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Average receivables | $7.5M | $7.2M | $6.3M | $5.2M | $4.8M | $4.7M | $4.2M | $4.1M | $4.1M | $3.6M |
| Average payables | — | — | $19.8M | $19.7M | $20.7M | $21.3M | $16.9M | $12.8M | $11.8M | $10.7M |
| Average inventory | — | — | — | — | — | — | — | $1.1M | $2.2M | $1.8M |
| Intangibles / total assets | 0.2% | 0.2% | 0.3% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.2% |
Computed from FNRN's annual financial statements (latest annual report filed January 30, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
FNRN valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), First Northern Community Bancorp traded at 9.7 times earnings, against a 10-year median of 9.2. Based on the latest twelve months, the trailing P/E is 12.9 and the forward P/E is 12.4. First Northern Community Bancorp earned a return on equity of 10.9% in fiscal 2025. It ended the year with $5.8 million of debt and $145.6 million in cash and short-term investments, a net cash position of $139.8 million. It returned $4.8 million to shareholders: $0.0 million in dividends and $4.7 million in share buybacks, 92% of free cash flow. The share count rose 4.4% from 15.5M to 16.2M over 9 years.
See the FNRN income statement, the FNRN chart for price history, or the FNRN stock overview for the latest quote and news.
FNRN key metrics FAQ
What is First Northern Community Bancorp's P/E ratio?
First Northern Community Bancorp's trailing P/E ratio is 12.9 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 12.4. At the end of fiscal 2025 it was 9.7, compared with a 10-year median of 9.2.
What is First Northern Community Bancorp's EV/EBITDA?
First Northern Community Bancorp's enterprise value was 2.2 times EBITDA at the end of fiscal 2025 (enterprise value $66.0 million, EBITDA $30.1 million).
What is First Northern Community Bancorp's return on equity?
First Northern Community Bancorp's return on equity (ROE) was 10.9% in fiscal 2025: net income of $21.1 million on average shareholders' equity of $194.2 million.
How much debt does First Northern Community Bancorp have?
First Northern Community Bancorp had total debt of $5.8 million at the end of fiscal 2025, a debt-to-equity ratio of 0.03 and more cash than debt.
What is First Northern Community Bancorp's dividend yield?
First Northern Community Bancorp paid $0.0 million in dividends in fiscal 2025 ($0.00 per share), a payout ratio of 0.0%.
Does First Northern Community Bancorp buy back its shares?
Yes. First Northern Community Bancorp spent $4.7 million on net share repurchases in fiscal 2025 Shares outstanding changed −4.4% over the year, to 16.2M..
What is First Northern Community Bancorp's free cash flow yield?
First Northern Community Bancorp generated $5.2 million of free cash flow in fiscal 2025, a free cash flow yield of 2.5% on its market value at year-end ($205.8 million).
What is First Northern Community Bancorp's current ratio?
First Northern Community Bancorp's current ratio was 140.53 at the end of fiscal 2025: current assets were 140.53 times current liabilities.