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First Northern Community Bancorp
(NASDAQ:FNRN)
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Rating:73Outperform
Price Target:
$19.50
▲(12.78% Upside)
Action:Reiterated
Date:08/18/26
The score is driven primarily by strong financial performance (solid profitability and conservative balance sheet), supported by reasonable valuation and constructive corporate developments (uplisting/index inclusion and solid capital/credit trends). The main drags are volatile cash generation and a mixed near-term technical picture with negative MACD and price below short-term moving averages.
Positive Factors
Revenue and Profitability
Multi-year revenue expansion and sustained mid-20% net margins indicate durable earnings power for a community bank. TTM net income improved to $22.6M, supporting resilience even as recent growth moderated.
Negative Factors
Volatile Cash Generation
Cash generation has been positive but inconsistent, and free-cash-flow conversion is below prior near-1:1 levels. This weakens confidence that reported earnings will translate consistently into internally generated liquidity.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and Profitability
Multi-year revenue expansion and sustained mid-20% net margins indicate durable earnings power for a community bank. TTM net income improved to $22.6M, supporting resilience even as recent growth moderated.
Read all positive factors
First Northern Community Bancorp (FNRN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$280.69M
Dividend YieldN/A
Average Volume (3M)5.41K
Price to Earnings (P/E)11.7
Beta (1Y)-0.17
Revenue Growth4.52%
EPS Growth13.04%
CountryUS
Employees204
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.42
Shares Outstanding16,395,304
10 Day Avg. Volume5,378
30 Day Avg. Volume5,413
Financial Highlights & Ratios
PEG Ratio0.85
Price to Book (P/B)1.00
Price to Sales (P/S)2.40
P/FCF Ratio40.83
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
First Northern Community Bancorp Business Overview & Revenue Model
Company Description
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 product...
How the Company Makes Money
First Northern Community Bancorp primarily makes money through its banking subsidiary by earning interest income and fee-based (noninterest) income.
1) Net interest income (core earnings driver): The bank generates revenue by originating and hold...
First Northern Community Bancorp Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
88
Very Positive
Cash Flow
67
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 89.74M | 88.40M | 84.67M | 80.56M | 62.81M | 55.04M |
| Gross Profit | 74.48M | 73.57M | 70.63M | 71.88M | 60.73M | 55.63M |
| EBITDA | 30.73M | 29.33M | 30.64M | 32.55M | 23.54M | 21.25M |
| Net Income | 22.63M | 21.13M | 20.03M | 21.55M | 15.88M | 14.19M |
Balance Sheet | ||||||
| Total Assets | 1.93B | 1.91B | 1.89B | 1.87B | 1.87B | 1.90B |
| Cash, Cash Equivalents and Short-Term Investments | 732.37M | 145.55M | 769.38M | 741.28M | 826.46M | 991.41M |
| Total Debt | 0.00 | 5.79M | 0.00 | 0.00 | 5.42M | 5.66M |
| Total Liabilities | 1.71B | 1.70B | 1.72B | 1.71B | 1.75B | 1.75B |
| Stockholders Equity | 217.15M | 212.02M | 176.33M | 159.25M | 125.04M | 150.91M |
Cash Flow | ||||||
| Free Cash Flow | 6.35M | 5.20M | 19.19M | 25.97M | 21.44M | 24.47M |
| Operating Cash Flow | 8.68M | 6.90M | 19.54M | 27.19M | 21.78M | 25.27M |
| Investing Cash Flow | -46.81M | 44.82M | -53.28M | 83.72M | -178.78M | -186.38M |
| Financing Cash Flow | 24.70M | -25.61M | 3.98M | -149.11M | -1.51M | 239.85M |
First Northern Community Bancorp Technical Analysis
Negative
17.29
Price Trends
17.82
Negative
17.37
Negative
15.43
Positive
Market Momentum
-0.25
Positive
34.67
Neutral
9.70
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FNRN, the sentiment is Negative. The current price of 17.29 is below the 20-day moving average (MA) of 17.41, below the 50-day MA of 17.82, and above the 200-day MA of 15.43, indicating a neutral trend. The MACD of -0.25 indicates Positive momentum. The RSI at 34.67 is Neutral, neither overbought nor oversold. The STOCH value of 9.70 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FNRN.
First Northern Community Bancorp Risk Analysis
First Northern Community Bancorp disclosed 29 risk factors in its most recent earnings report. First Northern Community Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
First Northern Community Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $251.19M | 10.11 | 13.36% | 3.21% | 5.91% | 37.89% | |
73 Outperform | $280.69M | 11.74 | 10.68% | ― | 4.52% | 13.04% | |
71 Outperform | $278.24M | 12.73 | 11.51% | 2.49% | 7.47% | 141.95% | |
71 Outperform | $279.24M | 11.26 | 14.00% | 2.14% | 10.02% | 67.97% | |
71 Outperform | $224.74M | 11.94 | 9.83% | 3.06% | 20.33% | 59.91% | |
70 Outperform | $225.93M | 7.70 | 12.59% | 3.19% | 7.19% | 31.23% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
FNRN
First Northern Community Bancorp
16.67
5.19
45.26%
OPBK
OP Bancorp
15.01
0.98
6.99%
FXNC
First National
30.55
7.76
34.06%
FRAF
Franklin Financial Services
61.95
16.43
36.10%
EFSI
Eagle Financial Services
41.31
5.08
14.02%
VABK
Virginia National Bankshares
46.30
6.08
15.13%
First Northern Community Bancorp Corporate Events
Business Operations and StrategyDelistings and Listing ChangesFinancial DisclosuresM&A Transactions
First Northern Community Bancorp Reports Solid Q2 Earnings
Positive
Jul 30, 2026
On July 29, 2026, First Northern Community Bancorp reported second-quarter 2026 net income of $4.7 million, or $0.29 per diluted share, down 13.5% from the prior-year quarter, while six‑month net income rose 16.4% to $10.6 million. As of Jun...
Executive/Board ChangesShareholder Meetings
First Northern Shareholders Back Board, Pay and Auditor
Positive
May 26, 2026
On May 19, 2026, First Northern Community Bancorp shareholders elected eleven directors to serve on the Board until the 2027 annual meeting, with all nominees receiving strong support and only modest votes withheld. Investors also approved on a no...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.