First Northern Community Bancorp
FNRN | NASDAQ
$17.34
+$0.23 (+1.34%)
Nov 2, 2026, 9:39 AM ET · Market open
Market Data
Market Cap $284.29M
Enterprise Value $-451.84M
Beta 0.02
Average Volume 168.31K
Shares Outstanding (Diluted) 16.51M
Shares Change YoY 4.41%
Institutional Ownership 33.97%
Exchange NASDAQ
ISIN US3359251036
Price Performance
Price Change 1M -2.5%
Price Change 3M -5.6%
Price Change 6M 1.8%
Price Change YTD 29.8%
Price Change 1Y 38.8%
Price Change 3Y 130.3%
Price Change 5Y 113.5%
1M CAGR (ann.) -0.9%
1Y CAGR (ann.) 38.3%
5Y CAGR (ann.) 15.7%
All-Time CAGR 12.8%
Valuation
PE Ratio 12.31
Forward PE N/A
PEG Ratio 1.02
Forward PEG 1.02
PS Ratio 3.13
Forward PS N/A
PB Ratio 1.29
P/FCF Ratio 44.16
P/Adj. FCF Ratio 48.76
P/OCF Ratio 31.69
EV/Sales -5.03
EV/EBIT -15.76
EV/EBITDA -14.70
EV/FCF -71.12
Earnings Yield 8.1%
FCF Yield 2.3%
Adj. FCF Yield 2.0%
Financial Health
Net Cash $731.82M
Total Debt $0
Cash & Short-Term Investments $732.37M
Total Assets $1.93B
Current Ratio 1,331.57
Quick Ratio 1,331.57
Debt / Equity Ratio 0.00
Debt / EBITDA 0.00
Debt / FCF 0.00
OCF / Debt N/A
Interest Coverage 1.89
Altman Z-Score 0.72
Piotroski F-Score 5
Margins & Profitability
Gross Profit Margin 83.0%
Operating Profit Margin 32.0%
EBITDA Margin 34.2%
Net Profit Margin 25.2%
FCF Margin 7.1%
Adj. FCF Margin 6.4%
SBC / Revenue 0.7%
SBC Impact (per share) -9.4%
Returns
Return on Assets 1.2%
Return on Equity 10.7%
Return on Invested Capital 3.0%
Return on Capital Employed 1.5%
Return on Tangible Assets 1.2%
Historical Growth (CAGR)
Revenue CAGR 3Y 6.9%
Revenue CAGR 5Y 9.6%
Revenue CAGR 10Y 7.9%
EPS CAGR 3Y 3.1%
EPS CAGR 5Y 8.8%
EPS CAGR 10Y 10.3%
FCF CAGR 3Y -39.0%
FCF CAGR 5Y -13.3%
FCF CAGR 10Y -3.2%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 0
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Jan 28, 2027
EPS Estimate (next Q) N/A
EPS Growth Est (next Q) N/A
Revenue Est (next Q) N/A
Revenue Growth Est (next Q) N/A
Fair Value Estimates
Graham Number $20.52
Graham Upside 19.9%
Lynch Fair Value $12.29
Lynch Upside -28.2%
Price Target $0.00
Price Target Upside N/A
Cash Flow
Operating Cash Flow $8.68M
Free Cash Flow $6.35M
Adj. Free Cash Flow $5.75M
FCF Per Share $0.39
OCF Per Share $0.54
OCF/S Ratio 9.7%
Income Statement
Revenue $89.74M
Gross Profit $74.48M
Operating Income $28.68M
EBITDA $30.73M
Net Income $22.63M
EPS (Diluted) $1.39
Revenue / Employee $439.92K
Profit / Employee $110.91K
Employees 204
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