Financial Services
First Northern Community Bancorp(FNRN)
Live Price
Offline$18.40
+1.32% today
1Y Change
+92.66%
Window
Jun 26, 2025 โ Jun 23, 2026
- Market Cap
- $290.00M
- Revenue Growth
- +4.4%
- EPS Growth
- +11.7%
- Dividend Yield
- 0.0%
Coverage: 248 bars ยท Jun 26, 2025 โ Jun 23, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
First Northern Community Bancorp (FNRN) is a Financial Services stock with a market cap of $290.00M and listed on OTC. The stock last traded around $18.40 and up 92.7% across the available one-year price window (Jun 26, 2025 โ Jun 23, 2026). Baseline metrics include revenue growth of +4.4%, EPS growth of +11.7%, a dividend yield of 0.0%. What stands out right now is revenue +4.4%, EPS +11.7%, free cash flow -72.9% with operating margin 31.4% and ROIC 1.1%. Valuation is more restrained than many high-expectation growth names at P/E 13.4 and price/sales 3.3. Stock Foundry combines FNRN price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Near sector median
+4.4% vs +3.4% peer median
Operating Margin
Above sector median
+31.4% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 29, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +4.4% and EPS at +11.7%, with operating margin around 31.4%.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +4.9% over the next 5 trading days and finished higher after 3 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 29, 2026 | โ | +4.5% | +9.5% | +8.0% |
2026 Jan 29, 2026 | โ | -0.2% | +4.5% | +9.0% |
2025 Oct 29, 2025 | โ | +1.2% | +0.7% | +3.1% |
Benchmark Edge
FNRN vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
FNRN
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
FNRN Max Drawdown
-4.65%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for FNRN and SPY.
Company Overview
First Northern Community Bancorp
Other OTC
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 to medium sized businesses. The company accepts demand deposits, interest-bearing transaction deposits, savings and money market accounts, and time deposits. Its loan portfolio comprises of commercial, commercial real estate, agriculture, residential mortgage, residential construction, and consumer loans. The company also offers credit cards; investment and brokerage services; alternative investment products, and fiduciary and other financial services; and equipment leasing, merchant card processing, payroll, and international banking services through third parties. In addition, it provides issues cashier's checks, safe deposit boxes rental, and other customary banking services. The company operates eleven full-service branches located in the cities of Auburn, Davis, Dixon, Fairfield, Rancho Cordova, Roseville, Sacramento, Vacaville, West Sacramento, Winters, and Woodland; a satellite banking office inside a retirement community in the city of Davis; a residential mortgage loan office in Davis; and a commercial loan office in the Contra Costa County city of Walnut Creek. First Northern Community Bancorp was founded in 1910 and is headquartered in Dixon, California.
- Leadership
- Jeremiah Z. Smith
- IPO Date
- Jan 5, 1999
- Employees
- 187
- Street Address
- 195 North First Street
- Mailing
- Dixon, CA, 95620
- Region
- Dixon, CA, US
- Reporting Currency
- USD
- Investor Line
- 707 678 3041
- Last Updated
- Apr 29, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 13.4
- EV/EBITDA
- 5.0
- Price/Sales
- 3.3
- Price/Book
- 1.3
Growth
- Revenue
- +4.4%
- EPS
- +11.7%
- Free Cash Flow
- -72.9%
Profitability
- Gross Margin
- 83.0%
- Operating Margin
- 31.4%
- Net Margin
- 24.2%
- ROE
- 10.6%
- ROIC
- 1.1%
Balance Sheet
- Debt/Equity
- 0.03
- Current Ratio
- 133.78
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.