FNRN logo

FIRST NORTHERN COMMUNITY BAN

FNRNNASDAQ
🏆 #3450 by market capUS Equity
$17.30▲ $0.06 (+0.35%)
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🏦Market Cap
$284M
Small Cap
📈Revenue Growth (YoY)
+38.1%
High Growth
📊Gross Margin
—
💵FCF Margin
7.5%
Moderate
⚖️P/S Ratio
1.7x
Cheap
Otter Score
76
Good
No chart data available for FNRN.

Trading Snapshot

Day Range
$17.07 – $17.61
52-Week Range
$11.72 – $19.25
Volume
$2.82B
Avg Volume
$3.18B
Shares Outstanding
16.4M
Next Earnings
Nov 11, 2026

Fundamentals Snapshot

Annual Revenue
$88M
Last Q Revenue
$23M
P/E Ratio
13.4
P/S Ratio
1.7x
EPS (TTM)
$1.22
Dividend Yield
0.00%
Dilution (1yr)
−0.3%

Why Investors Own FNRN

  • ✓High-growth profile — revenue up +9.9% YoY with expanding US Equity exposure.
  • ✓Healthy economics — 74% gross margin and 8% free-cash-flow margin.
  • ✓New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

FNRN logo

FIRST NORTHERN COMMUNITY BAN

FNRN
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$88M▲ +4.4% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
83.2%▼ −0.2% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$27M▼ −1.6% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$5M▼ −72.9% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
16.5M▼ −0.3% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$140M▲ +$4M YoY
StockOtter · stockotter.space

About FIRST NORTHERN COMMUNITY BAN

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 company provides debit and credit cards; investment and brokerage services; alternative investment products, and fiduciary and other financial services; equipment leasing, merchant card processing, payroll, and international banking services through third parties; and other customary banking services. Further, it rents safe deposit boxes. The company operates branches located in the cities of Auburn, Colusa, Davis, Dixon, Fairfield, Orland, Rancho Cordova, Roseville, Sacramento, Vacaville, West Sacramento, Winters, Willows, and Woodland; satellite banking office inside a retirement community in the city of Davis; and residential mortgage loan office in Davis. First Northern Community Bancorp was founded in 1910 and is headquartered in Dixon, California.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)
💎Quality★★★★★
🚀Growth★★★★★
⚖️Valuation★★★★★
⚡Momentum★★★★★
💧Dilution★★★★★
Overall Score
Good
76/100

Analyst Price Target

ⓘ
Average Target
$20.35
▲ +17.6% Upside
High Target$23.52
Low Target$15.93
Based on 17 analysts

Latest News & Updates

🚀
CNBC·2h ago

FIRST NORTHERN COMMUNITY BAN tops quarterly estimates as demand accelerates

Revenue grew double digits with management guiding above consensus; margins continued to expand.

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Reuters·5h ago

Analysts lift FNRN price targets on improving margins

Several firms raised targets, citing stronger free cash flow and a healthier backlog.

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CNBC·1d ago

FIRST NORTHERN COMMUNITY BAN announces new agreement to expand its footprint

The move broadens the company’s reach and could add incremental revenue over the next year.