First Northern Community Bancorp
General ticker "FNRN" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $261.9M (TTM average)
First Northern Community Bancorp follows the US Stock Market performance with the rate: 43.0%.
Estimated limits based on current volatility of 3.3%: low 17.20$, high 18.36$
Factors to consider:
- Total employees count: 204 (+9.1%) as of 2025
- Top business risk factors: Bank failures, Liquidity and credit risks, Interest rate risk, Regulatory and compliance, Climate change and natural disasters
- Current price 19.1% above estimated high
- Earnings for 9 months up through Q3 are close to our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [10.90$, 14.01$]
- 2026-12-31 to 2027-12-31 estimated range: [11.64$, 15.02$]
Financial Metrics affecting the FNRN estimates:
- Positive: with PPE of 10.3 at the end of fiscal year the price was neutral
- Positive: 22.71 < Operating profit margin, % of 31.00
- Positive: 0.77 < Return on assets ratio (scaled to [-100,100]) of 1.09
- Positive: 1.94 < Operating cash flow per share per price, % of 3.24
- Positive: 14.46 < Industry operating profit margin (median), % of 24.03
- Positive: Inventory ratio change, % of 0 <= 0
- Negative: 4.82 < Interest expense per share per price, % of 6.97
- Positive: Investing cash flow per share per price, % of 21.05 > 2.40
Short-term FNRN quotes
Long-term FNRN plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $75.20MM | $84.67MM | $88.40MM |
| Operating Expenses | $44.74MM | $56.83MM | $61.00MM |
| Operating Income | $30.47MM | $27.84MM | $27.41MM |
| Non-Operating Income | $-0.82MM | $0.00MM | $0.00MM |
| Interest Expense | $7.58MM | $14.29MM | $14.84MM |
| Income(Loss) | $29.65MM | $27.84MM | $27.41MM |
| Taxes | $8.09MM | $7.81MM | $6.28MM |
| Net Income(Loss)* | $21.55MM | $20.03MM | $21.13MM |
| Stockholders Equity | $159.25MM | $176.33MM | $212.02MM |
| Assets | $1,871.83MM | $1,891.72MM | $1,910.95MM |
| Operating Cash Flow | $27.30MM | $19.54MM | $6.90MM |
| Capital expenditure | $1.22MM | $0.34MM | $1.70MM |
| Investing Cash Flow | $83.61MM | $-53.28MM | $44.82MM |
| Financing Cash Flow | $-149.11MM | $3.98MM | $-25.61MM |
| Earnings Per Share** | $1.29 | $1.20 | $1.33 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.