FIRST NORTHERN COMMUNITY BANCORP
FIRST NORTHERN COMMUNITY BANCORP
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash And Cash Equivalents At Carrying Value | 113 | 140 | 146 | 150 | 127 | 112 | 119 | 164 | 182 | 187 | 149 | 197 | |||||
Certificates Of Deposit At Carrying Value | 11 | 10 | 10 | 13 | 15 | 16 | 16 | 19 | 17 | 18 | 20 | 21 | |||||
Available For Sale Securities Debt Securities | - | - | - | - | 594 | 637 | 634 | 632 | 561 | 558 | 572 | 567 | |||||
Notes Receivable Net | - | - | - | - | 1,063 | 1,041 | 1,047 | 1,042 | 1,049 | 1,047 | 1,052 | 1,037 | |||||
Assets | |||||||||||||||||
Assets | 1,926 | 1,925 | 1,911 | 1,908 | 1,872 | 1,876 | 1,892 | 1,931 | 1,888 | 1,887 | 1,872 | 1,902 | |||||
Loans Receivable Held For Sale Net Not Part Of Dis… | - | - | - | - | - | 0 | - | - | 0 | - | - | 0 | |||||
Equity Securities Without Readily Determinable Fai… | - | - | - | - | 11 | 11 | 11 | 11 | 11 | 11 | 11 | 11 | |||||
Debt Securities Available For Sale Excluding Accru… | 619 | 623 | 617 | 602 | - | - | 634 | - | - | - | - | - | |||||
Financing Receivable Excluding Accrued Interest Af… | - | 1,065 | 1,050 | 1,056 | - | - | 1,047 | - | - | - | - | - | |||||
Property Plant And Equipment Net | 9 | 9 | 9 | 9 | 8 | 8 | 9 | 9 | 10 | 10 | 10 | 10 | |||||
Other Real Estate And Foreclosed Assets | - | - | - | - | 1 | 1 | - | - | - | - | - | - | |||||
Other Real Estate | 1 | 1 | 1 | 1 | - | - | 0 | - | - | - | - | - | |||||
Finite Lived Intangible Assets Net | 4 | 4 | 4 | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 4 | 4 | |||||
Interest Receivable And Other Assets | 65 | 62 | 62 | 65 | 51 | 47 | 52 | 49 | 55 | 52 | 53 | 55 | |||||
Liabilities | |||||||||||||||||
Demand Deposit Accounts | 630 | 628 | 632 | 700 | 688 | 695 | 671 | 747 | 746 | 737 | 745 | 771 | |||||
Interest Bearing Deposit Liabilities | 451 | 444 | 439 | 384 | 381 | 383 | 421 | 388 | 371 | 373 | 380 | 406 | |||||
Deposits | |||||||||||||||||
Deposits | 1,692 | 1,695 | 1,679 | 1,686 | 1,663 | 1,675 | 1,700 | 1,732 | 1,707 | 1,709 | 1,692 | 1,746 | |||||
Deposits Savings Deposits | - | - | - | - | 464 | 459 | 458 | 443 | 431 | 443 | 431 | 445 | |||||
Accrued Liabilities And Other Liabilities | 17 | 16 | 20 | 17 | - | - | 15 | - | - | - | - | - | |||||
Liabilities | 1,709 | 1,711 | 1,699 | 1,703 | 1,677 | 1,688 | 1,715 | 1,749 | 1,722 | 1,725 | 1,713 | 1,766 | |||||
Common Stock Value | 134 | 134 | 135 | 126 | 126 | 127 | 128 | 121 | 123 | 124 | 123 | 117 | |||||
Stockholders Equity | |||||||||||||||||
Additional Paid In Capital | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Stockholders Equity | 217 | 214 | 212 | 205 | 195 | 188 | 176 | 182 | 166 | 162 | 159 | 136 | |||||
Retained Earnings Accumulated Deficit | 102 | 97 | 92 | 96 | 90 | 85 | 81 | 83 | 77 | 73 | 69 | 68 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -20 | -19 | -15 | -18 | -23 | -25 | -34 | -23 | -35 | -35 | -34 | -49 | |||||
Liabilities And Stockholders Equity | 1,926 | 1,925 | 1,911 | 1,908 | 1,872 | 1,876 | 1,892 | 1,931 | 1,888 | 1,887 | 1,872 | 1,902 | |||||
Debt Securities Available For Sale Allowance For C… | - | - | - | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Available For Sale Debt Securities Amortized Cost … | - | - | - | - | 626 | 673 | 682 | 665 | 611 | 608 | 620 | 637 | |||||
Financing Receivable Allowance For Credit Losses | - | - | - | - | 16 | 17 | 16 | 16 | 17 | 16 | 17 | 16 | |||||
Debt Securities Available For Sale Amortized Cost … | 0 | 0 | 0 | 0 | - | - | 0 | - | - | - | - | - | |||||
Debt Securities Available For Sale Amortized Cost … | 647 | 650 | 640 | 627 | - | - | 682 | - | - | - | - | - | |||||
Financing Receivable Allowance For Credit Loss Exc… | - | 15 | 15 | 16 | - | 17 | 16 | 16 | - | - | - | - | |||||
Common Stock No Par Value | 0 | 0 | 0 | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Shares Authorized | 32 | 32 | 32 | - | 32 | 32 | 32 | 32 | 32 | 32 | 32 | 32 | |||||
Common Stock Shares Issued | 16 | 16 | 16 | - | 16 | 16 | 16 | 15 | 15 | 16 | 15 | 15 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Shares Outstanding | 16 | 16 | 16 | - | 16 | 16 | 16 | 15 | 15 | 16 | 15 | 15 | |||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -2.93% | 0.00% | 3.27% | - | - | - | - | - | - | - | - | - |
| 2025 | 0.91% | -0.51% | 7.11% | 7.88% | 13.88% | 16.38% | 2.45% | 2.60% | 3.98% | 11.43% | 20.94% | 22.07% |
| 2024 | 0.56% | 1.23% | 10.74% | 4.86% | 4.25% | 0.71% | -0.50% | -1.00% | -1.79% | 2.52% | -1.51% | 0.00% |
| 2023 | - | - | - | 2.12% | 0.42% | -4.87% | -7.31% | 1.94% | -1.14% | 5.92% | 6.86% | 6.39% |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.58 | -0.56 | -0.59 | -0.59 | -0.57 | -0.59 | -0.34 | 0.07 | 0.83 | 3.85 | 4.91 | 3.85 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 1.37 | 1.42 | 1.27 | 1.33 | 1.23 | 1.17 | 1.19 | 1.31 | 1.25 | 1.26 | 1.34 | 1.26 | |||||
| Free Cash Flow Per Share TTM | 0.39 | 0.35 | 0.32 | 0.27 | 1.20 | 1.21 | 1.15 | 0.95 | 1.17 | 1.50 | 1.64 | 2.13 | |||||
| Dividend Per Share TTM | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 32.34% | 32.44% | 33.35% | 35.57% | 35.11% | 32.30% | 64.08% | 75.54% | 83.14% | 85.79% | 88.51% | 92.50% | |||||
| Operating Profit Margin TTM | 127.55% | 135.09% | 123.12% | 120.03% | 124.76% | 123.92% | 69.97% | 50.19% | 36.59% | 36.99% | 40.00% | 37.75% | |||||
| Net Profit Margin TTM | 100.63% | 104.99% | 94.92% | 92.41% | 90.13% | 89.66% | 50.35% | 36.22% | 26.58% | 26.85% | 29.08% | 27.41% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | -1.01% | 2.69% | -44.06% | -60.94% | -70.11% | -71.39% | -46.32% | -17.82% | 13.42% | 24.30% | 32.64% | 38.07% | |||||
| Net Income Growth (1Y) | 10.52% | 20.25% | 5.46% | -0.35% | 1.34% | -4.48% | -7.05% | 8.60% | 4.40% | 10.96% | 35.70% | 35.22% | |||||
| EPS Growth (1Y) | 12.29% | 22.39% | 7.87% | 2.02% | -1.31% | -7.06% | -11.13% | 3.97% | -0.64% | 5.21% | 28.52% | 28.21% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 12.78 | 10.97 | 9.81 | 8.94 | 7.42 | 8.19 | 7.54 | 7.04 | 6.48 | 6.44 | 5.70 | 6.42 | |||||
| P/B TTM | 1.33 | 1.20 | 0.98 | 0.92 | 0.78 | 0.85 | 0.86 | 0.81 | 0.79 | 0.81 | 0.77 | 0.91 | |||||
| P/S TTM | 12.86 | 11.52 | 9.31 | 8.26 | 6.69 | 7.35 | 3.79 | 2.55 | 1.72 | 1.73 | 1.66 | 1.76 | |||||
| Market Cap | 289.19M | 256.36M | 207.29M | 187.77M | 151.92M | 159.20M | 150.99M | 148.25M | 130.93M | 131.00M | 122.76M | 124.54M | |||||
| Enterprise Value | 175.76M | 116.78M | 61.73M | 38.26M | 25.07M | 47.48M | 31.54M | -15.66M | -50.86M | -55.91M | -26.45M | -72.56M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 6.33M | 5.63M | 5.20M | 4.26M | 19.65M | 19.87M | 19.19M | 15.11M | 18.67M | 23.98M | 26.08M | 32.40M | |||||
| Net Debt | -113.44M | -139.58M | -145.55M | -149.51M | -126.85M | -111.72M | -119.45M | -163.92M | -181.78M | -186.91M | -149.21M | -197.11M | |||||
Per-Share and Margin | |||||||||||||||||
| EPS TTM | |||||||||||||||||
| Adjusted EPS TTM | |||||||||||||||||
| Cash Flow Per Share TTM | |||||||||||||||||
| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
| Average Equity | |||||||||||||||||
| Average Inventory | |||||||||||||||||
| Average Receivables | |||||||||||||||||
| Average Accounts Payables | |||||||||||||||||
| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
| Dividends Paid Growth (3Y) | |||||||||||||||||
| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
| Net Income Growth (5Y) | |||||||||||||||||
| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
| Altman B | |||||||||||||||||
| Altman C | |||||||||||||||||
| Altman D | |||||||||||||||||
| Altman E | |||||||||||||||||
| Altman Z-Score | |||||||||||||||||
| ROA TTM | |||||||||||||||||
| ROE TTM | |||||||||||||||||
| NOPAT TTM | |||||||||||||||||
| ROIC TTM | |||||||||||||||||
| Effective Tax Rate TTM | |||||||||||||||||
| Payout Ratio TTM | |||||||||||||||||
| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
| EV EBIT TTM | |||||||||||||||||
| Stock Compensation TTM | |||||||||||||||||
| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
FIRST NORTHERN COMMUNITY BANCORP (FNRN) — SEC Financial Statements & Analysis
FIRST NORTHERN COMMUNITY BANCORP (FNRN) is a savings institution, federally chartered company, incorporated in CA. FIRST NORTHERN COMMUNITY BANCORP trades on Nasdaq as: FNRN. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), FIRST NORTHERN COMMUNITY BANCORP reported a -1.01% year-over-year revenue growth, a Gross Profit Margin of 32.34% (TTM), a Price-to-Sales (P/S) ratio of 12.86x (TTM), a Price-to-Book (P/B) ratio of 1.33x (TTM), at a market cap of $289.19M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- -1.01%
- Gross Profit Margin TTM
- 32.34%
- P/S TTM
- 12.86x
- P/B TTM
- 1.33x
- Market Cap
- $289.19M
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is FIRST NORTHERN COMMUNITY BANCORP in?
FIRST NORTHERN COMMUNITY BANCORP (FNRN) operates in the Savings Institution, Federally Chartered industry.
What is FNRN's market cap?
FIRST NORTHERN COMMUNITY BANCORP (FNRN) has a market capitalization of $289.19M as of 2026-06-30.
What is FNRN's P/E ratio?
FIRST NORTHERN COMMUNITY BANCORP (FNRN)'s trailing twelve month P/E ratio is 12.78x as of 2026-06-30.
What exchange does FNRN trade on?
FIRST NORTHERN COMMUNITY BANCORP (FNRN) trades on the Nasdaq.
Where is FIRST NORTHERN COMMUNITY BANCORP incorporated?
FIRST NORTHERN COMMUNITY BANCORP is incorporated in CA.