FNRN First Northern Community Bancorp - Common stock
NASDAQ · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 7, 2026
$17.78
· of 52w range
· above low
· to high
$14.4152w low
$19.2552w high
Market Cap (MRQ)
$292M
EPS
$1.27
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52W Range
$14–$19
Analyst Rating
·
Price Target
·
P/E
·
ROE
10.4%
Net Profit Margin
28.7%
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FNRN Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$17.78
Market Cap (MRQ)
$292M
EPS
$1.27
ROE
10.4%
Debt/Equity
0.0
52W Range
$14–$19
FNRN Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| Feb. 27, 2026 | 21-for-20 | Forward |
| Feb. 28, 2025 | 21-for-20 | Forward |
| Feb. 28, 2024 | 21-for-20 | Forward |
| Feb. 27, 2023 | 21-for-20 | Forward |
| Feb. 25, 2022 | 21-for-20 | Forward |
| Feb. 27, 2018 | 26-for-25 | Forward |
| Feb. 25, 2015 | 26-for-25 | Forward |
| Feb. 26, 2014 | 103-for-100 | Forward |
| Feb. 28, 2013 | 51-for-50 | Forward |
| Feb. 27, 2012 | 101-for-100 | Forward |
| Feb. 25, 2009 | 26-for-25 | Forward |
| Feb. 27, 2008 | 53-for-50 | Forward |
| Feb. 27, 2007 | 53-for-50 | Forward |
| Feb. 24, 2006 | 53-for-50 | Forward |
| May 12, 2005 | 2-for-1 | Forward |
| Feb. 24, 2005 | 53-for-50 | Forward |
| Feb. 25, 2004 | 53-for-50 | Forward |
| Feb. 26, 2003 | 53-for-50 | Forward |
| Feb. 26, 2002 | 53-for-50 | Forward |
| Feb. 26, 2001 | 53-for-50 | Forward |
| Feb. 25, 2000 | 53-for-50 | Forward |
| Feb. 24, 1999 | 21-for-20 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
EPS$1.272016-12-31 → 2025-12-31
Free Cash Flow$5M2016-12-31 → 2025-12-31
Net margin28.7%2016-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | FNRN | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/B (MRQ) | 1.3 | · | · | · | |
| Price / FCF (TTM) | 46.1 | · | · | · | |
| Price / Cash Flow (TTM) | 33.7 | · | · | · | |
| Price / Tangible Book (MRQ) | 1.4 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | FNRN | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 1353.8%5Y avg ≈339.5% | ≈339.5% | · | · | |
| Pretax Margin | 37.2%5Y avg ≈38.0% | ≈38.0% | · | · | |
| Net Profit Margin | 28.7%5Y avg ≈28.0% | ≈28.0% | · | · | |
| ROA | 1.1%5Y avg ≈1.0% | ≈1.0% | · | · | |
| ROE | 10.4%5Y avg ≈12.4% | ≈12.4% | · | · |
Financial Health Debt, liquidity, solvency — balance sheet strength
| Metric | 5Y trend | FNRN | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Debt / Equity | 0.0 | · | · | · |
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | FNRN | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 4.5%5Y avg ≈6.4% | ≈6.4% | · | · | |
| Revenue CAGR 3Y | 6.1%5Y avg ≈8.6% | ≈8.6% | · | · | |
| Revenue CAGR 5Y | 5.9% | · | · | · | |
| EPS YoY | 6.7%5Y avg ≈9.1% | ≈9.1% | · | · | |
| Net Income YoY | 5.5%5Y avg ≈12.5% | ≈12.5% | · | · | |
| EPS CAGR 3Y | 6.9%5Y avg ≈10.4% | ≈10.4% | · | · | |
| EPS CAGR 5Y | 8.4% | · | · | · | |
| Net Income CAGR 3Y | 10.0%5Y avg ≈14.4% | ≈14.4% | · | · | |
| Net Income CAGR 5Y | 11.7% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | FNRN | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Payout Ratio35.5%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Next Report
Oct 27, 2026
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $8M | $1M | $912.0K | $1M | $2M | $1M | $1M | $1M | $1M | $1M | |
| Interest Income | $82M | $79M | $74M | $56M | $47M | $49M | $49M | $46M | $40M | $36M | $31M | $30M | |
| Pretax Income | $27M | $28M | $30M | $22M | $19M | $17M | $20M | $17M | $17M | $13M | $11M | $9M | |
| Income Tax | $6M | $8M | $8M | $6M | $5M | $5M | $6M | $5M | $8M | $5M | $4M | $3M | |
| Net Income | $21M | $20M | $22M | $16M | $14M | $12M | $15M | $13M | $9M | $8M | $7M | $6M | |
| EPS (Basic) | $1.30 | $1.20 | $1.35 | $1.05 | $0.96 | $0.86 | $1.10 | $0.94 | $0.69 | $0.67 | $0.60 | $0.52 | |
| EPS (Diluted) | $1.27 | $1.19 | $1.34 | $1.04 | $0.95 | $0.85 | $1.08 | $0.93 | $0.68 | $0.66 | $0.59 | $0.52 | |
| Shares (Basic) | 16,291,309 | 16,663,530 | 15,932,056 | 15,089,635 | 14,738,356 | 14,114,262 | 13,414,705 | 13,382,484 | 12,698,948 | 12,058,728 | 11,444,066 | 10,953,117 | |
| Shares (Diluted) | 16,571,281 | 16,886,723 | 16,082,871 | 15,255,424 | 14,926,141 | 14,240,346 | 13,579,683 | 13,567,587 | 12,860,159 | 12,136,282 | 11,507,459 | 11,010,258 | |
| EBITDA | $996M | $1M | $1M | $774.0K | · | · | $721.0K | $565.0K | $600.0K | $633.0K | $640.0K | $672.0K |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $146M | $119M | $149M | $187M | $346M | $267M | $111M | $116M | $153M | $160M | $201M | $216M | |
| PP&E (Net) | $9M | $9M | $10M | $6M | $7M | $7M | $7M | $7M | $6M | $7M | $7M | $7M | |
| PP&E (Gross) | $30M | $29M | $29M | $24M | $24M | $23M | $22M | $22M | $21M | $22M | $22M | $22M | |
| Accum. Depreciation | $21M | $20M | $19M | $18M | $17M | $17M | $16M | $15M | $15M | $15M | $15M | $15M | |
| Goodwill | · | $0 | $0 | · | · | · | · | · | · | · | · | · | |
| Intangibles | $4M | $3M | $4M | $0 | $0 | $0 | · | · | · | · | · | · | |
| Total Assets | $1.91B | $1.89B | $1.87B | $1.87B | $1.90B | $1.66B | $1.29B | $1.25B | $1.22B | $1.17B | $1.04B | $958M | |
| Short-term Debt | $0 | $0 | · | · | · | · | · | · | · | · | · | · | |
| Total Liabilities | $1.70B | $1.72B | $1.71B | $1.75B | $1.75B | $1.50B | $1.16B | $1.14B | $1.12B | $1.07B | $959M | $866M | |
| Long-term Debt | $0 | $0 | · | · | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Total Debt | $0 | · | · | · | · | · | · | · | · | · | · | · | |
| Common Stock | $135M | $128M | $123M | $116M | $110M | $108M | $100M | $93M | $86M | $79M | $74M | $70M | |
| Paid-in Capital | $977.0K | $977.0K | · | · | · | · | · | · | · | $977.0K | $977.0K | $977.0K | |
| Retained Earnings | $92M | $81M | $69M | $54M | $44M | $37M | $32M | $24M | $18M | $15M | $12M | $8M | |
| AOCI | $-15M | $-34M | $-34M | $-47M | $-4M | $5M | $134.0K | $-5M | $-4M | $-2M | $-495.0K | $66.0K | |
| Stockholders' Equity | $212M | $176M | $159M | $125M | $151M | $151M | $133M | $112M | $100M | $92M | $86M | $92M | |
| Liabilities + Equity | $1.91B | $1.89B | $1.87B | $1.87B | $1.90B | $1.66B | $1.29B | $1.25B | $1.22B | $1.17B | $1.04B | $958M | |
| Shares Outstanding | 16,406,281 | 15,943,051 | 15,482,332 | 14,652,584 | 13,848,904 | 13,634,463 | 12,919,132 | 12,253,812 | 11,630,129 | 11,148,446 | 10,676,557 | 10,207,043 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $996M | $1.06B | $1M | $774.0K | $764.0K | $943.0K | $721.0K | $565.0K | $600.0K | $633.0K | $640.0K | $672.0K | |
| Stock-based Comp | $849.0K | $846.0K | $820.0K | $655.0K | $588.0K | $574.0K | $475.0K | $424.0K | $378.0K | $286.0K | $230.0K | $185.0K | |
| Deferred Tax | $-355.0K | $603.0K | $-404.0K | $-687.0K | $1M | $-1M | $450.0K | $-1M | $2M | $-437.0K | $688.0K | $975.0K | |
| Amort. of Intangibles | $731.0K | $820.0K | $829.0K | $0 | · | · | · | · | · | · | · | · | |
| Other Non-cash | $-1.01B | $-3M | $4M | $5M | · | · | $197.0K | $3M | $4M | $1M | $5M | $3M | |
| Operating Cash Flow | $7M | $20M | $27M | $22M | $25M | $13M | $17M | $16M | $16M | $10M | $14M | $10M | |
| CapEx | $2M | $343.0K | $1M | $344.0K | $803.0K | $862.0K | $1M | $963.0K | $1M | $926.0K | $436.0K | $532.0K | |
| Investing Cash Flow | $45M | $-53M | $84M | $-179M | $-186M | $-202M | $-35M | $-72M | $-64M | $-167M | $-107M | · | |
| Stock Issued | $93.0K | $102.0K | $96.0K | $116.0K | $97.0K | $111.0K | $96.0K | $91.0K | $78.0K | $61.0K | $82.0K | $84.0K | |
| Stock Repurchased | $5M | $4M | $143.0K | $187.0K | $5M | $0 | · | · | · | · | · | · | |
| Net Stock Activity | $-5M | $-4M | $-47.0K | $-71.0K | · | · | $96.0K | $91.0K | $78.0K | $61.0K | $82.0K | $84.0K | |
| Dividends Paid | $8M | $6M | · | · | · | · | · | · | · | · | · | · | |
| Financing Cash Flow | $-26M | $4M | $-149M | $-2M | $240M | $345M | $14M | $20M | $41M | $116M | $78M | · | |
| Net Change in Cash | $26M | $-30M | · | · | · | · | · | $-37M | $-7M | $-41M | $-15M | $52M | |
| Free Cash Flow | $5M | $19M | $26M | $21M | · | · | $16M | $15M | $15M | $9M | $13M | $10M | |
| Levered FCF | · | · | $21M | $21M | · | · | $14M | $14M | $14M | $8M | $12M | $9M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 28.7% | 28.5% | 29.0% | 25.8% | · | · | 27.1% | 24.3% | 18.6% | 19.1% | 17.5% | 15.8% | |
| Pretax Margin | 37.2% | 39.6% | 39.9% | 35.2% | · | · | 37.5% | 33.5% | 36.3% | 30.7% | 26.9% | 23.4% | |
| EBITDA Margin | 1353.8% | 1.5% | 1.4% | 1.3% | · | · | 1.3% | 1.1% | 1.3% | 1.5% | 1.6% | 1.8% | |
| ROA | 1.1% | 1.1% | 1.1% | 0.84% | · | · | 1.2% | 1.0% | 0.73% | 0.73% | 0.69% | 0.63% | |
| ROE | 10.4% | 11.2% | 14.6% | 13.3% | · | · | 11.2% | 11.5% | 9.1% | 9.0% | 7.8% | 6.6% |
Liquidity & Solvency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.0 | · | · | · | · | · | · | · | · | · | · | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | · | · | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $12.92 | $11.06 | $10.29 | $8.53 | · | · | $10.29 | $9.18 | $8.60 | $8.28 | $8.04 | $9.02 | |
| Revenue / Share | $4.44 | $4.37 | $4.85 | $4.24 | · | · | $4.20 | $4.19 | $4.04 | $3.79 | $3.72 | $3.64 | |
| Cash Flow / Share | $0.42 | $1.21 | $1.78 | $1.50 | · | · | $1.28 | $1.28 | $1.38 | $0.87 | $1.27 | $1.03 | |
| Cash / Share | $8.87 | $7.49 | $9.64 | $12.79 | · | · | $8.63 | $9.47 | $13.15 | $14.32 | $18.81 | $22.44 | |
| EPS (TTM) | $1.27 | $1.19 | $1.34 | $1.04 | $0.95 | $0.85 | $1.08 | $0.93 | $0.68 | $0.66 | $0.59 | $0.52 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 4.5% | -5.4% | 20.7% | 13.9% | -1.9% | · | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 6.1% | 9.2% | 10.5% | · | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 5.9% | · | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 6.7% | -11.2% | 28.8% | 9.5% | 11.8% | · | · | · | · | · | · | · | |
| EPS CAGR 3Y | 6.9% | 7.8% | 16.4% | · | · | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 8.4% | · | · | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 5.5% | -7.0% | 35.7% | 12.0% | 16.7% | · | · | · | · | · | · | · | |
| Net Income CAGR 3Y | 10.0% | 12.2% | 21.0% | · | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 11.7% | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $74M | $70M | $74M | $62M | $54M | $55M | $54M | $52M | $47M | $42M | $38M | $36M | |
| Net Income TTM | $21M | $20M | $22M | $16M | $14M | $12M | $15M | $13M | $9M | $8M | $7M | $6M | |
| Payout Ratio | 35.5% | · | · | · | · | · | · | · | · | · | · | · | |
| Annual Payout | $8M | $6M | · | · | · | · | · | · | · | · | · | · |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $3M | · | $2M | $2M | $930.0K | $495.0K | $271.0K | |
| Interest Income | $21M | $21M | $22M | $21M | $21M | $20M | $20M | $20M | $20M | $19M | $20M | $18M | $19M | $17M | $16M | $14M | |
| Pretax Income | $6M | $8M | $8M | $7M | $8M | $5M | $8M | $8M | $6M | $6M | $9M | $6M | $6M | $8M | $7M | $6M | |
| Income Tax | $1M | $2M | $2M | $569.0K | $2M | $1M | $2M | $2M | $2M | $2M | $3M | $2M | $2M | $2M | $2M | $2M | |
| Net Income | $5M | $6M | $6M | $6M | $5M | $4M | $6M | $5M | $4M | $4M | $7M | $5M | $5M | $5M | $5M | $5M | |
| EPS (Basic) | $0.29 | $0.37 | $0.36 | $0.39 | $0.33 | $0.22 | $0.30 | $0.35 | $0.28 | $0.27 | $0.39 | $0.30 | $0.30 | $0.36 | $0.27 | $0.32 | |
| EPS (Diluted) | $0.29 | $0.36 | $0.34 | $0.38 | $0.33 | $0.22 | $0.32 | $0.34 | $0.27 | $0.26 | $0.38 | $0.30 | $0.30 | $0.36 | $0.28 | $0.31 | |
| Shares (Basic) | 16,119,853 | 16,133,555 | · | 15,499,900 | 16,377,019 | 16,420,431 | · | 15,868,938 | 15,949,825 | 15,976,904 | · | 15,191,973 | 15,180,272 | 15,149,823 | · | 14,404,438 | |
| Shares (Diluted) | 16,508,791 | 16,490,162 | · | 15,778,782 | 16,592,259 | 16,661,559 | · | 16,101,957 | 16,149,929 | 16,144,930 | · | 15,359,986 | 15,277,811 | 15,291,746 | · | 14,555,110 |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $113M | $140M | $146M | $150M | $127M | $112M | $119M | $164M | $182M | $187M | $149M | $197M | $205M | $206M | $187M | $264M | |
| PP&E (Net) | $9M | $9M | $9M | $9M | $8M | $8M | $9M | $9M | $10M | $10M | $10M | $10M | $10M | $10M | $6M | $6M | |
| PP&E (Gross) | · | · | $30M | · | · | · | $29M | · | · | · | $29M | · | · | · | $24M | · | |
| Accum. Depreciation | · | · | $21M | · | · | · | $20M | · | · | · | $19M | · | · | · | $18M | · | |
| Goodwill | · | · | · | · | · | · | · | · | · | · | · | $0 | $0 | $0 | · | · | |
| Intangibles | $4M | $4M | $4M | $3M | $3M | $3M | $3M | $4M | $4M | $4M | $4M | $4M | $5M | $5M | $0 | · | |
| Total Assets | $1.93B | $1.92B | $1.91B | $1.91B | $1.87B | $1.88B | $1.89B | $1.93B | $1.89B | $1.89B | $1.87B | $1.90B | $1.91B | $1.90B | $1.87B | $1.93B | |
| Short-term Debt | · | · | $0 | · | · | · | $0 | · | · | · | · | · | · | · | · | · | |
| Total Liabilities | $1.71B | $1.71B | $1.70B | $1.70B | $1.68B | $1.69B | $1.72B | $1.75B | $1.72B | $1.72B | $1.71B | $1.77B | $1.78B | $1.77B | $1.75B | $1.82B | |
| Long-term Debt | · | · | $0 | · | · | · | $0 | · | · | · | · | · | · | · | · | · | |
| Common Stock | $134M | $134M | $135M | $126M | $126M | $127M | $128M | $121M | $123M | $124M | $123M | $117M | $117M | $117M | $116M | $111M | |
| Paid-in Capital | $977.0K | $977.0K | $977.0K | $977.0K | · | · | $977.0K | · | · | · | · | · | · | · | · | · | |
| Retained Earnings | $102M | $97M | $92M | $96M | $90M | $85M | $81M | $83M | $77M | $73M | $69M | $68M | $63M | $59M | $54M | $55M | |
| AOCI | $-20M | $-19M | $-15M | $-18M | $-23M | $-25M | $-34M | $-23M | $-35M | $-35M | $-34M | $-49M | $-44M | $-41M | $-47M | $-53M | |
| Stockholders' Equity | $217M | $214M | $212M | $205M | $195M | $188M | $176M | $182M | $166M | $162M | $159M | $136M | $137M | $136M | $125M | $113M | |
| Liabilities + Equity | $1.93B | $1.92B | $1.91B | $1.91B | $1.87B | $1.88B | $1.89B | $1.93B | $1.89B | $1.89B | $1.87B | $1.90B | $1.91B | $1.90B | $1.87B | $1.93B | |
| Shares Outstanding | 16,395,303 | 16,409,660 | 16,406,281 | · | 15,818,328 | 15,897,929 | 15,943,051 | 15,263,027 | 15,419,573 | 15,550,731 | 15,482,332 | 14,732,351 | 14,720,633 | 14,735,607 | 14,652,584 | 13,922,049 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $156.0K | $115.0K | $228.0K | $257.0K | $166.0K | $198.0K | $220.0K | $171.0K | $159.0K | $296.0K | $304.0K | $136.0K | $188.0K | $192.0K | $155.0K | $168.0K | |
| Amort. of Intangibles | $245.0K | $253.0K | $181.0K | $181.0K | $180.0K | $189.0K | $204.0K | $203.0K | $203.0K | $210.0K | $226.0K | $226.0K | $226.0K | $151.0K | $0 | $0 | |
| Operating Cash Flow | $3M | $4M | $8M | $-7M | $3M | $3M | $6M | $8M | $3M | $3M | $2M | $12M | $8M | $5M | $9M | $7M | |
| CapEx | $561.0K | $498.0K | $431.0K | $838.0K | $335.0K | $96.0K | $122.0K | $102.0K | $119.0K | $0 | $176.0K | $539.0K | $221.0K | $285.0K | $307.0K | $25.0K | |
| Investing Cash Flow | $-27M | $-25M | $-3M | $7M | $25M | $15M | $-18M | $-49M | $-5M | $19M | $4M | $-7M | $-17M | $104M | $-13M | $-37M | |
| Stock Repurchased | $244.0K | $1M | $1M | $1M | $876.0K | $1M | $969.0K | $2M | $1M | $0 | $0 | $0 | $117.0K | $26.0K | $85.0K | $18.0K | |
| Net Stock Activity | · | $-1M | · | · | · | $-1M | · | · | · | $0 | · | · | · | $-26.0K | · | · | |
| Financing Cash Flow | $-3M | $14M | $-9M | $22M | $-12M | $-27M | $-33M | $23M | $-3M | $16M | $-54M | $-12M | $7M | $-90M | $-73M | $48M | |
| Net Change in Cash | $-26M | $-6M | $-4M | $23M | $15M | $-8M | $-44M | · | · | · | · | · | · | · | · | · | |
| Taxes Paid | · | · | · | · | $4M | $0 | · | $2M | $250.0K | $4M | · | $0 | $0 | $0 | · | $1M | |
| Free Cash Flow | · | $4M | · | · | · | $3M | · | · | · | $3M | · | · | · | $5M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $361.9K | · | · | · | $4M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 25.2% | 31.2% | · | 32.5% | 29.6% | 21.1% | · | 30.4% | 25.3% | 25.4% | · | 26.2% | 23.7% | 29.1% | · | 28.1% | |
| Pretax Margin | 33.1% | 40.2% | · | 35.6% | 41.1% | 28.5% | · | 42.4% | 35.0% | 35.2% | · | 35.5% | 32.8% | 40.2% | · | 37.3% | |
| ROA | 0.25% | 0.31% | · | 0.31% | 0.29% | 0.20% | · | 0.29% | 0.23% | 0.23% | · | 0.24% | 0.24% | 0.29% | · | 0.24% | |
| ROE | 2.3% | 2.9% | · | 3.1% | 3.0% | 2.1% | · | 3.5% | 2.9% | 2.9% | · | 3.7% | 3.5% | 4.1% | · | 3.4% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $13.24 | $13.03 | · | · | $12.32 | $11.81 | · | $11.92 | $10.75 | $10.44 | · | $9.26 | $9.29 | $9.21 | · | $8.14 | |
| Revenue / Share | $1.14 | $1.15 | · | $1.17 | $1.17 | $1.10 | · | $1.18 | $1.13 | $1.10 | · | $1.21 | $1.33 | $1.29 | · | $1.18 | |
| Cash Flow / Share | · | $0.26 | · | · | · | $0.22 | · | · | · | $0.17 | · | · | · | $0.35 | · | · | |
| Cash / Share | $6.92 | $8.51 | · | · | $8.02 | $7.03 | · | $10.74 | $11.79 | $12.02 | · | $13.38 | $13.91 | $13.99 | · | $18.99 | |
| EPS (TTM) | $1.37 | $1.41 | · | $1.25 | $1.21 | $1.15 | · | $1.25 | $1.21 | $1.24 | · | $1.24 | $1.25 | $1.19 | · | $0.94 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $75M | $75M | · | $72M | $72M | $71M | · | $71M | $71M | $72M | · | $73M | $72M | $67M | · | $58M | |
| Net Income TTM | $23M | $23M | · | $21M | $20M | $19M | · | $21M | $20M | $20M | · | $19M | $19M | $18M | · | $14M | |
| Market Cap | $294M | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | |
| P/E | 13.1 | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | |
| P/S | 3.9 | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | |
| P/B | 1.4 | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | |
| P / Tangible Book | 1.4 | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | |
| Earnings Yield | 7.6% | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Net Income | $21M | $20M | $22M | $16M | $14M |
| Diluted EPS | $1.27 | $1.19 | $1.34 | $1.04 | $0.95 |
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Debt / Equity | 0.0 | · | · | · | · |
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $5M | $19M | $26M | $21M | · |
Institutional owners (13F) 58 filers · $92.6M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
58
Value held
$92.6M
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| Fourthstone LLC | $20,632,076 | 1,150,060 | 22.27% | Shares |
| BlackRock, Inc. | $18,859,713 | 1,051,266 | 20.36% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $11,631,758 | 648,370 | 12.56% | Shares |
| Focus Partners Advisor Solutions, LLC | $6,883,399 | 383,690 | 7.43% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $6,413,236 | 357,419 | 6.92% | Shares |
| ALLIANCEBERNSTEIN L.P. | $4,759,123 | 265,280 | 5.14% | Shares |
| STATE STREET CORP | $3,246,674 | 180,974 | 3.50% | Shares |
| NORTHERN TRUST CORP | $2,064,661 | 115,087 | 2.23% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,825,126 | 101,735 | 1.97% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,816,299 | 101,243 | 1.96% | Shares |
| UBS Group AG | $1,312,347 | 73,152 | 1.42% | Shares |
| Carbahal Olsen Financial Services Group, LLC | $1,225,087 | 68,288 | 1.32% | Shares |
| NORTHWESTERN MUTUAL WEALTH MANAGEMENT CO | $1,205,209 | 67,180 | 1.30% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $939,482 | 52,368 | 1.01% | Shares |
| GRAHAM CAPITAL WEALTH MANAGEMENT, LLC | $797,594 | 44,459 | 0.86% | Shares |
| Schonfeld Strategic Advisors LLC | $777,070 | 43,315 | 0.84% | Shares |
| Bank of New York Mellon Corp | $653,859 | 36,447 | 0.71% | Shares |
| Cetera Investment Advisers | $642,898 | 35,836 | 0.69% | Shares |
| OSAIC HOLDINGS, INC. | $629,339 | 35,080 | 0.68% | Shares |
| MARTINGALE ASSET MANAGEMENT L P | $540,264 | 30,115 | 0.58% | Shares |
| LPL Financial LLC | $406,772 | 22,674 | 0.44% | Shares |
| GOLDMAN SACHS GROUP INC | $385,082 | 21,465 | 0.42% | Shares |
| PL Capital Advisors, LLC | $364,631 | 20,325 | 0.39% | Shares |
| Nuveen, LLC | $354,566 | 19,764 | 0.38% | Shares |
| Squarepoint Ops LLC | $299,993 | 16,722 | 0.32% | Shares |
| HoldCo Asset Management, LP | $282,770 | 15,762 | 0.31% | Shares |
| Arcus Capital Partners, LLC | $269,190 | 15,005 | 0.29% | Shares |
| WELLS FARGO & COMPANY/MN | $267,494 | 14,911 | 0.29% | Shares |
| DEUTSCHE BANK AG\ | $263,072 | 14,664 | 0.28% | Shares |
| MORGAN STANLEY | $257,672 | 14,363 | 0.28% | Shares |
| RHUMBLINE ADVISERS | $255,891 | 14,264 | 0.28% | Shares |
| CITADEL ADVISORS LLC | $252,810 | 14,092 | 0.27% | Shares |
| Allworth Financial LP | $248,416 | 13,847 | 0.27% | Shares |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | $210,634 | 11,741 | 0.23% | Shares |
| CAPTRUST FINANCIAL ADVISORS | $202,991 | 11,315 | 0.22% | Shares |
| Invesco Ltd. | $183,598 | 10,234 | 0.20% | Shares |
| MetLife Investment Management, LLC | $167,344 | 9,328 | 0.18% | Shares |
| Golden State Wealth Management, LLC | $163,631 | 9,121 | 0.18% | Shares |
| CITIGROUP INC | $124,611 | 6,946 | 0.13% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $123,625 | 6,891 | 0.13% | Shares |
| Vanguard Global Advisers, LLC | $117,112 | 6,528 | 0.13% | Shares |
| JPMORGAN CHASE & CO | $110,084 | 6,230 | 0.12% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $100,464 | 5,600 | 0.11% | Shares |
| Police & Firemen's Retirement System of New Jersey | $79,528 | 4,433 | 0.09% | Shares |
| BARCLAYS PLC | $60,314 | 3,362 | 0.07% | Shares |
| STRS OHIO | $52,026 | 2,900 | 0.06% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $48,510 | 2,704 | 0.05% | Shares |
| Tower Research Capital LLC (TRC) | $29,547 | 1,647 | 0.03% | Shares |
| Legal & General Group Plc | $26,257 | 1,464 | 0.03% | Shares |
| Ameritas Investment Partners, Inc. | $24,470 | 1,364 | 0.03% | Shares |
Activists & 5%+ owners 1 position
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Owen J. Onsum | Jan. 8, 2003 | · | Initial filing | · | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 33 insiders · 14 officers · 19 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Jeremiah Zachary Smith | President/CEO/Director | May 15, 2026 S | 154,569 | 0 | 1 | $-119,991 |
| Kevin Spink | EVP/Chief Financial Officer | May 4, 2026 S | 45,962 | 0 | 1 | $-140,938 |
| Charles Cochran | EVP/Chief Cmrcl Banking Oficer | Feb. 18, 2026 A | 7,500 | 0 | 0 | $0 |
| Duane Swizer | EVP/Chief Information Officer | Feb. 18, 2026 A | 8,139 | 0 | 0 | $0 |
| Brett Hamilton | EVP/Chief Credit Officer | Feb. 18, 2026 A | 17,993 | 0 | 0 | $0 |
| Jeffrey A Adamski | EVP/Senior Loan Officer | Feb. 20, 2025 A | 99,951 | 0 | 0 | $0 |
| Denise Burris | EVP/Chief Information Officer | Feb. 14, 2024 A | 36,224 | 0 | 0 | $0 |
| Joe T Danelson | EVP/Chief Credit Officer | Feb. 14, 2024 A | 66,449 | 0 | 0 | $0 |
| Kimberly A Debra | EVP/Chief Communications Ofcr | Aug. 7, 2023 M | 41,684 | 0 | 0 | $0 |
| Bruce A Orris | EVP/Chief Information Officer | Aug. 10, 2018 S | 21,609 | 0 | 0 | $0 |
| Robert M Walker | EVP/Wealth Mgmt & Mortgage Div | Aug. 3, 2016 I | 13,655 | 0 | 0 | $0 |
| Patrick S Day | EVP/Chief Credit Officer | March 25, 2015 M | 33,055 | 0 | 0 | $0 |
| FISH DONALD J | EVP/Chief Credit Officer | Jan. 26, 2006 M | 96,735 | 0 | 0 | $0 |
| WALKER ROBERT M | SVP/Branch Administrator | Nov. 10, 2003 G | 2,510 | 0 | 0 | $0 |
| Richard M Martinez | Director | Aug. 13, 2026 S | 72,252 | 0 | 1 | $-35,020 |
| Jean-Luc Servat | Director | Aug. 12, 2026 P | 5,635 | 16 | 0 | $85,812 |
| Mark C Schulze | Director | Aug. 11, 2026 S | 729,921 | 0 | 8 | $-264,628 |
| Barbara A Hayes | Director | Feb. 18, 2026 P | 12,273 | 1 | 0 | $2,514 |
| WALKER LOUISE A | Director | Feb. 12, 2026 M | 202,426 | 0 | 0 | $0 |
| Richard Bedoya | Director | Feb. 11, 2026 P | 2,907 | 1 | 0 | $12,940 |
| Daniel F Ramos | Director | Feb. 15, 2024 P | 350 | 0 | 0 | $0 |
| DUPRATT GREG | Director | Dec. 6, 2023 G | 115,377 | 0 | 0 | $0 |
| Patrick R Brady | Director | May 17, 2023 P | 7,213 | 0 | 0 | $0 |
| Sean P Quinn | Director | Aug. 6, 2021 P | 5,472 | 0 | 0 | $0 |
| MCNAUGHTON FOY S | Director | April 16, 2019 G | 80,788 | 0 | 0 | $0 |
| CARBAHAL JOHN | Director | Nov. 12, 2018 P | 70,362 | 0 | 0 | $0 |
| ALDRETE LORI J | Director | May 9, 2017 P | 33,790 | 0 | 0 | $0 |
| ONSUM OWEN J | Director | March 3, 2015 I | 217,565 | 0 | 0 | $0 |
| HAMLYN DIANE P | Director | Nov. 8, 2014 J | 7,239 | 0 | 0 | $0 |
| SCHULZE DAVID W | Director | Dec. 27, 2012 J | 230,269 | 0 | 0 | $0 |
| HAMEL JOHN F | Director | Jan. 26, 2012 G | 49,374 | 0 | 0 | $0 |
| ANDREWS FRANK J JR | Director | Feb. 17, 2009 S | 4,342 | 0 | 0 | $0 |
| Andrew S Wallace | · | Feb. 15, 2008 A | 1,196 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 13 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.06% | 51,649 SH | Sept. 11, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.02% | 13,066 SH | Aug. 19, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.02% | 2,402 SH | Oct. 2, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 86,902 SH | Aug. 19, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 7,147 NS | July 31, 2026 | N-PORT |
| IWM · iShares Trust | 0.01% | 367,965 SH | Sept. 11, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.00% | 1,458 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 706 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 2,233 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 171,632 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 468,200 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 1,275 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 138,916 SH | Sept. 11, 2026 | Daily |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| FNRN | · | · | 4.5% | 28.7% | 10.4% | · |
| FDBC | $251M | 9.0 | 15.3% | 30.2% | 12.3% | · |
| FCCO | $228M | 12.0 | -3.1% | 2083.0% | 11.9% | · |
| CBNA | · | 11.2 | 3.8% | 36.8% | 12.4% | · |
| BPRN | · | 12.8 | 12.8% | · | · | · |
| MYFW | $261M | 20.0 | 7.6% | 13.6% | 5.0% | · |
| OVLY | $252M | 10.4 | 6.7% | 29.3% | 12.2% | · |
| ISBA | $366M | 19.5 | 11.5% | 24.1% | 8.4% | · |
| QNBC | · | · | 16.9% | 24.2% | 11.6% | · |
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Source: SEC 10-Q filed Aug 7, 2026