FNRN First Northern Community Bancorp - Common stock

NASDAQ · · View on SEC EDGAR ↗
$17.54
Price · Aug 19, 2026
Fundamentals as of Aug 7, 2026
52W Range
$14–$19
65% of range
Analyst Rating
—
Price Target
—
P/E (TTM)
—
ROE
10.4%
Net Profit Margin
28.7%

FNRN Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

Price
$17.54
Market Cap
—
P/E (TTM)
—
EPS (TTM)
$1.27
Revenue (TTM)
—
Div Yield
—
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

10-Year Performance Revenue, net income, margins and EPS trends

Revenue & Net Income —
EPS $1.27
10-point trend, +92.4%
2016-12-31 → 2025-12-31
Free Cash Flow $5M
8-point trend, -40.8%
2016-12-31 → 2025-12-31
Margins 28.7%

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric
5Y trend
FNRN
Peer Median

Profitability Gross, operating and net margins; ROE, ROA, ROIC

Metric
5Y trend
FNRN
Peer Median
Net Profit Margin
5-point trend, +6.0%
28.7%
—
ROA
5-point trend, -4.3%
1.1%
—
ROE
5-point trend, -7.5%
10.4%
—

Financial Health Debt, liquidity, solvency — balance sheet strength

Metric
5Y trend
FNRN
Peer Median
Debt / Equity
0.0
—

Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR

Metric
5Y trend
FNRN
Peer Median
Revenue YoY
4.5%
—
Revenue CAGR 3Y
6.1%
—
Revenue CAGR 5Y
5.9%
—
EPS YoY
5-point trend, +33.7%
6.7%
—
Net Income YoY
5-point trend, +48.9%
5.5%
—

Per Share Metrics EPS, book value per share, cash flow per share, dividend per share

Metric
5Y trend
FNRN
Peer Median
EPS (Diluted)
5-point trend, +33.7%
$1.27
—

Capital Efficiency Asset turnover, inventory turnover, receivables turnover

Metric
5Y trend
FNRN
Peer Median
Payout Ratio
35.5%
—

Dividends Yield, payout ratio, dividend history, 5Y CAGR

Dividend Yield
—
Payout Ratio
35.5%
5Y Div CAGR
—

Peer comparison (GICS sub-industry) Key metrics vs sector peers

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
FNRN — — 4.5% 28.7% 10.4% —
GBFH $488M 23.5 — 1.7% 13.2% —
OVLY $252M 10.4 6.7% 29.3% 12.2% —
BPRN — 12.8 12.8% — — —
CFFI $236M 8.8 10.6% 19.1% 11.0% —
LCNB $233M 10.1 13.3% 25.1% 8.6% —
FRAF $225M 10.6 24.8% 23.9% 12.8% —
FXNC $228M 12.9 0.76% 123.9% 9.8% —
FUNC $243M 9.9 4.0% 133.1% 12.4% —
ATLO $203M 15.6 21.9% 28.5% 9.5% —

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

Income Statement 10
Annual Income Statement data for FNRN
Metric Trend 202520242023202220212020201920182017201620152014
Interest Expense 10-point trend, +487.5% · · $8M $1M $912.0K $1M $2M $1M $1M $1M $1M $1M
Interest Income 12-point trend, +178.2% $82M $79M $74M $56M $47M $49M $49M $46M $40M $36M $31M $30M
Pretax Income 12-point trend, +216.5% $27M $28M $30M $22M $19M $17M $20M $17M $17M $13M $11M $9M
Income Tax 12-point trend, +125.0% $6M $8M $8M $6M $5M $5M $6M $5M $8M $5M $4M $3M
Net Income 12-point trend, +259.9% $21M $20M $22M $16M $14M $12M $15M $13M $9M $8M $7M $6M
EPS (Basic) 12-point trend, +150.0% $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) 12-point trend, +144.2% $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) 12-point trend, +48.7% 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) 12-point trend, +50.5% 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 10-point trend, +148114.3% $996M $1M $1M $774.0K · · $721.0K $565.0K $600.0K $633.0K $640.0K $672.0K
Balance Sheet 18
Annual Balance Sheet data for FNRN
Metric Trend 202520242023202220212020201920182017201620152014
Cash & Equivalents 12-point trend, -32.7% $146M $119M $149M $187M $346M $267M $111M $116M $153M $160M $201M $216M
PP&E (Net) 12-point trend, +19.7% $9M $9M $10M $6M $7M $7M $7M $7M $6M $7M $7M $7M
PP&E (Gross) 12-point trend, +35.1% $30M $29M $29M $24M $24M $23M $22M $22M $21M $22M $22M $22M
Accum. Depreciation 12-point trend, +42.6% $21M $20M $19M $18M $17M $17M $16M $15M $15M $15M $15M $15M
Goodwill Flat — no change across 2 periods · $0 $0 · · · · · · · · ·
Intangibles 6-point trend, +4332000.00 $4M $3M $4M $0 $0 $0 · · · · · ·
Total Assets 12-point trend, +99.5% $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 Flat — no change across 2 periods $0 $0 · · · · · · · · · ·
Total Liabilities 12-point trend, +96.2% $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 Flat — no change across 10 periods $0 $0 · · $0 $0 $0 $0 $0 $0 $0 $0
Total Debt $0 · · · · · · · · · · ·
Common Stock 12-point trend, +92.2% $135M $128M $123M $116M $110M $108M $100M $93M $86M $79M $74M $70M
Paid-in Capital Flat — no change across 5 periods $977.0K $977.0K · · · · · · · $977.0K $977.0K $977.0K
Retained Earnings 12-point trend, +1028.8% $92M $81M $69M $54M $44M $37M $32M $24M $18M $15M $12M $8M
AOCI 12-point trend, -23551.5% $-15M $-34M $-34M $-47M $-4M $5M $134.0K $-5M $-4M $-2M $-495.0K $66.0K
Stockholders' Equity 12-point trend, +130.3% $212M $176M $159M $125M $151M $151M $133M $112M $100M $92M $86M $92M
Liabilities + Equity 12-point trend, +99.5% $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 12-point trend, +60.7% 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 16
Annual Cash Flow data for FNRN
Metric Trend 202520242023202220212020201920182017201620152014
D&A 12-point trend, +148114.3% $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 12-point trend, +358.9% $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 12-point trend, -136.4% $-355.0K $603.0K $-404.0K $-687.0K $1M $-1M $450.0K $-1M $2M $-437.0K $688.0K $975.0K
Amort. of Intangibles 4-point trend, +731000.00 $731.0K $820.0K $829.0K $0 · · · · · · · ·
Other Non-cash 10-point trend, -36987.7% $-1.01B $-3M $4M $5M · · $197.0K $3M $4M $1M $5M $3M
Operating Cash Flow 12-point trend, -33.9% $7M $20M $27M $22M $25M $13M $17M $16M $16M $10M $14M $10M
CapEx 12-point trend, +219.5% $2M $343.0K $1M $344.0K $803.0K $862.0K $1M $963.0K $1M $926.0K $436.0K $532.0K
Investing Cash Flow 11-point trend, +141.8% $45M $-53M $84M $-179M $-186M $-202M $-35M $-72M $-64M $-167M $-107M ·
Stock Issued 12-point trend, +10.7% $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 6-point trend, +4749000.00 $5M $4M $143.0K $187.0K $5M $0 · · · · · ·
Net Stock Activity 10-point trend, -5642.9% $-5M $-4M $-47.0K $-71.0K · · $96.0K $91.0K $78.0K $61.0K $82.0K $84.0K
Dividends Paid 2-point trend, +17.5% $8M $6M · · · · · · · · · ·
Financing Cash Flow 11-point trend, -132.7% $-26M $4M $-149M $-2M $240M $345M $14M $20M $41M $116M $78M ·
Net Change in Cash 7-point trend, -49.6% $26M $-30M · · · · · $-37M $-7M $-41M $-15M $52M
Free Cash Flow 10-point trend, -47.5% $5M $19M $26M $21M · · $16M $15M $15M $9M $13M $10M
Levered FCF 8-point trend, +127.6% · · $21M $21M · · $14M $14M $14M $8M $12M $9M
Profitability 5
Annual Profitability data for FNRN
Metric Trend 202520242023202220212020201920182017201620152014
Net Margin 10-point trend, +81.2% 28.7% 28.5% 29.0% 25.8% · · 27.1% 24.3% 18.6% 19.1% 17.5% 15.8%
Pretax Margin 10-point trend, +59.3% 37.2% 39.6% 39.9% 35.2% · · 37.5% 33.5% 36.3% 30.7% 26.9% 23.4%
EBITDA Margin 10-point trend, +74697.2% 1353.8% 1.5% 1.4% 1.3% · · 1.3% 1.1% 1.3% 1.5% 1.6% 1.8%
ROA 10-point trend, +76.2% 1.1% 1.1% 1.1% 0.84% · · 1.2% 1.0% 0.73% 0.73% 0.69% 0.63%
ROE 10-point trend, +56.6% 10.4% 11.2% 14.6% 13.3% · · 11.2% 11.5% 9.1% 9.0% 7.8% 6.6%
Liquidity & Solvency 1
Annual Liquidity & Solvency data for FNRN
Metric Trend 202520242023202220212020201920182017201620152014
Debt / Equity 0.0 · · · · · · · · · · ·
Efficiency 1
Annual Efficiency data for FNRN
Metric Trend 202520242023202220212020201920182017201620152014
Asset Turnover 10-point trend, -3.0% 0.0 0.0 0.0 0.0 · · 0.0 0.0 0.0 0.0 0.0 0.0
Per Share 5
Annual Per Share data for FNRN
Metric Trend 202520242023202220212020201920182017201620152014
Book Value / Share 10-point trend, +43.3% $12.92 $11.06 $10.29 $8.53 · · $10.29 $9.18 $8.60 $8.28 $8.04 $9.02
Revenue / Share 10-point trend, +21.9% $4.44 $4.37 $4.85 $4.24 · · $4.20 $4.19 $4.04 $3.79 $3.72 $3.64
Cash Flow / Share 10-point trend, -59.5% $0.42 $1.21 $1.78 $1.50 · · $1.28 $1.28 $1.38 $0.87 $1.27 $1.03
Cash / Share 10-point trend, -60.5% $8.87 $7.49 $9.64 $12.79 · · $8.63 $9.47 $13.15 $14.32 $18.81 $22.44
EPS (TTM) 12-point trend, +144.2% $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 9
Annual Growth Rates data for FNRN
Metric Trend 202520242023202220212020201920182017201620152014
Revenue YoY 5-point trend, +335.9% 4.5% -5.4% 20.7% 13.9% -1.9% · · · · · · ·
Revenue CAGR 3Y 3-point trend, -41.9% 6.1% 9.2% 10.5% · · · · · · · · ·
Revenue CAGR 5Y 5.9% · · · · · · · · · · ·
EPS YoY 5-point trend, -42.9% 6.7% -11.2% 28.8% 9.5% 11.8% · · · · · · ·
EPS CAGR 3Y 3-point trend, -57.9% 6.9% 7.8% 16.4% · · · · · · · · ·
EPS CAGR 5Y 8.4% · · · · · · · · · · ·
Net Income YoY 5-point trend, -67.2% 5.5% -7.0% 35.7% 12.0% 16.7% · · · · · · ·
Net Income CAGR 3Y 3-point trend, -52.5% 10.0% 12.2% 21.0% · · · · · · · · ·
Net Income CAGR 5Y 11.7% · · · · · · · · · · ·
Valuation (TTM) 4
Annual Valuation (TTM) data for FNRN
Metric Trend 202520242023202220212020201920182017201620152014
Revenue TTM 12-point trend, +105.6% $74M $70M $74M $62M $54M $55M $54M $52M $47M $42M $38M $36M
Net Income TTM 12-point trend, +259.9% $21M $20M $22M $16M $14M $12M $15M $13M $9M $8M $7M $6M
Payout Ratio 35.5% · · · · · · · · · · ·
Annual Payout 2-point trend, +17.5% $8M $6M · · · · · · · · · ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

Income Statement
2025-12-312024-12-312023-12-312022-12-312021-12-31
Net Income $21M$20M$22M$16M$14M
Diluted EPS $1.27$1.19$1.34$1.04$0.95
Balance Sheet
2025-12-312024-12-312023-12-312022-12-312021-12-31
Debt / Equity 0.0————
Cash Flow
2025-12-312024-12-312023-12-312022-12-312021-12-31
Free Cash Flow $5M$19M$26M$21M—

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Institutional owners (13F) 56 filers · $65.4M 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.

Institution Value Shares % of tracked 13F Type
Fourthstone LLC $20,632,076 1,150,060 31.53% Shares
VANGUARD CAPITAL MANAGEMENT LLC $11,631,758 648,370 17.78% Shares
Focus Partners Advisor Solutions, LLC $6,883,399 383,690 10.52% Shares
GEODE CAPITAL MANAGEMENT, LLC $5,439,220 303,126 8.31% Shares
ALLIANCEBERNSTEIN L.P. $4,759,123 265,280 7.27% Shares
VANGUARD FIDUCIARY TRUST CO $1,825,126 101,735 2.79% Shares
VANGUARD PORTFOLIO MANAGEMENT LLC $1,816,299 101,243 2.78% Shares
Carbahal Olsen Financial Services Group, LLC $1,225,087 68,288 1.87% Shares
NORTHWESTERN MUTUAL WEALTH MANAGEMENT CO $1,205,209 67,180 1.84% Shares
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $939,482 52,368 1.44% Shares
GRAHAM CAPITAL WEALTH MANAGEMENT, LLC $797,594 44,459 1.22% Shares
Schonfeld Strategic Advisors LLC $777,070 43,315 1.19% Shares
Cetera Investment Advisers $642,898 35,836 0.98% Shares
OSAIC HOLDINGS, INC. $629,339 35,080 0.96% Shares
MARTINGALE ASSET MANAGEMENT L P $540,264 30,115 0.83% Shares
LPL Financial LLC $406,772 22,674 0.62% Shares
GOLDMAN SACHS GROUP INC $385,082 21,465 0.59% Shares
PL Capital Advisors, LLC $364,631 20,325 0.56% Shares
Nuveen, LLC $354,566 19,764 0.54% Shares
Squarepoint Ops LLC $299,993 16,722 0.46% Shares
HoldCo Asset Management, LP $282,770 15,762 0.43% Shares
Arcus Capital Partners, LLC $269,190 15,005 0.41% Shares
DEUTSCHE BANK AG\ $263,072 14,664 0.40% Shares
RHUMBLINE ADVISERS $255,891 14,264 0.39% Shares
CITADEL ADVISORS LLC $252,810 14,092 0.39% Shares
Allworth Financial LP $248,416 13,847 0.38% Shares
Bank of New York Mellon Corp $231,982 12,931 0.35% Shares
WELLS FARGO & COMPANY/MN $225,739 12,583 0.34% Shares
O'SHAUGHNESSY ASSET MANAGEMENT, LLC $210,634 11,741 0.32% Shares
CAPTRUST FINANCIAL ADVISORS $202,991 11,315 0.31% Shares
MetLife Investment Management, LLC $167,344 9,328 0.26% Shares
Golden State Wealth Management, LLC $163,631 9,121 0.25% Shares
MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. $123,625 6,891 0.19% Shares
Vanguard Global Advisers, LLC $117,112 6,528 0.18% Shares
JPMORGAN CHASE & CO $110,084 6,230 0.17% Shares
CITIGROUP INC $109,057 6,079 0.17% Shares
Invesco Ltd. $107,496 5,992 0.16% Shares
NEW YORK STATE COMMON RETIREMENT FUND $100,464 5,600 0.15% Shares
Police & Firemen's Retirement System of New Jersey $79,528 4,433 0.12% Shares
STRS OHIO $52,026 2,900 0.08% Shares
BNP PARIBAS FINANCIAL MARKETS $48,510 2,704 0.07% Shares
NORTHERN TRUST CORP $42,608 2,375 0.07% Shares
BARCLAYS PLC $37,745 2,104 0.06% Shares
BlackRock, Inc. $30,050 1,675 0.05% Shares
Tower Research Capital LLC (TRC) $29,547 1,647 0.05% Shares
Legal & General Group Plc $26,257 1,464 0.04% Shares
Ameritas Investment Partners, Inc. $24,470 1,364 0.04% Shares
Russell Investments Group, Ltd. $21,545 1,201 0.03% Shares
UBS Group AG $18,837 1,050 0.03% Shares
MORGAN STANLEY $9,311 519 0.01% Shares
ROYAL BANK OF CANADA $9,000 496 0.01% Shares
Sterling Capital Management LLC $5,436 303 0.01% Shares
M3F, Inc. $4,393 244,872 0.01% Shares
FMR LLC $753 42 0.00% Shares
PRICE T ROWE ASSOCIATES INC /MD/ $222 12,335 0.00% Shares
ACADIAN ASSET MANAGEMENT LLC $49 2,760 0.00% Shares

Company insiders 33 insiders · 14 officers · 16 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. 6, 2018 S 22,850 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
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
CARBAHAL JOHN Director Feb. 16, 2018 P 66,699 0 0 $0
ALDRETE LORI J Director May 9, 2017 P 33,790 0 0 $0
Sean P Quinn Director Feb. 9, 2017 P 833 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
MCNAUGHTON FOY S Director May 17, 2011 P 33,397 0 0 $0
ANDREWS FRANK J JR Director Feb. 17, 2009 S 4,342 0 0 $0
Richard M Martinez — Aug. 13, 2026 S 72,252 0 1 $-35,020
Jean-Luc Servat — Aug. 12, 2026 P 5,635 16 0 $85,812
Mark C Schulze — Aug. 11, 2026 S 729,921 0 8 $-264,628
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

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.

ETF ownership Held by 9 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
VXF · VANGUARD INDEX FUNDS — — July 15, 2026 Daily
VTI · VANGUARD INDEX FUNDS — — July 15, 2026 Daily
VTWO · VANGUARD SCOTTSDALE FUNDS — — July 15, 2026 Daily
VTWV · VANGUARD SCOTTSDALE FUNDS — — July 15, 2026 Daily
VTHR · VANGUARD SCOTTSDALE FUNDS — — July 15, 2026 Daily
IWN · iShares Trust — — Aug. 17, 2026 Daily
IWM · iShares Trust — — Aug. 18, 2026 Daily
IWC · iShares Trust — — Aug. 18, 2026 Daily
OMFS · Invesco Exchange-Traded Self-Indexe… — — July 13, 2026 Daily