FIRST NORTHERN COMMUNITY BAN

FNRNNASDAQ

🏆 #2812 by market capEarnings Oct 28US Equity

$17.34▼ $0.01 (−0.03%)

Market closed · at close

1h—

24h▼ 0.0%

7d▼ 4.6%

14d▼ 7.3%

30d▼ 4.6%

1y—

🏦Market Cap

$285M

Small Cap

📈Revenue Growth (YoY)

+38.1%

High Growth

📊Gross Margin

—

💵FCF Margin

7.4%

Moderate

⚖️P/S Ratio

1.7x

Cheap

Otter Score

Weak

Trading Snapshot

Day Range: $17.11 – $17.65
52-Week Range: $10.50 – $19.25
Volume: $2.82B
Avg Volume: $3.18B
Shares Outstanding: 16.4M
Next Earnings: Sep 24, 2026

Fundamentals Snapshot

Annual Revenue: $88M
Last Q Revenue: $23M
P/E Ratio: 13.5
P/S Ratio: 1.7x
EPS (TTM): $1.22
Dividend Yield: 0.00%

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.

Financial Trends

Revenue (TTM)

$88M▲ +9.6% YoY

Gross Margin (TTM)

73.8%▲ +2.4% YoY

Operating Income (TTM)

$26M▲ +9.6% YoY

Free Cash Flow (TTM)

$7M▲ +9.6% YoY

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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