First Northern Community Bancorp (FNRN) Stock Price

First Northern Community Bancorp Price

OTC·CLOSED
17.34USD+0.75 (+4.45 %)
Market closed

Over the last 19 years First Northern Community Bancorp grew revenue by 2.8% annually, reaching 73.57 M USD. Earnings per share have grown at 6.1% per year over the last 19 years. For First Northern Community Bancorp, the net margin of 28.7% is up versus 26.2% a few years ago. The stock trades about 51% above its 52-week low.

First Northern Community Bancorp stock price

Volume
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of First Northern Community Bancorp over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how First Northern Community Bancorp stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing First Northern Community Bancorp's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

First Northern Community Bancorp Stock Price History
DateFirst Northern Community Bancorp Price
8/10/202617.34 USD
8/7/202616.59 USD
8/6/202617.81 USD
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8/20/202511.70 USD
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8/13/202511.54 USD
8/12/202511.59 USD
Access this data via the Eulerpool API

First Northern Community Bancorp Revenue, Pre-Provision Profit, Net Income

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Revenue
Pre-Provision Profit
Net Income
Details
Date
Revenue
Pre-Provision Profit
Net Income
Jan 1, 2018
51.56 M USD
19.39 M USD
12.55 M USD
Jan 1, 2019
54.33 M USD
20.39 M USD
14.72 M USD
Jan 1, 2020
55.19 M USD
16.66 M USD
12.16 M USD
Jan 1, 2021
54.13 M USD
17.93 M USD
14.19 M USD
Jan 1, 2022
61.63 M USD
22.57 M USD
15.88 M USD
Jan 1, 2023
72.98 M USD
29.34 M USD
21.55 M USD
Jan 1, 2024
70.38 M USD
27.59 M USD
20.03 M USD
Jan 1, 2025
73.57 M USD
73.57 M USD
21.13 M USD

First Northern Community Bancorp Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 12, 2026, 6:02 PM
 
REVENUEM USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEM USD
Net Interest IncomeM USD
Non-Interest IncomeM USD
Loan Loss ProvisionsM USD
Pre-Provision Profit (PPOP)M USD
NET INCOMEM USD
NET INCOME GROWTH%
SHARESM
2010201120122013201420152016201720182019202020212022202320242025
39.0038.0037.0038.0037.0039.0043.0048.0052.0056.0056.0055.0062.0080.0084.0088.00
-4.88-2.56-2.632.70-2.635.4110.2611.638.337.69-1.7912.7329.035.004.76
76.9278.9586.4992.1189.1994.8793.0295.8394.2396.4392.86100.0096.7788.7583.3382.95
30.0030.0032.0035.0033.0037.0040.0046.0049.0054.0052.0055.0060.0071.0070.0073.00
26.3226.3126.4627.5929.5530.2934.8138.9444.3547.1347.3846.2654.7066.5464.3667.47
9.159.389.449.307.487.607.288.137.217.207.817.866.936.446.026.10
4.915.143.281.201.800.651.800.602.10-1.500.901.10-0.25
7.598.939.659.4410.4611.3114.7417.6719.3920.3916.6617.9322.5729.3427.5973.57
2.002.004.005.005.006.008.008.0012.0014.0012.0014.0015.0021.0020.0021.00
-300.00100.0025.0020.0033.3350.0016.67-14.2916.677.1440.00-4.765.00
23.882.5113.039.5010.2110.6811.1511.6312.2513.4213.4715.4915.6516.2616.5916.53
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales First Northern Community Bancorp generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue First Northern Community Bancorp retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare First Northern Community Bancorp's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares First Northern Community Bancorp has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against First Northern Community Bancorp's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

First Northern Community Bancorp stock margins

The First Northern Community Bancorp margin analysis displays the gross margin, EBIT margin, as well as the profit margin of First Northern Community Bancorp. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for First Northern Community Bancorp.
  • 3 Years

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  • Max

Cost-Income Ratio
Profit margin
Details
Date
Cost-Income Ratio
Profit margin
Jan 1, 2018
62.38 %
24.34 %
Jan 1, 2019
62.47 %
27.10 %
Jan 1, 2020
69.81 %
22.04 %
Jan 1, 2021
66.88 %
26.21 %
Jan 1, 2022
63.38 %
25.77 %
Jan 1, 2023
59.80 %
29.53 %
Jan 1, 2024
60.80 %
28.47 %
Jan 1, 2025
0.00 %
28.72 %

First Northern Community Bancorp Revenue per Share, Earnings per Share

The First Northern Community Bancorp earnings per share therefore indicates how much revenue First Northern Community Bancorp has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2018
4.01 USD
0.98 USD
Jan 1, 2019
3.86 USD
1.05 USD
Jan 1, 2020
3.90 USD
0.86 USD
Jan 1, 2021
3.33 USD
0.87 USD
Jan 1, 2022
3.75 USD
0.97 USD
Jan 1, 2023
4.28 USD
1.26 USD
Jan 1, 2024
4.04 USD
1.15 USD
Jan 1, 2025
4.24 USD
1.22 USD

First Northern Community Bancorp business model & stock analysis

First Northern Community Bancorp is a financial services company that has been operating in Northern California since 1910. The company is a holding company for First Northern Bank, which is known as a leading local bank in the Sacramento Valley. First Northern Community Bancorp offers a variety of financial products and services, including loans, savings accounts, credit cards, online banking, and cash management tools. Its goal is to meet the needs of both individual and business customers. The company is divided into four divisions: 1. Personal and Business Banking: This division offers products and services for individual customers as well as small and medium-sized businesses. These include business loans, mortgages, checking accounts, and savings accounts. 2. Wealth Management and Trust Services: This division offers services in asset management, estate planning, and trusts. It caters to affluent individual customers as well as corporate customers. 3. Residential and Commercial Real Estate Lending: This division deals with the financing of residential and commercial properties, as well as construction financing. 4. Support Services: This includes IT services, human resources, marketing, insurance, and financial consulting. These services support the other three divisions and increase operational efficiency. First Northern Community Bancorp is a publicly-traded company listed on the NASDAQ Capital Market. It is headquartered in Dixon, California and operates 10 locations in the Sacramento Valley. In 2020, the company took a series of measures to help its customers during the COVID-19 pandemic. These include flexible payment plans, loan extensions, and assistance in accessing government aid programs. First Northern Community Bancorp has established itself as a trusted financial partner, offering innovative products and services at the local level. The company is committed to promoting the growth of its customers while maintaining a strong balance sheet.

First Northern Community Bancorp SWOT Analysis

Strengths

First Northern Community Bancorp has several strengths that contribute to its competitive advantage:

  • Strong local presence and established reputation in the community
  • Robust portfolio of banking and financial services
  • Experienced management team with deep industry knowledge
  • Sound financial position and steady revenue growth
  • High customer satisfaction and loyalty

Weaknesses

However, First Northern Community Bancorp also faces certain weaknesses that could hinder its performance:

  • Limited geographical presence compared to larger national competitors
  • Relatively smaller scale of operations, which may limit economies of scale
  • Dependency on the local economy, making it vulnerable to regional downturns
  • Potential limitations in technology infrastructure compared to larger banks

Opportunities

First Northern Community Bancorp has opportunities that can be capitalized on for future growth:

  • Expanding into adjacent markets to increase market share
  • Introducing innovative digital banking solutions to attract tech-savvy customers
  • Partnering with local businesses to offer specialized financing options
  • Acquiring smaller regional banks to expand market reach
  • Forming strategic alliances with non-banking financial institutions

Threats

First Northern Community Bancorp faces certain threats that may pose challenges to its growth and profitability:

  • Intense competition from larger national and global banks
  • Rapidly evolving regulatory environment and compliance costs
  • Changing customer preferences towards online and mobile banking
  • Economic downturns and market uncertainties affecting loan demand
  • Cybersecurity risks and potential data breaches

First Northern Community Bancorp Employees

  • 3 Years

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  • Max

First Northern Community Bancorp Employees
Details
Date
First Northern Community Bancorp Employees
Jan 1, 2018
- Employees
Jan 1, 2019
- Employees
Jan 1, 2020
- Employees
Jan 1, 2021
- Employees
Jan 1, 2022
- Employees
Jan 1, 2023
- Employees
Jan 1, 2024
- Employees
Jan 1, 2025
- Employees

First Northern Community Bancorp Eulerpool Fair Value

Details

Fair Value Estimate

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

First Northern Community Bancorp historical P/E ratio, EBIT multiple, and P/S ratio

First Northern Community Bancorp annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

First Northern Community Bancorp shares outstanding

The number of shares of First Northern Community Bancorp was 17.36 M in 2025. This indicates how many shares First Northern Community Bancorp is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
  • 3 Years

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  • 25 Years

  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2018
12.87 M Stocks
Jan 1, 2019
14.09 M Stocks
Jan 1, 2020
14.14 M Stocks
Jan 1, 2021
16.26 M Stocks
Jan 1, 2022
16.43 M Stocks
Jan 1, 2023
17.07 M Stocks
Jan 1, 2024
17.42 M Stocks
Jan 1, 2025
17.36 M Stocks

First Northern Community Bancorp stock splits

In First Northern Community Bancorp's history, there have been no stock splits.
Price targets and forecasts for First Northern Community Bancorp are not yet available.

First Northern Community Bancorp shareholder structure

% Name
4.44216%
1st & Main Growth Partners
1st & Main Growth Partners
0.27720%
Spink (Kevin)
Spink (Kevin)
0.03461%
SEI Investments Management Corporation
SEI Investments Management Corporation
0.01250%
Bedoya (Richard)
Bedoya (Richard)
0.01063%
Mercer Global Investments Management Ltd
Mercer Global Investments Management Ltd

First Northern Community Bancorp Beneficial Ownership Filings (SEC 13D/G)

Free Float
72.7%
Float Shares
-
Shares Outstanding
-
StakeHolderFiling
7.96%
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First Northern Community Bancorp Executives and Management Board

13 members · avg. age 61 · 23 % women

JS

Mr. Jeremiah Smith (49)

President, Chief Executive Officer, Director · since 2011

831,346.00 USD

Management

KS

Mr. Kevin Spink (46)

Chief Financial Officer, Executive Vice President of the Bank and the Company

474,455.00 USD
BH

Mr. Brett Hamilton (47)

Executive Vice President, Chief Credit Officer

406,861.00 USD
DC

Ms. Devon Camara-Soucy

Vice President, Corporate Secretary

Board of Directors

SQ

Mr. Sean Quinn (68)

Independent Chairman of the Board

38,100.00 USD
LW

Ms. Louise Walker (64)

Director

37,600.00 USD
JC

Mr. John Carbahal (70)

Independent Director · since 2000

34,100.00 USD
BH

Ms. Barbara Hayes (61)

Independent Director

33,600.00 USD
GD

Mr. Gregory Dupratt (71)

Independent Director

32,600.00 USD
RM

Mr. Richard Martinez (69)

Independent Vice Chairman of the Board

30,600.00 USD

First Northern Community Bancorp Supply Chain

First Northern Community Bancorp Supply Chain

Correlation: how closely stock prices move together

Same directionNo relationOpposite
1 companies
#NameTrend
1
Raymond James Fincl
Supplier·Capital Markets·US
-0.14
0.71
0.08
-0.35
-0.12

Frequently asked questions about First Northern Community Bancorp

First Northern Community Bancorp operates as a community bank, providing a range of financial services to individuals, businesses, and organizations in Northern California. The company's business model is focused on offering personalized banking solutions and building strong relationships with customers. First Northern Community Bancorp offers a comprehensive suite of banking products and services, including checking and savings accounts, loans, mortgages, and investment options. By prioritizing the needs of the community, the company aims to foster economic growth and support local businesses. With a customer-centric approach, First Northern Community Bancorp strives to be the financial partner of choice for individuals and businesses in the region.

First Northern Community Bancorp is primarily active in the financial services industry.

The main competitors of First Northern Community Bancorp in the market include larger regional banks such as Bank of America, Wells Fargo, and U.S. Bancorp. These competitors have a wider geographic reach and offer a diverse range of financial services. However, First Northern Community Bancorp distinguishes itself by focusing on personalized customer service, local community involvement, and a strong emphasis on supporting the needs of small businesses and local residents. Despite facing competition from these larger banks, First Northern Community Bancorp has maintained a loyal customer base and continues to serve its community with dedication and commitment.

First Northern Community Bancorp is a leading financial institution with a rich history and strong community roots. Founded in 1910, the company has been serving the community for over a century. As a locally-owned and operated bank, First Northern Community Bancorp prides itself on providing personalized and reliable banking services to individuals, businesses, and organizations. With a commitment to community development, the company focuses on fostering economic growth and improving the financial well-being of its customers. First Northern Community Bancorp continues to be a trusted financial partner, offering a range of banking solutions tailored to meet the diverse needs of its clients.

First Northern Community Bancorp has achieved several significant milestones. They have consistently displayed strong financial performance, reflecting their commitment to delivering value to shareholders. The company expanded its operations by opening new branches in strategic locations, enhancing their accessibility to customers. First Northern Community Bancorp also received multiple accolades for their exceptional customer service, further reinforcing their position as a trusted financial institution. Additionally, the company implemented innovative technologies, ensuring seamless and convenient banking solutions for their clients. Through their continuous growth and dedication to excellence, First Northern Community Bancorp remains a leading and respected name in the stock market.

First Northern Community Bancorp is primarily present in the United States. They serve customers in various regions across California, including Yolo, Solano, and Sacramento counties. With a strong local presence, First Northern Community Bancorp focuses on providing personalized banking services to individuals, businesses, and communities in these areas. They strive to strengthen local economies by supporting local businesses and investing in the growth and prosperity of their communities.

First Northern Community Bancorp represents a set of core values and a corporate philosophy rooted in community, integrity, and excellence. With a commitment to serving the local community, the company focuses on building and maintaining strong relationships with its customers, employees, and shareholders. First Northern Community Bancorp values honesty, trust, and transparency, ensuring ethical decisions and practices. By providing exceptional customer service and tailored financial solutions, the company strives to be a trusted partner in the community's financial growth and success. Their dedication to responsible banking and a personalized approach makes First Northern Community Bancorp a reliable choice for individuals and businesses seeking financial support.

Converted at the current exchange rate, the First Northern Community Bancorp share trades at 15.03 EUR (17.34 USD).

First Northern Community Bancorp is a financial services company based in California that offers a comprehensive range of products and services tailored to the needs of retail customers, small and medium-sized enterprises, and the public sector. The company divides its business into various divisions, including deposits, loans, credit cards, mortgages, asset management, and online banking. Deposit products include checking accounts, savings accounts, money market accounts, and certificates, all offering flexible options and competitive interest rates. The loans department provides various options, including personal loans, business loans, mortgages, and auto loans, with a team of experts assisting in the loan application process and offering customized solutions. The bank also offers a variety of credit and debit cards designed for both individual and business customers, with rewards programs such as cashback or loyalty programs. In terms of mortgages, the bank provides competitive interest rates and a range of term options, specializing in serving the needs of retail customers and small businesses. The company's asset management division offers a wide range of services, including investment advice, asset management, and wealth analysis, allowing customers to create individual portfolios and access various investment options. First Northern Community Bancorp also offers online banking services, allowing customers to manage their accounts and transactions, access deposit accounts, credit accounts, debit cards, and mortgages, view account statements, and perform online transfers and bill payments. In summary, First Northern Community Bancorp is a financial services company specializing in serving the US West Coast market, offering a comprehensive range of deposit, loan, credit card, mortgage, asset management, and online banking services to a wide range of customers, both retail and corporate.

The revenue cannot currently be calculated for First Northern Community Bancorp.

The profit cannot currently be calculated for First Northern Community Bancorp.

The P/E ratio cannot be calculated for First Northern Community Bancorp at the moment.

The P/S cannot be calculated for First Northern Community Bancorp currently.

The Eulerpool Quality Score for First Northern Community Bancorp is 7/10.

The ISIN of First Northern Community Bancorp is US3359251036. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of First Northern Community Bancorp is A0YG2A. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of First Northern Community Bancorp is FNRN. The ticker symbol is used to trade First Northern Community Bancorp shares on the stock exchange.

First Northern Community Bancorp paid dividends every year for the past 0 years.

First Northern Community Bancorp is assigned to the 'Finance' sector.

The dividends of First Northern Community Bancorp are distributed in USD.