First Northern Community Bancorp (FNRN) Stock Price Quote,…

Summary

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.

Website

www.thatsmybank.com

Location

Dixon, CA, US

Phone707 678 3041

Employees204

CEOJeremiah Z. Smith

Sector

Financials

Industry

Banks

IPO DateJan 5, 1999

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Company overview

Business model, segments, and competition.

Peer comparison

Metrics vs closest competitors.

Guidance & outlook

Forward guidance and assumptions.

Bull vs bear case

Upside drivers and key risks.

Valuation snapshot

Multiples vs history and peers.

Competitive moat

Defensibility and market position.

Management track record

Leadership and capital allocation history.

How it makes money

A short diagram of the business model.

Latest Documents

Mentions in Filings

… han 1.00%, and noninterest expense / average assets greater than 2.25%, with all criteria applied to the twelve months ended December 31, 2025, but excluded announced merger targets, mutual holding companies, First Northern Community Bancorp (due to uplisting to the NASDAQ exchange after the 2025 calendar year), and Avidia Bancorp, Inc., FB Bancorp, Inc., and SR Bancorp, Inc. due to mutual conversions within the last 5 years (since January 1, 202 …
BANNER CORPFirst Northern Community Bancorp·424B3 - Prospectus filing (Rule 424(b)(3))·Q2 26·16 Jun
… han 1.00%, and noninterest expense / average assets greater than 2.25%, with all criteria applied to the twelve months ended December 31, 2025, but excluded announced merger targets, mutual holding companies, First Northern Community Bancorp (due to uplisting to the NASDAQ exchange after the 2025 calendar year), and Avidia Bancorp, Inc., FB Bancorp, Inc., and SR Bancorp, Inc. due to mutual conversions within the last 5 years (since January 1, 202 …
BANNER CORPFirst Northern Community Bancorp·S-4/A - Registration statement (business combination, amendment)·Q2 26·15 Jun
… 141 | | | Chemung Financial Corp. | 121,122 | 9,033 | | | First Community Corp. | 268,181 | 8,764 | | \* | Octave Specialty Group Inc. | 1,384,276 | 8,638 | | | First United Corp. | 195,054 | 8,604 | | \*,1 | First Northern Community Bancorp | 468,200 | 8,400 | | \* | Onity Group Inc. | 210,493 | 8,367 | | | Franklin Financial Services Corp. | 133,496 | 8,357 | | 1 | FVCBankcorp Inc. | 476,086 | 8,332 | | \* | First Western Financial Inc. | 259,4 …
バンガード・インデックス・ファンズFirst Northern Community Bancorp·Interim Report - Semi-Annual Report (2026.01.01-2026.12.31)·30 Sep·29 Sep
… | | | | | --- | --- | --- | | | South Atlantic Bancshares, Inc. (SC) Tri City Bankshares Corporation (WI) First Northern Community Bancorp (CA) Eagle Financial Services, Inc. (VA) Embassy Bancorp, Inc. (PA)(1) National Bankshares, Inc. (VA) Peoples Bancorp of North Carolina, Inc. (NC) CB Financial Services, Inc. (PA) White River Bancshares Co (AR) SB Financial Group, Inc. (OH) Solera National Bancorp, Inc. (CO) United Bancshares, Inc. (OH) F&M …
HBT Financial, Inc.First Northern Community Bancorp·424B3 - Prospectus filing (Rule 424(b)(3))·Q3 26·18 Sep
… | | | | | --- | --- | --- | | | South Atlantic Bancshares, Inc. (SC) Tri City Bankshares Corporation (WI) First Northern Community Bancorp (CA) Eagle Financial Services, Inc. (VA) Embassy Bancorp, Inc. (PA)(1) National Bankshares, Inc. (VA) Peoples Bancorp of North Carolina, Inc. (NC) CB Financial Services, Inc. (PA) White River Bancshares Co (AR) SB Financial Group, Inc. (OH) Solera National Bancorp, Inc. (CO) United Bancshares, Inc. (OH) F&M …
HBT Financial, Inc.First Northern Community Bancorp·S-4/A - Registration statement (business combination, amendment)·Q3 26·14 Sep
… | Mattoon | IL | $ | 9,210 | | 88 | | Dec | | $ | 52.49 | $ | 1,396 | | FXNC | First National Corporation | NASDAQCM | SE | Strasburg | VA | $ | 2,076 | | 36 | | Dec | 9/7/83 | $ | 31.89 | $ | 288 | | FNRN | First Northern Community Bancorp | NASDAQCM | WE | Dixon | CA | $ | 1,926 | | 16 | | Dec | | $ | 18.37 | $ | 301 | | FNWB | First Northwest Bancorp | NASDAQGM | WE | Port Angeles | WA | $ | 2,125 | | 14 | | Dec | 1/29/15 | $ | 11.29 | $ | 10 …
Hometown Financial Group, Inc./MDFirst Northern Community Bancorp·EX-99.3 - S-1 - Registration statement (general form)·Q3 26·10 Sep

Key Stats

Trading

Px/Chg 1D$17.76 / -0.12%

Avg Volume88.08K

Beta0.13

Mkt Cap291.36M

FD Mkt Cap280.23M

Float

Shrs Out/Float16.41M / 11.91M

Short Float0.04%

Days to Cover1.00

Stock Repurchased$1.15M

Current Valuation

EV151.77M

EV/EBITDA4.63

EV/Sales1.71

P/B1.36

P/S3.27

FCF Yield1.29%

ROE2.76%

ROA0.31%

Current Ratio0.45

Estimates

P/E12.47

Est P/E0.00

Est EPS0.00

Est PEG0.00

Valuation

Metric	5Yr Avg	May '23	May '24	May '25	May '26	Oct '26
PRICE-BASED RATIOS
Price / Earnings	23.38	6.28	6.29	7.81	47.19	49.33
Price / Sales	6.07	1.59	1.68	1.85	12.19	13.04
Price / Book Value	1.05	0.80	0.85	0.89	1.33	1.36
Price / Free Cash Flow	26.97	4.66	5.22	8.16	39.24	77.57
ENTERPRISE VALUE METRICS
Enterprise Value	39.5	-98.4	-25.3	27.3	142.3	151.8
Enterprise Value / Sales	2.28	-1.57	-0.31	0.32	6.15	6.79
Enterprise Value / EBITDA	5.84	-4.18	-0.78	0.00	15.91	18.24
Enterprise Value / EBIT	4.40	-4.54	-0.85	-9.76	17.21	19.94

Financials

Full Financials

Millions USD	5Yr CAGR (%)	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
INCOME STATEMENT
Revenue	12.6%	55.0	62.8	80.6	84.7	88.4
Gross Income	7.2%	55.6	60.7	71.9	70.6	73.6
EBITDA	8.4%	21.3	23.5	32.6	-	29.3
EBIT	9%	19.4	21.7	29.6	-2.8	27.4
Net Income	10.5%	14.2	15.9	21.6	20.0	21.1
EPS (Diluted)	10%	0.90	0.94	1.28	1.18	1.32
BALANCE SHEET
Cash & ST Inv	-12.7%	991.4	826.5	741.3	562.7	574.6
Total Assets	15.6%	1,899.1	1,871.4	1,871.8	1,891.7	1,911.0
Total Liabilities	-71.2%	1,748.2	1,746.3	1,712.6	1,715.4	1,698.9
Total Shareholder Equity	8.9%	150.9	125.0	159.2	176.3	212.0
CASH FLOW
Net Operating Cash Flow	-27.7%	25.3	21.8	27.2	19.5	6.9
Cap Ex	20.6%	-0.8	-0.3	-1.2	-0.3	-1.7
Free Cash Flow	-32.1%	24.5	21.4	26.0	19.2	5.2

Enterprise Value Bridge

Millions USD		13 Nov '26
Price (As of 13 Nov '26)		17.27
Basic Shares		16.41
Market Cap		283.3
Diluted Shares		16.48
Fully Diluted Shares Outstanding		16.48
Fully Diluted Market Cap		284.6
+Consolidated Debt		-
−In-the-Money Convertible Debt		—
+Capital Leases		-
+Operating Leases		—
−Cash & Equivalents		-123.2
−Short-term Investments		-620.3
+Total Preferred		-
−In-the-Money Convertible Preferred		—
−Investments in Unconsolidated Subs		—
+Non-Controlling Interest		-
+Pension Liabilities		—
Enterprise Value		160.2

Segment data

Revenue

by Products and services

Debit Card62%
Deposit Account38%

Related companies

Summary

Website

www.thatsmybank.com

Location

Dixon, CA, US

Phone707 678 3041

Employees204

CEOJeremiah Z. Smith

Sector

Financials

Industry

Banks

IPO DateJan 5, 1999