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First Northern Community Bancorp(NASDAQ) FNRN

Market Cap$292.21MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1996)+1,020%
5 Year+108%
1 Year+67%
1 Month+1%
$17.91
-1.49%
-0.27Today
First Northern Community Bancorp last closing stock price
MetricPriceDate
Last closeUSD 17.812026-08-06
First Northern Community Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-2.36%USD 18.242026-07-30
1 month+0.62%USD 17.702026-07-07
3 month+0.28%USD 17.762026-05-08
Year to date+39.97%USD 12.722025-12-31
1 year+67.42%USD 10.642025-08-06
3 year+123.13%USD 7.982023-08-07
5 year+108.35%USD 8.552021-08-06
Since inception+1,020.11%USD 1.591996-03-11

First Northern Community Bancorp Financials at a Glance

Market Cap

$292.21MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$89.74M

Net Income (TTM)

$22.63M

EPS (TTM)

$1.36

P/E Ratio

13.14

Dividend

$0.00

Beta (Volatility)

0.03 (Low)

Price

$17.91

Volume

2

Open

$18.12

Previous Close

$17.81

Daily Range

$17.80 - $18.24

52-Week Range

$10.56 - $19.25

Estimated Earnings Date

Oct 28, 2026

FNRN News

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First Northern (FNRN) Q2 Net Jumps 24%

Motley Fool Markets TeamJul 31, 2025

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About First Northern Community Bancorp

First Northern helps people and businesses manage money and access loans. It offers checking accounts, savings, and business loans for local needs. Its services support daily banking and help small businesses grow in Northern California.

Banking, But Make It Local: Products and Services

  • Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses (revenue breakdown not disclosed).
  • Loan Products: Commercial, real estate, agriculture, mortgage, construction, and consumer loans for local borrowers (revenue breakdown not disclosed).
  • Investment and Brokerage: Access to investment products and financial planning through third-party partners (revenue breakdown not disclosed).
  • Business Services: Equipment leasing, payroll, merchant card processing, and international banking for small and medium businesses (revenue breakdown not disclosed).
  • Other Banking Services: Credit cards, cashier’s checks, and safe deposit box rentals for everyday needs (revenue breakdown not disclosed).

Branching Out: Growth and Expansion Moves

  • Expanded to eleven full-service branches across Northern California (timeline not specified).
  • Opened a residential mortgage loan office in Davis and a commercial loan office in Walnut Creek (timeline not specified).
  • Launched partnerships for investment, brokerage, and international banking services (timeline not specified).
  • Started a stock repurchase program effective May 1, 2024, with 328,089 shares still authorized as of June 30, 2025.
  • Declared a 5% stock dividend in January 2025, paid in March 2025.

What Makes First Northern Stand Out

First Northern focuses on community banking, serving local individuals and businesses. Its conservative risk profile and strong capital ratios support stability. The company offers a broad range of services through local branches and third-party partnerships.

Five Things You Need to Know

  • Total revenue was $22 million in Q2 2025, up 3.8% year-over-year.
  • Net income reached $5 million in Q2 2025, up 23.6% from Q2 2024.
  • Total assets were $1.87 billion as of June 30, 2025, down 1% from December 2024.
  • Loan portfolio totaled $1.06 billion as of June 30, 2025, up 1.6% from December 2024.
  • Return on average equity was 11.67% in Q2 2025, up from 10.87% in Q2 2024.

Bottom Line

First Northern has grown by focusing on local banking and steady financial management. Its diversified services and conservative approach support long-term stability in a regional market.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

204

CEO

Jeremiah Z. Smith, CPA

Website

www.thatsmybank.com

Headquarters

Dixon, CA 95620, US

FNRN Financials

Key Financial Metrics (TTM)

Gross Margin

82.99%

Operating Margin

31.96%

Net Income Margin

25.21%

Return on Equity

10.96%

Return on Capital

12.58%

Return on Assets

1.18%

Earnings Yield

7.61%

Dividend Yield

0.00%

Payout Ratio

0.04%

Stock Overview

Market Cap

$292.21MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

16.41M

Volume

2

Avg. Volume

191.99K

Financials (TTM)

Gross Profit

$74.48M

Operating Income

$28.68M

EBITDA

$30.73M

Operating Cash Flow

$7.76M

Capital Expenditure

-$2.10M

Free Cash Flow

$5.65M

Cash & ST Invst.

$578.58M

Total Debt

$0.00

First Northern Community Bancorp Performance Analysis

First Northern Community Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 62,815,00014.1%
20232023-12-31USD 80,563,00028.3%
20242024-12-31USD 84,671,0005.1%
20252025-12-31USD 88,404,0004.4%
First Northern Community Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-0.6%
Q42025-12-316.7%
Q12026-03-31-3.4%
Q22026-06-301.0%
First Northern Community Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 0.909.7%
20232023-12-31USD 1.2135.0%
20242024-12-31USD 1.13-7.1%
20252025-12-31USD 1.217.7%
First Northern Community Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-308.6%
Q42025-12-31-5.3%
Q12026-03-31N/A
Q22026-06-30-19.4%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$22.57M

+3.4%

Gross Profit

$18.17M

-0.2%

Gross Margin

80.50%

N/A

Market Cap

$292.21MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.43M

N/A

Employees

204

N/A

Net Income

$4.73M

-13.5%

EBITDA

$6.22M

-24.7%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$578.58M

+2.5%

Total Debt

$0.00

N/A

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$0.00

N/A

Short Term Debt

$0.00

N/A

Return on Assets

1.18%

N/A

Return on Invested Capital

12.48%

N/A

Free Cash Flow

$3.76M

+13.0%

Operating Cash Flow

$4.25M

+24.4%

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Questions About FNRN

What is the current price of First Northern Community Bancorp?

First Northern Community Bancorp is trading at $17.81 per share.

What is the 52-week range for First Northern Community Bancorp?

Over the past 52 weeks, First Northern Community Bancorp has traded between $10.56 and $19.25.

How much debt does First Northern Community Bancorp have?

As of the most recent reporting period, First Northern Community Bancorp reported total debt of $5.57M.

How much cash does First Northern Community Bancorp have on hand?

First Northern Community Bancorp does not have cash on hand data available.

What is First Northern Community Bancorp’s dividend yield?

First Northern Community Bancorp does not currently have a dividend yield.

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