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First Northern Community Bancorp(NASDAQ) FNRN

Market Cap$286.92MMarket 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)+1,001%
5 Year+106%
1 Year+57%
1 Month-2%
$17.49
+0.29%
+0.05Today
After hours$17.50+$0.01 (+0.06%)
First Northern Community Bancorp last closing stock price
MetricPriceDate
Last closeUSD 17.502026-08-21
First Northern Community Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.28%USD 17.552026-08-14
1 month-1.74%USD 17.812026-07-22
3 month+0.4%USD 17.432026-05-22
Year to date+37.54%USD 12.722025-12-31
1 year+57.05%USD 11.142025-08-21
3 year+115.52%USD 8.122023-08-18
5 year+105.85%USD 8.502021-08-18
Since inception+1,000.62%USD 1.591996-03-11

First Northern Community Bancorp Financials at a Glance

Market Cap

$286.92MMarket 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)

$1.35

P/E Ratio

12.95

Dividend

$0.00

Beta (Volatility)

0.03 (Low)

Price

$17.49

Volume

197,121

Open

$17.50

Previous Close

$17.50

Daily Range

$17.36 - $17.59

52-Week Range

$11.30 - $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 Community Bancorp helps locals manage their money. It provides bank accounts to keep cash safe for families. The company also lends money to help local businesses grow.

Banking for the Sacramento Valley

  • Lending Services: Commercial, agricultural, and residential mortgage loans for businesses and individuals.
  • Deposit Products: Interest-paying savings accounts and standard checking accounts for everyday banking needs.
  • Wealth Management: Investment and brokerage services combined with fiduciary and merchant processing tools.
  • Agricultural Support: Specialized lending programs tailored to the needs of local farmers.

Building a Broader Business

  • Acquired the Beacon Wealth client base in the fourth quarter of 2025 to increase investment income.
  • Purchased investment tax credits for alternative energy projects during 2025 and 2026.
  • Increased the number of full-time equivalent employees during the six months ended June 30, 2026.
  • Maintained a branch network across 14 cities in Northern California to reach local customers.

Local Focus and Low Costs

The company operates primarily in the Sacramento Valley region of Northern California. It generates net interest income, which is the difference between interest earned on loans and interest paid to depositors. Most funding comes from local checking accounts that do not pay interest to customers.

Tracking Recent Performance

  • Net income was $10.6 million for the six months ended June 30, 2026, up 16.4% year over year.
  • Total assets reached $1.9 billion as of June 30, 2026, up 0.8% from Dec. 31, 2025.
  • Net interest income was $34.2 million for the six months ended June 30, 2026, up 4.0% year over year.
  • Total deposits reached $1.7 billion as of June 30, 2026, up 0.8% from Dec. 31, 2025.

A Century of Regional Banking

First Northern has transitioned from a local community bank into a regional provider with diversified wealth management services. Its stability is supported by a large base of local deposits and a growing loan portfolio.

AI Generated • Aug 10, 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

10.68%

Return on Capital

12.58%

Return on Assets

1.17%

Earnings Yield

7.72%

Dividend Yield

0.00%

Payout Ratio

0.04%

Stock Overview

Market Cap

$286.92MMarket 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

16.40M

Volume

197.12K

Avg. Volume

202.54K

Financials (TTM)

Gross Profit

$74.48M

Operating Income

$28.68M

EBITDA

$30.73M

Operating Cash Flow

$8.68M

Capital Expenditure

-$2.33M

Free Cash Flow

$6.35M

Cash & ST Invst.

$732.37M

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

$286.92MMarket 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

$1.41M

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

$732.37M

+33.6%

Total Debt

$0.00

-100.0%

Accounts Receivable

$8.06M

N/A

Inventory

$0.00

N/A

Long Term Debt

$5.13M

+95.0%

Short Term Debt

$550.00K

+4.0%

Return on Assets

1.17%

N/A

Return on Invested Capital

1.49%

N/A

Free Cash Flow

$2.91M

+31.7%

Operating Cash Flow

$3.47M

+36.4%

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Questions About FNRN

What is the current price of First Northern Community Bancorp?

First Northern Community Bancorp is trading at $17.50 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 $11.30 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 $5.68M.

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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