First Northern Community Bancorp
FNRN Nasdaq· Savings Institution, Federally Chartered
Last close · Oct 26, 2026
$16.80
KIRA · Stoqly’s AI analyst, in plain words
- First Northern Community Bancorp had $73.6M of revenue in fiscal 2025, up 4.5% on the year before. Over five years, revenue changed +5.9% a year on average.
- First Northern Community Bancorp made $21.1M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 7.5% a year.
- First Northern Community Bancorp returned $12.3M to shareholders in fiscal 2025, 236% of free cash flow. The diluted share count fell 1.9%.
- It earned 10.9% on shareholders’ money. Running costs took 62.7% of revenue (the efficiency ratio; lower is better).
Market cap
$277M
P/E
12.3x
Revenue
$73.6M
Net income
$21.1M
Return on equity
10.9%
Efficiency ratio
62.7%
First Northern Community Bancorp in 30 seconds · fiscal 2025
Are sales growing?
+4.5%
Only a little. Sales grew 4.5% last year.
Does it make a profit?
28.7%
Yes. It keeps 28.7% of every sale as profit.
How lean are its costs?
62.7%
Average. Running costs take 62.7% of revenue.
How much does it earn on its capital?
10.9%
Fair. It earns 10.9% a year on shareholders’ money.
How is the share priced?
12.3x
One share costs 12.3 times its yearly profit per share.
What First Northern Community Bancorp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 13, 2026
- Legal name
- FIRST NORTHERN COMMUNITY BANCORP
- CIK
- 0001114927
First Northern Community Bancorp · FNRN
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $54.1M | $61.6M | $74.4M | $70.4M | $73.6M |
| Revenue growth | −1.9% | 13.9% | 20.7% | −5.4% | 4.5% |
| Net interest income | $46.3M | $54.7M | $66.5M | $64.4M | $67.5M |
| Net income | $14.2M | $15.9M | $21.6M | $20.0M | $21.1M |
| Net margin | 26.2% | 25.8% | 29.0% | 28.5% | 28.7% |
| Diluted EPS | $0.95 | $1.04 | $1.34 | $1.19 | $1.27 |
| Cash | |||||
| Cash from operations | $25.3M | $21.8M | $27.3M | $19.5M | $6.9M |
| Capital expenditure | $0.8M | $0.3M | $1.2M | $0.3M | $1.7M |
| Free cash flow | $24.5M | $21.4M | $26.1M | $19.2M | $5.2M |
| FCF margin | 45.2% | 34.8% | 35.1% | 27.3% | 7.1% |
| Dividends paid | — | — | — | $6.4M | $7.5M |
| Share buybacks | $5.4M | $0.2M | $0.1M | $3.8M | $4.7M |
| Share count change | 4.8% | 2.2% | 5.4% | 5.0% | −1.9% |
| Debt and strength | |||||
| Cash and short-term investments | $346M | $187M | $149M | $119M | $146M |
| Debt incl. finance leases | $0.0M | — | — | $0.0M | $0.0M |
| Loans, net | — | — | — | $1.0B | $1.1B |
| Deposits | $1.7B | $1.7B | $1.7B | $1.7B | $1.7B |
| Shareholders' equity | $151M | $125M | $159M | $176M | $212M |
| Returns and quality | |||||
| Return on equity | 9.4% | 11.5% | 15.2% | 11.9% | 10.9% |
| Return on tangible equity | 9.4% | 12.7% | 13.9% | 11.6% | 10.2% |
| Efficiency ratio | 66.9% | 63.4% | 58.7% | 60.8% | 62.7% |
| Piotroski F-score | 4 | — | — | — | 5 |
Insiders bought, 12 months
$0.1M
3 insiders
Insiders sold, 12 months
$0.6M
4 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
First Northern Community Bancorp · FNRN
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $16.80 a share, the company is worth $277M: 12.3 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001114927). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.