📊 FNRN Key Takeaways
Is First Northern Community Bancorp (FNRN) a Good Investment?
First Northern Community Bancorp demonstrates solid fundamental strength with strong revenue growth (+22.0% YoY) and healthy profitability metrics including a 25.7% net margin. The bank maintains a fortress balance sheet with zero long-term debt, excellent liquidity position, and positive free cash flow generation, though modest ROA of 1.1% and moderate ROE of 10.0% suggest room for efficiency improvement.
First Northern Community Bancorp shows solid core fundamentals, with strong revenue growth, healthy profitability, and balance-sheet conservatism supported by zero long-term debt. Net income and EPS are still growing, while a 10.0% ROE and 1.1% ROA suggest competent capital deployment for a community banking model. The main limitation is that earnings growth trails revenue growth, which implies margin expansion may be moderating and future performance will depend on sustaining credit quality and deposit strength.
Why Buy First Northern Community Bancorp Stock? FNRN Key Strengths
- Strong revenue growth of 22.0% YoY demonstrates expanding customer base and business momentum
- Fortress balance sheet with zero long-term debt and substantial cash reserves of $145.6M provides financial flexibility
- Healthy profitability with 25.7% net margin and 33.3% operating margin indicating efficient operations
- Positive free cash flow generation of $5.2M supports dividend capacity and future investments
- High interest coverage ratio of 8.6x demonstrates strong ability to service obligations
- Revenue grew 22.0% year over year, indicating strong top-line momentum
- Profitability is healthy with 33.3% operating margin, 25.7% net margin, 10.0% ROE, and 1.1% ROA
- Balance sheet appears conservative with $145.55M in cash and equivalents and no long-term debt
FNRN Stock Risks: First Northern Community Bancorp Investment Risks
- Low ROA of 1.1% and ROE of 10.0% suggest asset utilization and profitability challenges typical of community banks
- Modest operating cash flow of $6.9M relative to $1.9B total assets indicates limited cash generation efficiency
- Net income growth of only 5.5% YoY significantly lags revenue growth of 22%, suggesting operational leverage deterioration or margin compression
- OTC exchange listing indicates limited liquidity and analyst coverage compared to larger regional banks
- Elevated insider activity with 11 Form 4 filings in 90 days warrants monitoring for potential concerns
- Net income growth of 5.5% lags revenue growth, suggesting incremental pressure on efficiency or funding costs
- Operating cash flow is modest relative to net income, which weakens cash conversion quality on the reported figures
- Bank-specific risk indicators such as credit losses, nonperforming assets, and deposit mix are not provided, limiting visibility into downside risk
Key Metrics to Watch
- Net interest margin (NIM) trend to assess profitability sustainability
- Loan loss provisions and non-performing loan ratios for credit quality assessment
- Deposit growth and funding cost trends to evaluate margin resilience
- Capital adequacy ratios to ensure regulatory compliance and lending capacity
- Operating efficiency ratio to track cost management relative to revenue
- Net interest margin and funding cost trends
- Credit quality metrics including nonperforming assets and loan loss provisions
First Northern Community Bancorp (FNRN) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
FNRN Profit Margin, ROE & Profitability Analysis
FNRN vs Finance Sector: How First Northern Community Bancorp Compares
How First Northern Community Bancorp compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is First Northern Community Bancorp Stock Overvalued? FNRN Valuation Analysis 2026
Based on fundamental analysis, First Northern Community Bancorp has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
First Northern Community Bancorp Balance Sheet: FNRN Debt, Cash & Liquidity
FNRN Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: First Northern Community Bancorp's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $1.19 reflects profitable operations.
FNRN Revenue Growth, EPS Growth & YoY Performance
First Northern Community Bancorp Dividends, Buybacks & Capital Allocation
FNRN SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for First Northern Community Bancorp (CIK: 0001114927)
📋 Recent SEC Filings
❓ Frequently Asked Questions about FNRN
What is the AI rating for FNRN?
First Northern Community Bancorp (FNRN) has a Combined AI Rating of BUY from Claude (BUY) and ChatGPT (BUY) with 74% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are FNRN's key strengths?
Claude: Strong revenue growth of 22.0% YoY demonstrates expanding customer base and business momentum. Fortress balance sheet with zero long-term debt and substantial cash reserves of $145.6M provides financial flexibility. ChatGPT: Revenue grew 22.0% year over year, indicating strong top-line momentum. Profitability is healthy with 33.3% operating margin, 25.7% net margin, 10.0% ROE, and 1.1% ROA.
What are the risks of investing in FNRN?
Claude: Low ROA of 1.1% and ROE of 10.0% suggest asset utilization and profitability challenges typical of community banks. Modest operating cash flow of $6.9M relative to $1.9B total assets indicates limited cash generation efficiency. ChatGPT: Net income growth of 5.5% lags revenue growth, suggesting incremental pressure on efficiency or funding costs. Operating cash flow is modest relative to net income, which weakens cash conversion quality on the reported figures.
What is FNRN's revenue and growth?
First Northern Community Bancorp reported revenue of $82.3M.
Does FNRN pay dividends?
First Northern Community Bancorp pays dividends, with $7.5M distributed to shareholders in the trailing twelve months.
Where can I find FNRN SEC filings?
Official SEC filings for First Northern Community Bancorp (CIK: 0001114927) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is FNRN's EPS?
First Northern Community Bancorp has a diluted EPS of $1.27.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is FNRN a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, First Northern Community Bancorp has a BUY rating with 74% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is FNRN stock overvalued or undervalued?
Valuation metrics for FNRN: ROE of 10.0% (sector avg: 12%), net margin of 25.7% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy FNRN stock in 2026?
Our dual AI analysis gives First Northern Community Bancorp a combined BUY rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is FNRN's free cash flow?
First Northern Community Bancorp's operating cash flow is $6.9M, with capital expenditures of $1.7M. FCF margin is 6.3%.
How does FNRN compare to other Finance stocks?
Vs Finance sector averages: Net margin 25.7% (avg: 25%), ROE 10.0% (avg: 12%), current ratio N/A (avg: 1.2).