NCM · Banks - Regional

FNRN (FNRN) Stock

$18.80 +1.62% NCM: FNRN Financial Services

Valuation

MetricValue
Price$18.80
Market Cap$308.45M
P/E Ratio13.42
P/B Ratio1.37
P/S Ratio3.31
EPS (TTM)$1.32
52-Week High$18.80
52-Week Low$9.24
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE9.91%
ROA1.10%
ROCE12.74%
Gross Margin30.68%
Operating Margin30.68%
Net Margin26.67%
Debt/Equity0.03
Current Ratio146.00

Annual Financials (USD)

Metric20212022202320242025
Revenue$55.0M$63.0M$81.0M$85.0M$88.0M
Operating Profit$19.0M$22.0M$30.0M$28.0M$27.0M
Net Profit$14.0M$16.0M$22.0M$20.0M$21.0M
EPS$0.90$0.94$1.28$1.18$1.32
Op Margin35.3%34.5%36.8%32.9%31.0%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$1.9B$1.9B$1.9B$1.9B$1.9B
Total Liabilities$1.7B$1.7B$1.7B$1.7B$1.7B
Cash$359.0M$208.0M$169.0M$136.0M$146.0M
Borrowings$11.0M$10.0M$8.0M$6.0M$6.0M

Latest News

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Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$25.0M$22.0M$27.0M$20.0M$7.0M
Investing Cash Flow$-187.0M$-179.0M$82.0M$-54.0M$43.0M
Financing Cash Flow$245.0M$-2.0M$-149.0M$4.0M$-26.0M
Net Cash Flow$79.0M$-159.0M$-38.0M$-30.0M$26.0M
Free Cash Flow$24.0M$21.0M$26.0M$19.0M$5.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y79.50%
Return 3Y153.41%
Return 5Y110.93%

Ownership

Insiders Held9.38%
Institutions Held26.30%
Institutions Float Held29.02%
Institutional HolderSharesReport Date
BANC FUNDS CO LLC234,1812026-03-31
PL Capital Advisors, LLC38,3252026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AAPLApple Inc. $313.33 +0.29% 37.72 $4.60T 0.34%
MSFTMicrosoft Corporation $499.99 +0.03% 22.95 $3.71T 0.94%
GOOGLAlphabet Inc. $354.30 -0.96% 27.68 $4.29T 0.23%
AMZNAmazon.com, Inc. $274.48 +0.82% 28.76 $2.95T 0.00%
METAMeta Platforms, Inc. $592.10 +0.37% 21.47 $1.51T 0.35%

About FNRN

FNRN is led by CEO Jeremiah Z. Smith, employs 187 people, headquartered in US, publicly traded since 1999.

FNRN stock trades at $18.80 with a market capitalization of $308.45M. The stock is valued at a price-to-earnings (P/E) ratio of 13.42, price-to-book of 1.37, price-to-sales of 3.31. Over the past 52 weeks the stock has ranged between $9.24 and $18.80, and currently trades at its 52-week high.

On profitability, FNRN generates a return on equity (ROE) of 9.91%, return on capital employed of 12.74%, an operating margin of 30.68%, a net profit margin of 26.67%.

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