What is First Northern Community Bancorp (FNRN) stock price today?

First Northern Community Bancorp (FNRN) is currently trading at $16.05, down 7.23% today.

What is FNRN P/E ratio?

First Northern Community Bancorp's P/E ratio is 12.52. This is below the market average, suggesting the stock may be undervalued relative to earnings.

What is FNRN return on equity (ROE)?

First Northern Community Bancorp's return on equity (ROE) is 10.68%, indicating how efficiently the company generates profit from shareholders' equity. This is below the typical market average of 12-15%.

What is First Northern Community Bancorp's market cap?

First Northern Community Bancorp has a market capitalization of $263.33M.

NCM · Banks - Regional

First Northern Community Bancorp (FNRN) Stock

$16.05 -7.23% NCM: FNRN Financial Services

Valuation

Metric	Value
Price	$16.05
Market Cap	$263.33M
P/E Ratio	12.52
P/B Ratio	1.32
P/S Ratio	3.25
EPS (TTM)	$1.32
52-Week High	$19.25
52-Week Low	$11.88
Dividend Yield	0.00%

Financials & Margins

Metric	Value
ROE	10.68%
ROA	1.17%
ROCE	1.49%
Gross Margin	30.68%
Operating Margin	30.68%
Net Margin	25.21%
Debt/Equity	0.03
Current Ratio	146.00

Annual Financials (USD)

Metric	2021	2022	2023	2024	2025
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 Margin	35.3%	34.5%	36.8%	32.9%	31.0%

Balance Sheet (USD)

Metric	2021	2022	2023	2024	2025
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	$6.0M	$5.0M	$0	$0	$6.0M

Latest News

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Cash Flow (USD)

Metric	2021	2022	2023	2024	2025
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

Metric	Value
PEG Ratio	1.06
EV / EBITDA	—
FCF Yield	—
Quick Ratio	—
Interest Coverage	—
Return 1Y	79.50%
Return 3Y	153.41%
Return 5Y	110.93%

Ownership

Insiders Held9.38%

Institutions Held26.30%

Institutions Float Held29.02%

Institutional Holder	Shares	Report Date
BANC FUNDS CO LLC	234,181	2026-03-31
PL Capital Advisors, LLC	38,325	2026-03-31

Peer Comparison

Ticker	Price	Change	P/E	Market Cap	Div Yield
CBTNCitizens Bancorp Investment, Inc.	$36.00	+0.56%	9.81	$213.19M	2.22%
CCFNMuncy Columbia Financial Corporation	$28.74	-0.21%	11.30	$305.00M	2.16%
EXSRExchange Bank (Santa Rosa, CA)	$166.00	+0.00%	8.93	$284.58M	3.25%
FFMHFirst Farmers and Merchants Corporation	$59.00	+0.00%	11.99	$233.63M	1.97%
FIEBFirst IC Corporation	$20.49	+0.00%	7.53	$185.84M	0.00%

About First Northern Community Bancorp

First Northern Community Bancorp is led by CEO Jeremiah Z. Smith, employs 187 people, headquartered in US, publicly traded since 1999.

First Northern Community Bancorp (FNRN) stock trades at $16.05 with a market capitalization of $263.33M. The stock is valued at a price-to-earnings (P/E) ratio of 12.52, price-to-book of 1.32, price-to-sales of 3.25. Over the past 52 weeks the stock has ranged between $11.88 and $19.25, and currently trades 16.6% below its 52-week high.

On profitability, First Northern Community Bancorp generates a return on equity (ROE) of 10.68%, return on capital employed of 1.49%, an operating margin of 30.68%, a net profit margin of 25.21%.

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