Is First Northern Community Bancorp (FNRN) Overvalued?
We dive into why First Northern Community Bancorp (FNRN) could be considered overvalued on 2026-08-18, based on AAII’s Value Score and Grade.Rosalio Madrigal
A+ Stock Grade Summary:
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COMPANY SUMMARY
First Northern Community Bancorp operates as the bank holding company for First Northern Bank of Dixon that provides commercial banking products and services to individuals, and small and medium sized businesses. The company offers deposit products, including demand, interest-bearing transaction, savings and money market, and non-brokered time deposits. It also provides commercial, commercial real estate, agriculture, residential mortgage, residential construction, and consumer loans. In addition, the company provides debit and credit cards; investment and brokerage services; alternative investment products, and fiduciary and other financial services; equipment leasing, merchant card processing, payroll, and international banking services through third parties; and other customary banking services. Further, it rents safe deposit boxes. The company operates branches located in the cities of Auburn, Colusa, Davis, Dixon, Fairfield, Orland, Rancho Cordova, Roseville, Sacramento, Vacaville, West Sacramento, Winters, Willows, and Woodland; satellite banking office inside a retirement community in the city of Davis; and residential mortgage loan office in Davis. First Northern Community Bancorp was founded in 1910 and is headquartered in Dixon, California.
Commentary & Analysis
Why First Northern Community Bancorp’s (FNRN) Stock Is Down 5.65%
As of Monday, June 22, First Northern Community Bancorp’s FNRN share price has dipped by 5.65%, which has investors questioning if this is right time to buy.Cynthia McLaughlin
Why First Northern Community Bancorp’s (FNRN) Stock Is Up 5.17%
As of Friday, May 01, First Northern Community Bancorp’s FNRN share price has surged by 5.17%, which has investors questioning if this is right time to sell.Jenna Brashear
Does First Northern Community Bancorp (FNRN) Have Momentum?
With data as of September 23, 2025, we examine if First Northern Community Bancorp(FNRN) is consistently building momentum based on AAII's A+ Investor Momentum and Value Scores and Grades.Jenna Brashear
5 Undervalued Banks Stocks for Friday, January 05
Discover the top 5 undervalued Banks stocks for Friday, January 05 based on AAII’s Stock Grades.Jenna Brashear
Financial Summary
| Share Statistics | FNRN | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $285.8 | $751.0 | 31% |
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| Shares Out (Mil) | 16.5 | 15.4 | 27% |
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| Institutional Ownership | 69.9% | 83.2% | 43% |
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| Float (Mil) | 13.6 | 21.8 | 23% |
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| Beta | 0.02 | 0.43 | 6% |
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| Avg Daily Volume (000s) | 104 | 42 | 35% |
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| Price Change (52-week) |
79.4% | 94.6% | 87% |
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| Growth | FNRN | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 7.2% | 7.7% | 46% |
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| Net Income (5yr) | 11.6% | 11.1% | 58% |
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| EPS (5yr) | 12.7% | 10.1% | 51 |
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| Dividends (5yr) | 0.0% | 3.6% | 0% |
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| Cash Flow (5yr) | (29.3%) | (17.1%) | 20% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | FNRN | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $75 | $196 | 24% |
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| Net Income (TTM) (Mil) | $23 | $55 | 50% |
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| EPS (TTM) | $1.400 | $2.600 | 65% |
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| Operating Cash Flow (TTM) (Mil) | $9 | $36 | 38% |
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| Net Cash Flow (TTM) (Mil) | ($13) | $2 | 28% |
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| Long-Term Debt (Q1) (Mil) | $5 | $101 | 24% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | FNRN | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.32 | 1.25 | 33% |
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| P/E | 12.8 | 12.5 | 29% |
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| Dividend Yield | 0.0% | 2.2% | 0% |
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| PEG (5yr hist) | 1.0 | 1.1 | 45% |
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| Ratios | FNRN | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 30.0% | 29.1% | 89% |
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| ROA | 1.2% | 1.1% | 49% |
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| ROE | 11.0% | 11.3% | 60% |
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| Liabilities to Assets | 88.7% | 89.7% | 83% |
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| F-Score | 4 | 4 | 34% |
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First Northern Community Bancorp did not pass any screens on 8/20/2026.
