First Northern Community Bancorp (FNRN) Stock Price, News & Analysis

Company Overview

First Northern Community Bancorp is a bank holding company headquartered in Dixon, California, operating through its principal subsidiary, First Northern Bank. The company provides a full range of commercial, agricultural and consumer banking services tailored to the needs of individuals, small businesses and agricultural producers. Its product offerings include checking and savings accounts, certificates of deposit, residential and commercial real estate loans, business lines of credit, equipment financing and agricultural lending. In addition, First Northern Bank offers online and mobile banking, treasury management solutions, debit and ATM services, and merchant card processing.

Founded in 1910, First Northern Bank has grown steadily from its roots as a local community bank to a regional financial institution serving Northern California. The bank has established branches in multiple counties, including Yolo, Solano, Sacramento, Contra Costa, Napa, Colusa and Sutter, focusing on markets with strong agricultural bases and growing small-business sectors. By emphasizing relationship-driven banking, the company aims to support the economic development of the communities in which it operates, offering personalized service and decision-making at the local level.

The leadership team at First Northern Community Bancorp is led by President and Chief Executive Officer Richard M. Kozminski, who has guided the bank’s strategic growth and community-focused approach. The board of directors comprises local business and civic leaders who provide governance oversight and help shape the company’s commitment to service excellence. Through a combination of traditional banking practices and modern digital tools, First Northern Community Bancorp strives to deliver reliable financial solutions while maintaining its heritage as a community-oriented institution.

Key Stats

• Today's Range: $11.97 to $12.07
• 50-Day Range: $9.74 to $12.10
• 52-Week Range: $9.17 to $12.10
• Volume: 1,501 shs
• Average Volume: 10,559 shs
• Market Capitalization: $190.46 million
• P/E Ratio: 9.46
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: N/A

First Northern Community Bancorp Stock Analysis - MarketRank™

First Northern Community Bancorp scored higher than 11% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for First Northern Community Bancorp.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of First Northern Community Bancorp is 9.46, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 277.94.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Northern Community Bancorp is 9.46, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 232.42.

Price to Book Value per Share Ratio

First Northern Community Bancorp has a P/B Ratio of 1.09. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.01% of the outstanding shares of First Northern Community Bancorp have been sold short.

Short Interest Ratio / Days to Cover

First Northern Community Bancorp has a short interest ratio ("days to cover") of 0, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Northern Community Bancorp has recently increased by 66.67%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

First Northern Community Bancorp does not currently pay a dividend.

Dividend Growth

First Northern Community Bancorp does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.01% of the outstanding shares of First Northern Community Bancorp have been sold short.

Short Interest Ratio / Days to Cover

First Northern Community Bancorp has a short interest ratio ("days to cover") of 0, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Northern Community Bancorp has recently increased by 66.67%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 0.6 / 5
• News Sentiment: N/A

News Sentiment

First Northern Community Bancorp has a news sentiment score of -1.00. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.96 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for First Northern Community Bancorp this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, First Northern Community Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

11.77% of the stock of First Northern Community Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 17.86% of the stock of First Northern Community Bancorp is held by institutions.

FNRN Stock Analysis - Frequently Asked Questions

How have FNRN shares performed this year?

First Northern Community Bancorp's stock was trading at $9.99 at the beginning of 2025. Since then, FNRN shares have increased by 20.8% and is now trading at $12.07.

How were First Northern Community Bancorp's earnings last quarter?

First Northern Community Bancorp (OTCMKTS:FNRN) posted its quarterly earnings results on Wednesday, January, 29th. The bank reported $0.37 earnings per share (EPS) for the quarter. First Northern Community Bancorp had a net margin of 23.58% and a trailing twelve-month return on equity of 11.03%.

How do I buy shares of First Northern Community Bancorp?

Shares of FNRN stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of First Northern Community Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that First Northern Community Bancorp investors own include Honeywell International (HON), Home Depot (HD), Meta Platforms (META), NVIDIA (NVDA), Cisco Systems (CSCO), CocaCola (KO) and Johnson & Johnson (JNJ).

Company Calendar

• Last Earnings: 1/29/2025
• Today: 9/06/2025
• Next Earnings (Estimated): 10/29/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: BANKS - WEST
• Sub-Industry: Banking
• Current Symbol: OTCMKTS:FNRN
• CIK: 1114927
• Web: www.thatsmybank.com
• Phone: (707) 678-3041
• Fax: 707-678-9734
• Employees: 190
• Year Founded: 1910

Profitability

• EPS (Trailing Twelve Months): $1.28
• Trailing P/E Ratio: 9.46
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $20.03 million
• Net Margins: 23.58%
• Pretax Margin: 32.69%
• Return on Equity: 11.03%
• Return on Assets: 1.08%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.75
• Quick Ratio: 0.75

Sales & Book Value

• Annual Sales: $84.67 million
• Price / Sales: 2.25
• Cash Flow: $1.40 per share
• Price / Cash Flow: 8.65
• Book Value: $11.06 per share
• Price / Book: 1.09

Miscellaneous

• Outstanding Shares: 15,780,000
• Free Float: 13,924,000
• Market Cap: $190.46 million
• Optionable: Not Optionable
• Beta: 0.20