First Northern Community Bancorp (FNRN)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 55 | 54 | 62 | 73 | 70 | 74 | 75 | - |
| Operating profit | $m | 27 | 29 | ||||||
| Net profit | $m | 12 | 14 | 16 | 22 | 20 | 21 | 23 | - |
| EPS reported | $ | 1.32 | 1.39 | ||||||
| Operating cashflow per share | $ | 0.43 | 0.48 | ||||||
| Capex per share | $ | 0.11 | 0.13 | ||||||
| FCF per share | $ | 0.33 | 0.35 | ||||||
| Free cash flow | $m | 5 | 6 | ||||||
| Net debt | $m | -574 | -732 | ||||||
| Book value equity | $m | 212 | 217 | ||||||
| Book value per share | $ | 13.11 | 13.15 | ||||||
| Number of shares | m | 16.17 | 16.51 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 10.12 | 11.89 | ||||||
| P/B LTM | x | 1.00 | 0.98 | ||||||
| P/S LTM | x | 2.88 | 2.85 | ||||||
| P/FCF LTM | x | 40.83 | 33.41 | ||||||
| EV/EBITDA LTM | x | 2.47 | 2.36 | ||||||
| EV/Sales LTM | x | 0.82 | 1.78 | ||||||
| Earnings Yield LTM | % | +9.88% | +8.41% | ||||||
| FCF Yield | % | +2.45% | +2.99% | ||||||
| Quality | |||||||||
| ROE | % | +9.97% | +11.32% | ||||||
| ROIC | % | +1.10% | +3.01% | ||||||
| Operating margin | % | +31.00% | +33.78% | ||||||
| Gross margin | % | +83.22% | +83.73% | ||||||
| FCF/Sales | % | +5.88% | +6.35% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +11.86% | +17.80% | ||||||
| Sales Growth YoY | % | +4.53% | +5.90% | ||||||
| Net Income Growth YoY | % | +5.46% | +12.93% | ||||||
| FCF Growth | % | -72.92% | -66.90% | ||||||
| Operating Profit Growth | % | -1.56% | +3.01% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +0.00% | 0.00% | ||||||
| Dividend Growth | % | +19.53% | +46.37% | ||||||
| Payout Ratio | % | +0.04% | +0.04% | ||||||
| FCF/Debt | x | 0.90 | - | ||||||
| Net Debt/EBITDA | x | -4.77 | -4.09 | ||||||
| EBIT/Net interest | x | 1.85 | 2.00 | ||||||
| Net debt/market cap | % | +0.51% | +0.28% | ||||||
| Net debt/Equity | x | -2.71 | -3.37 | ||||||
| Gross debt/equity | x | 0.03 | 0.00 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
First Northern Community Bancorp (FNRN)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
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