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First Northern Community Bancorp FNRN

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Price alert · FNRN

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17.89 USD -0.46 (-2.51%)

At closeNov 5, 2026, 4:00 PM EST

17.89 0.00 0.00%

After hours · Nov 5, 4:00 PM ET

17.85 Day range 18.58
12.30 52-week range 19.25
YTD
+40.64%
1 year
+43.58%

Financial health

Altman Z-Score

0.74 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

C2 / 5 overall

  • DCF 4
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 1
  • P/E 3
  • P/B 1

Valuation

P/E 10.0×
FY 2016: 10.9×FY 2017: 14.4×FY 2018: 8.9×FY 2019: 8.6×FY 2020: 10.2×FY 2021: 8.9×FY 2022: 7.0×FY 2023: 6.0×FY 2024: 7.6×FY 2025: 10.0×
FY 2016 5y median 7.6× FY 2025
P/S 2.4×
FY 2016: 2.1×FY 2017: 2.8×FY 2018: 2.2×FY 2019: 2.3×FY 2020: 2.0×FY 2021: 2.3×FY 2022: 1.8×FY 2023: 1.6×FY 2024: 1.8×FY 2025: 2.4×
FY 2016 5y median 1.8× FY 2025
P/B 1.0×
FY 2016: 1.0×FY 2017: 1.3×FY 2018: 1.0×FY 2019: 1.0×FY 2020: 0.7×FY 2021: 0.8×FY 2022: 0.9×FY 2023: 0.8×FY 2024: 0.9×FY 2025: 1.0×
FY 2016 5y median 0.9× FY 2025
P/FCF 40.8×
FY 2016: 10.5×FY 2017: 9.0×FY 2018: 7.9×FY 2019: 8.2×FY 2020: 9.5×FY 2021: 5.1×FY 2022: 5.2×FY 2023: 5.0×FY 2024: 7.9×FY 2025: 40.8×
FY 2016 5y median 5.2× FY 2025
EV/EBITDA 2.4×
FY 2016: -6.1×FY 2017: -1.2×FY 2018: -0.4×FY 2019: 0.0×FY 2020: -8.9×FY 2021: -10.7×FY 2022: -3.9×FY 2023: -1.2×FY 2024: 0.5×FY 2025: 2.4×
FY 2016 5y median -1.2× FY 2025
EV/Sales 0.8×
FY 2016: -1.9×FY 2017: -0.4×FY 2018: -0.1×FY 2019: 0.0×FY 2020: -3.0×FY 2021: -4.1×FY 2022: -1.5×FY 2023: -0.5×FY 2024: 0.2×FY 2025: 0.8×
FY 2016 5y median -0.5× FY 2025
FCF Yield 2.4%
FY 2016: 9.5%FY 2017: 11.1%FY 2018: 12.6%FY 2019: 12.2%FY 2020: 10.5%FY 2021: 19.4%FY 2022: 19.2%FY 2023: 20.2%FY 2024: 12.7%FY 2025: 2.4%
FY 2016 5y median 19.2% FY 2025

Profitability

Gross Margin 83.2%
FY 2016: 93.2%FY 2017: 96.5%FY 2018: 93.6%FY 2019: 96.7%FY 2020: 92.0%FY 2021: 101.1%FY 2022: 96.7%FY 2023: 89.2%FY 2024: 83.4%FY 2025: 83.2%
FY 2016 5y median 89.2% FY 2025
Operating Margin 31.0%
FY 2016: 29.9%FY 2017: 35.4%FY 2018: 32.7%FY 2019: 36.3%FY 2020: 29.4%FY 2021: 35.3%FY 2022: 34.5%FY 2023: 36.8%FY 2024: 32.9%FY 2025: 31.0%
FY 2016 5y median 34.5% FY 2025
Net Margin 23.9%
FY 2016: 18.6%FY 2017: 18.2%FY 2018: 23.8%FY 2019: 26.2%FY 2020: 21.5%FY 2021: 25.8%FY 2022: 25.3%FY 2023: 26.8%FY 2024: 23.7%FY 2025: 23.9%
FY 2016 5y median 25.3% FY 2025
ROE 10.0%
FY 2016: 8.7%FY 2017: 8.7%FY 2018: 11.2%FY 2019: 11.1%FY 2020: 8.1%FY 2021: 9.4%FY 2022: 12.7%FY 2023: 13.5%FY 2024: 11.4%FY 2025: 10.0%
FY 2016 5y median 11.4% FY 2025
ROIC 1.1%
FY 2016: 9.9%FY 2017: 10.0%FY 2018: 11.2%FY 2019: 11.1%FY 2020: 7.8%FY 2021: 9.4%FY 2022: 12.6%FY 2023: 13.5%FY 2024: 10.4%FY 2025: 1.1%
FY 2016 5y median 10.4% FY 2025
ROA 1.1%
FY 2016: 0.7%FY 2017: 0.7%FY 2018: 1.0%FY 2019: 1.1%FY 2020: 0.7%FY 2021: 0.7%FY 2022: 0.8%FY 2023: 1.2%FY 2024: 1.1%FY 2025: 1.1%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue 4.4%
FY 2016: 10.8%FY 2017: 11.3%FY 2018: 9.7%FY 2019: 6.4%FY 2020: 0.9%FY 2021: -2.9%FY 2022: 14.1%FY 2023: 28.3%FY 2024: 5.1%FY 2025: 4.4%
FY 2016 FY 2025
Operating Income -1.6%
FY 2016: 21.3%FY 2017: 31.9%FY 2018: 1.3%FY 2019: 17.9%FY 2020: -18.3%FY 2021: 16.6%FY 2022: 11.5%FY 2023: 36.8%FY 2024: -6.1%FY 2025: -1.6%
FY 2016 FY 2025
EPS (diluted) 11.9%
FY 2016: 17.4%FY 2017: 9.3%FY 2018: 42.4%FY 2019: 11.9%FY 2020: -21.3%FY 2021: 21.6%FY 2022: 4.4%FY 2023: 36.2%FY 2024: -7.8%FY 2025: 11.9%
FY 2016 FY 2025
Free Cash Flow -72.9%
FY 2016: -33.1%FY 2017: 69.4%FY 2018: -1.0%FY 2019: 5.4%FY 2020: -24.4%FY 2021: 108.7%FY 2022: -12.4%FY 2023: 21.1%FY 2024: -26.1%FY 2025: -72.9%
FY 2016 FY 2025

Financial Health

Current Ratio 141×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.5×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 0.5×FY 2025: 141×
FY 2016 5y median 0.5× FY 2025
Quick Ratio 141×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.5×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 0.5×FY 2025: 141×
FY 2016 5y median 0.5× FY 2025
Debt / Equity 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Net Debt / EBITDA -4.6×
FY 2016: -13.0×FY 2017: -8.8×FY 2018: -6.9×FY 2019: -5.7×FY 2020: -14.8×FY 2021: -16.6×FY 2022: -8.6×FY 2023: -5.2×FY 2024: -4.4×FY 2025: -4.6×
FY 2016 5y median -5.2× FY 2025
Interest Coverage 1.8×
FY 2016: 11.2×FY 2017: 15.8×FY 2018: 13.6×FY 2019: 11.0×FY 2020: 11.2×FY 2021: 21.3×FY 2022: 18.3×FY 2023: 3.9×FY 2024: 1.9×FY 2025: 1.8×
FY 2016 5y median 3.9× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.1%FY 2017: 0.1%FY 2018: 0.1%FY 2019: 0.1%FY 2020: 0.1%FY 2021: 0.1%FY 2022: 0.1%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31