First Northern Community Bancorp
Research First Northern Community Bancorp (FNRN) on Bullrun: valuation model: 4.6% overvalued, market cap USD 278.88M, P/E 12.6. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerFNRN
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal4.6% overvalued
- Market capUSD 278.88M
- P/E12.6
- Financial periodQ3 2026
- Net incomeUSD 6.20M
- Free cash flowUSD 3.87M
Valuation Snapshot
Bullrun's latest valuation model marks First Northern Community Bancorp as 4.6% overvalued; latest market cap is USD 278.88M; P/E is 12.6.
Peer valuation comparison
Latest P/E is 12.58x versus a Financial Services sector median of 13.04x (3.5% below).
Latest P/E is 12.58x versus a United States median of 24.14x (47.9% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 73.57M | USD 21.13M | USD 5.20M | n/a | 1.25 | USD 155.73M | USD 0 | USD 212.02M |
| FY2024 | USD 70.38M | USD 20.03M | USD 19.19M | n/a | 0.34 | USD 135.52M | USD 0 | USD 176.33M |
| FY2023 | USD 72.98M | USD 21.55M | USD 26.08M | n/a | 1.16 | USD 168.92M | n/a | USD 159.25M |
| FY2022 | USD 61.63M | USD 15.88M | USD 21.44M | n/a | 0.86 | USD 208.37M | n/a | USD 125.04M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-11-06 | USD 278.88M | 12.6 | n/a | n/a |
| 2025 | 2025-12-31 | USD 219.19M | 10.0 | n/a | n/a |
| 2024 | 2024-12-31 | USD 151.69M | 7.2 | n/a | n/a |
| 2023 | 2023-12-29 | USD 131.40M | 6.3 | n/a | n/a |
| 2022 | 2022-12-30 | USD 112.74M | 7.2 | n/a | n/a |
| 2021 | 2021-12-31 | USD 135.19M | 9.1 | n/a | n/a |
About First Northern Community Bancorp
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.
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Frequently asked questions
Is First Northern Community Bancorp overvalued or undervalued?
Bullrun's valuation model currently marks First Northern Community Bancorp as 4.6% overvalued.
What is First Northern Community Bancorp's market cap?
First Northern Community Bancorp's market capitalization is USD 278.88M.
What is First Northern Community Bancorp's P/E ratio?
First Northern Community Bancorp's price-to-earnings (P/E) ratio is 12.6.
What does First Northern Community Bancorp do?
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.