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First Northern Community Bancorp (FNRN) Financials

First Northern Community Bancorp logo
$18.17 +0.20 (+1.11%)
Closing price 04:00 PM Eastern
Extended Trading
$18.18 +0.01 (+0.06%)
As of 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for First Northern Community Bancorp

Annual Income Statements for First Northern Community Bancorp

This table shows First Northern Community Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 6.82 8.05 8.75 13 15 12 14 16 22 20 21
Consolidated Net Income / (Loss)		 6.92 8.05 8.75 13 15 12 14 16 22 20 21
Net Income / (Loss) Continuing Operations		 6.92 8.05 8.75 13 15 12 14 16 22 20 21
Total Pre-Tax Income 		11 13 17 17 20 17 19 22 30 28 27
Total Revenue		 38 42 47 52 54 55 54 62 74 84 87
Net Interest Income / (Expense)		 30 35 39 44 47 47 46 55 67 64 67
Total Interest Income		 31 36 40 46 49 49 47 56 74 79 82
Loans and Leases Interest Income		 27 31 33 37 39 41 39 42 52 55 58
Investment Securities Interest Income		 3.00 3.86 5.02 5.64 6.94 6.90 6.85 9.21 12 16 19
Deposits and Money Market Investments Interest Income		 0.66 0.89 1.50 2.27 2.50 1.02 0.72 3.83 9.35 7.20 4.87
Total Interest Expense		 1.15 1.16 1.08 1.27 1.86 1.48 0.91 1.19 7.58 14 15
Deposits Interest Expense		 1.15 1.16 1.08 1.27 1.86 1.48 0.91 1.19 7.58 1.05 1.44
Long-Term Debt Interest Expense		 - - - - - - - - - 0.00 0.08
Total Non-Interest Income		 7.60 7.28 8.13 7.21 7.20 7.81 7.86 6.93 7.85 6.02 6.10
Other Service Charges		 6.57 4.42 4.49 4.90 4.61 3.90 4.90 5.27 4.74 1.72 1.86
Net Realized & Unrealized Capital Gains on Investments		 1.03 0.85 1.69 0.32 0.61 2.54 1.31 -0.01 1.40 -0.18 -0.15
Other Non-Interest Income		 - - - - - - - - - 4.48 4.40
Provision for Credit Losses		 0.65 1.80 0.60 2.10 0.00 3.05 -1.50 0.90 1.10 -0.25 0.00
Total Non-Interest Expense		 27 27 29 32 34 35 36 39 44 56 59
Salaries and Employee Benefits		 16 17 18 21 22 23 23 24 26 24 25
Net Occupancy & Equipment Expense		 4.50 4.51 4.67 4.97 5.97 6.34 6.83 7.05 8.37 8.96 9.64
Marketing Expense		 0.31 0.31 0.33 0.37 0.43 0.42 0.38 0.50 0.47 0.46 0.49
Other Operating Expenses		 5.57 5.76 6.11 6.03 5.59 5.64 6.24 7.32 8.05 22 23
Amortization Expense		 - - - - - - - 0.00 0.83 0.82 0.73
Income Tax Expense		 3.74 4.89 8.32 4.74 5.67 4.50 5.24 5.78 8.09 7.81 6.28
Basic Earnings per Share		 $0.60 $0.67 $0.69 $0.94 $1.10 $0.86 $0.96 $1.05 $1.35 $1.20 $1.30
Weighted Average Basic Shares Outstanding		 11.00M 11.48M 12.08M 12.12M 12.34M 13.02M 13.27M 14.04M 14.83M 15.18M 15.68M
Diluted Earnings per Share		 $0.59 $0.66 $0.68 $0.93 $1.08 $0.85 $0.95 $1.04 $1.34 $1.19 $1.27
Weighted Average Diluted Shares Outstanding		 11.00M 11.48M 12.08M 12.12M 12.34M 13.02M 13.27M 14.04M 14.83M 15.18M 15.68M
Weighted Average Basic & Diluted Shares Outstanding		 11.00M 11.48M 12.08M 12.12M 12.34M 13.02M 13.27M 14.04M 14.83M 15.18M 15.68M

Quarterly Income Statements for First Northern Community Bancorp

This table shows First Northern Community Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 4.62 6.88 4.28 4.42 5.49 5.85 3.67 5.47 6.01 5.98 5.91
Consolidated Net Income / (Loss)		 4.62 6.88 4.28 4.42 5.49 5.85 3.67 5.47 6.01 5.98 5.91
Net Income / (Loss) Continuing Operations		 4.62 6.88 4.28 4.42 5.49 5.85 3.67 5.47 6.01 5.98 5.91
Total Pre-Tax Income 		6.27 9.49 5.94 6.11 7.65 8.14 4.96 7.60 6.58 8.27 7.61
Total Revenue		 18 19 17 17 18 31 17 18 19 32 19
Net Interest Income / (Expense)		 16 17 15 16 16 17 16 17 17 18 17
Total Interest Income		 18 20 19 20 20 20 20 21 21 22 21
Loans and Leases Interest Income		 13 14 13 14 14 14 14 15 15 15 14
Investment Securities Interest Income		 2.88 3.03 3.10 3.35 4.16 5.46 4.74 4.53 4.73 5.44 4.88
Deposits and Money Market Investments Interest Income		 2.06 2.38 1.72 2.08 1.82 1.58 0.89 1.17 1.22 1.59 1.20
Other Interest Income		 0.21 0.25 0.26 0.27 - - 0.27 0.25 - - 0.56
Total Interest Expense		 2.39 2.77 3.18 3.55 3.80 3.76 3.56 3.62 3.70 3.96 3.76
Deposits Interest Expense		 2.39 2.77 3.18 3.55 3.80 -9.49 3.56 3.55 3.70 -9.36 3.76
Total Non-Interest Income		 1.78 1.69 1.51 1.48 1.54 1.49 1.45 1.54 1.66 1.45 1.74
Other Service Charges		 1.13 1.69 0.97 0.93 0.22 -0.40 0.19 1.00 0.36 0.31 0.21
Net Realized & Unrealized Capital Gains on Investments		 0.06 -0.03 -0.04 -0.03 -0.04 -0.07 -0.04 -0.03 -0.04 -0.05 0.02
Investment Banking Income		 0.14 - 0.14 0.14 0.15 - 0.15 0.15 0.15 - 0.38
Other Non-Interest Income		 0.01 - 0.01 0.01 1.21 3.25 1.15 0.00 1.19 2.05 1.13
Provision for Credit Losses		 0.50 -2.00 -0.30 1.05 -0.55 -0.45 0.85 0.00 0.00 -0.85 0.30
Total Non-Interest Expense		 11 11 11 10 11 24 12 11 12 25 11
Salaries and Employee Benefits		 6.38 6.26 6.67 5.59 6.24 5.34 6.37 6.20 6.39 6.42 6.56
Net Occupancy & Equipment Expense		 2.00 2.29 2.15 2.15 2.28 2.38 2.24 2.38 2.60 2.43 2.17
Marketing Expense		 0.11 0.15 0.11 0.09 0.11 0.16 0.13 0.10 0.13 0.14 0.08
Other Operating Expenses		 2.17 2.18 2.09 2.27 2.10 15 2.66 2.04 2.63 16 1.97
Amortization Expense		 0.23 0.23 0.21 0.20 0.20 0.20 0.19 0.18 0.18 0.18 0.25
Income Tax Expense		 1.65 2.61 1.67 1.69 2.16 2.29 1.29 2.13 0.57 2.29 1.71
Basic Earnings per Share		 $0.30 $0.39 $0.27 $0.28 $0.35 $0.30 $0.22 $0.35 $0.39 $0.34 $0.37
Weighted Average Basic Shares Outstanding		 14.73M 14.83M 15.53M 15.40M 15.25M 15.18M 15.90M 15.78M 15.72M 15.68M 16.41M
Diluted Earnings per Share		 $0.30 $0.38 $0.26 $0.27 $0.34 $0.32 $0.22 $0.35 $0.38 $0.32 $0.36
Weighted Average Diluted Shares Outstanding		 14.73M 14.83M 15.53M 15.40M 15.25M 15.18M 15.90M 15.78M 15.72M 15.68M 16.41M
Weighted Average Basic & Diluted Shares Outstanding		 14.73M 14.83M 15.53M 15.40M 15.25M 15.18M 15.90M 15.78M 15.72M 15.68M 16.41M

Annual Cash Flow Statements for First Northern Community Bancorp

This table details how cash moves in and out of First Northern Community Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -15 -41 -6.75 -37 -4.54 156 79 -159 -38 -30 26
Net Cash From Operating Activities		 14 9.71 16 16 17 13 25 22 27 20 6.90
Net Cash From Continuing Operating Activities		 14 9.71 16 16 17 13 25 22 27 20 6.90
Net Income / (Loss) Continuing Operations		 6.92 8.05 8.75 13 15 12 14 16 22 20 21
Consolidated Net Income / (Loss)		 6.92 8.05 8.75 13 15 12 14 16 22 20 21
Provision For Loan Losses		 0.65 1.80 0.60 2.10 0.00 3.05 -1.50 0.90 1.10 -0.25 0.00
Depreciation Expense		 0.64 0.63 0.60 0.57 0.72 0.94 0.76 0.77 1.00 1.06 1.00
Amortization Expense		 2.08 3.16 3.59 2.53 2.55 3.28 5.45 5.42 3.85 1.90 -0.33
Non-Cash Adjustments to Reconcile Net Income		 0.88 -3.11 3.38 -2.02 -0.88 -5.83 8.06 0.91 -0.88 1.68 -15
Changes in Operating Assets and Liabilities, net		 2.38 -0.83 -0.83 -0.05 -0.55 -1.02 -1.69 -2.11 0.67 -4.89 -0.16
Net Cash From Investing Activities		 -107 -167 -64 -72 -35 -202 -186 -179 84 -53 45
Net Cash From Continuing Investing Activities		 -107 -167 -64 -72 -35 -202 -186 -179 84 -53 45
Purchase of Property, Leasehold Improvements and Equipment		 -0.44 -0.93 -1.23 -0.96 -1.06 -0.86 -0.80 -0.34 -1.22 -0.34 -1.70
Purchase of Investment Securities		 -153 -242 -152 -148 -155 -334 -333 -309 -177 -230 -139
Sale and/or Maturity of Investments		 50 76 86 77 120 133 147 130 158 177 186
Net Cash From Financing Activities		 78 116 41 20 14 345 240 -1.51 -149 3.98 -26
Net Cash From Continuing Financing Activities		 78 116 41 20 14 345 240 -1.51 -149 3.98 -26
Net Change in Deposits		 91 116 41 20 14 340 250 -1.43 -149 7.65 -21
Issuance of Debt		 - - - 0.00 0.00 5.00 - - - 0.00 20
Issuance of Common Equity		 0.08 0.06 0.08 0.09 0.10 0.11 0.10 0.12 0.10 0.10 0.09
Repayment of Debt		 - - - - - 0.00 -5.00 - - 0.00 -20
Repurchase of Common Equity		 - - - - - 0.00 -5.37 -0.19 -0.14 -3.76 -4.75
Payment of Dividends		 -0.11 0.01 0.01 0.01 0.01 -0.01 -0.01 -0.01 -0.01 -0.01 -0.01

Quarterly Cash Flow Statements for First Northern Community Bancorp

This table details how cash moves in and out of First Northern Community Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -7.70 -48 38 -5.13 -18 -44 -7.73 15 23 -3.96 -5.97
Net Cash From Operating Activities		 12 2.30 2.65 2.55 8.01 6.33 3.42 2.54 -6.64 7.58 4.25
Net Cash From Continuing Operating Activities		 12 2.37 2.65 2.55 8.01 6.33 3.42 2.54 -6.64 7.58 4.25
Net Income / (Loss) Continuing Operations		 4.62 6.88 4.28 4.42 5.49 5.85 3.67 5.47 6.01 5.98 5.91
Consolidated Net Income / (Loss)		 4.62 6.88 4.28 4.42 5.49 5.85 3.67 5.47 6.01 5.98 5.91
Provision For Loan Losses		 0.50 -2.00 -0.30 1.05 -0.55 -0.45 0.85 - - -0.85 0.30
Depreciation Expense		 0.25 0.27 0.27 0.26 0.26 0.27 0.25 0.25 0.25 0.24 0.24
Amortization Expense		 0.13 1.65 0.77 0.66 0.44 0.04 -0.16 0.28 -0.72 0.27 -0.24
Non-Cash Adjustments to Reconcile Net Income		 1.52 -0.43 0.34 -0.07 0.51 0.90 -0.16 0.62 -14 -0.75 -0.08
Changes in Operating Assets and Liabilities, net		 4.93 -4.02 -2.71 -3.78 1.86 -0.27 -1.03 -4.07 2.26 2.69 -1.88
Net Cash From Investing Activities		 -7.38 3.61 19 -4.62 -49 -18 15 25 7.28 -2.88 -25
Net Cash From Continuing Investing Activities		 -7.38 3.61 19 -4.62 -49 -18 15 25 7.28 -2.88 -25
Purchase of Property, Leasehold Improvements and Equipment		 -0.54 -0.18 0.00 -0.12 -0.10 -0.12 -0.10 -0.34 -0.84 -0.43 -0.50
Purchase of Investment Securities		 24 -115 -18 -54 -88 -70 -20 -35 -34 -50 -60
Sale and/or Maturity of Investments		 -31 118 36 50 39 52 35 60 42 48 36
Net Cash From Financing Activities		 -12 -54 16 -3.05 23 -33 -27 -12 22 -8.66 14
Net Cash From Continuing Financing Activities		 -12 -54 16 -3.05 23 -33 -27 -12 22 -8.66 14
Net Change in Deposits		 -12 -54 16 -1.81 25 -32 -25 -12 23 -7.27 16
Repurchase of Common Equity		 - - 0.00 -1.24 -1.56 -0.97 -1.27 -0.88 -1.12 -1.48 -1.15
Payment of Dividends		 - - -0.01 - - - -0.01 - - - -0.01
Cash Interest Paid		 1.70 - 2.98 4.17 3.60 - 4.16 3.65 3.56 - 3.82

Annual Balance Sheets for First Northern Community Bancorp

This table presents First Northern Community Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,045 1,167 1,218 1,250 1,293 1,655 1,899 1,871 1,872 1,892 1,911
Cash and Due from Banks		 201 160 153 116 111 267 346 187 149 119 146
Time Deposits Placed and Other Short-Term Investments		 17 16 1.98 7.60 15 17 13 21 20 16 10
Trading Account Securities		 183 277 281 315 343 435 633 618 572 634 617
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 7.01 7.30 6.25 6.65 6.59 6.51 6.55 6.12 9.96 9.25 8.71
Mortgage Servicing Rights		 - - - - - - - - - 1,047 1,050
Intangible Assets		 - - - - - - - 0.00 4.14 3.32 4.33
Other Assets		 31 33 36 39 44 920 900 1,039 1,116 63 74
Total Liabilities & Shareholders' Equity		 1,045 1,167 1,218 1,250 1,293 1,655 1,899 1,871 1,872 1,892 1,911
Total Liabilities		 959 1,074 1,118 1,137 1,160 1,505 1,748 1,746 1,713 1,715 1,699
Interest Bearing Deposits		 635 701 723 708 716 833 1,728 1,727 1,692 1,700 1,679
Other Long-Term Liabilities		 - - - - - - - - - 15 20
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 86 92 100 112 133 151 151 125 159 176 212
Total Preferred & Common Equity		 86 92 100 112 133 151 151 125 159 176 212
Total Common Equity		 86 92 100 112 133 151 151 125 159 176 212
Common Stock		 75 80 87 94 101 109 111 117 124 129 136
Retained Earnings		 12 15 18 24 32 37 44 54 69 81 92
Accumulated Other Comprehensive Income / (Loss)		 -0.50 -2.35 -4.40 -5.04 0.13 5.04 -4.20 -47 -34 -34 -15

Quarterly Balance Sheets for First Northern Community Bancorp

This table presents First Northern Community Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 1,902 1,887 1,888 1,931 1,876 1,872 1,908 1,925
Cash and Due from Banks		 197 187 182 164 112 127 150 140
Time Deposits Placed and Other Short-Term Investments		 21 18 17 19 16 15 13 10
Trading Account Securities		 568 558 561 632 638 594 602 623
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 10 9.69 9.55 9.39 7.85 7.94 8.52 8.97
Mortgage Servicing Rights		 - - - - - - - 1,065
Intangible Assets		 4.37 3.93 3.73 3.52 3.13 2.95 2.77 4.08
Other Assets		 1,102 1,110 1,115 1,102 1,100 1,126 1,133 74
Total Liabilities & Shareholders' Equity		 1,902 1,887 1,888 1,931 1,876 1,872 1,908 1,925
Total Liabilities		 1,766 1,725 1,722 1,749 1,688 1,677 1,703 1,711
Interest Bearing Deposits		 1,746 1,709 1,707 1,732 1,675 1,663 1,686 1,695
Other Long-Term Liabilities		 - - - - - - 17 16
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 136 162 166 182 188 195 205 214
Total Preferred & Common Equity		 136 162 166 182 188 195 205 214
Total Common Equity		 136 162 166 182 188 195 205 214
Common Stock		 118 125 124 122 128 127 127 135
Retained Earnings		 68 73 77 83 85 90 96 97
Accumulated Other Comprehensive Income / (Loss)		 -49 -35 -35 -23 -25 -23 -18 -19

Annual Metrics And Ratios for First Northern Community Bancorp

This table displays calculated financial ratios and metrics derived from First Northern Community Bancorp's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 10,253,729.00 10,710,577.00 11,172,640.00 11,661,857.00 12,295,386.00 12,969,267.00 13,467,734.00 13,918,905.00 14,730,761.00 15,252,726.00 15,724,784.00
DEI Adjusted Shares Outstanding		 10,253,729.00 10,710,577.00 11,172,640.00 11,661,857.00 12,295,386.00 12,969,267.00 13,467,734.00 13,918,905.00 14,730,761.00 15,252,726.00 15,724,784.00
DEI Earnings Per Adjusted Shares Outstanding		 0.68 0.75 0.78 1.08 1.20 0.94 1.05 1.14 1.46 1.31 1.34
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 5.89% 11.10% 11.83% 9.54% 5.38% 1.58% -1.92% 13.86% 20.70% 12.42% 3.90%
EBITDA Growth		 17.98% 24.98% 27.06% -4.06% 16.04% -11.73% 22.77% 8.66% 23.81% -10.71% -8.85%
EBIT Growth		 23.11% 21.34% 31.93% 1.34% 17.90% -18.29% 16.59% 11.53% 36.83% -6.09% -1.56%
NOPAT Growth		 17.90% 16.33% 8.66% 43.47% 17.29% -17.39% 16.65% 11.97% 35.70% -7.05% 5.46%
Net Income Growth		 17.90% 16.33% 8.66% 43.47% 17.29% -17.39% 16.65% 11.97% 35.70% -7.05% 5.46%
EPS Growth		 13.46% 11.86% 3.03% 36.76% 16.13% -21.30% 11.76% 9.47% 28.85% -11.19% 6.72%
Operating Cash Flow Growth		 111.14% -28.37% 65.83% -2.58% 5.64% -23.99% 100.75% -13.83% 25.34% -28.44% -64.69%
Free Cash Flow Firm Growth		 1,130.87% -87.79% -37.45% -86.63% -4,378.36% -84.56% 278.92% 120.55% -130.30% 123.29% -593.99%
Invested Capital Growth		 -6.74% 7.51% 8.39% 12.41% 18.19% 17.11% -3.05% -17.14% 27.36% 10.73% 20.24%
Revenue Q/Q Growth		 4.48% 3.55% 1.34% 3.37% 0.54% 1.95% -2.67% 6.78% 1.78% 17.85% 1.44%
EBITDA Q/Q Growth		 4.15% 7.90% 2.64% -0.42% 2.87% 6.06% -3.66% 6.55% 11.66% -8.81% 1.24%
EBIT Q/Q Growth		 4.68% 6.43% 4.18% 1.40% 2.25% -0.54% -3.22% 11.88% 10.93% -4.63% 0.50%
NOPAT Q/Q Growth		 3.25% 5.93% -13.62% 24.39% 1.57% -1.81% -1.11% 10.71% 11.10% -4.92% 0.63%
Net Income Q/Q Growth		 3.25% 5.93% -13.62% 24.39% 1.57% -1.81% -1.11% 10.71% 11.10% -4.92% 0.63%
EPS Q/Q Growth		 1.72% 3.13% -17.07% 25.68% 2.86% -2.30% -2.06% 10.64% 8.06% -4.80% 0.00%
Operating Cash Flow Q/Q Growth		 80.13% -13.54% 5.20% -6.68% 27.45% -38.73% 43.18% 14.67% -19.12% 25.98% 22.09%
Free Cash Flow Firm Q/Q Growth		 23,960.00% -86.91% -46.36% -96.77% 32.07% 35.73% 4.19% -24.81% -239.62% 112.06% -719.71%
Invested Capital Q/Q Growth		 -11.52% -0.09% -0.60% 5.51% 2.62% -1.71% -2.35% 10.30% 16.68% -3.11% 3.54%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 35.33% 39.74% 45.16% 39.55% 43.55% 37.84% 47.37% 45.21% 46.37% 36.83% 32.31%
EBIT Margin		 28.14% 30.74% 36.26% 33.54% 37.53% 30.19% 35.89% 35.16% 39.86% 33.29% 31.54%
Profit (Net Income) Margin		 18.27% 19.13% 18.59% 24.34% 27.10% 22.04% 26.21% 25.77% 28.98% 23.96% 24.32%
Tax Burden Percent		 64.92% 62.24% 51.26% 72.57% 72.19% 72.99% 73.03% 73.31% 72.70% 71.96% 77.10%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 35.08% 37.76% 48.74% 27.43% 27.81% 27.01% 26.97% 26.69% 27.30% 28.04% 22.90%
Return on Invested Capital (ROIC)		 7.78% 9.04% 9.10% 11.81% 12.00% 8.43% 9.25% 11.51% 15.16% 11.94% 10.88%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 8.43% 9.25% 0.00% 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.15% 0.15% 0.00% 0.00% 0.00% 0.00%
Return on Equity (ROE)		 0.00% 0.00% 0.00% 0.00% 0.00% 8.58% 9.41% 0.00% 0.00% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 14.75% 1.80% 1.04% 0.13% -4.67% -7.33% 12.35% 30.26% -8.90% 1.76% -7.50%
Operating Return on Assets (OROA)		 1.06% 1.17% 1.43% 1.40% 1.60% 1.13% 1.09% 1.15% 1.58% 1.48% 1.44%
Return on Assets (ROA)		 0.69% 0.73% 0.73% 1.02% 1.16% 0.83% 0.80% 0.84% 1.15% 1.06% 1.11%
Return on Common Equity (ROCE)		 0.00% 0.00% 0.00% 0.00% 0.00% 8.58% 9.41% 0.00% 0.00% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 8.06% 8.72% 8.74% 11.16% 11.08% 8.07% 9.40% 12.70% 13.54% 11.36% 9.97%
Net Operating Profit after Tax (NOPAT)		 6.92 8.05 8.75 13 15 12 14 16 22 20 21
NOPAT Margin		 18.27% 19.13% 18.59% 24.34% 27.10% 22.04% 26.21% 25.77% 28.98% 23.96% 24.32%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 55.45% 51.30% 49.47% 50.69% 52.18% 54.07% 55.36% 51.51% 46.73% 39.78% 40.87%
Operating Expenses to Revenue		 70.14% 64.99% 62.47% 62.38% 62.47% 64.28% 66.88% 63.38% 58.67% 67.01% 68.46%
Earnings before Interest and Taxes (EBIT)		 11 13 17 17 20 17 19 22 30 28 27
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 13 17 21 20 24 21 26 28 34 31 28
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.69 0.78 1.10 0.85 0.80 0.68 0.74 0.75 0.72 0.78 0.94
Price to Tangible Book Value (P/TBV)		 0.69 0.78 1.10 0.85 0.80 0.68 0.74 0.75 0.74 0.80 0.96
Price to Revenue (P/Rev)		 1.56 1.72 2.33 1.86 1.95 1.87 2.07 1.52 1.54 1.65 2.30
Price to Earnings (P/E)		 8.68 8.99 12.55 7.65 7.19 8.47 7.89 5.89 5.30 6.87 9.44
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 3.80%
Earnings Yield		 11.52% 11.12% 7.97% 13.08% 13.90% 11.80% 12.68% 16.98% 18.87% 14.56% 10.59%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.21
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.02 0.50
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.07 1.56
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.07 1.60
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.10 2.07
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.11 6.35
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.70 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.03 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.03 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 0.00 0.00 0.00 0.00 0.00 0.02 0.02 0.00 0.00 0.00 0.00
Leverage Ratio		 11.26 12.41 12.40 11.61 10.36 10.40 11.79 13.66 13.17 11.22 9.79
Compound Leverage Factor		 11.26 12.41 12.40 11.61 10.36 10.40 11.79 13.66 13.17 11.22 9.79
Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 3.21% 0.00% 0.00% 0.00% 0.00% 0.00%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 3.21% 0.00% 0.00% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 100.00% 100.00% 100.00% 100.00% 100.00% 96.79% 100.00% 100.00% 100.00% 100.00% 100.00%
Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.24 0.00 0.00 0.00 0.00 0.00
Net Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 -13.36 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.24 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.41 0.00 0.00 0.00 0.00 0.00
Net Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 -22.95 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.41 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 7.22% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 13 1.60 1.00 0.13 -5.73 -11 19 42 -13 2.95 -15
Operating Cash Flow to CapEx		 3,108.03% 1,048.16% 0.00% 1,628.14% 4,269.07% 1,460.56% 3,147.57% 6,331.40% 2,235.87% 5,695.92% 405.76%
Free Cash Flow to Firm to Interest Expense		 11.37 1.38 0.93 0.11 -3.08 -7.13 20.76 35.21 -1.67 0.21 -0.98
Operating Cash Flow to Interest Expense		 11.74 8.39 14.92 12.37 8.91 8.48 27.71 18.36 3.60 1.37 0.47
Operating Cash Flow Less CapEx to Interest Expense		 11.36 7.59 16.44 11.61 8.70 7.90 26.83 18.07 3.44 1.34 0.35
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.03 0.04 0.04 0.05
Fixed Asset Turnover		 5.30 5.88 6.95 8.00 8.21 8.42 8.29 9.73 9.25 8.71 9.68
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 86 92 100 112 133 156 151 125 159 176 212
Invested Capital Turnover		 0.43 0.47 0.49 0.49 0.44 0.38 0.35 0.45 0.52 0.50 0.45
Increase / (Decrease) in Invested Capital		 -6.20 6.45 7.75 12 20 23 -4.75 -26 34 17 36
Enterprise Value (EV)		 -158 -103 -45 -28 -20 -176 -247 -115 -55 2.07 44
Market Capitalization		 59 72 110 96 106 103 112 94 114 138 200
Book Value per Share		 $8.37 $8.62 $8.95 $9.64 $10.81 $11.62 $11.21 $8.98 $10.81 $11.56 $13.48
Tangible Book Value per Share		 $8.37 $8.62 $8.95 $9.64 $10.81 $11.62 $11.21 $8.98 $10.53 $11.34 $13.21
Total Capital		 86 92 100 112 133 156 151 125 159 176 212
Total Debt		 0.00 0.00 0.00 0.00 0.00 5.00 0.00 0.00 0.00 0.00 0.00
Total Long-Term Debt		 0.00 0.00 0.00 0.00 0.00 5.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 -217 -176 -155 -124 -126 -279 -359 -208 -169 -136 -156
Capital Expenditures (CapEx)		 0.44 0.93 -1.64 0.96 0.39 0.86 0.80 0.34 1.22 0.34 1.70
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 0.00 0.00 0.00 0.00 5.00 0.00 0.00 0.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 2.72 3.79 4.19 3.10 3.27 4.22 6.22 6.20 4.85 2.96 0.67
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.64 $0.73 $0.76 $1.04 $1.15 $0.90 $1.01 $1.11 $1.42 $1.26 $1.30
Adjusted Weighted Average Basic Shares Outstanding		 10.29M 10.74M 11.21M 11.71M 12.34M 13.02M 13.27M 14.04M 14.83M 15.18M 15.68M
Adjusted Diluted Earnings per Share		 $0.64 $0.73 $0.75 $1.02 $1.14 $0.90 $1.00 $1.09 $1.41 $1.24 $1.27
Adjusted Weighted Average Diluted Shares Outstanding		 10.29M 10.74M 11.21M 11.71M 12.34M 13.02M 13.27M 14.04M 14.83M 15.18M 15.68M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 10.29M 10.74M 11.21M 11.71M 12.34M 13.02M 13.27M 14.04M 14.83M 15.18M 15.68M
Normalized Net Operating Profit after Tax (NOPAT)		 6.92 8.05 8.75 13 15 12 14 16 22 20 21
Normalized NOPAT Margin		 18.27% 19.13% 18.59% 24.34% 27.10% 22.04% 26.21% 25.77% 28.98% 23.96% 24.32%
Pre Tax Income Margin		 28.14% 30.74% 36.26% 33.54% 37.53% 30.19% 35.89% 35.16% 39.86% 33.29% 31.54%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 9.24 11.18 15.82 13.64 10.97 11.23 21.30 18.27 3.91 1.95 1.85
NOPAT to Interest Expense		 6.00 6.96 8.11 9.90 7.92 8.19 15.55 13.39 2.84 1.40 1.42
EBIT Less CapEx to Interest Expense		 8.86 10.38 17.34 12.88 10.76 10.65 20.42 17.98 3.75 1.92 1.73
NOPAT Less CapEx to Interest Expense		 5.62 6.16 9.63 9.14 7.71 7.61 14.67 13.10 2.68 1.38 1.31
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 1.60% -0.06% -0.11% -0.08% -0.05% 0.07% 0.06% 0.05% 0.03% 0.03% 0.04%
Augmented Payout Ratio		 1.60% -0.06% -0.11% -0.08% -0.05% 0.07% 37.94% 1.23% 0.70% 18.82% 22.52%

Quarterly Metrics And Ratios for First Northern Community Bancorp

This table displays calculated financial ratios and metrics derived from First Northern Community Bancorp's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 14,720,633.00 14,730,761.00 14,827,366.00 15,529,531.00 15,396,989.00 15,252,726.00 15,184,687.00 15,897,929.00 15,780,933.00 15,724,784.00 15,683,051.00
DEI Adjusted Shares Outstanding		 14,720,633.00 14,730,761.00 14,827,366.00 15,529,531.00 15,396,989.00 15,252,726.00 15,184,687.00 15,897,929.00 15,780,933.00 15,724,784.00 15,683,051.00
DEI Earnings Per Adjusted Shares Outstanding		 0.31 0.47 0.29 0.28 0.36 0.38 0.24 0.34 0.38 0.38 0.38
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 8.40% 7.53% -10.53% -9.47% 2.18% 68.14% 3.12% 5.89% 2.61% 3.95% 8.90%
EBITDA Growth		 -12.05% 46.13% -20.92% -7.51% 25.56% -26.07% -27.68% 15.63% -26.81% 4.09% 55.71%
EBIT Growth		 3.18% 44.50% -21.51% -3.29% 22.07% -14.26% -16.59% 24.28% -13.96% 1.66% 53.59%
NOPAT Growth		 1.12% 45.53% -22.10% -3.07% 18.81% -15.05% -14.15% 23.55% 9.57% 2.26% 60.88%
Net Income Growth		 1.12% 45.53% -22.10% -3.07% 18.81% -15.05% -14.15% 23.55% 9.57% 2.26% 60.88%
EPS Growth		 -3.23% 35.71% -27.78% -10.00% 13.33% -15.79% -15.38% 29.63% 11.76% 0.00% 63.64%
Operating Cash Flow Growth		 68.58% -73.72% -47.36% -68.00% -33.30% 175.10% 29.01% -0.08% -182.92% 19.72% 24.39%
Free Cash Flow Firm Growth		 -140.45% -189.29% -681.33% -388.33% -116.26% 58.86% 2.26% 3.59% 58.13% -164.28% 7.79%
Invested Capital Growth		 20.40% 27.36% 19.56% 21.21% 33.34% 10.73% 15.68% 17.59% 12.51% 20.24% 13.84%
Revenue Q/Q Growth		 -8.49% 5.34% -9.27% 3.52% 3.28% 73.34% -44.35% 6.29% 0.08% 75.60% -41.70%
EBITDA Q/Q Growth		 -12.56% 71.68% -38.81% 0.69% 18.70% 1.09% -40.14% 60.98% -24.87% 43.77% -10.45%
EBIT Q/Q Growth		 -0.85% 51.40% -37.37% 2.88% 25.14% 6.34% -39.08% 53.29% -13.36% 25.65% -7.96%
NOPAT Q/Q Growth		 1.21% 48.99% -37.87% 3.46% 24.05% 6.52% -37.20% 48.90% 10.01% -0.58% -1.20%
Net Income Q/Q Growth		 1.21% 48.99% -37.87% 3.46% 24.05% 6.52% -37.20% 48.90% 10.01% -0.58% -1.20%
EPS Q/Q Growth		 0.00% 26.67% -31.58% 3.85% 25.93% -5.88% -31.25% 59.09% 8.57% -15.79% 12.50%
Operating Cash Flow Q/Q Growth		 51.04% -80.84% 15.21% -4.00% 214.77% -20.98% -45.97% -25.64% -361.23% 214.08% -43.86%
Free Cash Flow Firm Q/Q Growth		 -267.79% -47.64% 18.43% -10.25% -62.87% 71.91% -93.80% -8.75% 29.26% -77.27% 32.38%
Invested Capital Q/Q Growth		 -0.18% 16.68% 1.95% 2.08% 9.82% -3.11% 6.51% 3.77% 5.07% 3.54% 0.84%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 37.67% 61.39% 41.40% 40.27% 46.28% 26.99% 29.04% 43.98% 33.01% 27.03% 41.52%
EBIT Margin		 35.51% 51.03% 35.22% 35.01% 42.42% 26.02% 28.49% 41.09% 35.57% 25.45% 40.18%
Profit (Net Income) Margin		 26.17% 37.02% 25.35% 25.34% 30.43% 18.70% 21.10% 29.56% 32.49% 18.40% 31.18%
Tax Burden Percent		 73.70% 72.53% 71.96% 72.37% 71.74% 71.86% 74.07% 71.95% 91.36% 72.29% 77.59%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 26.30% 27.47% 28.04% 27.63% 28.26% 28.14% 25.93% 28.05% 8.64% 27.71% 22.41%
Return on Invested Capital (ROIC)		 15.31% 19.37% 12.31% 11.82% 13.56% 9.32% 10.14% 13.97% 14.39% 8.23% 13.73%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity (ROE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 -2.98% -8.90% -4.17% -5.82% -15.35% 1.76% -3.44% -4.82% -0.92% -7.50% -1.31%
Operating Return on Assets (OROA)		 1.35% 2.03% 1.35% 1.30% 1.57% 1.16% 1.27% 1.86% 1.59% 1.16% 1.87%
Return on Assets (ROA)		 1.00% 1.47% 0.97% 0.94% 1.13% 0.83% 0.94% 1.34% 1.45% 0.84% 1.45%
Return on Common Equity (ROCE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 14.21% 0.00% 12.53% 12.19% 11.58% 0.00% 10.35% 10.50% 10.25% 0.00% 10.93%
Net Operating Profit after Tax (NOPAT)		 4.62 6.88 4.28 4.42 5.49 5.85 3.67 5.47 6.01 5.98 5.91
NOPAT Margin		 26.17% 37.02% 25.35% 25.34% 30.43% 18.70% 21.10% 29.56% 32.49% 18.40% 31.18%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 48.07% 46.78% 52.91% 44.83% 47.88% 25.21% 50.25% 46.90% 49.26% 27.63% 46.51%
Operating Expenses to Revenue		 61.66% 59.72% 66.55% 58.98% 60.63% 75.42% 66.62% 58.91% 64.43% 77.17% 58.23%
Earnings before Interest and Taxes (EBIT)		 6.27 9.49 5.94 6.11 7.65 8.14 4.96 7.60 6.58 8.27 7.61
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 6.65 11 6.98 7.03 8.35 8.44 5.05 8.13 6.11 8.78 7.87
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.88 0.72 0.78 0.76 0.78 0.78 0.82 0.75 0.93 0.94 1.22
Price to Tangible Book Value (P/TBV)		 0.91 0.74 0.80 0.78 0.80 0.80 0.83 0.76 0.94 0.96 1.24
Price to Revenue (P/Rev)		 1.65 1.54 1.76 1.79 2.01 1.65 1.83 1.72 2.22 2.30 2.95
Price to Earnings (P/E)		 6.22 5.30 6.26 6.26 6.76 6.87 7.93 7.15 9.07 9.44 11.16
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 4.98% 5.21% 3.99% 3.80% 7.43%
Earnings Yield		 16.07% 18.87% 15.97% 15.98% 14.79% 14.56% 12.61% 13.98% 11.02% 10.59% 8.96%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.00 0.00 0.01 0.14 0.03 0.14 0.21 0.52
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 0.00 0.00 0.02 0.32 0.06 0.33 0.50 1.25
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 0.00 0.07 0.93 0.17 1.01 1.56 3.62
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 0.07 1.00 0.18 1.03 1.60 3.69
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 0.00 0.10 1.38 0.24 1.34 2.07 4.75
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.00 0.00 0.11 1.32 0.24 4.97 6.35 14.35
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.70 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage Ratio		 15.35 13.17 12.71 12.57 12.04 11.22 10.75 10.43 9.93 9.79 9.46
Compound Leverage Factor		 15.35 13.17 12.71 12.57 12.04 11.22 10.75 10.43 9.93 9.79 9.46
Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -19 -27 -22 -25 -40 -11 -22 -24 -17 -30 -20
Operating Cash Flow to CapEx		 2,228.39% 1,307.39% 0.00% 2,138.66% 7,853.92% 5,188.52% 3,562.50% 759.10% -792.72% 1,758.24% 854.22%
Free Cash Flow to Firm to Interest Expense		 -7.76 -9.87 -7.01 -6.92 -10.54 -2.99 -6.12 -6.54 -4.53 -7.51 -5.35
Operating Cash Flow to Interest Expense		 5.03 0.83 0.83 0.72 2.11 1.68 0.96 0.70 -1.80 1.92 1.13
Operating Cash Flow Less CapEx to Interest Expense		 4.81 0.77 0.83 0.68 2.08 1.65 0.93 0.61 -2.02 1.81 1.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.05 0.04 0.05 0.05
Fixed Asset Turnover		 9.09 9.25 7.43 7.31 7.30 8.71 9.59 9.74 9.56 9.68 10.51
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 136 159 162 166 182 176 188 195 205 212 214
Invested Capital Turnover		 0.59 0.52 0.49 0.47 0.45 0.50 0.48 0.47 0.44 0.45 0.44
Increase / (Decrease) in Invested Capital		 23 34 27 29 46 17 25 29 23 36 26
Enterprise Value (EV)		 -97 -55 -78 -72 -41 2.07 27 4.96 28 44 111
Market Capitalization		 121 114 127 126 142 138 154 146 190 200 261
Book Value per Share		 $9.27 $10.81 $10.95 $10.67 $11.82 $11.56 $12.37 $12.26 $12.98 $13.48 $13.63
Tangible Book Value per Share		 $8.98 $10.53 $10.68 $10.43 $11.59 $11.34 $12.16 $12.07 $12.80 $13.21 $13.37
Total Capital		 136 159 162 166 182 176 188 195 205 212 214
Total Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Long-Term Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 -218 -169 -205 -199 -183 -136 -127 -141 -162 -156 -150
Capital Expenditures (CapEx)		 0.54 0.18 0.00 0.12 0.10 0.12 0.10 0.34 0.84 0.43 0.50
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 0.38 1.93 1.04 0.92 0.70 0.30 0.10 0.53 -0.47 0.51 0.25
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.32 $0.39 $0.28 $0.29 $0.36 $0.30 $0.23 $0.35 $0.39 $0.34 $0.37
Adjusted Weighted Average Basic Shares Outstanding		 14.73M 14.83M 15.53M 15.40M 15.25M 15.18M 15.90M 15.78M 15.72M 15.68M 16.41M
Adjusted Diluted Earnings per Share		 $0.32 $0.38 $0.28 $0.29 $0.36 $0.32 $0.23 $0.35 $0.38 $0.32 $0.36
Adjusted Weighted Average Diluted Shares Outstanding		 14.73M 14.83M 15.53M 15.40M 15.25M 15.18M 15.90M 15.78M 15.72M 15.68M 16.41M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 14.73M 14.83M 15.53M 15.40M 15.25M 15.18M 15.90M 15.78M 15.72M 15.68M 16.41M
Normalized Net Operating Profit after Tax (NOPAT)		 4.62 6.88 4.28 4.42 5.49 5.85 3.67 5.47 6.01 5.98 5.91
Normalized NOPAT Margin		 26.17% 37.02% 25.35% 25.34% 30.43% 18.70% 21.10% 29.56% 32.49% 18.40% 31.18%
Pre Tax Income Margin		 35.51% 51.03% 35.22% 35.01% 42.42% 26.02% 28.49% 41.09% 35.57% 25.45% 40.18%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.63 3.43 1.87 1.72 2.01 2.16 1.39 2.10 1.78 2.09 2.03
NOPAT to Interest Expense		 1.94 2.49 1.34 1.25 1.45 1.55 1.03 1.51 1.63 1.51 1.57
EBIT Less CapEx to Interest Expense		 2.40 3.37 1.87 1.69 1.99 2.13 1.37 2.01 1.55 1.98 1.89
NOPAT Less CapEx to Interest Expense		 1.71 2.42 1.34 1.21 1.42 1.52 1.00 1.42 1.40 1.40 1.44
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.04% 0.03% 0.03% 0.03% 0.03% 0.03% 0.04% 0.04% 0.04% 0.04% 0.04%
Augmented Payout Ratio		 1.21% 0.70% 0.61% 6.17% 13.30% 18.82% 25.97% 22.88% 20.23% 22.52% 19.85%

Financials Breakdown Chart

Key Financial Trends

First Northern Community Bancorp (NASDAQ: FNRN) delivered a solid start to fiscal 2026, with quarterly net income of $5.9 million and diluted EPS of $0.36. The company remained profitable, generated positive operating cash flow, and ended the quarter with a very liquid balance sheet. That said, year-over-year profitability and revenue trends were softer, and deposits fell sequentially in the latest quarter.

  • Net income held at $5.9 million in Q1 2026, roughly flat with Q4 2025 and above Q1 2025’s $3.7 million.
  • Operating cash flow was strong at $4.25 million in Q1 2026, showing the core banking business continued to produce cash.
  • The balance sheet remains liquid, with cash and due from banks of $139.6 million and total assets of $1.92 billion.
  • Common equity improved to $213.8 million, up from $187.8 million in Q1 2025, supporting the capital base.
  • Tangible deposit funding remains a large part of the balance sheet, giving the company a stable liability structure typical of a community bank.
  • Net interest income increased modestly year over year to $17.2 million in Q1 2026 from $15.9 million in Q1 2025, helped by higher asset yields.
  • Revenue composition is still heavily driven by interest income, while non-interest income remains comparatively small and somewhat volatile.
  • Share count has risen over the past year, with weighted average basic shares up versus early 2025, which can dilute per-share growth.
  • Q1 2026 total revenue declined from the prior quarter to $18.9 million from $32.5 million in Q4 2025, reflecting weaker non-interest income and lower quarter-over-quarter momentum.
  • Deposits fell by $7.3 million in Q4 2025 after increasing in prior periods, suggesting funding stability is worth watching.
  • Operating expenses remain elevated; Q1 2026 non-interest expense was $11.0 million, limiting margin expansion.
  • Investment activity created sizable cash outflows in Q1 2026, with net investing cash flow of $(24.6) million.

Looking at the last four years of quarterly data, FNRN has generally been a consistent earner, with quarterly net income often ranging from the low $4 million area to around $7 million. However, the pattern also shows pressure from deposit costs, investment portfolio swings, and operating expense growth. Q1 2026 was profitable, but not a breakout quarter.

From a trend perspective, the most encouraging sign is that earnings and operating cash flow remain positive even after a period of balance-sheet reshuffling and fluctuating deposit levels. The main caution is that top-line growth has been uneven and some of the recent strength in profit still depends on managing funding costs and expense control rather than strong revenue acceleration.

07/10/26 08:56 PM ETAI Generated. May Contain Errors.

First Northern Community Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, First Northern Community Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

First Northern Community Bancorp's net income appears to be on an upward trend, with a most recent value of $21.13 million in 2025, rising from $6.92 million in 2015. The previous period was $20.03 million in 2024. See where experts think First Northern Community Bancorp is headed by visiting First Northern Community Bancorp's forecast page.

Over the last 10 years, First Northern Community Bancorp's total revenue changed from $37.88 million in 2015 to $86.89 million in 2025, a change of 129.4%.

First Northern Community Bancorp's total liabilities were at $1.70 billion at the end of 2025, a 1.0% decrease from 2024, and a 77.2% increase since 2015.

In the past 10 years, First Northern Community Bancorp's cash and equivalents has ranged from $111.49 million in 2019 to $345.93 million in 2021, and is currently $145.55 million as of their latest financial filing in 2025.

Over the last 10 years, First Northern Community Bancorp's book value per share changed from 8.37 in 2015 to 13.48 in 2025, a change of 61.0%.


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Financial statements for NASDAQ:FNRN last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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