First Northern Community Bancorp logo

First Northern Community Bancorp

FNRN

NASDAQFinancial ServicesBanks - Regional

Previous close

$17.50

+$0.06 · +0.34%

Aug 21, 4:00 PM ET

FNRN company overview

Regular session · ET · Market data may be delayed.

Company profile

Company website

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.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Jeremiah Z. Smith
Listed since
Jan 5, 1999
Employees
204

Market position

Day range

Current $17.50

52-week range

Current $17.50

Open
$17.50
Previous close
$17.44
Volume
197.12K
1.34× average
Average volume
147.11K
Average daily volume
Market cap
287.12M USD
Beta
0.02
Market reference 1
50-day average
$17.937
-2.44% below average
200-day average
$15.2912
+14.44% above average

Financials

Financial snapshot

Latest / TTM

Financial health

Altman Z-score
0.73
Piotroski F-score
5 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends109%78%47%16%Gross margin, FY2021: 101.07%Gross margin, FY2022: 96.68%Gross margin, FY2023: 89.22%Gross margin, FY2024: 83.42%Gross margin, FY2025: 83.22%Operating margin, FY2021: 35.29%Operating margin, FY2022: 34.49%Operating margin, FY2023: 36.80%Operating margin, FY2024: 32.88%Operating margin, FY2025: 31.00%Net margin, FY2021: 25.77%Net margin, FY2022: 25.29%Net margin, FY2023: 26.75%Net margin, FY2024: 23.66%Net margin, FY2025: 23.90%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 101.07%. Gross margin FY2022 96.68%. Gross margin FY2023 89.22%. Gross margin FY2024 83.42%. Gross margin FY2025 83.22%. Operating margin FY2021 35.29%. Operating margin FY2022 34.49%. Operating margin FY2023 36.80%. Operating margin FY2024 32.88%. Operating margin FY2025 31.00%. Net margin FY2021 25.77%. Net margin FY2022 25.29%. Net margin FY2023 26.75%. Net margin FY2024 23.66%. Net margin FY2025 23.90%.

Income trends

Revenue

88.4M USD+4.41%

Operating income

27.41M USD-1.56%

Net income

21.13M USD+5.46%
Income trends across reported periods95.83M USD66.14M USD36.45M USD6.76M USDRevenue, FY2021: 55.04M USDRevenue, FY2022: 62.82M USDRevenue, FY2023: 80.56M USDRevenue, FY2024: 84.67M USDRevenue, FY2025: 88.4M USDOperating income, FY2021: 19.43M USDOperating income, FY2022: 21.67M USDOperating income, FY2023: 29.65M USDOperating income, FY2024: 27.84M USDOperating income, FY2025: 27.41M USDNet income, FY2021: 14.19M USDNet income, FY2022: 15.88M USDNet income, FY2023: 21.55M USDNet income, FY2024: 20.03M USDNet income, FY2025: 21.13M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 55.04M USD. Revenue FY2022 62.82M USD. Revenue FY2023 80.56M USD. Revenue FY2024 84.67M USD. Revenue FY2025 88.4M USD. Operating income FY2021 19.43M USD. Operating income FY2022 21.67M USD. Operating income FY2023 29.65M USD. Operating income FY2024 27.84M USD. Operating income FY2025 27.41M USD. Net income FY2021 14.19M USD. Net income FY2022 15.88M USD. Net income FY2023 21.55M USD. Net income FY2024 20.03M USD. Net income FY2025 21.13M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue88.4M USD84.67M USD80.56M USD62.82M USD55.04M USD
Cost of goods sold14.84M USD14.04M USD8.68M USD2.09M USD−588K USD
Gross profit73.57M USD70.63M USD71.88M USD60.73M USD55.63M USD
Selling, general, and administrative26.17M USD24.62M USD26.72M USD24.99M USD23.43M USD
Operating expenses46.16M USD42.79M USD42.23M USD39.06M USD36.2M USD
Interest income82.31M USD78.65M USD74.12M USD55.88M USD47.18M USD
Interest expense14.84M USD14.29M USD7.58M USD1.19M USD912K USD
Depreciation and amortization1.92M USD2.8M USD2.91M USD1.88M USD1.82M USD
Operating income27.41M USD27.84M USD29.65M USD21.67M USD19.43M USD
Net income21.13M USD20.03M USD21.55M USD15.88M USD14.19M USD

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
0.29

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates0.420.350.270.2Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Oct 29, 2024: actual 0.34, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 7, 2025: actual 0.352, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 29, 2025: actual 0.23, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 29, 2025: actual 0.35, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Oct 29, 2025: actual 0.38, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 29, 2026: actual 0.34, estimate —, surprise —, Comparison unavailable. Q2 2026, reported Apr 29, 2026: actual 0.36, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 29, 2026: actual 0.29, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates24.06M22.58M21.1M19.61MQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Oct 29, 2024: actual 21.45M USD, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 7, 2025: actual 22.95M USD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 29, 2025: actual 20.54M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 29, 2025: actual 21.82M USD, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Oct 29, 2025: actual 21.69M USD, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 29, 2026: actual 23.14M USD, estimate —, surprise —, Comparison unavailable. Q2 2026, reported Apr 29, 2026: actual 22.35M USD, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 29, 2026: actual 22.57M USD, estimate —, surprise —, Comparison unavailable.

FNRN news

Corporate actions

Corporate action history

Stock split

Effective Feb 27, 2026

21:20

Stock split

Effective Feb 28, 2025

21:20

Stock split

Effective Feb 28, 2024

21:20

Stock split

Effective Feb 27, 2023

21:20

Stock split

Effective Feb 25, 2022

21:20

Stock split

Effective Feb 25, 2021

21:20

FNRN peers

Continue in GoAI

Research FNRN

research.disclaimer