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Home CompaniesFirst Northern Community Bancorp Common stock

First Northern Community Bancorp Common stock

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
16.5 USD -0.18 ( 1.08%)
Last update at 2026-11-10T21:00:00Z
VOLUME
801208
Market Cap
248.11M
P/E
13.26

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
15.72
Low
16.90
High
52 Week Price Range
9.08
Low
15.94
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

First Northern Community Bancorp is the bank holding company for First Northern Bank, a California-based community bank serving local businesses and households with lending, deposit and treasury services. Long-term growth may be supported by regional loan and deposit expansion, net interest margin improvement, and modest branch or product growth, which could appeal to investors seeking a relationship-focused local franchise.
Material risks include concentration in a regional economy, exposure to commercial real estate and small-business lending, sensitivity to interest-rate and deposit funding shifts, and competitive and regulatory pressures.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
16.68
Dividend Yield
-
Revenue TTM
73.57M
Revenue Per Share
4.52
Gross Profit TTM
73.57M
Debt / Equity
-
ROE
10.88%
Net Debt
-
ROCE
15.00%
Diluted EPS TTM
1.14

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 27.41M 27.84M 29.65M 21.67M 19.43M
Net income 21.13M 20.03M 21.55M 15.88M 14.19M
Selling general administrative 26.17M 24.62M 26.71M 39.06M 36.20M
Gross profit - - - 60.73M 55.63M
Reconciled depreciation 2.65M 2.79M 2.91M 1.88M 1.82M
Ebit - - - 21.67M 19.43M
Operating income - - - 21.67M 19.43M
Other operating expenses - - - 6.73M 5.69M
Interest expense 14.84M 14.29M 7.58M 1.19M 0.91M
Tax provision 6.28M 7.81M 8.09M 5.78M 5.24M
Interest income 82.31M 78.65M 74.12M 55.88M 47.18M
Net interest income 67.47M 64.36M 66.54M 54.70M 46.26M
Income tax expense - - - 5.78M 5.24M
Total revenue 73.57M 70.38M 72.98M 60.73M 55.63M
Total operating expenses - - - 39.06M 36.20M
Net income from continuing ops 21.13M 20.03M 21.55M 15.88M 14.19M
Net income applicable to common shares - - - 15.88M 14.19M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 1910.95M 1891.72M 1871.83M 1871.36M 1899.09M
Intangible assets 5.49M 4.63M 5.62M 1.65M 1.53M
Other current assets - - - 20.95M 13.27M
Total liab 1698.93M 1715.39M 1712.59M 1746.32M 1748.18M
Total stockholder equity 212.02M 176.33M 159.25M 125.04M 150.91M
Other current liab - - - 1726.87M 1728.30M
Common stock - - - 116.10M 109.79M
Capital stock 134.57M 127.90M 123.23M 116.10M 109.79M
Retained earnings 91.95M 81.30M 68.76M 54.49M 44.34M
Other liab - - - 13.93M 14.17M
Other assets - - - 1009.91M 40.24M
Cash 155.73M 135.52M 168.92M 187.42M 345.93M
Total current liabilities - - - 1726.87M 1728.30M
Short long term debt - - - - 0.00M
Other stockholder equity - - - -46.53M -4.20M
Property plant equipment - - - 6.12M 6.55M
Total current assets - - - 1237.71M 1252.16M
Long term investments 617.24M 633.85M 572.36M 618.09M 633.28M
Net tangible assets - - - 125.04M 150.91M
Short term investments 418.87M 633.85M 572.36M 618.09M 632.21M
Net receivables 7.35M 7.66M 6.81M 1029.34M 892.96M
Accounts payable - - 20.14M 19.45M 1728.30M
Common stock total equity - - - 116.10M 109.79M
Retained earnings total equity - - - 54.49M 44.34M
Non currrent assets other - - - 9.44M 7.10M
Non current assets total - - - 633.65M 646.92M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 44.01M -62.50M 61.42M -278.05M -288.62M
Change to liabilities - - - -1.12M -1.69M
Total cashflows from investing activities - - - -178.78M -186.38M
Net borrowings 0.00M 0.00M - - -5.00M
Total cash from financing activities -25.61M 3.98M -149.11M -1.51M 239.85M
Change to operating activities - - - 0.94M -0.95M
Net income 21.13M 20.03M 21.55M 15.88M 14.19M
Change in cash 26.11M -29.76M -38.21M -158.51M 78.75M
Begin period cash flow 119.45M 149.21M 187.42M 345.93M 267.18M
End period cash flow 145.55M 119.45M 149.21M 187.42M 345.93M
Total cash from operating activities 6.90M 19.54M 27.30M 21.78M 25.27M
Issuance of capital stock 0.09M 0.10M 0.10M 0.12M 0.10M
Depreciation 2.65M 2.79M 2.91M 5.09M 5.16M
Other cashflows from investing activities - - - 99.61M 103.04M
Dividends paid -0.01M -0.01M -0.01M 0.01M 0.01M
Change to account receivables -6.04M -0.41M -0.96M -0.98M 0.00M
Sale purchase of stock -4.75M -3.76M -0.14M -0.07M -5.28M
Other cashflows from financing activities - - - -1.44M 250.13M
Change to netincome - - - 1.93M 6.45M
Capital expenditures 1.70M 0.34M 1.22M 0.34M 0.80M
Change receivables - - - -0.98M -
Cash flows other operating - - - 0.98M 1.17M
Cash and cash equivalents changes - - - -158.51M 78.75M
Change in working capital -0.16M -4.89M -0.08M -0.04M -1.69M
Stock based compensation 0.85M 0.85M 0.82M 0.66M 0.59M
Other non cash items -14.76M -0.01M -0.54M -1.13M 7.78M
Free cash flow 5.20M 19.19M 26.08M 21.44M 24.47M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
FNRN
First Northern Community Bancorp Common stock		 -0.18
1.08%		 16.50 13.26 12.38 3.37 1.18 3.40
DBSDY
DBS Group Holdings Ltd ADR		 -1.20
0.54%		 219.05 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.69 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 -0.15
0.43%		 34.53 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.36
0.39%		 90.94 11.53 10.27 5.72 1.83 8.22

Profile*

First Northern Community Bancorp Common stock

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.

195 North First Street, Dixon, CA, United States, 95620

707 678 3041

https://www.thatsmybank.com

204

Name Title Year Born
Mr. Jeremiah Z. Smith Sr. EVP & COO 1976
Ms. Louise A. Walker Pres, CEO & Director 1961
Mr. Terry Joe Danelson Exec. VP & Chief Credit Officer 1958
Mr. Kevin M. Spink CPA Exec. VP & CFO 1980
Ms. Denise Burris Exec. VP & Chief Information Officer NA
Ms. Devon Camara-Soucy VP & Corp. Sec. NA
Libby Feyh Sr. VP & HR Director NA
Ms. Kimberly A. DeBra Exec. VP & Chief Communications Officer 1962
Ms. Cathleen Gorham Sr. VP & Operations Administrator 1966
Mr. Jeffrey R. Adamski Exec. VP & Sr. Loan Officer 1958

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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