NASDAQ: FNRNFirst Northern Community Bancorp Stock
$17.28+0.06 (+0.35%)
Updated Sep 9, 2026
FNRN Price
$17.28
Fair Value Price
$29.47
Market Cap
$283.31M
52 Week Low
$14.41
52 Week High
$19.25
P/E
12.52x
P/B
1.3x
P/S
3.91x
PEG
2.28x
Dividend Yield
N/A
Revenue
$75.35M
Earnings
$22.63M
Gross Margin
100%
Operating Margin
38.06%
Profit Margin
30%
Debt to Equity
7.87
Operating Cash Flow
$9M
Beta
0.1
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A
FNRN Overview
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.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine FNRN's potential to beat the market
DSell
- Stocks with a Zen Rating of Sell (D) had an average loss of -6.47% per year. Learn More
Zen Rating Component Grades
B
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
C
FNRN
Ranked#270 of 287
Ranked#270 of 287
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $25.74 | B | |
| $79.17 | B | |
| $9.14 | B |
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FNRN News
Overview
Due Diligence Score
–
Industry Average (38)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how FNRN scored across 33 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
FNRN ($17.28) is undervalued by 41.35% relative to our estimate of its Fair Value price of $29.47 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
FNRN ($17.28) is significantly undervalued by 41.35% relative to our estimate of its Fair Value price of $29.47 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
FNRN ($17.28) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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Valuation
FNRN fair value
Fair Value of FNRN stock based on Discounted Cash Flow (DCF)
Price
$17.28
Fair Value
$29.47
Undervalued by
41.35%
FNRN ($17.28) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
FNRN ($17.28) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
FNRN ($17.28) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
FNRN price to earnings (PE)
For valuing profitable companies with steady earnings
Company
12.52x
Industry
14.09x
Market
40.8x
FNRN is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
FNRN is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
FNRN price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.3x
Industry
1.32x
FNRN is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
FNRN price to earnings growth (PEG)
For valuing profitable companies with growth potential
FNRN is poor value relative... subscribe to Premium to read more.
PEG Value Valuation
FNRN's financial health
Profit margin
Revenue
$18.2M
Net Income
$4.7M
Profit Margin
26%
FNRN's Earnings (EBIT) of $28.68M... subscribe to Premium to read more.
Interest Coverage Financials
FNRN's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$1.9B
Liabilities
$1.7B
Debt to equity
7.87
FNRN's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
FNRN's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$3.5M
Investing
-$26.6M
Financing
-$3.1M
FNRN's operating cash flow ($8.66M)... subscribe to Premium to read more.
Debt Coverage Financials
FNRN vs Bank Stocks
First Northern Community Bancorp Stock FAQ
Company
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