YOLFTbeta
First Northern Community Bancorp Common stock

First Northern Community Bancorp Common stock

FNRN · NASDAQ · Financial Services / Banks - Regional

17.30USD+0.30 (+1.76%)

Price History

Full chart

Market Stats

Previous Close17.00
Open17.08
Day Range17.00 – 17.65
52-Week Range11.88 – 19.25
Volume156.40K
Market Cap281.51M
P/E (TTM)13.21
Forward P/E12.38
EPS1.30
Dividend Yield0.00%
Beta0.01
50-Day Avg17.57
200-Day Avg15.81

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Jeremiah Z. Smith
  • Employees204
  • Headquarters195 North First Street, Dixon, CA, United States, 95620, USA
  • Websitehttps://www.thatsmybank.com

Leadership

  • Mr. Jeremiah Z. SmithCEO, President & Director · b. 1976
  • Mr. Kevin M. Spink CPAExecutive VP & CFO · b. 1979
  • Mr. Brett HamiltonExecutive VP & Chief Credit Officer · b. 1978
  • Duane SwizerEVP & Chief Information Officer
  • Ms. Devon Camara-SoucyDirector of Administration & Shareholder Relations
  • Mr. Matthew AyersSenior VP & Chief Compliance Officer
  • Mr. Mike WebberSenior Vice President & Director of Marketing and Communications
  • Ms. Katelyn MorrisSenior VP & Director of Human Resources

Financials

Income Statement

Currency: USD2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue32.58M33.05M33.91M37.49M36.83M46.62M53.36M55.75M46.67M41.62M39.08M38.17M37.70M38.16M37.06M39.04M43.24M48.15M52.83M56.19M56.67M55.04M62.81M80.56M84.67M88.40M
Growth (%)-+1.45%+2.61%+10.54%-1.74%+26.58%+14.45%+4.49%-16.30%-10.82%-6.10%-2.33%-1.23%+1.21%-2.87%+5.32%+10.78%+11.33%+9.72%+6.37%+0.86%-2.88%+14.13%+28.25%+5.10%+4.41%
Cost of Revenue8.99M8.01M4.76M5.26M3.63M6.33M10.16M16.53M22.54M15.45M8.52M7.61M5.08M2.46M3.09M1.80M2.96M1.68M3.37M1.86M4.53M-588.00K2.09M8.68M14.04M14.84M
Gross Profit23.59M25.04M29.16M32.22M33.20M40.29M43.20M39.22M24.13M26.17M30.56M30.56M32.62M35.69M33.97M37.23M40.29M46.47M49.46M54.33M52.14M55.63M60.73M71.88M70.63M73.57M
Gross Margin72.40%75.76%85.97%85.96%90.14%86.42%80.96%70.35%51.70%62.88%78.20%80.05%86.53%93.54%91.66%95.38%93.16%96.51%93.62%96.69%92.00%101.07%96.68%89.22%83.42%83.22%
Operating Expense15.89M16.94M20.57M22.87M22.94M26.81M29.22M28.80M29.14M30.07M27.89M26.76M26.25M27.46M25.31M26.57M27.35M29.40M32.16M33.94M35.48M36.20M39.06M42.23M42.79M46.16M
Operating Income7.70M8.10M8.59M9.36M10.26M13.48M13.98M10.42M-5.01M-3.90M2.67M3.80M6.37M8.24M8.66M10.66M12.94M17.07M17.30M20.39M16.66M19.43M21.67M29.65M27.84M27.41M
Operating Margin23.64%24.52%25.33%24.96%27.85%28.91%26.20%18.69%-10.73%-9.37%6.84%9.94%16.89%21.59%23.36%27.31%29.91%35.45%32.74%36.29%29.40%35.29%34.49%36.80%32.88%31.00%
EBITDA8.75M9.10M9.97M10.71M11.60M14.52M15.02M11.53M-4.01M-2.34M3.46M4.53M7.07M8.93M9.33M11.30M13.57M17.67M17.86M21.98M18.88M21.25M23.54M32.55M30.64M29.33M
EBITDA Margin26.86%27.53%29.39%28.57%31.49%31.15%28.15%20.68%-8.59%-5.62%8.84%11.86%18.75%23.40%25.18%28.95%31.38%36.69%33.81%39.11%33.31%38.61%37.48%40.41%36.18%33.17%
Net Income5.04M5.33M5.72M6.11M6.71M8.69M8.81M7.28M-1.37M-1.05M2.67M2.66M4.65M5.38M5.87M6.92M8.05M8.75M12.55M14.72M12.16M14.19M15.88M21.55M20.03M21.13M
Net Income Margin15.48%16.12%16.86%16.30%18.21%18.63%16.51%13.06%-2.94%-2.53%6.82%6.98%12.32%14.11%15.84%17.73%18.62%18.17%23.76%26.20%21.46%25.77%25.29%26.75%23.66%23.90%
Interest Expense8.99M8.32M4.24M3.11M3.43M5.73M9.43M11.74M6.38M4.96M3.61M2.48M1.80M1.26M1.29M1.15M1.16M1.08M1.27M1.86M1.48M912.00K1.19M7.58M14.29M14.84M
Interest Expense % of Total Revenue27.60%25.17%12.49%8.29%9.30%12.29%17.67%21.05%13.66%11.92%9.23%6.49%4.78%3.32%3.48%2.96%2.68%2.24%2.40%3.31%2.62%1.66%1.89%9.41%16.88%16.78%

Balance Sheet

Currency: USD2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets391.63M439.83M495.22M558.71M629.50M660.65M685.23M709.89M670.80M747.63M737.22M781.15M831.48M897.67M957.88M1.04B1.17B1.22B1.25B1.29B1.66B1.90B1.87B1.87B1.89B1.91B
Total Liabilities355.09M398.28M451.78M511.74M577.60M603.85M623.24M645.92M608.77M669.53M657.62M693.45M739.16M812.76M865.83M958.78M1.07B1.12B1.14B1.16B1.50B1.75B1.75B1.71B1.72B1.70B
Total Equity36.54M41.56M43.44M46.97M51.90M56.80M61.99M63.98M62.03M78.09M79.60M87.70M92.33M84.91M92.05M85.85M92.30M100.04M112.46M132.91M150.66M150.91M125.04M159.25M176.33M212.02M
Cash34.66M16.90M31.19M33.84M25.40M35.51M35.53M52.09M25.15M147.08M139.71M140.17M161.36M177.25M229.05M217.45M175.86M154.88M123.63M126.19M284.10M359.20M208.37M168.92M135.52M145.55M
Total Debt-3.45M3.38M9.57M15.46M14.97M10.98M15.83M18.26M11.81M10.53M7.00M--------5.00M5.66M5.42M8.13M6.24M5.79M
Net Debt-34.66M-13.45M-27.80M-24.27M-9.94M-20.54M-24.55M-36.26M-6.89M-135.26M-129.18M-133.17M-161.36M-177.25M-229.05M-217.45M-175.86M-154.88M-123.63M-126.19M-279.10M-353.54M-202.94M-168.92M-135.52M-139.76M

Cash Flow

Currency: USD2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow12.21M-1.91M-25.55M39.41M10.57M9.21M9.88M8.34M11.14M6.97M12.71M8.13M14.33M16.22M10.44M13.55M9.71M16.09M15.68M16.56M12.59M25.27M21.78M27.19M19.54M6.90M
Investing Cash Flow-46.28M-18.68M-26.96M-41.40M-61.43M-23.59M-48.34M-24.63M-7.47M-3.06M-6.90M-47.07M-36.95M-62.77M-11.86M-107.22M-166.51M-63.96M-72.49M-35.21M-201.54M-186.38M-178.78M83.72M-53.28M44.82M
Financing Cash Flow11.62M40.26M45.09M59.85M62.81M20.36M13.76M17.32M-36.69M77.16M-13.18M39.41M43.80M62.37M53.21M78.27M115.66M41.11M19.95M14.11M344.63M239.85M-1.51M-149.11M3.98M-25.61M
Capital Expenditure816.00K1.22M2.04M748.00K713.00K1.56M784.00K569.00K812.00K727.00K1.38M593.00K480.00K271.00K532.00K436.00K926.00K1.23M963.00K1.06M862.00K803.00K344.00K1.22M343.00K1.70M
Free Cash Flow11.40M-3.13M-27.59M38.66M9.86M7.64M9.10M7.77M10.33M6.24M11.33M7.54M13.85M15.95M9.91M13.12M8.78M14.87M14.72M15.51M11.73M24.47M21.44M25.97M19.19M5.20M
Dividends Paid6.00K7.00K13.00K13.00K12.00K15.00K15.00K13.00K9.00K701.00K870.00K953.00K1.14M681.00K135.00K111.00K5.00K10.00K10.00K8.00K8.00K8.00K8.00K7.00K7.00K8.00K
FCF to OCF93.32%163.84%107.99%98.10%93.25%83.02%92.07%93.18%92.71%89.57%89.15%92.71%96.65%98.33%94.91%96.78%90.46%92.39%93.86%93.62%93.15%96.82%98.42%95.51%98.24%75.36%
Dividend Paid to FCF0.05%-0.22%-0.05%0.03%0.12%0.20%0.16%0.17%0.09%11.23%7.68%12.64%8.24%4.27%1.36%0.85%0.06%0.07%0.07%0.05%0.07%0.03%0.04%0.03%0.04%0.15%

Earnings

Report DateJun 30, 2000Sep 30, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Mar 31, 2003Jun 30, 2003Sep 30, 2003Dec 31, 2003Mar 31, 2004Jun 30, 2004Sep 30, 2004Dec 31, 2004Mar 31, 2005Jun 30, 2005Sep 30, 2005Dec 31, 2005Mar 31, 2006Jun 30, 2006Sep 30, 2006Dec 31, 2006Mar 31, 2007Jun 30, 2007Sep 30, 2007Dec 31, 2007Mar 31, 2008Jun 30, 2008Sep 30, 2008Dec 31, 2008Mar 31, 2009Jun 30, 2009Sep 30, 2009Dec 31, 2009Mar 31, 2010Jun 30, 2010Dec 31, 2010Mar 22, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012May 12, 2012Jul 30, 2012Oct 30, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Dec 31, 2016Mar 31, 2017Jun 30, 2017Sep 30, 2017Dec 31, 2017Mar 8, 2018May 9, 2018Aug 1, 2018Nov 7, 2018Mar 8, 2019May 8, 2019Aug 7, 2019Nov 6, 2019Mar 5, 2020May 7, 2020Aug 5, 2020Nov 4, 2020Mar 8, 2021May 7, 2021Aug 5, 2021Nov 4, 2021Mar 14, 2022May 12, 2022Jul 29, 2022Oct 26, 2022Jan 27, 2023Apr 27, 2023Jul 27, 2023Oct 26, 2023Dec 31, 2023Mar 31, 2024Jun 30, 2024Sep 30, 2024Jan 29, 2025May 9, 2025Aug 5, 2025Oct 29, 2025Dec 31, 2025Mar 31, 2026Jul 29, 2026Nov 4, 2026
EPS Estimate-----------------------------------------------------------------------------------------------0.000.00------
EPS Actual0.060.070.070.070.070.070.080.090.090.090.090.080.080.090.100.110.090.130.130.120.130.130.120.080.120.110.120.070.00-0.050.06-0.090.020.020.02-0.170.010.020.050.040.040.03-0.010.060.070.070.070.090.100.090.080.100.100.120.120.110.130.130.140.130.150.150.170.190.190.210.070.070.220.240.280.270.320.280.300.280.210.210.270.210.230.240.330.190.220.260.330.280.380.310.320.380.250.260.320.360.230.350.380.340.360.29-
Surprise-------------------------------------------------------------------------------------------------------
Timing---------------------------------------After-hours----Pre-market-After-hours---------------------------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours----After-hours-After-hoursAfter-hours----

Key Statistics & Ratios

Market Cap281.51M
Enterprise Value162.89M
Trailing P/E13.21
Forward P/E12.38
PEG Ratio0.14
Price / Sales3.74
Price / Book1.29
EPS1.30
Book Value13.25
Revenue (TTM)75.35M
Gross Profit (TTM)75.35M
Profit Margin30.03%
Operating Margin35.56%
Return on Equity10.98%
Return on Assets1.19%
Shares Outstanding16.40M
Shares Float13.55M
Beta0.01
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Ownership Breakdown

Institutions
34.72%
Insiders
9.32%
Retail / Other
55.96%

Top Institutional Holders

  • Fourthstone LLC
    1.15M7.01%
  • Buckingham Strategic Partners
    383.69K2.34%
  • Banc Funds Co LLC
    234.18K1.43%
  • GRAHAM CAPITAL WEALTH MANAGEMENT, LLC
    44.46K0.27%
  • PL Capital Advisors, LLC
    20.32K0.12%
  • HoldCo Asset Management, L.P.
    15.76K0.10%
  • Citadel Advisors Llc
    14.09K0.09%
  • Golden State Wealth Management, LLC
    9.12K0.06%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    468.20K2.86%
  • iShares Russell 2000 ETF
    369.19K2.25%
  • Fidelity Small Cap Index
    157.82K0.96%
  • iShares Russell 2000 Value ETF
    138.28K0.84%
  • Avantis US Small Cap Value ETF
    134.99K0.82%
  • Vanguard Russell 2000 ETF
    86.21K0.53%
  • First Trust Dow Jones Sel MicroCap ETF
    65.55K0.40%
  • Fidelity Extended Market Index
    64.68K0.39%
  • iShares Micro-Cap ETF
    51.65K0.32%
  • Schwab Small Cap Index
    36.33K0.22%
  • iShares Russell 2000 Small-Cap Idx Instl
    28.09K0.17%
  • Fidelity Total Market Index
    26.44K0.16%

Stock Splits

  • Feb 27, 2026105:100
  • Feb 28, 2025105:100
  • Feb 28, 2024105:100
  • Feb 27, 2023105:100
  • Feb 25, 2022105:100
  • Feb 27, 2018104:100
  • Feb 25, 2015104:100
  • Feb 26, 2014103:100
  • Feb 28, 201351:50
  • Feb 27, 2012101:100
  • Feb 25, 2009104:100
  • Feb 27, 2008106:100
  • Feb 27, 2007106:100
  • Feb 24, 2006106:100
  • May 12, 20052:1
  • Feb 24, 2005106:100
  • Feb 25, 2004106:100
  • Feb 26, 2003106:100
  • Feb 26, 2002106:100
  • Feb 26, 2001106:100