First Northern Community Bancorp
FNRNFinancial ServicesNASDAQBanks - Regional · Last scanned Jun 19, 2026
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Daily timeframeFirst 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. The company carries a $301.9M market cap, placing it firmly in the small-cap category. The company offers deposit products, including demand, interest-bearing transaction, savings and money market, and non-brokered time deposits.
Market Cap
$301.9M
Beta
0.02
P/E (TTM)
14.26
P/E (Fwd)
—
EPS (TTM)
$1.29
EPS (Fwd)
—
ROE
11.6%
ROA
1.2%
Cash
$149.8M
Total Debt
$5.6M
Free CF
—
52W Change
97.1%
Annual Financials
Cash vs Debt
With $149.8M in cash and $5.6M in debt, FNRN maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. ROE of 11.6% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.2% is on the lower side, which is common in asset-heavy industries. Revenue has been uneven over recent years, ranging from $61.6M to $73.6M.
FNRN's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. With cash comfortably exceeding debt, FNRN has financial flexibility that may help navigate uncertain periods. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for First Northern Community Bancorp and its sector.