Stocktoria
FIRST NORTHERN COMMUNITY BANCORP FNRN
FIRST NORTHERN COMMUNITY BANCORP (FNRN) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 2.58% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| FNRN | FIRST NORTHERN COMMUNITY BANCORP | 4/9 | — | 13.8 | — |
| NRIM | NORTHRIM BANCORP INC | 6/9 | — | 9.6 | +30.4% |
| EBC | Eastern Bankshares, Inc. | 3/9 | — | 57.9 | +19.1% |
| PFS | PROVIDENT FINANCIAL SERVICES INC | 5/9 | — | 10.6 | +7.1% |
| AX | Axos Financial, Inc. | 5/9 | — | 12.6 | +1.8% |
| BKU | BankUnited, Inc. | 7/9 | — | 13.3 | +7.4% |
| CFFN | Capitol Federal Financial, Inc. | 5/9 | — | 15.8 | +6.5% |
All Finance, Insurance & Real Estate companies →
About FIRST NORTHERN COMMUNITY BANCORP
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.
FAQ
Is FNRN financially healthy?
FIRST NORTHERN COMMUNITY BANCORP's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does FNRN pay a dividend, and is it safe?
Yes. FIRST NORTHERN COMMUNITY BANCORP pays a dividend yielding about 2.58% with a 35.5% payout ratio, rated “safe” for safety.
How profitable is FNRN?
In FY2025, FIRST NORTHERN COMMUNITY BANCORP had a return on equity of 10.0%.
Is FNRN overvalued or undervalued?
FIRST NORTHERN COMMUNITY BANCORP trades at about 13.6× trailing earnings — above its 10-year norm (10-year range 5.6×–15.0×, median 9.6×). Stocktoria reports the data, not buy/sell advice.
Is FNRN a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on FIRST NORTHERN COMMUNITY BANCORP: a Piotroski F-score of 4/9, a P/E of about 13.8×, a dividend yield of 2.58%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.