Stocktoria

FIRST NORTHERN COMMUNITY BANCORP FNRN

Nasdaq · stock · Savings Institution, Federally Chartered · website · IPO 1996-03-11 · LEI

FIRST NORTHERN COMMUNITY BANCORP statistics & valuation

Market cap$290.7M
P / E13.8×
P / B1.4×
P / FCF55.9×
Dividend yield2.58%
Return on equity10.0%
Net cash$145.6M
Enterprise value USD$145.2M
Graham number +10.8%$19.12

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($19.12); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
8.70% 8.70% 11.20% 11.10% 8.10% 9.40% 12.70% 13.50% 11.40% 10.00% 2016201720182019202020212022202320242025
Shares outstanding
12.1M 12.9M 13.6M 13.6M 14.2M 14.9M 15.3M 16.1M 16.9M 16.6M 2016201720182019202020212022202320242025
Net debt ($)
-$159.6M -$152.9M -$116.0M -$111.5M -$267.2M -$345.9M -$119.4M -$145.6M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.70% 0.70% 1.00% 1.10% 0.70% 0.70% 0.80% 1.20% 1.10% 1.10% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
0.00× 0.00× 0.00× 0.00× 0.00× 0.00× 0.00× 0.00× 2016201720182019202020212022202320242025
EPS ($)
$0.66 $0.68 $0.93 $1.08 $0.85 $0.95 $1.04 $1.34 $1.19 $1.27 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

FIRST NORTHERN COMMUNITY BANCORP trades at about 13.6× earnings — above its 10-year norm (10-year range 5.6×–15×, median 9.6×).

5.6× 15×

Shaded band = 10-year range (5.6×–15×); dot = today's 13.6×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets1.1%1.1%1.2%0.8%0.7%0.7%1.1%1.0%0.7%0.7%
Return on equity10.0%11.4%13.5%12.7%9.4%8.1%11.1%11.2%8.7%8.7%
Debt / equity0.00×0.00×——0.00×0.00×0.00×0.00×0.00×0.00×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.