FIRST NORTHERN COMMUNITY BANCORP FNRN

Financials SIC 6035 - Savings Institution, Federally Chartered NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Savings Institutions and Other Depository Credit Intermediation derived Nasdaq

First Northern Community Bancorp (the "Company") is a bank holding company registered under the Bank Holding Company Act of 1956, as amended ("BHCA"). Its legal headquarters and principal administrative offices are located at 195 N. First Street, Dixon, CA 95620 and its telephone number is (707) 678-3041. The Company provides a full range of community banking services to individual and corporate customers throughout the California Counties of Solano, Yolo, Placer, and Sacramento as well as portions of El Dorado County through its wholly-owned subsidiary bank, First Northern Bank of Dixon ("First Northern" or the "Bank"). The Company's operating policy since inception has emphasized the banking needs of individuals and small- to medium-sized businesses. In addition, the Bank owns 100% of the capital stock of Yolano Realty Corporation, a subsidiary created for the purpose of managing selected other real estate owned properties.

Last close 16.81 2026-10-23
Market cap $275.6M 2026-06-30 share count
52-week range 14.41 - 19.25

Valuation FY2025 figures against the last close

P/S3.3x
P/E13.2x
P/FCF53.0x
EV/EBITDA—
Dividend yield2.7%
Diluted EPS1.27

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $82.3M$78.7M$74.1M$55.9M$47.2M$48.9M$49.0M$45.6M$40.0M$36.0M
Interest expense $67.5M$64.4M$66.5M$1.2M$912.0K$1.5M$1.9M$1.3M$1.1M$1.2M
Pre-tax income $27.4M$27.8M$29.6M$21.7M$19.4M$16.7M$20.4M$17.3M$17.1M$12.9M
Income tax $6.3M$7.8M$8.1M$5.8M$5.2M$4.5M$5.7M$4.7M$8.3M$4.9M
Net income $21.1K$20.0K$21.6K$15.9M$14.2M$12.2M$14.7M$12.6M$8.7M$8.1M
EPS, basic 1.301.201.351.050.960.861.100.940.690.67
EPS, diluted 1.271.191.341.040.950.851.080.930.680.66
Shares, diluted (wtd. avg.) 16.6M16.9M16.1M15.3M14.9M14.2M13.6M13.6M12.9M12.1M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $145.6M$119.4M$149.2M$187.4M$345.9M$267.2M$111.5M$116.0M$152.9M$159.6M
Property, plant and equipment $8.7M$9.2M$10.0M$6.1M$6.6M$6.5M$6.6M$6.6M$6.2M$7.3M
Goodwill —$0$0———————
Other intangibles $4.3M$3.3M$4.1M$0$0$0————
Total assets $1.91B$1.89B$1.87B$1.87B$1.90B$1.66B$1.29B$1.25B$1.22B$1.17B
Short-term debt $0$0————————
Long-term debt $0$0——$0$0$0$0$0$0
Total liabilities $1.70B$1.72B$1.71B$1.75B$1.75B$1.50B$1.16B$1.14B$1.12B$1.07B
Retained earnings $92.0M$81.3M$68.8M$54.5M$44.3M$37.1M$31.6M$23.9M$17.9M$14.6M
Total equity $212.0M$176.3M$159.2M$125.0M$150.9M$150.7M$132.9M$112.5M$100.0M$92.3M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $6.9M$19.5M$27.3M$21.8M$25.3M$12.6M$16.6M$15.7M$16.1M$9.7M
Depreciation and amortisation $996.0M$1.06B$1.0M$774.0K$764.0K$943.0K$721.0K$565.0K$600.0K$633.0K
Stock-based compensation $849.0K$846.0K$820.0K$655.0K$588.0K$574.0K$475.0K$424.0K$378.0K$286.0K
Capital expenditure $1.7M$343.0K$1.2M$344.0K$803.0K$862.0K$1.1M$963.0K$1.2M$926.0K
Investing cash flow $44.8M-$53.3M$83.6M-$178.8M-$186.4M-$201.5M-$35.2M-$72.5M-$64.0M-$166.5M
Financing cash flow -$25.6M$4.0M-$149.1M-$1.5M$239.9M$344.6M$14.1M$20.0M$41.1M$115.7M
Dividends paid $7.5M$6.4M————————
Buybacks $4.7M$3.8M$143.0K$187.0K$5.4M$0————

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001437749-26-011866.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 25M 50M 75M 100M Revenue, FY2016: 36M Net income, FY2016: 8.1M Revenue, FY2017: 40M Net income, FY2017: 8.7M Revenue, FY2018: 45.6M Net income, FY2018: 12.6M Revenue, FY2019: 49M Net income, FY2019: 14.7M Revenue, FY2020: 48.9M Net income, FY2020: 12.2M Revenue, FY2021: 47.2M Net income, FY2021: 14.2M Revenue, FY2022: 55.9M Net income, FY2022: 15.9M Revenue, FY2023: 74.1M Net income, FY2023: 21.6K Revenue, FY2024: 78.7M Net income, FY2024: 20K Revenue, FY2025: 82.3M Net income, FY2025: 21.1K FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $36.0M $40.0M $45.6M $49.0M $48.9M $47.2M $55.9M $74.1M $78.7M $82.3M
Gross profit — — — — — — — — — —
Net income $8.1M $8.7M $12.6M $14.7M $12.2M $14.2M $15.9M $21.6K $20.0K $21.1K

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Regulation FD disclosure Item 7.01
  • Other event Item 8.01
  • Other event Item 8.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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