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FIRST NORTHERN COMMUNITY BANCORP

FNRN

$16.60 ▼ -1.19 (-6.69%) at close

18 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

FIRST NORTHERN COMMUNITY BANCORP shows strong fundamentals with top-quartile Profit Margin (%) and Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $270.4M

Dividend Yield —

Revenue Growth 4.5% ↗

Op. Margin 37.3% ↘

ROIC None

FCF / Share None

Trailing P/E 12.8x

Price / Book 1.3x

FCF Yield —

Debt / Equity 0.00

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$73.57M

↑ +4.5% —

Net Income Profit after all expenses

$21.13M

↑ +5.5% —

Operating Margin Operating profit as % of sales

37.3%

↓ -5.8% 92th

Long-Term Debt Long-term obligations

$0.00

— —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↑

Financial Health

Financial view

Statement lens

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	4.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-24%)	-5.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-190%)	20.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+245%)	13.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+131%)	-1.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-132%)	1.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-74%)	5.4% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-10%)	9.5% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+59%)	11.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+97%)	11.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+85%)	2.3% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-62%)	0.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-94%)	2.8% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-54%)	0.6% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-91%)	0.6% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-90%)	-3.2% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-154%)	—	—
EPS Growth YoY (%)	8.3% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-15.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	35.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	4.0% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	12.2% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-18.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	11.1% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	30.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	8.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	12.9% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	12.7% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	12.2% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	36.1% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	157.1% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-22.2% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—
Net Income Growth YoY (%)	5.5% Fair ↓ Fair Declining Year-over-year change in net income	-7.1% Weak ↓ Weak Declining Year-over-year change in net income	35.7% Excellent ↑ Excellent Improving Year-over-year change in net income	12.0% Fair ↑ Fair Improving Year-over-year change in net income	16.7% Good ↑ Good Improving Year-over-year change in net income	-17.4% Weak ↓ Weak Declining Year-over-year change in net income	17.3% Good ↓ Good Declining Year-over-year change in net income	43.5% Excellent ↑ Excellent Improving Year-over-year change in net income	8.7% Fair ↓ Fair Declining Year-over-year change in net income	16.3% Good ↑ Good Improving Year-over-year change in net income	17.9% Good ↓ Good Declining Year-over-year change in net income	9.0% Fair ↓ Fair Declining Year-over-year change in net income	15.9% Good ↓ Good Declining Year-over-year change in net income	74.4% Excellent Excellent Year-over-year change in net income	-0.0% Weak Weak Year-over-year change in net income	N/M	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	6.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	9.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	10.5% Good ↑ Good Improving Compound annual revenue growth over 3 years	4.3% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	1.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	5.5% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	8.9% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	10.8% Good ↑ Good Improving Compound annual revenue growth over 3 years	8.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.5% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	1.8% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	1.2% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	1.3% Weak Weak Compound annual revenue growth over 3 years	-0.7% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	5.9% Fair → Fair Stable Compound annual revenue growth over 5 years	5.3% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.6% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.5% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.2% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.8% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	8.0% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.9% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.6% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	3.3% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.3% Caution Caution Compound annual revenue growth over 5 years	0.2% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	7.4% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	5.9% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	16.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-1.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	0.7% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	5.8% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	16.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	16.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	11.4% Good ↓ Good Declining Compound annual EPS growth over 3 years	12.6% Good ↓ Good Declining Compound annual EPS growth over 3 years	19.9% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	57.8% Excellent Excellent Compound annual EPS growth over 3 years	39.6% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	37.3% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	39.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	39.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	35.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	22.9% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.0% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.3% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.7% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	28.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	28.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	29.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	25.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	26.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	22.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	27.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	24.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	18.6% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	19.1% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	18.3% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	15.9% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	14.6% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	12.9% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	7.5% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	7.5% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	-2.9% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-113%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—
Return on Common Equity (%) (%)	10.0% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	11.4% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-5%)	13.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+13%)	12.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+6%)	9.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	8.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	11.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	11.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-7%)	8.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	8.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	8.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	6.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-47%)	6.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-47%)	5.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-58%)	3.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-75%)	3.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	-1.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-111%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	—	0.00x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$4.52	$4.22	$4.90	$4.08	$3.85	$4.10	$4.05	$4.05	$4.09	$3.67	$3.44	$3.52	$3.80	$3.71	$3.82	$3.82	—	—
Basic EPS, GAAP (USD)	$1.30	$1.20	$1.42	$1.05	$1.01	$0.90	$1.10	$0.99	$0.76	$0.70	$0.62	$0.55	$0.49	$0.36	$0.14	$0.18	$-0.20	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$12.92	$11.06	$10.29	$8.53	$10.90	$11.05	$10.29	$9.18	$8.60	$8.28	$8.04	$9.02	$8.94	$9.96	$9.59	$8.57	—	—
Tangible Book Value per Share (USD)	$12.92	$11.06	$10.29	$8.53	$10.90	$11.05	$10.29	$9.18	$8.60	$8.28	$8.04	$9.02	$8.94	$9.96	$9.59	$8.57	—	—
Basic Weighted Avg Shares (shares)	16.29M	16.66M	15.19M	15.09M	14.05M	13.46M	13.41M	12.73M	11.51M	11.48M	11.00M	10.52M	9.70M	9.67M	9.34M	9.29M	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$0.00	$0.00	—	—	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	—	—	—	—	—	—
Total Equity (USD)	$212.02M	$176.33M	$159.25M	$125.04M	$150.91M	$150.66M	$132.91M	$112.46M	$100.04M	$92.30M	$85.85M	$92.05M	$84.91M	$92.33M	$87.70M	$79.60M	$78.09M	$62.03M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$73.57M	$70.38M	$74.38M	$61.63M	$54.13M	$55.19M	$54.33M	$51.56M	$47.07M	$42.09M	$37.88M	$37.03M	$36.89M	$35.90M	$35.70M	$35.48M	$36.66M	—
Depreciation Expense (USD)	$996.00M	$1.06B	$1.00M	$774.00K	$764.00K	$943.00K	$721.00K	$565.00K	$600.00K	$633.00K	$640.00K	$672.00K	$692.00K	$699.00K	$733.00K	$784.00K	—	—
Net Income, GAAP (USD)	$21.13M	$20.03M	$21.55M	$15.88M	$14.19M	$12.16M	$14.72M	$12.55M	$8.75M	$8.05M	$6.92M	$5.87M	$5.38M	$4.65M	$2.66M	$2.67M	$-1.05M	—
Operating Cash Flow (USD)	$6.90M	$19.54M	$27.30M	$21.78M	$25.27M	$12.59M	$16.56M	$15.68M	$16.09M	$9.71M	—	—	$16.22M	$14.33M	$8.13M	$12.71M	$6.97M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.5%	3.4%	3.6%	2.9%	2.4%	2.9%	3.6%	3.5%	3.2%	3.0%	2.9%	3.1%	3.1%	3.2%	3.4%	—	—	—
Efficiency Ratio (%) (%)	62.7%	60.8%	58.7%	63.4%	66.9%	64.3%	62.5%	62.4%	62.5%	65.0%	70.1%	71.8%	74.4%	73.1%	75.0%	78.6%	82.0%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 67 quarters

FIRST NORTHERN COMMUNITY BANCORP

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