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Financials · FNRN

First Northern Community Bancorp (FNRN) financials

For the twelve months ended Sep 30, 2026, First Northern Community Bancorp reported $77.89M of revenue and $22.81M of net income.

Revenue, TTM
$77.89M
Revenue growth, YoY
+7.6%
Net income, TTM
$22.81M
Net income growth, YoY
+8.7%
Net margin
29.3%
Free cash flow, TTM
$17.68M
EPS, diluted, TTM
$1.39
EPS growth, YoY
+13.0%
Cash
$123.18M
P/E
11.78
P/S
3.45
Market cap
$268.8M
Annual revenue$73.57M
FY2016FY2025
Annual net income$21.13M
FY2016FY2025
Annual free cash flow$5.20M
FY2016FY2025

FNRN revenue and earnings growth

FNRN revenueQ3 2026$21.00M

Quarter YoY
+13.5%
QoQ
+11.9%
FY YoY
+4.5%
5Y CAGR
+5.9%
10Y CAGR
+6.9%

FNRN revenue was $21.00M in fiscal Q3 2026 (ended Sep 30, 2026), up 13.5% from a year earlier and up 11.9% from the prior quarter. For the full fiscal 2025 it was $73.57M, up 4.5% from fiscal 2024. Compound annual growth was +5.9% over 5 years and +6.9% over 10 years. It rose in 8 of the last 10 fiscal years.

FNRN net incomeQ3 2026$6.20M

Quarter YoY
+3.1%
QoQ
+31.2%
FY YoY
+5.5%
5Y CAGR
+11.7%
10Y CAGR
+11.8%

FNRN net income was $6.20M in fiscal Q3 2026 (ended Sep 30, 2026), up 3.1% from a year earlier and up 31.2% from the prior quarter. For the full fiscal 2025 it was $21.13M, up 5.5% from fiscal 2024. Compound annual growth was +11.7% over 5 years and +11.8% over 10 years. It rose in 8 of the last 10 fiscal years.

FNRN EPSQ3 2026$0.38

Quarter YoY
+5.6%
QoQ
+31.0%
FY YoY
+6.7%
5Y CAGR
+8.4%
10Y CAGR
+8.0%

FNRN diluted EPS was $0.38 in fiscal Q3 2026 (ended Sep 30, 2026), up 5.6% from a year earlier and up 31.0% from the prior quarter. For the full fiscal 2025 it was $1.27, up 6.7% from fiscal 2024. Compound annual growth was +8.4% over 5 years and +8.0% over 10 years.

FNRN free cash flowQ3 2026$3.87M

QoQ
+33.2%
FY YoY
-72.9%
5Y CAGR
-15.0%
10Y CAGR
-8.8%

FNRN free cash flow was $3.87M in fiscal Q3 2026 (ended Sep 30, 2026), compared with -$7.48M a year earlier and up 33.2% from the prior quarter. For the full fiscal 2025 it was $5.20M, down 72.9% from fiscal 2024. Compound annual growth was -15.0% over 5 years and -8.8% over 10 years. It rose in 4 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$73.57M$70.38M$74.38M$61.63M$54.13M$55.19M$54.33M$51.56M$47.07M$42.09M
Interest expense--$7.58M$1.19M$912.0K$1.48M$1.86M$1.27M$1.08M$1.16M
Pre-tax income$27.41M$27.84M$29.65M$21.67M$19.43M$16.66M$20.39M$17.30M$17.07M$12.94M
Income tax$6.28M$7.81M$8.09M$5.78M$5.24M$4.50M$5.67M$4.74M$8.32M$4.88M
Net income$21.13M$20.03M$21.55M$15.88M$14.19M$12.16M$14.72M$12.55M$8.75M$8.05M
EPS, basic$1.30$1.20$1.35$1.05$0.96$0.86$1.10$0.94$0.69$0.67
EPS, diluted$1.27$1.19$1.34$1.04$0.95$0.85$1.08$0.93$0.68$0.66
Diluted shares16.6M16.9M16.1M15.3M14.9M14.2M13.6M13.6M12.9M12.1M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$145.55M$119.45M$149.21M$187.42M$345.93M$267.18M$111.49M$116.03M$152.89M$159.64M
Goodwill-$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--------
Total 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
Shareholders' equity$212.02M$176.33M$159.25M$125.04M$150.91M$150.66M$132.91M$112.46M$100.04M$92.30M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$6.90M$19.54M$27.30M$21.78M$25.27M$12.59M$16.56M$15.68M$16.09M$9.71M
Capital expenditures$1.70M$343.0K$1.22M$344.0K$803.0K$862.0K$1.06M$963.0K$1.23M$926.0K
Free cash flow$5.20M$19.19M$26.08M$21.44M$24.47M$11.73M$15.51M$14.72M$14.87M$8.78M
Investing cash flow$44.82M-$53.28M$83.61M-$178.78M-$186.38M-$201.54M-$35.21M-$72.49M-$63.96M-$166.51M
Financing cash flow-$25.61M$3.98M-$149.11M-$1.51M$239.85M$344.63M$14.11M$19.95M$41.11M$115.66M
Dividends paid$7.51M$6.39M--------
Share repurchases$4.75M$3.76M$143.0K$187.0K$5.37M$0----
Stock-based compensation$849.0K$846.0K$820.0K$655.0K$588.0K$574.0K$475.0K$424.0K$378.0K$286.0K
Depreciation and amortization$996.00M$1.06B$1.00M$774.0K$764.0K$943.0K$721.0K$565.0K$600.0K$633.0K

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY4.5%-5.4%20.7%13.9%-1.9%1.6%5.4%9.5%11.8%11.1%
Net income growth, YoY5.5%-7.1%35.7%12.0%16.7%-17.4%17.3%43.5%8.7%16.3%
EPS growth, YoY6.7%-11.2%28.8%9.5%11.8%-21.3%16.1%36.8%3.0%11.9%
Net margin28.7%28.5%29.0%25.8%26.2%22.0%27.1%24.3%18.6%19.1%
Free cash flow margin7.1%27.3%35.1%34.8%45.2%21.3%28.5%28.5%31.6%20.9%
Return on equity10.0%11.4%13.5%12.7%9.4%8.1%11.1%11.2%8.7%8.7%
Return on assets1.1%1.1%1.2%0.8%0.7%0.7%1.1%1.0%0.7%0.7%
Debt to equity0.000.00--0.000.000.000.000.000.00

Source: XBRL data First Northern Community Bancorp files with the SEC, latest filing dated Nov 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

FNRN peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
FNRN$77.89M+7.6%$22.81M29.3%$268.8M
HSBC$68.27B+3.7%$23.13B33.9%$308.59B
AX$1.55B+23.0%$507.67M32.7%$5.23B
EBC$1.19B+61.8%$381.02M32.1%$5.19B
TFSL$343.73M+10.5%$102.06M29.7%$4.64B
BKU$1.13B+5.4%$273.97M24.3%$3.06B
PFS$924.11M+8.6%$310.15M33.6%$3.02B
CFFN$229.25M+19.4%$82.83M36.1%$1.08B

FNRN FAQ

8 questions
  • What is FNRN revenue?
    First Northern Community Bancorp (FNRN) reported $77.89M of revenue for the twelve months ended Sep 30, 2026. That is up 7.6% from the year before. Revenue for fiscal 2025 was $73.57M.
  • Is FNRN profitable?
    Yes. First Northern Community Bancorp earned $22.81M in net income for the twelve months ended Sep 30, 2026, a net margin of 29.3%.
  • How much cash and debt does FNRN have?
    First Northern Community Bancorp reported $123.18M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is FNRN revenue growing?
    First Northern Community Bancorp's revenue changed +4.5% in fiscal 2025, to $73.57M. Its compound annual growth rate was +5.9% over 5 years and +6.9% over 10 years.
  • What is FNRN free cash flow?
    First Northern Community Bancorp generated $17.68M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $19.96M less capital expenditures.
  • What is FNRN earnings per share?
    Diluted earnings per share were $1.39 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did FNRN last report financial results?
    The latest statements here come from First Northern Community Bancorp's 10-Q filed on Nov 6, 2026, covering the period ended Sep 30, 2026.
  • Where does this FNRN financial data come from?
    Quantisnow builds these statements from the structured XBRL data First Northern Community Bancorp files with the SEC. It is provided for information only and is not investment advice.