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First Northern Community Bancorp
How the company evolved, year by year. Revenue and debt come from the annual reports — for most companies, the 10-K filings with the SEC since 2009; dividends from the payments themselves.
The bars are a balance on the closing date; the lines are what happened during the year. Revenue above equity is ordinary, not an anomaly — it means the company turns its capital over more than once a year.
Major managers that reported this stock in their latest 13F.
None of the investors we track reported a position in FNRN.
▲ +112.1% over 5Y.
today you would have $2,001.26▲ +100.1%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
The last 17 closed years. Each multiple uses that year’s closing price and that year’s reported numbers — not today’s. The range is set by the annual reports on record.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year-end price | $12.72 | $9.06 | $7.71 | $6.66 | $8.03 | $7.91 | $9.01 | $8.73 | $10.02 | $7.23 | $6.17 | $5.74 | $5.06 | $3.59 | $3.14 | $3.07 | $3.31 | |
Seven formulas applied to what the company reported. None of them predicts a price — each answers what the stock would be worth if its assumption held. The assumption is printed next to every number, because it is the assumption that produces the result.
Square root of 22.5 × earnings × book value — the two ceilings Graham proposed. Blind to intangibles, so it undervalues software and brands.
Earnings growing 12.7% a year plus a 0.0% dividend — Lynch adds the yield to the growth rate, so a payer is not priced like a company that returns nothing. Growth capped at 25%.
Median P/E of 13.4 among peers in the sector.
Median P/E of 12.7 across the years on record for this company itself. Answers whether it is cheap against its own past, which a whole sector trading low cannot flatter.
Cash flow growing 12.7% a year for 10 years, discounted at 10%, then 2.5% forever.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| QNBCQnb Corp | $45.18 | 13.4x | 1.2x | 3.45% | 9.04% | $280.51M |
| XCBEX3 Acquisition Corp. Ltd. | $10.00 | — | — | — | — | $281.25M |
| HLXCHelix Acquisition Corp. III | $10.60 | — | — | — | — | $279.55M |
| TVAIThayer Ventures Acquisition Corp II | $10.37 |
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.
Company description provided by Yahoo Finance.
| P/E |
| 12.7x |
| 10.0x |
| 7.6x |
| 6.0x |
| 7.1x |
| 9.8x |
| 11.3x |
| 10.6x |
| 12.0x |
| 18.8x |
| 14.0x |
| 13.3x |
| 14.6x |
| 14.9x |
| 13.6x |
| 33.3x |
| 24.3x |
| — |
| P/S | 2.2x | 2.7x | 2.1x | 1.7x | 1.8x | 2.4x | 2.4x | 2.6x | 2.5x | 3.0x | 2.5x | 2.2x | 2.1x | 1.8x | 1.3x | 1.2x | 1.1x | — |
| P/B | 0.9x | 0.9x | 0.8x | 0.8x | 0.9x | 0.9x | 0.9x | 1.1x | 1.2x | 1.4x | 1.1x | 1.0x | 0.8x | 0.8x | 0.5x | 0.5x | 0.5x | — |
| EPS | $1.27 | $1.19 | $1.28 | $0.94 | $0.82 | $0.70 | $0.85 | $0.73 | $0.53 | $0.52 | $0.46 | $0.39 | $0.34 | $0.26 | $0.09 | $0.13 | -$0.14 |
| Profit margin | 19.13% | 28.72% | 28.47% | 28.98% | 25.77% | 26.21% | 22.04% | 27.10% | 24.34% | 18.59% | 19.13% | 18.27% | 16.41% | 14.59% | 12.94% | 7.46% | 7.51% | -2.88% |
| ROE | 8.72% | 9.97% | 11.36% | 13.54% | 12.70% | 9.40% | 8.07% | 11.08% | 11.16% | 8.74% | 8.72% | 8.06% | 6.38% | 6.34% | 5.03% | 3.04% | 3.35% | -1.35% |
Median, not average: a single year of near-zero profit produces a P/E of 400 and would drag an average on its own. P/E years above 200x are left out, the same cut the fair price uses — so this median matches the “its own history” method below. Price and EPS have no median: they are series that grow.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Not the average of the seven numbers above. Four of the seven start from the same earnings per share — Graham, Lynch, sector multiples and its own history — so averaging all seven would let one input count four times and drown out the others. Instead each family produces one number, and the fair price is the average of the families that answered. A family with two working formulas contributes their average, not two votes.
5 methods answered, across 2 families.
Every formula reads the same reported statements and they can be wrong together. The margin is room for that.
+6.1% from the average.
These are models, not forecasts, and not investment advice. Change one assumption and the number changes with it — that is a property of valuation, not a defect of this page.
| 39.9x |
| — |
| — |
| — |
| $282.02M |
| FRAFFranklin Financial Services Corp | $62.06 | 11.3x | 1.5x | 2.19% | 14.45% | $279.24M |
| FUNCFirst United Corp | $43.16 | 11.2x | 1.3x | 2.41% | 12.42% | $278.55M |