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OTCMFNRN
Market cap150mUSD
Jan 24, Last price  
9.87USD
1D
-0.30%
1Q
-0.80%
Name

First Northern Community Bancorp

Chart & Performance

D1W1MN
OTCM:FNRN chart
P/E
6.98
P/S
2.09
EPS
1.41
Div Yield, %
—
Shrs. gr., 5y
1.48%
Rev. gr., 5y
6.87%
Revenues
72m
+16.63%
33,407,00040,893,00043,933,00044,016,00040,292,00036,659,00035,475,00035,696,00035,899,00036,894,00037,029,00039,570,00042,088,00047,066,00051,558,00054,331,00055,189,00054,127,00061,629,00071,879,000
Net income
22m
+35.70%
6,707,0008,688,0008,810,0007,281,000-1,374,000-1,054,0002,665,0002,664,0004,646,0005,384,0005,870,0006,921,0008,051,0008,748,00012,551,00014,721,00012,161,00014,186,00015,884,00021,554,000
CFO
27m
+24.83%
10,199,0008,941,0009,884,0008,337,00011,144,0006,968,00012,709,0008,133,00014,334,00016,220,00010,442,00013,551,0009,706,00016,095,00015,679,00016,564,00012,590,00025,275,00021,780,00027,189,000
Earnings
Jan 27, 2025

Profile

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 to medium sized businesses. The company accepts demand deposits, interest-bearing transaction deposits, savings and money market accounts, and time deposits. Its loan portfolio comprises of commercial, commercial real estate, agriculture, residential mortgage, residential construction, and consumer loans. The company also offers credit cards; investment and brokerage services; alternative investment products, and fiduciary and other financial services; and equipment leasing, merchant card processing, payroll, and international banking services through third parties. In addition, it provides issues cashier's checks, safe deposit boxes rental, and other customary banking services. The company operates eleven full-service branches located in the cities of Auburn, Davis, Dixon, Fairfield, Rancho Cordova, Roseville, Sacramento, Vacaville, West Sacramento, Winters, and Woodland; a satellite banking office inside a retirement community in the city of Davis; a residential mortgage loan office in Davis; and a commercial loan office in the Contra Costa County city of Walnut Creek. First Northern Community Bancorp was founded in 1910 and is headquartered in Dixon, California.
URL
https://www.thatsmybank.com/
IPO date
Mar 11, 1996
Employees
192
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
71,879
16.63%
61,629
13.86%
Cost of revenue
26,715
25,282
Unusual Expense (Income)
NOPBT
45,164
36,347
NOPBT Margin
62.83%
58.98%
Operating Taxes
8,092
5,782
Tax Rate
17.92%
15.91%
NOPAT
37,072
30,565
Net income
21,554
35.70%
15,884
11.97%
Dividends
(7)
(8)
Dividend yield
0.00%
0.01%
Proceeds from repurchase of equity
(47)
(71)
BB yield
0.03%
0.05%
Debt
Debt current
672
Long-term debt
3,545
4,750
Deferred revenue
Other long-term liabilities
1,712,587
14,530
Net debt
(145,666)
(1,439,127)
Cash flow
Cash from operating activities
27,189
21,780
CAPEX
(1,221)
(344)
Cash from investing activities
83,719
(178,785)
Cash from financing activities
(149,114)
(1,507)
FCF
28,193
31,228
Balance
Cash
149,211
826,457
Long term investments
618,092
Excess cash
145,617
1,441,468
Stockholders' equity
158,268
124,063
Invested Capital
1,726,215
1,723,606
ROIC
2.15%
1.77%
ROCE
2.41%
1.96%
EV
Common stock shares outstanding
16,096
16,012
Price
8.92
10.12%
8.10
-20.98%
Market cap
143,576
10.70%
129,697
-19.35%
EV
(2,090)
(1,309,430)
EBITDA
48,072
38,223
EV/EBITDA
Interest
7,584
1,186
Interest/NOPBT
16.79%
3.26%