Stocks · Financial Services · Banks - Regional
First Northern Community Bancorp FNRN
$17.73 -0.28% Close, Oct 5, 2026 · NASDAQ · Market cap $291.7M
Strong trendLow risk
Next earnings report: Oct 28, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- At 12.8× trailing earnings, the shares trade at the highest P/E of the company's past five years.
- The stock is in an uptrend: above its 200-day average for 710 trading days, with the 50-day average above the 200-day.
- The company holds net cash of $113.4M (cash above total debt).
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 38%
- EPS growth (TTM, YoY)Bottom 38%
- FCF growth (TTM, YoY)Bottom 9%
- Revenue growth, 3-year CAGRBottom 37%
- Revenue growth accelerationBottom 48%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 39%
- Gross marginTop 12%
- Operating marginTop 25%
- Cash conversion (OCF / net income)Bottom 23%
- Accruals (lower is better)Bottom 24%
- Net debt / EBITDA (lower is better)Top 7%
- Interest coverTop 31%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 39%
- Free-cash-flow yieldBottom 28%
- EBITDA / enterprise valueTop 9%
- Sales / enterprise valueTop 27%
- P/E vs own 5-year history (lower is better)Bottom 2%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 13%
- 6-month returnTop 30%
- 1-year return vs S&P 500Top 8%
- Distance from 52-week highTop 38%
- Trend checklist (0–4)Top 10%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 36%
- Maximum drawdown, 3 yearsTop 22%
- Beta vs S&P 500 (lower is better)Top 1%
- Net debt / EBITDA (lower is better)Top 7%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 4.0% | 3.5% | ↓ |
| EPS growth (YoY) | 22.9% | 10.3% | ↓ |
| Gross margin | 83.2% | 83.0% | ↓ |
| Operating margin | 32.7% | 32.0% | ↓ |
| FCF margin | 22.7% | 7.1% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 3.5% | 4.0% | ↓ | Bottom 38% |
| EPS growth (TTM, YoY) | 10.3% | 22.9% | ↓ | Bottom 38% |
| Gross margin | 83.0% | 83.2% | ↓ | Top 12% |
| Operating margin | 32.0% | 32.7% | ↓ | Top 25% |
| Net margin | 25.2% | 23.6% | ↑ | — |
| Free-cash-flow margin | 7.1% | 22.7% | ↓ | — |
| Return on invested capital | 3.0% | — | Top 39% | |
| Revenue growth, 3-year CAGR | 12.1% | — | Bottom 37% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.38×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.7%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.7%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -3.69×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.9×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 1.34%
- Shareholder yield
- 1.34%
- Share count change, 1 year
- +4.4%
- Share count change, 3-year CAGR
- +2.6%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- -0.0%
- Positive 20 days after report
- 6 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 29, 2026 | — | -0.5% | -2.3% | -7.2% | — |
| Apr 29, 2026 | — | +0.5% | +8.1% | +8.5% | +15.5% |
| Jan 29, 2026 | — | +0.4% | +3.2% | +7.8% | +19.9% |
| Oct 29, 2025 | — | -0.1% | +0.4% | +3.0% | +9.8% |
| Jul 29, 2025 | — | -0.1% | +4.6% | +13.2% | +22.4% |
| Apr 29, 2025 | — | +0.0% | -0.3% | +1.6% | +7.8% |
| Mar 7, 2025 | — | +0.0% | +1.6% | -1.0% | -0.1% |
| Oct 29, 2024 | — | -0.6% | +0.8% | +0.4% | -0.4% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 29, 2026 | $0.29 | — | — | $22.6M |
| Apr 29, 2026 | $0.36 | — | — | $22.3M |
| Jan 29, 2026 | $0.34 | — | — | $23.1M |
| Oct 29, 2025 | $0.38 | — | — | $21.7M |
| Jul 29, 2025 | $0.35 | — | — | $21.8M |
| Apr 29, 2025 | $0.23 | — | — | $20.5M |
| Mar 7, 2025 | $0.35 | — | — | $22.9M |
| Oct 29, 2024 | $0.34 | — | — | $21.4M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.8× | 7.8× | 100th | Top 39% |
| EV / EBITDA | 5.8× | — | — | Top 9% |
| EV / Sales | 1.99× | — | — | Top 27% |
| Free-cash-flow yield | 2.18% | — | — | Bottom 28% |
| Earnings yield | 7.84% | — | — | Top 39% |
P/E over the past five years
Range 4.9× – 12.2× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +46.4%
- Earnings per share growth (TTM)
- +10.3%
- Change in P/E multiple
- +41.5%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 3
- Days above the 200-day average
- 710
- 50-day average slope (20 days)
- -1.5%
- 200-day average slope (20 days)
- +2.7%
- Distance from 50-day average
- +1.5%
- Distance from 200-day average
- +10.4%
- RSI (14)
- 61.0
- Relative volume
- 0.70×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 24.8%
- Volatility vs own 5-year history
- 86th percentile · High for this stock
- Beta vs S&P 500 (2 years, weekly)
- -0.17
- Correlation with S&P 500
- -0.14
- Current drawdown from 1-year high
- -5.7%
- Maximum drawdown, 3 years
- -15.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Apr 14, 2021 | May 8, 2023 | -37.2% | 520 days | 330 days (Aug 29, 2024) |
| Jul 28, 2026 | Aug 7, 2026 | -11.8% | 8 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $291.7M
- P/E (TTM)
- 12.8
- EPS, diluted (TTM)
- $1.39
- Revenue (TTM)
- $89.7M
- 52-week range
- $11.88 – $19.25
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $55.0M | $62.8M | $80.6M | $84.7M | $88.4M |
| Gross profit | $55.6M | $60.7M | $71.9M | $70.6M | $73.6M |
| Operating income | $19.4M | $21.7M | $29.6M | $27.8M | $27.4M |
| Net income | $14.2M | $15.9M | $21.6M | $20.0M | $21.1M |
| EPS (diluted) | $0.90 | $0.94 | $1.28 | $1.18 | $1.32 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $21.4M | $22.9M | $20.5M | $21.8M | $21.7M | $23.1M | $22.3M | $22.6M |
| Net income | $5.5M | $5.8M | $3.7M | $5.5M | $6.0M | $6.0M | $5.9M | $4.7M |
| EPS (diluted) | $0.34 | $0.35 | $0.22 | $0.35 | $0.38 | $0.36 | $0.36 | $0.29 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $25.3M | $21.8M | $27.2M | $19.5M | $6.9M |
| Capital expenditure | -$803,000 | -$344,000 | -$1.2M | -$343,000 | -$1.7M |
| Free cash flow | $24.5M | $21.4M | $26.0M | $19.2M | $5.2M |
| Dividends paid | -$8,000 | -$8,000 | -$7,000 | -$7,000 | -$8,000 |
| Net share buybacks | -$5.3M | -$71,000 | -$47,000 | -$3.7M | -$4.7M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $732.4M
- Total assets
- $1.93B
- Total liabilities
- $1.71B
- Total debt
- $0
- Net debt
- -$113.4M
- Shareholders’ equity
- $217.2M
As of Jun 30, 2026 (filed Aug 7, 2026).
Short interest
- Shares sold short
- 545,698
- Days to cover
- 5.50
- Change vs previous report
- -15.6%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Feb 27, 2026
- 21-for-20
- Feb 28, 2025
- 21-for-20
- Feb 28, 2024
- 21-for-20
- Feb 27, 2023
- 21-for-20
- Feb 25, 2022
- 21-for-20