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First Northern Community Bancorp FNRN OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

First Northern Community Bancorp (FNRN) is a Banks - Regional company in the Financial Services sector, currently trading at $15.30. It has a SharesGrow Score of 76/100, indicating a strong investment profile with 4 out of 7 criteria passed.

Financials: revenue is $88M, +12.9%/yr average growth. Net income is $21M, growing at +11.4%/yr. Net profit margin is 23.9% (strong). Gross margin is 83.2% (-16.8 pp trend).

Balance sheet: total debt is $6M against $212M equity (Debt-to-Equity (D/E) ratio 0.03, conservative). Current ratio is 133.78 (strong liquidity). Debt-to-assets is 0.3%. Total assets: $1.9B.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 80/100 (Pass), Past 100/100 (Pass), Health 67/100 (Partial), Moat 35/100 (Fail), Future ?/100 (Fail), Income 85/100 (Pass).

FNRN SharesGrow Score Overview

78/100

SharesGrow Score

Strong investment profile

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VALUE 100/100

Valuation — P/E, PEG, Forward PEG

GROWTH 80/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 67/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 35/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 85/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — FNRN

FNRN trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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FNRN: +12.9%/yr revenue is, +11.4%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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FNRN: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet FNRN: Debt-to-Equity (D/E) ratio 0.03 (conservative), Current ratio is 133.78 (strong liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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FNRN: Gross margin is 83.2% (-16.8 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 35/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

FNRN: Net profit margin is 23.9%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range8.97143-15.94

Volume99

Avg Volume (30D)4.74K

Market Cap$251.07M

Beta (1Y)0.00

Share Statistics

EPS (TTM)1.34

Shares Outstanding$15.89M

IPO Date1999-01-05

Employees187

CEOJeremiah Z. Smith

Financial Highlights & Ratios

Revenue (TTM)$88.4M

Gross Profit$73.57M

EBITDA$29.33M

Net Income$21.13M

Operating Income$27.41M

Total Cash$574.61M

Total Debt$5.8M

Net Debt$-139.76M

Total Assets$1.91B

Price / Earnings (P/E)11.4

Price / Sales (P/S)2.84

Analyst Forecast

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS3359251036

Price Chart

FNRN

First Northern Community Bancorp ↗ · Other OTC

Financial Services • Banks - Regional

8.97 52WK RANGE 15.94

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