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FNRN Financials FIRST NORTHERN COMMUNITY BANCORP

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Free cash flow has declined 15.0% per year over the past 5 years.

Financial health

  • The company holds more cash ($146M) than total debt ($0).

Shareholder returns

  • Dividends have been paid for 2 consecutive years, consuming 35545.2% of earnings and 144.5% of free cash flow.
  • The dividend has grown 17.5% per year over the past 5 years.
Net income
$0 $8M $16M 2011 2013 2015 2017 2019 2021 2023 2025
Net income
Return on equity & assets (ROE / ROA)
0% 6% 13% 2011 2013 2015 2017 2019 2021 2023 2025
ROEROA
Shareholders' equity (book value)
$0 $106M $212M 2011 2013 2015 2017 2019 2021 2023 2025
Equity
Free cash flow (CFO − capex)
$0 $13M $26M 2011 2013 2015 2017 2019 2021 2023 2025
Free cash flow
Cash vs total debt
$0 $173M $346M 2011 2013 2015 2017 2019 2021 2023 2025
CashTotal debt
Cash flow: operating / investing / financing
-$202M $72M $345M $0 2011 2013 2015 2017 2019 2021 2023 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MROEROAFCFTotal debtCash
2025 — $21128 — — 0.0% 0.0% $5M $0 $146M
2024 — $20034 — — 0.0% 0.0% $19M $0 $119M
2023 — $21554 — — 0.0% 0.0% $26M — $149M
2022 — $16M — — 12.7% 0.8% $21M — $187M
2021 — $14M — — 9.4% 0.7% $24M $0 $346M
2020 — $12M — — 8.1% 0.7% $12M $0 $267M
2019 — $15M — — 11.1% 1.1% $16M $0 $111M
2018 — $13M — — 11.2% 1.0% $15M $0 $116M
2017 — $9M — — 8.7% 0.7% $15M $0 $153M
2016 — $8M — — 8.7% 0.7% $9M $0 $160M
2015 — $7M — — 8.1% 0.7% $13M $0 $201M
2014 — $6M — — 6.4% 0.6% — $0 $216M
2013 — $5M — — 6.3% 0.6% $16M — $165M
2012 — $5M — — 5.0% 0.6% $14M — $150M
2011 — $3M — — 3.0% 0.3% $8M — $140M

Valuation over time

How the market has priced FNRN against its own fundamentals since 2026-04 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 7127.5 14255.1 Apr '26 May '26 Jun '26 Jul '26 Aug '26 Sep '26 Oct '26 Nov '26
P/E
Dividend yield (%)
0.0 1.4 2.8 Apr '26 May '26 Jun '26 Jul '26 Aug '26 Sep '26 Oct '26 Nov '26
Dividend yield %

Frequently asked questions

Is FNRN growing its revenue and profit?

See the revenue and net-income charts above for FIRST NORTHERN COMMUNITY BANCORP's multi-year trend.

How much debt does FNRN have?

As of FY2025, FIRST NORTHERN COMMUNITY BANCORP reported $0 of total debt against $146M of cash.

What is FNRN's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin —.

What is FNRN's P/E ratio?

FIRST NORTHERN COMMUNITY BANCORP's P/E (TTM) is 12.76 as of the 2026-11-02 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the FNRN stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 13665.3× as of Nov '26) can differ. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), split-adjusted; price return — dividends not reinvested · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.