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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
P/E
Dividend yield (%)
0.0 1.4 2.8 Apr '26 May '26 Jun '26 Jul '26 Aug '26 Sep '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?

As of Sep '26, FIRST NORTHERN COMMUNITY BANCORP traded at a price-to-earnings ratio of about 13448.1× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. 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), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.