FNRN · First Northern Community Bancorp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $996.00M | $1.06M | $1.00M | $774.0K | $764.0K | $943.0K |
| Operating Income | $27.41M | $27.84M | $29.65M | $19.43M | $19.43M | $16.66M |
| Interest Expense | - | - | $7.58M | $1.19M | $912.0K | $1.48M |
| Income Tax | $6.28M | $7.81M | $8.09M | $5.78M | $5.24M | $4.50M |
| Net Income | $21.13M | $20.03M | $21.55M | $15.88M | $14.19M | $12.16M |
| EPS - Basic | $1.30 | $1.20 | $1.29 | $0.96 | $0.83 | $0.71 |
| EPS - Diluted | $1.27 | $1.18 | $1.28 | $0.94 | $0.82 | $0.71 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $145.55M | $119.45M | $149.21M | $187.42M | $345.93M | $267.18M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $1.91B | $1.89B | $1.87B | $1.87B | $1.90B | $1.66B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | $0 | - | - | - | $0 | $0 |
| Total Liabilities | $1.70B | $1.72B | $1.71B | $1.75B | $1.75B | $1.50B |
| Stockholders' Equity | $212.02M | $176.33M | $159.25M | $125.04M | $150.91M | $150.66M |
| Retained Earnings | $91.95M | $81.30M | $68.76M | $54.49M | $44.34M | $37.12M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $6.90M | $19.54M | $27.30M | $21.78M | $25.27M | $12.59M |
| Investing Cash Flow | $44.82M | ($53.28M) | $83.61M | ($178.78M) | ($186.38M) | ($201.54M) |
| Financing Cash Flow | ($25.61M) | $3.98M | ($149.11M) | ($1.51M) | $239.85M | $344.63M |
| CapEx | $1.70M | $343.0K | $1.22M | $344.0K | $803.0K | $862.0K |
| Free Cash Flow | $5.20M | $19.19M | $26.08M | $21.44M | $24.47M | $11.73M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 0.25 | 0.96 | 1.21 | 1.35 | 1.73 | 0.96 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 22.9% | 28.0% | 27.3% | 26.7% | 27.0% | 27.0% |
| Return on assets | 1.1% | 1.1% | 1.2% | 0.8% | 0.7% | 0.7% |
| Return on equity | 10.0% | 11.4% | 13.5% | 12.7% | 9.4% | 8.1% |
| Return on invested capital | 10.0% | - | - | - | 9.4% | 8.1% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | 0.00 | - | - | - | 0.00 | 0.00 |
| Debt / Assets | 0.00 | - | - | - | 0.00 | 0.00 |
| Debt / EBITDA | 0.00 | - | - | - | 0.00 | 0.00 |
| Interest coverage | - | - | 3.9x | 16.4x | 21.3x | 11.2x |
| Equity multiplier | 9.01 | 10.73 | 11.75 | 14.97 | 12.58 | 10.99 |
| Liabilities / Assets | 0.89 | 0.91 | 0.91 | 0.93 | 0.92 | 0.91 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 10.0x | 7.7x | 6.0x | 7.1x | 9.8x | 11.2x |
| P / B | 1.0x | 0.8x | 0.7x | 0.8x | 0.8x | 0.7x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 0.1x | 0.9x | -1.0x | -4.5x | -11.5x | -9.1x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | -1.6% | -6.1% | 52.6% | 0.0% | 16.6% | -18.3% |
| Net income growth (YoY) | 5.5% | -7.1% | 35.7% | 12.0% | 16.7% | -17.4% |
| EPS growth (YoY) | 7.5% | -7.7% | 35.8% | 14.5% | 16.7% | -38.1% |
| EPS CAGR (3y) | 10.5% | 12.8% | 21.9% | -6.2% | -6.9% | -2.0% |
| EPS CAGR (5y) | 12.5% | 0.7% | 4.6% | 4.7% | 2.4% | 2.0% |
| FCF growth (YoY) | -72.9% | -26.4% | 21.7% | -12.4% | 108.7% | -24.4% |
| FCF CAGR (5y) | -15.0% | 4.4% | 12.1% | 20.4% | 22.8% | -2.2% |
| Book value growth (YoY) | 20.2% | 10.7% | 27.4% | -17.1% | 0.2% | 13.3% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$88.40M totalBanking Operations$88.40M · 100.0%
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
3/9
Weak
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✗Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: Savings Institution, Federally Chartered
Comparing FIRST NORTHERN COMMUNITY BANCORP against the 5 most active filers in the same SIC group.