FIRST NORTHERN COMMUNITY BANCORP · Savings Institution, Federally Chartered

FNRN

Low riskNext report: Around Jan 29, 2027 (est.)

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The short version

A profitable company.

Going well

Profitable every year for 10 years
Brings in more cash than it spends
No debt reported

Money moves

No insider buying or selling in the last 30 days

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 29

$16.97+1.2% that day

Company value: $278M; Share price times all shares
Price vs profit (P/E): 12.7x; You pay about $13 for each $1 of yearly profit
Cash vs value: 41%; A big cushion: cash is a large part of what the company is worth

From FNRN's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Profit, Jun '26

$4.7M-14% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $1.5M, up 232% from the 12 months before.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

3/5Mixed

MissReturn on equity 15%+Earns a lot on the money owners have in the business.0.0%
PassDebt under half of equityNot relying on borrowed money.0.00x equity
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$5.2M
MissShare count not growingNot diluting owners. Falling means buybacks.+8.6% in 3 years

Total debt: None; 0.00x equity
Free cash flow: $5.2M

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: net margin 10%+. A checklist is a starting point for research, not a verdict.

Latest quarter

New results, as stated in the press release

Reported Oct 30After close7:44 pm ET

EPS: $1.02

Revenue and EPS as the company states them. Margins, cash flow and share count fill in with the 10-Q.

Insider rating

Last 90 days

No open-market insider buys or sells in the last 90 days.

Weekly insider trend

No trades to chart yet.

Filing buzz

Last 7 days vs normal

50/ 100

This week: 1
Normal week: 1.0
vs normal: 1.0x

SEC filings of any kind. 50 means a normal week.

Institutional ownership

Newly held

Institutions held almost none of it the quarter before (new listing, spin-off or ticker change), so there's no fair percent change yet. 56 bought, 2 sold.

Shares held by institutions5.2M

Sep '24Jun '26