First Northern Community Bancorp (FNRN) Financial Statements
Industry: Savings Institution, Federally Chartered
In fiscal 2025, First Northern Community Bancorp reported revenue of $73.6M, up 4.5% from $70.4M the year before. Net income was $21.1M (a 28.7% net margin), or $1.27 per diluted share. Net interest income was $67.5M, and the efficiency ratio (noninterest expense / revenue) was 62.7%. Operating activities generated $6.9M of cash, leaving $5.2M of free cash flow. At fiscal year end, First Northern Community Bancorp held $1.91B in total assets against $1.70B in total liabilities, including $145.6M of cash and equivalents.
Open the full interactive First Northern Community Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
First Northern Community Bancorp Key Stats
| Share Price | $16.68 |
|---|---|
| Market Cap | $275.4M |
| P/E Ratio | 13.1 |
| Dividend Yield | 2.73% |
| Revenue YoY Growth | +4.5% |
| 52-Week Range | $12.13 – $18.80 |
| Shares Outstanding | 16.1 million (basic, 2026 Q2) |
First Northern Community Bancorp Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $47.4M | $46.3M | $54.7M | $66.5M | $64.4M | $67.5M |
| Provision for Credit Losses | $3.0M | -$1.5M | $900,000 | $1.1M | -$250,000 | $0 |
| Noninterest Income | $7.8M | $7.9M | $6.9M | $7.8M | $6.0M | $6.1M |
| Noninterest Expense | $35.5M | $36.2M | $39.1M | $43.6M | $42.8M | $46.2M |
| Revenue | $55.2M | $54.1M | $61.6M | $74.4M | $70.4M | $73.6M |
| Pre-Tax Income | $16.7M | $19.4M | $21.7M | $29.6M | $27.8M | $27.4M |
| Income Tax | $4.5M | $5.2M | $5.8M | $8.1M | $7.8M | $6.3M |
| Net Income | $12.2M | $14.2M | $15.9M | $21.6M | $20.0M | $21.1M |
| Diluted EPS | $0.71 | $0.82 | $0.94 | $1.28 | $1.18 | $1.27 |
First Northern Community Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $18.5M | $19.2M | $18.9M | $18.8M |
| Net Income | $6.0M | $6.0M | $5.9M | $4.7M |
| Diluted EPS | $0.36 | $0.36 | $0.36 | $0.29 |
First Northern Community Bancorp Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $267.2M | $345.9M | $187.4M | $149.2M | $119.4M | $145.6M |
| Loans (Net) | $875.8M | — | — | — | — | $1.05B |
| Total Assets | $1.66B | $1.90B | $1.87B | $1.87B | $1.89B | $1.91B |
| Deposits | $1.48B | $1.73B | $1.73B | $1.69B | $1.70B | $1.68B |
| Total Liabilities | $1.50B | $1.75B | $1.75B | $1.71B | $1.72B | $1.70B |
| Shareholders' Equity | $150.7M | $150.9M | $125.0M | $159.2M | $176.3M | $212.0M |
First Northern Community Bancorp Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $12.6M | $25.3M | $21.8M | $27.3M | $19.5M | $6.9M |
| Cash From Investing | -$201.5M | -$186.4M | -$178.8M | $83.6M | -$53.3M | $44.8M |
| Cash From Financing | $344.6M | $239.9M | -$1.5M | -$149.1M | $4.0M | -$25.6M |
| Free Cash Flow | $11.7M | $24.5M | $21.4M | $26.1M | $19.2M | $5.2M |
| Dividends Paid | — | — | — | — | — | $7.5M |
Figures from First Northern Community Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full First Northern Community Bancorp financials page for every line item.
First Northern Community Bancorp Company Profile
| Ticker | FNRN |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institution, Federally Chartered |
| Headquarters | Dixon, California |
| Incorporated in | California |
| Fiscal Year End | December 31 |
| SEC Filer Category | Non-accelerated filer, smaller reporting company |
| SEC CIK | 0001114927 |
Frequently Asked Questions
What was First Northern Community Bancorp's revenue in fiscal 2025?
First Northern Community Bancorp (FNRN) reported revenue of $73.6M for fiscal 2025.
What is First Northern Community Bancorp's annual revenue history?
First Northern Community Bancorp's annual revenue by fiscal year: 2020: $55.2M; 2021: $54.1M; 2022: $61.6M; 2023: $74.4M; 2024: $70.4M; 2025: $73.6M.
What was First Northern Community Bancorp's net income in fiscal 2025?
First Northern Community Bancorp reported net income of $21.1M for fiscal 2025.
What was First Northern Community Bancorp's earnings per share (EPS) in fiscal 2025?
First Northern Community Bancorp's diluted EPS was $1.27 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did First Northern Community Bancorp generate in fiscal 2025?
First Northern Community Bancorp generated $5.2M of free cash flow in fiscal 2025.
What was First Northern Community Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), First Northern Community Bancorp reported revenue of $18.8M.
How many shares of First Northern Community Bancorp are outstanding?
First Northern Community Bancorp reported a weighted average of 16.1 million basic shares outstanding in 2026 Q2.
What is First Northern Community Bancorp's market cap?
Based on its latest closing price, First Northern Community Bancorp (FNRN) has a market capitalization of about $275.4M.
When does First Northern Community Bancorp's fiscal year end?
First Northern Community Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is First Northern Community Bancorp headquartered?
First Northern Community Bancorp lists its business address in Dixon, California in its SEC filings.
First Northern Community Bancorp Competitors & Similar Companies
See all 33 Savings Institution, Federally Chartered companies →