FIRST NORTHERN COMMUNITY BANCORP (FNRN)
Financials · Community banking · NASDAQ
A northern California community bank holding company serving small- to medium-sized businesses and individuals across 14 branches with traditional lending, deposits, and investment advisory services.
What FIRST NORTHERN COMMUNITY BANCORP does
First Northern Community Bancorp is a bank holding company providing full-service community banking to individuals and small- to medium-sized businesses across northern California (Solano, Yolo, Placer, Sacramento, and El Dorado counties) through its wholly-owned subsidiary First Northern Bank of Dixon. The Bank operates 14 full-service branches and generates revenue primarily through deposit-taking, commercial/consumer/real estate lending, and investment/advisory services.
Themes: ["Community banking","Small- to medium-sized business lending","Retail deposits","California regional bank","Investment advisory services"]
Fundamentals
- Price$17.97 as of 2026-07-09 close
- Market cap$295M as of 2026-07-10
- 1-year return+88.8% as of 2026-07-09 close
- P/E13.95 as of 2026-07-10
- Net margin+26.5% as of 2026-07-10
- ROE+10.6% as of 2026-07-10
- Debt / equity0.00 as of 2026-07-10
- Revenue growth (YoY)+38.1% as of 2026-07-10
- Beta0.03 as of 2026-07-10
Dividend: yield +0.0%; pays a dividend.
Key risks (from latest filing)
["Geographic concentration risk in northern and central California; material portion of deposits depend on the local market of Solano, Yolo, and Placer counties, exposing the bank to regional economic downturns","Interest rate risk and deposit sensitivity; net interest income depends on spreads between loan and deposit rates, with potential compression in rising rate environments and deposit outflows in competitive markets","Credit risk from loan portfolio; provision for credit losses increased to $300K in Q1 2026, reflecting exposure to commercial and real estate lending cyclicality"]
Competitors & peers
- PacWest Bancorp
- Western Alliance Bancorp
- SVB Financial Group
- Umpqua Holdings
- Banner Corporation
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.