FIRST NORTHERN COMMUNITY BANCORP (FNRN)
Financials · regional banking · NASDAQ
A Northern California community bank focused on providing commercial and personal banking services to individuals and small-to-medium enterprises.
What FIRST NORTHERN COMMUNITY BANCORP does
First Northern Community Bancorp is a bank holding company that provides community banking services through its subsidiary, First Northern Bank of Dixon. The company focuses on the financial needs of individuals and small- to medium-sized businesses in Northern California, offering services including demand and interest-bearing deposits, commercial and real estate loans, equipment leasing, and brokerage services.
Themes: community banking, commercial lending, Northern California market, wealth management services
Fundamentals
- Price$17.50 as of 2026-08-21 close
- Market cap$287M as of 2026-08-21
- 1-year return+57.1% 2025-08-21 close $11.14 → 2026-08-21 close $17.50
- P/E13.59 as of 2026-08-24
- Net margin+26.5% as of 2026-08-24
- ROE+10.6% as of 2026-08-24
- Debt / equity0.00 as of 2026-08-24
- Revenue growth (YoY)+38.1% as of 2026-08-24
- Beta0.02 as of 2026-08-24
- Last reported earnings2026-07-30 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +0.0%; pays a dividend.
How FNRN compares in its sector
- price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- indicated dividend yieldbottom 10% 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)bottom 25% 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Exceeded at least one reported measure. In FY2025, FNRN's dividend exceeded at least one reported measure of what it earned or generated (earnings payout 36%, free-cash-flow payout 144%). A payout above 100% in one year is not necessarily unsustainable, but it is not fully covered by that measure.
- Earnings payout36% dividends / net income
- Free-cash-flow payout144% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How FIRST NORTHERN COMMUNITY BANCORP looks technically
FIRST NORTHERN COMMUNITY BANCORP (FNRN) is trading 14.7% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 760 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 25 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 45, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 11 trading days ago.
Trend
7
| Distance from the 200-day | it is trading 14.7% above its 200-day average, the long-term trend line — a longer-term uptrend | +14.7% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $17.93 | $17.93 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $15.26 | $15.26 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 11 calendar days ago — the swings before that are what the structure reading is measured on | 11 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 760 trading days ago — a "golden cross", a bullish long-term signal | 760 sessions |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 25 (a reading of 25+ marks a strong trend) | 24.8 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 45, neither overbought (above 70) nor oversold (below 30) | 45.3 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($15.93 to $18.50) — its "stochastic" reading is 61 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 61.1 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 14 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $19.25 | $19.25 |
|---|---|---|
| From the 52-week high | it is 9.1% below its 52-week high (its highest price of the past year) | -9.1% |
| Above the 52-week low | it is 60.9% above its 52-week low (its lowest price of the past year) | +60.9% |
| Below the 52-week high | it is 9.1% below its highest point of the past year | 9.1% |
| Since a 20-day breakout | it made a new 20-day low about 11 trading days ago | 11 sessions |
| Since a 55-day breakout | it made a new 55-day low about 11 trading days ago | 11 sessions |
| All-time high | its highest closing price on record is $19.25 (set on 2026-07-29) | $19.25 |
| Given back of the 52-week move | over the past year its closes ranged ($11.14 to $18.80), and it has given back roughly a quarter of its rise from last year’s low — 17% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $13.82 to $14.07. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 17.0% |
| From the all-time high | it is 9.1% below its all-time high | -9.1% |
| Nearest price level | it is sitting right on a resistance level at $17.52 — a price it turned at twice since 2026-07-08, most recently on 2026-07-23. Since 2024-08-21 it has 9 such levels below the current price and 2 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +0.1% |
| All-time low | its lowest closing price on record is $2.04 (set on 1999-01-27) | $2.04 |
| Above the all-time low | it is 759.8% above its all-time low | +759.9% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are wider than usual versus its own recent 6-month history (wider than about 74% of it) | 74th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.4555 between its high and its low — about 2.6% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.4555 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $16.69 and $18.96 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $16.69 – $17.82 – $18.96 |
| Typical daily range (% of price) | its price moves about 2.6% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.6% |
| Stretch from the 200-day average | it is trading 4.9 daily ranges above its 200-day average price (14.7% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 4.9 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.54× |
|---|
Candlestick patterns
2
| Since a doji | today it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | today |
|---|---|---|
| Since a hammer | 1 session ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | 1 session ago |
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.3% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.3% |
|---|---|---|
| Gap filled | a 2.7% gap up opened on 2026-07-27 has been "filled" 15 sessions ago — price traded back through the level the gap left behind, and it took 4 sessions to close | 15 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 4.7 percentage points (the stock lost 2.4% while the market gained 2.3%) | -4.7% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 2.9 percentage points (the stock gained 0.2% while the market gained 3.1%) | -2.9% |
| vs market, 6 months | over the past 6 months this stock beat the market by 14.4 percentage points (the stock gained 25.5% while the market gained 11.1%) | +14.4% |
| vs market, 12 months | over the past 12 months this stock beat the market by 36.6 percentage points (the stock gained 57.1% while the market gained 20.5%) | +36.6% |
Signal agreement
2
| Bullish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months — these describe past price behaviour, not a forecast | 3 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: MACD momentum is negative — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-15 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is moderate, spanning 3.1% of the share price. | 0.0% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is 2% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $17.77 — a volume-weighted average of daily closes over 151 sessions, not a true tick-by-tick VWAP. | -1.5% |
|---|
Price levels it has turned at before
FNRN last closed at $17.50 on 2026-08-21. Since 2024-08-21 it has turned at 9 prices below its last close and 2 above; the 3 nearest below and the 2 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $17.52 | Resistance | 0.1% above the last close | turned there twice · 2026-07-08 to 2026-07-23 |
| $16.77 | Support | 4.1% below the last close | turned there twice · 2026-06-03 to 2026-06-22 |
| $18.62 | Resistance | 6.4% above the last close | turned there three times · 2026-06-15 to 2026-07-16 |
| $15.94 | Support | 8.9% below the last close | turned there twice · 2026-04-01 to 2026-08-10 |
| $14.45 | Support | 17.4% below the last close | turned there twice · 2026-03-17 to 2026-04-24 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · beating the market · Printed a doji candle · Trading at this year’s average price paid (anchored VWAP) · Trading inside the Ichimoku cloud · Near a resistance level (pressing into a price that has capped it before) | Learn: moving average · golden cross · adx · rsi · breakout
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Key risks (from latest filing)
["Interest rate volatility affecting net interest income and securities portfolio valuation","Economic downturns in Northern California regions served","Credit risk associated with loan portfolio concentrations"]
What changed in the latest 10-Q
AI-assisted comparison of FNRN's 10-Q filed 2026-05-07 against the prior one filed 2025-11-07.
Management's Discussion & Analysis (MD&A)
- Removed:
- Bullet point 'Our assessment of significant factors and developments that have affected or may affect our results' removed from forward-looking statements topics list (filed 2025-11-07)
- Reworded:
- Reference changed from '2024 Form 10-K' to '2025 Form 10-K' in opening paragraph (filed 2026-05-07)
- Reference changed from '2024 Form 10-K' to '2025 Form 10-K' in closing paragraph of Forward-Looking Statements section (filed 2026-05-07)
- Reference changed from '2024 Form 10-K' to '2025 Form 10-K' in INTRODUCTION section (filed 2026-05-07)
- Notes:
- Newer filing text appears truncated at end ('Our subsidiary, First Northern Bank of Dixon (the "Bank"), is a California state-chartered bank that derives most of its rev') making full comparison of remaining MD&A content impossible
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
2 open-market purchases and 2 open-market sales by insiders in the last 90 days.
- Last 30 days2 buys ($18221) · 2 sells ($59456) — 1 buying, 1 selling insiders
- Last 90 days2 buys ($18221) · 2 sells ($59456) — 1 buying, 1 selling insiders
- Last 180 days2 buys ($18221) · 6 sells ($409309) — 1 buying, 3 selling insiders
Activity heuristic: mixed (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-06. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about FNRN's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Short interest (FINRA)
FNRN had 620,411 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
FNRN had 3.78% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 4.39 days to cover at the same settlement.
- Reported short interest (shares) 620,411
- Short interest (% of shares outstanding) 3.78%
- Prior settlement (shares) 563,457
- Reported change 10.11%
- Days to cover (reported) 4.39
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Tri Counties Bank (TCBK)
- River City Bank
- Mechanics Bank
- Safe Credit Union
- Umpqua Bank (UMPQ)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Frequently asked questions
What does FIRST NORTHERN COMMUNITY BANCORP (FNRN) do?
First Northern Community Bancorp is a bank holding company that provides community banking services through its subsidiary, First Northern Bank of Dixon. The company focuses on the financial needs of individuals and small- to medium-sized businesses in Northern California, offering services including demand and interest-bearing deposits, commercial and real estate loans, equipment leasing, and brokerage services.
What sector is FIRST NORTHERN COMMUNITY BANCORP (FNRN) in?
FIRST NORTHERN COMMUNITY BANCORP (FNRN) is classified in the Financials sector. Its industry is regional banking. It trades on NASDAQ.
Does FNRN pay a dividend?
Yes — FIRST NORTHERN COMMUNITY BANCORP (FNRN) pays a dividend, with an indicated yield of about 0.00% (market data, as of 2026-08-24). Informational only — not financial advice.
Who are FIRST NORTHERN COMMUNITY BANCORP's (FNRN) competitors?
Notable peers of FIRST NORTHERN COMMUNITY BANCORP (FNRN) include Tri Counties Bank, River City Bank, Mechanics Bank, Safe Credit Union and Umpqua Bank. This peer set is informational only — not financial advice.
Is FIRST NORTHERN COMMUNITY BANCORP (FNRN) overbought or oversold right now?
FIRST NORTHERN COMMUNITY BANCORP (FNRN) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 45, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on FNRN come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.