First Northern Community Bancorp (FNRN)

FNRN Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb 12, 2026	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	228	152	132	113	136	131
Market Cap Growth	42.15%	15.41%	16.36%	-17.11%	3.98%	-7.25%
Last Close Price	14.59	9.51	8.09	7.00	8.43	7.91
PE Ratio	11.04	7.58	6.10	7.12	9.61	10.79
PS Ratio	3.17	2.15	1.83	1.86	2.45	2.52
PB Ratio	1.11	0.86	0.83	0.90	0.90	0.87
P/FCF Ratio	53.58	7.91	5.04	5.27	5.57	11.18
P/OCF Ratio	40.39	7.77	4.82	5.19	5.40	10.42
Debt / Equity Ratio	0.03	0.02	0.03	0.04	0.04	0.08
Debt / FCF Ratio	1.28	0.19	0.18	0.25	0.23	0.98
Return on Equity (ROE)	10.86%	11.94%	15.16%	11.51%	9.41%	8.58%
Return on Assets (ROA)	1.09%	1.06%	1.15%	0.84%	0.80%	0.83%
Earnings Yield	9.20%	13.20%	16.39%	14.05%	10.40%	9.27%
FCF Yield	1.87%	12.65%	19.83%	18.96%	17.95%	8.94%
Payout Ratio	0.04%	0.03%	0.03%	0.05%	0.06%	0.07%
Buyback Yield / Dilution	1.71%	-0.16%	-0.40%	2.66%	0.18%	0.13%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.