First Northern Community Bancorp (FNRN)

FNRN Ratios and Metrics

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

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 24, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	261	210	152	132	113	136
Market Cap Growth	71.13%	38.24%	15.41%	16.36%	-17.11%	3.98%
Last Close Price	15.85	12.72	9.06	7.71	6.66	8.03
PE Ratio	12.48	9.93	7.58	6.10	7.12	9.61
PS Ratio	3.55	2.85	2.15	1.83	1.86	2.45
PB Ratio	1.23	0.99	0.86	0.83	0.90	0.90
P/FCF Ratio	50.19	40.37	7.91	5.04	5.27	5.57
P/OCF Ratio	37.82	30.42	7.77	4.82	5.19	5.40
Debt / Equity Ratio	0.03	0.03	0.02	0.03	0.04	0.04
Debt / FCF Ratio	1.12	1.12	0.19	0.18	0.25	0.23
Net Debt / Equity Ratio	-0.71	-0.71	-0.75	-1.03	-1.62	-2.34
Net Debt / FCF Ratio	-28.85	-28.85	-6.87	-6.30	-9.47	-14.45
Return on Equity (ROE)	10.88%	10.88%	11.94%	15.16%	11.51%	9.41%
Return on Assets (ROA)	1.11%	1.11%	1.06%	1.15%	0.84%	0.80%
Earnings Yield	8.10%	10.07%	13.20%	16.39%	14.05%	10.40%
FCF Yield	1.99%	2.48%	12.65%	19.83%	18.96%	17.95%
Payout Ratio	0.04%	0.04%	0.03%	0.03%	0.05%	0.06%
Buyback Yield / Dilution	1.87%	1.87%	0.00%	-0.40%	2.66%	0.18%

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