First Northern Community Bancorp (FNRN)


Market Price (9/21/2026): $17.25 | Market Cap: $278.1 MilSector: Financials | Industry: Regional Banks

First Northern Community Bancorp (FNRN)


Market Price (9/21/2026): $17.25
Market Cap: $278.1 Mil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.9%

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -195%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 12%

Low stock price volatility
Vol 12M is 20%

Expensive valuation multiples
P/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 32x

Key risks
FNRN key risks include [1] a significant loan portfolio concentration in specific California real estate and agricultural markets, Show more.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.9%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -195%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 12%
3 Low stock price volatility
Vol 12M is 20%
4 Expensive valuation multiples
P/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 32x
5 Key risks
FNRN key risks include [1] a significant loan portfolio concentration in specific California real estate and agricultural markets, Show more.

FNRN in ETFs

Weight = FNRN's share of each fund

VTI0.00%
IWM0.01%
AVUV0.01%
VTWO0.01%
IWN0.00%
DFAS0.00%
DFAC0.00%

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 9/1/2026

First Northern Community Bancorp (FNRN) stock has remained largely at the same level since 5/31/2026 because of the following key factors:

1. Net income for fiscal Q2 2026 (ended June 30, 2026) decreased by 13.5% to $4.7 million, or $0.29 per diluted share, compared to $5.5 million, or $0.33 per diluted share, in fiscal Q2 2025. This decline in quarterly profitability was a primary factor contributing to the negative stock movement.

2. Operating expenses rose, leading to a worsening efficiency ratio. Non-interest expenses increased by 9.74% year-over-year in fiscal Q2 2026, partly due to costs associated with a systems upgrade project. This resulted in a less favorable efficiency ratio, which worsened to 63.69% from 58.91% in the prior year.

Show more
Updated on 9/1/2026

First Northern Community Bancorp (FNRN) stock has remained largely at the same level since 5/31/2026 because of the following key factors:

1. Net income for fiscal Q2 2026 (ended June 30, 2026) decreased by 13.5% to $4.7 million, or $0.29 per diluted share, compared to $5.5 million, or $0.33 per diluted share, in fiscal Q2 2025. This decline in quarterly profitability was a primary factor contributing to the negative stock movement.

2. Operating expenses rose, leading to a worsening efficiency ratio. Non-interest expenses increased by 9.74% year-over-year in fiscal Q2 2026, partly due to costs associated with a systems upgrade project. This resulted in a less favorable efficiency ratio, which worsened to 63.69% from 58.91% in the prior year.

3. Higher credit provisions impacted quarterly earnings. The reduction in net income for fiscal Q2 2026 was also influenced by increased credit provisions. This indicates a more cautious stance on loan loss expectations or an actual increase in provisions, which can negatively affect investor confidence.

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Stock Movement Drivers

Fundamental Drivers

The 0.3% change in FNRN stock from 5/31/2026 to 9/20/2026 was primarily driven by a 1.8% change in the company's Shares Outstanding (Mil).
(LTM values as of)53120269202026Change
Stock Price ($)17.2017.260.3%
Change Contribution By: 
Total Revenues ($ Mil)75750.2%
Net Income Margin (%)31.1%30.1%-3.3%
P/E Multiple12.112.31.8%
Shares Outstanding (Mil)16161.8%
Cumulative Contribution0.3%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2026 to 9/20/2026
ReturnCorrelation
FNRN0.3% 
Market (SPY)0.9%-1.4%
Sector (XLF)8.3%31.5%

Fundamental Drivers

The 22.0% change in FNRN stock from 2/28/2026 to 9/20/2026 was primarily driven by a 12.1% change in the company's P/E Multiple.
(LTM values as of)22820269202026Change
Stock Price ($)14.1517.2622.0%
Change Contribution By: 
Total Revenues ($ Mil)72753.9%
Net Income Margin (%)29.0%30.1%3.7%
P/E Multiple11.012.312.1%
Shares Outstanding (Mil)16161.0%
Cumulative Contribution22.0%

LTM = Last Twelve Months as of date shown

Market Drivers

2/28/2026 to 9/20/2026
ReturnCorrelation
FNRN22.0% 
Market (SPY)11.6%7.1%
Sector (XLF)9.2%16.3%

Fundamental Drivers

The 50.4% change in FNRN stock from 8/31/2025 to 9/20/2026 was primarily driven by a 32.1% change in the company's P/E Multiple.
(LTM values as of)83120259202026Change
Stock Price ($)11.4817.2650.4%
Change Contribution By: 
Total Revenues ($ Mil)72754.4%
Net Income Margin (%)28.4%30.1%5.9%
P/E Multiple9.312.332.1%
Shares Outstanding (Mil)17163.0%
Cumulative Contribution50.4%

LTM = Last Twelve Months as of date shown

Market Drivers

8/31/2025 to 9/20/2026
ReturnCorrelation
FNRN50.4% 
Market (SPY)19.4%5.2%
Sector (XLF)4.7%12.1%

Fundamental Drivers

The 107.1% change in FNRN stock from 8/31/2023 to 9/20/2026 was primarily driven by a 70.6% change in the company's P/E Multiple.
(LTM values as of)83120239202026Change
Stock Price ($)8.3417.26107.1%
Change Contribution By: 
Total Revenues ($ Mil)71756.1%
Net Income Margin (%)27.3%30.1%10.2%
P/E Multiple7.212.370.6%
Shares Outstanding (Mil)17163.8%
Cumulative Contribution107.1%

LTM = Last Twelve Months as of date shown

Market Drivers

8/31/2023 to 9/20/2026
ReturnCorrelation
FNRN107.1% 
Market (SPY)75.6%6.1%
Sector (XLF)69.8%13.7%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
FNRN Return7%-17%16%18%40%35%128%
Peers Return68%3%-2%0%22%24%158%
S&P 500 Return27%-19%24%23%16%12%103%

Monthly Win Rates [3]
FNRN Win Rate50%25%50%58%67%89% 
Peers Win Rate56%50%53%42%62%64% 
S&P 500 Win Rate75%42%67%75%67%44% 

Max Drawdowns [4]
FNRN Max Drawdown-14%-29%-22%-6%-7%-12% 
Peers Max Drawdown-19%-25%-32%-29%-20%-12% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 


[1] Cumulative total returns since the beginning of 2021
[2] Peers: FSBC, PLBC, SSBI, MCHB.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 9/18/2026 (YTD)

How Low Can It Go

EventFNRNS&P 500
2023 SVB Regional Banking Crisis
  % Loss-20.6%-6.7%
  % Gain to Breakeven26.0%7.1%
  Time to Breakeven80 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-21.2%-24.5%
  % Gain to Breakeven27.0%32.4%
  Time to Breakeven288 days427 days
2020 COVID-19 Crash
  % Loss-31.1%-33.7%
  % Gain to Breakeven45.1%50.9%
  Time to Breakeven357 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-21.2%-19.2%
  % Gain to Breakeven26.9%23.8%
  Time to Breakeven2071 days105 days

Compare to FSBC, PLBC, SSBI, MCHB

In The Past

First Northern Community Bancorp's stock fell 0.0% during the 2025 US Tariff Shock. Such a loss loss requires a 0.0% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

EventFNRNS&P 500
2023 SVB Regional Banking Crisis
  % Loss-20.6%-6.7%
  % Gain to Breakeven26.0%7.1%
  Time to Breakeven80 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-21.2%-24.5%
  % Gain to Breakeven27.0%32.4%
  Time to Breakeven288 days427 days
2020 COVID-19 Crash
  % Loss-31.1%-33.7%
  % Gain to Breakeven45.1%50.9%
  Time to Breakeven357 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-21.2%-19.2%
  % Gain to Breakeven26.9%23.8%
  Time to Breakeven2071 days105 days

Compare to FSBC, PLBC, SSBI, MCHB

In The Past

First Northern Community Bancorp's stock fell 0.0% during the 2025 US Tariff Shock. Such a loss loss requires a 0.0% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About First Northern Community Bancorp (FNRN)

First Northern Community Bancorp (FNRN) operates as a bank holding company, with its primary subsidiary being First Northern Bank of Dixon. Based in Dixon, California, the company provides a comprehensive suite of commercial banking products and services. Its operations are concentrated in Northern California, where it maintains eleven full-service branches across various cities including Auburn, Davis, Sacramento, and Vacaville, alongside specialized offices for residential mortgage and commercial lending.

The company's core business involves offering diverse financial products. On the deposit side, it accepts demand, interest-bearing transaction, savings, money market, and time deposits. Its lending activities span a broad range, encompassing commercial, commercial real estate, agriculture, residential mortgage, residential construction, and consumer loans.

In addition to traditional banking, FNRN extends its services to include credit cards, investment and brokerage services, alternative investment products, and fiduciary services. Through partnerships with third parties, the bank also offers equipment leasing, merchant card processing, payroll, and international banking services. The company primarily caters to individuals and small to medium-sized businesses within its established Northern California market.

AI Analysis | Feedback

Here are a few brief analogies for First Northern Community Bancorp (FNRN):

  • It's like a community-focused version of Bank of America, tailored for specific towns in Northern California.
  • Think of it as a regional Wells Fargo, specifically serving individuals and businesses in Northern California communities.
  • It's the local, hometown bank equivalent of a larger institution, providing comprehensive services in its Northern California service areas.

AI Analysis | Feedback

  • Deposit Accounts: Offers various accounts including demand deposits, interest-bearing transaction deposits, savings, money market accounts, and time deposits.
  • Commercial Loans: Provides financing for general business operations, commercial real estate, and agriculture.
  • Residential Loans: Offers loans for purchasing, refinancing, and constructing residential properties.
  • Consumer Loans: Supplies personal loans for individual financial needs.
  • Credit Cards: Issues credit products for personal and business use.
  • Investment & Brokerage Services: Assists clients with investment management, securities trading, and alternative investment products.
  • Fiduciary Services: Provides trust and asset management services for individuals and businesses.
  • Business Support Services: Offers equipment leasing, merchant card processing, payroll, and international banking services.
  • General Banking Services: Provides customary services such as cashier's checks and safe deposit box rentals.

AI Analysis | Feedback

First Northern Community Bancorp (FNRN) provides commercial banking products and services to a diverse customer base within its operational area in California. Given the nature of a regional bank, its customer base is broad rather than concentrated in a few named major corporate customers. Therefore, the customers are best described in categories rather than by specific names.

The major customer categories served by First Northern Community Bancorp are:

  1. Individuals: This category includes customers seeking a range of personal banking services such as demand deposits, interest-bearing transaction deposits, savings and money market accounts, time deposits, residential mortgages, residential construction loans, consumer loans, credit cards, investment and brokerage services, alternative investment products, and fiduciary services.

  2. Small to Medium-Sized Businesses: This segment comprises businesses that utilize the bank's commercial banking products and services, including commercial loans, commercial real estate loans, equipment leasing, merchant card processing, payroll, and international banking services.

  3. Agricultural Businesses: A specialized subset of businesses, particularly relevant in the bank's service area, engaged in agriculture and utilizing specific services such as agriculture loans.

AI Analysis | Feedback

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AI Analysis | Feedback

Jeremiah Z. Smith, President & Chief Executive Officer

Jeremiah Z. Smith was named President & Chief Executive Officer of First Northern Community Bancorp and its subsidiary, First Northern Bank, effective January 1, 2023. He previously served as Senior Executive Vice President and Chief Operating Officer of First Northern from 2014 to 2022, and as Executive Vice President and Chief Financial Officer from 2010 to 2014. Mr. Smith joined the Bank in 2003. He holds a Bachelor of Science in Business Administration with a concentration in Finance from California State University, Sacramento, and is a graduate of the Pacific Coast Banking School.

Kevin M. Spink, Executive Vice President & Chief Financial Officer

Kevin M. Spink was appointed Executive Vice President/Chief Financial Officer of First Northern Bank in February 2018. He joined the Bank in 2016 as Senior Vice President/Corporate Controller. Prior to First Northern, Mr. Spink spent seven years with KPMG, LLP, gaining audit expertise in the banking and finance industries, and five years with Rabobank, where his last position was Senior Vice President/Chief Accounting Officer. He is a Certified Public Accountant (CPA) and a graduate of the Pacific Coast Banking School.

Brett Hamilton, Executive VP & Chief Credit Officer

Brett Hamilton serves as Executive Vice President & Chief Credit Officer.

Duane Swizer, Executive Vice President & Chief Information Officer

Duane Swizer holds the position of Executive Vice President & Chief Information Officer.

Libby Sanchez, Executive Vice President & Chief Human Resources Officer

Libby Sanchez joined First Northern Bank in 2019 and serves as Executive Vice President/Chief Human Resources Officer. She holds a B.S. in Business Administration-Marketing from San Jose State University and is certified as SHRM-SCP, SPHR, and PHRca. Ms. Sanchez serves on the board of the Society for the Blind.

AI Analysis | Feedback

First Northern Community Bancorp (FNRN) faces several key risks inherent to the banking industry and its specific business model.

The most significant risks include:

  1. Credit Risk and Economic Downturns: As a community bank, First Northern Community Bancorp's profitability is highly dependent on the credit quality of its loan portfolio, which includes a substantial portion of commercial, commercial real estate, agriculture, and residential mortgage loans. An economic downturn, particularly in the California counties it serves, or weakness in the real estate market, could lead to increased loan defaults and losses, materially impacting its financial condition and results of operations. The bank's dependence on real estate lending increases its risk of losses.
  2. Interest Rate Risk and Funding Costs: Fluctuations in interest rates can significantly affect the bank's net interest margin and overall profitability. Recent reports indicate a decline in loan yields and a decrease in average non-interest-bearing deposits, which could increase funding costs if the mix shifts towards interest-bearing accounts. Upward pressure on interest rates due to broader economic factors, such as government debt and fiscal policies, could also adversely affect the bank's investment securities portfolio and the general level of business activity.
  3. Competition and Regulatory Environment: First Northern Community Bancorp operates in a competitive banking landscape and is subject to extensive supervision by federal and state regulators. Changes in government monetary and fiscal policies, evolving privacy and consumer protection rules, and intense industry competition can impact the bank's earnings and growth, requiring continuous adaptation and investment in compliance and services.

AI Analysis | Feedback

The clear emerging threats to First Northern Community Bancorp (FNRN) primarily arise from the rapid growth of **digital-first banks and specialized financial technology (fintech) companies**. These competitors offer banking products and services (such as demand deposits, interest-bearing accounts, various loans, and payment processing) through online and mobile platforms, often with lower overheads, more competitive rates, and superior digital user experiences. This trend directly challenges FNRN's traditional branch-based model and its reliance on a physical footprint, allowing customers, including individuals and small to medium-sized businesses, to access comprehensive banking services without the need for physical branches, thereby eroding FNRN's market share and competitive advantage in its operating regions.

AI Analysis | Feedback

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AI Analysis | Feedback

Here are the expected drivers of future revenue growth for First Northern Community Bancorp (FNRN) over the next 2-3 years:

  1. Commercial Loan Growth: First Northern Community Bancorp anticipates continued revenue growth through an increase in its commercial loan portfolio. The company's net interest income in the first quarter of 2026 was notably driven by overall loan growth and improved yields on interest-earning assets, with a specific increase in commercial loans contributing to this trend.
  2. Expansion of Non-Interest Income through Wealth Management: Growth in non-interest income, particularly from investment and brokerage services, is expected to be a significant driver. This is primarily fueled by client acquisition initiatives, such as the Beacon Wealth client acquisition completed in the fourth quarter of 2025, which led to a substantial rise in investment and brokerage income in the first quarter of 2026.
  3. Net Interest Margin Expansion: The company's ability to expand its net interest margin (NIM) will contribute to future revenue growth. In Q1 2026, the net interest margin expanded to 3.83%, an increase from the prior year, attributed to loan growth and effective management of funding costs. Sustaining or further expanding this margin will directly enhance interest income.
  4. Enhanced Digital Banking and Technology Modernization: Strategic investments in technology modernization and improvements to the client experience are aimed at driving future growth. Initiatives for 2026 include modernizing the core banking platform and redesigning online banking and mobile applications to provide a more intuitive digital experience. These enhancements are expected to attract and retain clients, supporting thoughtful growth through improved access and service delivery.

AI Analysis | Feedback

Share Repurchases

  • A stock repurchase program was authorized on March 30, 2026, allowing for repurchases of up to 984,579 shares, or approximately $15.6 million, effective from May 1, 2026, to April 30, 2028.
  • A previous stock repurchase program was announced on June 2, 2021, authorizing repurchases of up to 547,203 shares, or approximately $6.2 million, effective from June 15, 2021, to June 14, 2023.

Share Issuance

  • A 5% stock dividend was declared on January 22, 2026, and paid on March 25, 2026.
  • A 5% stock dividend was also declared on January 23, 2025.
  • An equity grant of 2,500 shares of common stock was awarded to Executive Vice President and Chief Commercial Banking Officer Charles Cochran.

Outbound Investments

  • First Northern Bank acquired Beacon Wealth Strategies in late 2025, expanding its investment and brokerage services.

Capital Expenditures

  • The company focuses on disciplined capital management, maintaining a well-capitalized status with robust capital ratios.
  • Capital management has focused on maintaining a low cost of funds, optimizing funding sources, and effectively managing interest rate fluctuations.

Peer Outperformance in Regional Banks

FNRN has outperformed 74% of its 264 Regional Banks peers over 5Y. Among the peers that beat it are FBP and BPOP. Regional Banks ranks 7th of 18 industries in Financials by median 5Y return.
Share of Regional Banks constituents that FNRN has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
86%
of 288 industry peers · 45.0% return
3Y
66%
of 277 industry peers · 109.2% return
5Y
74%
of 264 industry peers · 101.2% return
Regional Banks peers with revenue growth within 4pp of FNRN's that beat it on at least 2 of 3 windows, and by at least 20pp over 5Y. Growth is matched by construction, so the gap is largely a re-rating gap. The multiple column is the context for it.
Ticker Name Rev Growth 3Y Avg P/E 1Y3Y5Y 5Y Gap
FNRN First Northern Community Bancorp 2.0% 12.3x 45.0%109.2%101.2%
FBP First BanCorp 2.9% 11.4x 29.1%131.6%174.3% +73pp
BPOP Popular 2.8% 10.7x 29.5%183.6%160.6% +59pp
Price returns, excluding dividends. P/E shown for context only and not used for matching.
Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is FNRN's own industry. Use this to see which corners of the sector have carried the returns.
Industry Names 1Y med3Y med5Y med Top 3 by 5Y
Reinsurance 6 24.2%70.6%133.7% SPNT 170% · RGA 154% · RNR 140%
Investment Banking & Brokerage 13 -1.7%105.1%116.5% IBKR 527% · SNEX 257% · HOOD 183%
Diversified Banks 12 27.5%129.8%116.3% CM 161% · JPM 159% · RY 149%
Life & Health Insurance 20 8.6%57.6%105.8% JXN 534% · UNM 373% · FG 207%
Multi-Sector Holdings 4 6.8%50.2%87.3% JONE 361% · VOYA 88% · BRK-B 87%
Property & Casualty Insurance 42 9.6%67.5%67.8% ASIC 2760900% · HRTG 445% · UVE 331%
Regional Banks ← 265 23.9%91.7%67.1% ESQ 391% · GCBC 340% · VBNK 335%
Multi-line Insurance 9 8.8%71.2%64.1% GNW 201% · L 112% · SLF 104%
Financial Exchanges & Data 15 -0.1%17.4%32.7% VIRT 184% · CBOE 135% · CME 83%
Diversified Financial Services 4 -7.3%22.1%32.6% FRHC 168% · EQH 119% · TMS -54%
Consumer Finance 30 1.7%89.6%26.9% ENVA 447% · EZPW 319% · FCFS 168%
Insurance Brokers 16 -15.1%-6.3%20.3% LIFE 200% · ARX 87% · AJG 70%
Commercial & Residential Mortgage Finance 14 -50.2%32.8%13.9% FNMA 454% · FMCC 436% · ACT 204%
Asset Management & Custody Banks 84 -11.7%17.6%12.0% WT 348% · SII 279% · VCTR 274%
Specialized Finance 3 14.0%42.2%-2.8% EFC 27% · CACC -3% · HASI -16%
Mortgage REITs 33 -13.0%7.4%-16.5% NREF 53% · RITM 42% · DX 34%
Transaction & Payment Processing Services 15 -1.0%-5.9%-42.9% V 74% · MA 73% · CPAY 58%
Diversified Capital Markets 20 -36.3%20.7%-48.1% OPY 196% · LPLA 136% · GOLD 90%
Median of constituents with a full price history over each window. Top names are unfiltered by size in this render.

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

FNRNFSBCPLBCSSBIMCHBMedian
NameFirst No.Five Sta.Plumas B.Summit S.Mechanic. 
Mkt Price17.2644.4762.7112.3515.4017.26
Mkt Cap0.30.90.40.13.40.4
Rev LTM7517710736771107
Op Inc LTM------
FCF LTM680321418432
FCF 3Y Avg1559285-21
CFO LTM982331419433
CFO 3Y Avg1660296-22

Growth & Margins

FNRNFSBCPLBCSSBIMCHBMedian
NameFirst No.Five Sta.Plumas B.Summit S.Mechanic. 
Rev Chg LTM4.4%26.8%26.7%9.6%31.1%26.7%
Rev Chg 3Y Avg2.0%14.7%14.7%-8.8%133.0%14.7%
Rev Chg Q0.7%25.7%39.7%15.1%34.2%25.7%
QoQ Delta Rev Chg LTM0.2%5.8%8.2%3.8%7.1%5.8%
Op Inc Chg LTM------
Op Inc Chg 3Y Avg------
Op Mgn LTM------
Op Mgn 3Y Avg------
QoQ Delta Op Mgn LTM------
CFO/Rev LTM11.5%46.4%31.0%37.3%25.2%31.0%
CFO/Rev 3Y Avg22.5%40.5%35.7%15.4%-29.1%
FCF/Rev LTM8.4%45.6%29.7%37.2%23.8%29.7%
FCF/Rev 3Y Avg20.8%39.9%34.6%15.1%-27.7%

Valuation

FNRNFSBCPLBCSSBIMCHBMedian
NameFirst No.Five Sta.Plumas B.Summit S.Mechanic. 
Mkt Cap0.30.90.40.13.40.4
P/S3.75.44.12.34.44.1
P/Op Inc------
P/EBIT------
P/E12.313.112.213.912.112.3
P/CFO32.111.513.26.117.513.2
Total Yield8.1%9.6%10.2%7.2%17.2%9.6%
Dividend Yield0.0%2.0%2.0%0.0%8.9%2.0%
FCF Yield 3Y Avg8.9%8.3%10.0%6.3%-8.6%
D/E0.00.10.10.10.10.1
Net D/E-1.9-0.7-1.1-1.4-0.1-1.1

Returns

FNRNFSBCPLBCSSBIMCHBMedian
NameFirst No.Five Sta.Plumas B.Summit S.Mechanic. 
1M Rtn-1.4%-1.5%2.0%-3.4%-3.4%-1.5%
3M Rtn-6.2%-0.4%13.5%-9.1%6.7%-0.4%
6M Rtn22.1%23.7%32.6%-6.8%15.7%22.1%
12M Rtn45.0%38.2%48.5%3.3%25.1%38.2%
3Y Rtn109.2%142.4%98.8%-16.3%33.7%98.8%
1M Excs Rtn-0.3%-0.8%3.6%-2.7%-5.6%-0.8%
3M Excs Rtn-8.2%-2.4%11.5%-11.1%4.7%-2.4%
6M Excs Rtn6.3%6.5%17.0%-20.7%-0.6%6.3%
12M Excs Rtn29.7%22.7%32.6%-11.7%14.3%22.7%
3Y Excs Rtn37.1%60.0%26.5%-90.2%-37.5%26.5%

Comparison Analyses

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Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Banking operations7470736254
Total7470736254


Net Income by Segment
$ Mil202520242023
Banking operations212022
Total212022


Assets by Segment
$ Mil202520242023
Banking operations1,9111,8921,872
Total1,9111,8921,872


Price Behavior

Price Behavior
Market Price$17.26 
Market Cap ($ Bil)0.3 
First Trading Date07/23/2012 
Distance from 52W High-8.2% 
   50 Days200 Days
DMA Price$16.87$13.57
DMA Trendupdown
Distance from DMA2.3%27.2%
 3M1YR
Volatility24.4%21.4%
Downside Capture46.60-7.07
Upside Capture7.6939.78
Correlation (SPY)3.7%5.6%
FNRN Betas & Captures as of 8/31/2026

 1M2M3M6M1Y3Y
Beta-0.40-0.16-0.120.100.050.05
Up Beta0.38-0.77-0.48-0.19-0.06-0.02
Down Beta1.800.19-0.38-0.180.020.08
Up Capture-150%-28%3%39%24%5%
Bmk +ve Days10213268138427
Stock +ve Days515284792207
Down Capture-13%39%21%16%-19%-15%
Bmk -ve Days11213259113324
Stock -ve Days1222305585226

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with FNRN
FNRN43.8%22.1%1.84-
Sector ETF (XLF)4.5%14.6%0.0812.8%
Equity (SPY)16.9%12.9%0.947.5%
Gold (GLD)19.1%29.3%0.605.6%
Commodities (DBC)46.3%20.6%1.73-6.8%
Real Estate (VNQ)4.9%13.6%0.104.4%
Bitcoin (BTCUSD)-30.6%44.3%-0.70-5.2%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with FNRN
FNRN16.7%22.6%1.13-
Sector ETF (XLF)10.1%18.4%0.418.6%
Equity (SPY)12.9%17.2%0.570.7%
Gold (GLD)19.1%18.8%0.83-0.4%
Commodities (DBC)11.2%19.5%0.45-3.8%
Real Estate (VNQ)1.1%18.8%-0.051.4%
Bitcoin (BTCUSD)12.5%52.5%0.42-5.7%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with FNRN
FNRN14.1%22.2%1.02-
Sector ETF (XLF)12.9%22.1%0.5320.2%
Equity (SPY)15.1%18.0%0.7213.5%
Gold (GLD)12.1%16.4%0.61-3.2%
Commodities (DBC)8.3%18.1%0.375.0%
Real Estate (VNQ)4.4%20.7%0.1814.3%
Bitcoin (BTCUSD)62.6%66.2%1.023.0%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date8312026
Short Interest: Shares Quantity0.6 Mil
Short Interest: % Change Since 8152026-3.4%
Average Daily Volume0.1 Mil
Days-to-Cover Short Interest7.3 days
Basic Shares Quantity16.1 Mil
Short % of Basic Shares4.0%

Earnings Returns History

Updated 9/2/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
7/30/20260.9%-2.4%-6.1%
4/30/20262.4%6.5%2.9%
1/30/20262.4%5.4%7.7%
10/30/2025-0.2%-0.6%2.4%
7/30/20250.0%0.3%8.5%
4/30/20250.0%-0.4%1.5%
1/30/2025-0.1%0.4%9.0%
10/30/20240.0%1.2%0.7%
...
SUMMARY STATS   
# Positive181414
# Negative377
Median Positive0.1%0.9%4.2%
Median Negative-0.2%-1.8%-1.1%
Max Positive3.4%6.5%9.0%
Max Negative-1.5%-3.0%-9.7%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
7/30/20260.9%-2.4%-6.1%
4/30/20262.4%6.5%2.9%
1/30/20262.4%5.4%7.7%
10/30/2025-0.2%-0.6%2.4%
7/30/20250.0%0.3%8.5%
4/30/20250.0%-0.4%1.5%
1/30/2025-0.1%0.4%9.0%
10/30/20240.0%1.2%0.7%
7/30/20240.0%-1.1%1.0%
4/30/20240.6%0.0%-0.4%
1/30/20241.7%1.6%1.9%
10/27/20230.1%-3.0%-9.7%
7/28/20233.4%3.8%8.4%
4/28/20230.7%-2.1%-0.9%
1/30/20230.0%2.4%8.2%
10/27/20220.9%-1.8%5.7%
7/29/20220.0%0.2%-3.3%
4/29/20220.0%0.0%-1.1%
1/28/2022-1.5%0.9%5.5%
10/28/20210.0%0.4%0.4%
7/29/20210.0%0.8%-0.5%
SUMMARY STATS   
# Positive181414
# Negative377
Median Positive0.1%0.9%4.2%
Median Negative-0.2%-1.8%-1.1%
Max Positive3.4%6.5%9.0%
Max Negative-1.5%-3.0%-9.7%

SEC Filings

Expand for More
Report DateFiling DateFiling
06/30/202608/07/202610-Q
03/31/202605/07/202610-Q
12/31/202503/13/202610-K
09/30/202511/07/202510-Q
06/30/202508/08/202510-Q
03/31/202505/09/202510-Q
12/31/202403/07/202510-K
09/30/202411/08/202410-Q
06/30/202408/09/202410-Q
03/31/202405/09/202410-Q
12/31/202303/11/202410-K
09/30/202311/09/202310-Q
06/30/202308/10/202310-Q
03/31/202305/12/202310-Q
12/31/202203/10/202310-K
09/30/202211/09/202210-Q
Collapse to Preview
Report DateFiling DateFiling
06/30/202608/07/202610-Q
03/31/202605/07/202610-Q
12/31/202503/13/202610-K
09/30/202511/07/202510-Q
06/30/202508/08/202510-Q
03/31/202505/09/202510-Q
12/31/202403/07/202510-K
09/30/202411/08/202410-Q
06/30/202408/09/202410-Q
03/31/202405/09/202410-Q
12/31/202303/11/202410-K
09/30/202311/09/202310-Q
06/30/202308/10/202310-Q
03/31/202305/12/202310-Q
12/31/202203/10/202310-K
09/30/202211/09/202210-Q
06/30/202208/11/202210-Q
03/31/202205/12/202210-Q
12/31/202103/14/202210-K
09/30/202111/04/202110-Q
06/30/202108/05/202110-Q
03/31/202105/07/202110-Q
12/31/202003/08/202110-K
09/30/202011/04/202010-Q
06/30/202008/05/202010-Q
03/31/202005/07/202010-Q
12/31/201903/05/202010-K
09/30/201911/06/201910-Q

Insider Activity

Updated 8/14/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Martinez, Richard M DirectSell813202617.512,00035,0101,264,786Form
2Servat, Jean-Luc DirectBuy812202617.291,00017,29097,429Form
3Schulze, Mark C DirectSell812202617.401,11819,45412,701,136Form
4Schulze, Mark C DirectSell812202617.065,25089,55312,469,813Form
5Schulze, Mark C DirectSell811202618.114007,24413,333,310Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Martinez, Richard M DirectSell813202617.512,00035,0101,264,786Form
2Servat, Jean-Luc DirectBuy812202617.291,00017,29097,429Form
3Schulze, Mark C DirectSell812202617.401,11819,45412,701,136Form
4Schulze, Mark C DirectSell812202617.065,25089,55312,469,813Form
5Schulze, Mark C DirectSell811202618.114007,24413,333,310Form
6Schulze, Mark C DirectSell806202618.302324,24613,481,409Form
7Schulze, Mark C DirectSell806202618.403,00055,21113,561,999Form
8Smith, Jeremiah ZacharyPresident/CEO/DirectorDirectSell518202617.696,783120,0032,734,588Form
9Schulze, Mark C DirectSell514202617.792,00035,57213,160,235Form
10Schulze, Mark C DirectSell511202617.783,00053,34213,191,726Form
11Spink, KevinEVP/Chief Financial OfficerDirectSell506202617.048,271140,936783,183Form
12Servat, Jean-Luc DirectBuy219202614.525638,17350,273Form
13Hayes, Barbara A DirectBuy219202614.701712,514180,413Form
14Servat, Jean-Luc DirectBuy219202614.6290013,15642,393Form
15Servat, Jean-Luc DirectBuy212202614.604005,84029,200Form
16Servat, Jean-Luc DirectBuy212202614.461,60023,13323,133Form
17Bedoya, Richard DirectBuy212202614.4989312,94042,122Form
18Bedoya, Richard DirectBuy807202511.192,01422,53722,537Form
Core Cache Last Updated: 9/20/2026