First Northern Community Bancorp
FNRN 
OTCQB
Sector: Financial Services
Industry: Banks - Regional - US
9.90
USD
0.00
(0.00%)
Optionable: No Market Cap: 131 M 90-day average vol: 4,286
Previous close: 9.9 Open: 9.9 Bid: Ask:
52 week range
9.90 11.60
Last updated: Thursday 14th April 2022
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Valuation
Price per Sales TTM ($) | 3.13 |
Price per Book TTM ($) | 0.87 |
PE Ratio (TTM) | 10.00 |
Book Value per Share ($) | 10.93 |
5 Year PE Range9.8 |
Returns
Risk
Dividends
Financial Health
Technicals
RSI (14 Day) | 27.16 |
14 Day SMA ($) | 10.10 |
14 Day EMA ($) | 10.11 |
Money Flow Index | 47.56 |
Average True Range | 1.83 |
50 Day SMA ($) | 10.51 |
200 Day SMA ($) | 10.78 |
ADX | 8.78 |
MACD | -0.17 |
Growth
Free Cash Flow QoQ Growth | -67.22% |
Free Cash Flow YoY Growth | -24.37% |
Revenue YoY Growth | 1.58% |
EPS QoQ Growth | 41.67% |
Revenue QoQ Growth | 2.00% |
EPS YoY Growth | -13.46% |
Financials
FNRN Income Statement
Annual
| Dec-13 | Dec-14 | Dec-16 | Dec-17 | Dec-18 | Dec-19 | Dec-20 | Dec-21 | Dec-22 | Dec-23 | |
|---|---|---|---|---|---|---|---|---|---|---|
| AccruedPreferredStockDividends | 677000.0 | 129000.0 | ||||||||
| Amortization of intangibles | -118000.0 | -66000.0 | ||||||||
| Basic EPS from continuing operations | 0.47 | 0.54 | 0.7 | 0.72 | 0.99 | 1.1 | 0.82 | 0.96 | 1.06 | 1.42 |
| Basic EPS total | 0.99 | 1.1 | 0.82 | 0.96 | 1.06 | 1.42 | ||||
| Basic weighted shares outstanding | 10 M | 11 M | 12 M | 12 M | 13 M | 13 M | 15 M | 15 M | 15 M | 15 M |
| CreditLossesProvision | 1 M | 2 M | 2 M | 600000.0 | 2 M | 466000.0 | 3 M | 2 M | 900000.0 | 1 M |
| Depreciation | -692000.0 | -672000.0 | -633000.0 | -600000.0 | -565000.0 | -721000.0 | 943000.0 | 764000.0 | 774000.0 | 1 M |
| Depreciation unreconciled | 829000.0 | |||||||||
| DepreciationAndAmortization | -692000.0 | -672000.0 | -633000.0 | -600000.0 | -565000.0 | -721000.0 | 943000.0 | 764000.0 | 774000.0 | 829000.0 |
| Diluted EPS total | 0.97 | 1.09 | 0.82 | 0.95 | 1.04 | 1.41 | ||||
| Diluted normalized net income/share | 0.46 | 0.53 | 0.7 | 0.71 | 0.97 | 1.09 | 0.82 | 0.95 | 1.04 | 1.41 |
| Diluted weighted shares outstanding | 10 M | 11 M | 12 M | 12 M | 13 M | 14 M | 15 M | 15 M | 15 M | 15 M |
| FeesAndCommissions | 2 M | 2 M | 2 M | -14000.0 | -20000.0 | -3000.0 | 296000.0 | -221000.0 | -152000.0 | -112000.0 |
| GainOnSaleOfBusiness | 1 M | |||||||||
| GeneralAndAdministrativeExpense | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | ||||
| Income before tax | 8 M | 9 M | 13 M | 17 M | 17 M | 20 M | 17 M | 19 M | 22 M | 30 M |
| Income taxes | 3 M | 3 M | 5 M | 8 M | 5 M | 6 M | 5 M | 5 M | 6 M | 8 M |
| InsuranceAndClaims | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | ||||
| Interest expense | -1 M | -1 M | -1 M | -1 M | 1 M | 2 M | 1 M | 912000.0 | 1 M | 8 M |
| InterestExpenseForDeposit | 1 M | 1 M | 1 M | 1 M | 1 M | 2 M | 1 M | 848000.0 | 1 M | 7 M |
| InterestIncome | 29 M | 31 M | 36 M | 40 M | 46 M | 49 M | 49 M | 47 M | 56 M | 74 M |
| InterestIncomeAfterProvisionForLoanLoss | 25 M | 26 M | 31 M | 38 M | 42 M | 47 M | 44 M | 45 M | 54 M | 65 M |
| InterestIncomeFromDeposits | 431000.0 | 595000.0 | 891000.0 | 2 M | 2 M | 3 M | 1 M | 722000.0 | 4 M | 9 M |
| InterestIncomeFromInvestmentSecurities | 3 M | 3 M | 4 M | 5 M | 6 M | 7 M | 7 M | 7 M | 9 M | 12 M |
| InterestIncomeFromLoans | 25 M | 27 M | 31 M | 33 M | 37 M | 39 M | 41 M | 39 M | 43 M | 53 M |
| InterestIncomeFromLoansAndLease | 25 M | 27 M | 31 M | 33 M | 37 M | 39 M | 41 M | 39 M | 43 M | 53 M |
| InterestIncomeFromSecurities | 3 M | 3 M | 4 M | 5 M | 6 M | 7 M | 7 M | 7 M | 9 M | 12 M |
| Net income from total operations | 5 M | 6 M | 8 M | 9 M | 13 M | 15 M | 12 M | 14 M | 16 M | 22 M |
| NetIncomeCommonStockholders | 5 M | 6 M | 8 M | 9 M | 13 M | 15 M | 12 M | 11 M | 16 M | 22 M |
| NetIncomeContinuousOperations | 5 M | 6 M | 8 M | 9 M | 13 M | 15 M | 12 M | 14 M | 16 M | 22 M |
| NetInterestIncome | 26 M | 28 M | 33 M | 38 M | 44 M | 47 M | 47 M | 46 M | 55 M | 67 M |
| NetOccupancyExpense | 3 M | 3 M | 3 M | 3 M | 3 M | 3 M | 4 M | 3 M | 4 M | 4 M |
| NonInterestExpense | -27 M | -27 M | -27 M | -29 M | 32 M | 34 M | 35 M | 36 M | 39 M | 44 M |
| NonInterestIncome | 9 M | 7 M | 7 M | 8 M | 7 M | 7 M | 8 M | 8 M | 7 M | 8 M |
| Normalized income | 1 M | 5 M | ||||||||
| OccupancyAndEquipment | 3 M | 3 M | 3 M | 3 M | 3 M | 3 M | 4 M | 3 M | 4 M | 4 M |
| Other special charges | -1 M | -1 M | -1 M | -868000.0 | -878000.0 | -1 M | -15 M | -14 M | -15 M | -17 M |
| OtherGandA | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | ||||
| OtherInterestExpense | 84000.0 | 67000.0 | 78000.0 | 78000.0 | 144000.0 | -125000.0 | -64000.0 | -35000.0 | -410000.0 | |
| OtherInterestIncome | 157000.0 | 278000.0 | 521000.0 | 383000.0 | 518000.0 | 456000.0 | 371000.0 | 395000.0 | 532000.0 | 805000.0 |
| OtherNonInterestExpense | 2 M | 2 M | 2 M | 2 M | 2 M | 3 M | 8 M | 9 M | 10 M | 11 M |
| OtherNonInterestIncome | 6 M | 5 M | 4 M | 8 M | 7 M | 7 M | 5 M | 7 M | 7 M | 6 M |
| OtherunderPreferredStockDividend | 677000.0 | 129000.0 | ||||||||
| PreferredStockDividends | 677000.0 | 129000.0 | ||||||||
| ProfessionalExpenseAndContractServicesExpense | 221000.0 | 261000.0 | 291000.0 | 309000.0 | 296000.0 | 287000.0 | 314000.0 | 293000.0 | 290000.0 | 327000.0 |
| PromotionAndAdvertising | 374000.0 | 344000.0 | 308000.0 | 328000.0 | 373000.0 | 434000.0 | 418000.0 | 382000.0 | 496000.0 | 474000.0 |
| Revenue per share | -118000.0 | -66000.0 | 829000.0 | |||||||
| SalariesAndWages | 17 M | 16 M | 17 M | 18 M | 21 M | 22 M | 23 M | 23 M | 24 M | 26 M |
| SecuritiesActivities | 4000.0 | 48000.0 | -1000.0 | -14000.0 | -20000.0 | -3000.0 | 296000.0 | -221000.0 | -152000.0 | -112000.0 |
| Selling Gen & administrative expense | 23 M | 22 M | 23 M | 24 M | 27 M | 27 M | 24 M | 23 M | 25 M | 27 M |
| SellingAndMarketingExpense | 735000.0 | 659000.0 | 653000.0 | 660000.0 | 762000.0 | 729000.0 | 705000.0 | 635000.0 | 788000.0 | 823000.0 |
| ServiceChargeOnDepositorAccounts | 2 M | 2 M | 2 M | 575000.0 | 549000.0 | 523000.0 | 528000.0 | 530000.0 | 509000.0 | 473000.0 |
| Special income/charges | -2 M | -2 M | -2 M | -2 M | -2 M | -3 M | -8 M | -9 M | -10 M | -11 M |
| Total common shares outstanding | 14 M | 14 M | 14 M | 14 M | 14 M | 14 M | 14 M | 14 M | 15 M | 15 M |
| Total net income | 5 M | 6 M | 8 M | 9 M | 13 M | 15 M | 12 M | 14 M | 16 M | 22 M |
| Total ordinary shares | 15 M | 15 M | 15 M | 15 M | 15 M | 15 M | 15 M | 15 M | 15 M | 15 M |
| Total revenues | 36 M | 35 M | 40 M | 46 M | 52 M | 54 M | 55 M | 54 M | 62 M | 74 M |
| TotalRevenue | 36 M | 35 M | 40 M | 46 M | 52 M | 54 M | 55 M | 54 M | 62 M | 74 M |
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