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Highlights

Market Cap
$304.23M
Enterprise Value
$164.64M
EPS (TTM)
$1.44
PE Ratio
12.74
PEG Ratio
1.03
Total Revenue (TTM)
$89.00M
Gross Profit (TTM)
$74.51M
EBITDA (TTM)
$32.04M
Year Range
$9.24 - $18.62
ROA (TTM)
1.21%
ROE (TTM)
10.93%

Share Price Chart


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First Northern Community Bancorp

Performance

FNRN Performance Chart

First Northern Community Bancorp (FNRN) is up 44.6% since the beginning of the year. At $18 per share, FNRN is trading just below its 52-week high of $19. Investors who bought $1,000 worth of FNRN shares 5 years ago would now be looking at an investment worth $1,979.


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S&P 500 Index

Returns By Period

First Northern Community Bancorp (FNRN) has returned 44.61% so far this year and 97.14% over the past 12 months. Over the last ten years, FNRN has returned 12.50% per year, falling short of the S&P 500 Index benchmark, which averaged 13.54% annually.


First Northern Community Bancorp

1D
1.32%
1M
5.32%
YTD
44.61%
6M
43.54%
1Y
97.14%
3Y*
44.91%
5Y*
14.63%
10Y*
12.50%

Benchmark (S&P 500 Index)

1D
0.00%
1M
-0.34%
YTD
8.39%
6M
8.57%
1Y
24.33%
3Y*
18.94%
5Y*
12.24%
10Y*
13.54%
*Multi-year figures are annualized to reflect compound growth (CAGR)

FNRN Monthly Returns History

Based on dividend-adjusted daily data since Jan 2, 2001, FNRN's average daily return is +0.03%, while the average monthly return is +0.44%. At this rate, an investment would double in approximately 13.2 years.

Historically, 51% of months were positive and 49% were negative. The best month was Jul 2023 with a return of +31.4%, while the worst month was May 2005 at -34.0%. The longest winning streak lasted 7 consecutive months, and the longest losing streak was 8 months.

On a daily basis, FNRN closed higher 23% of trading days. The best single day was Feb 10, 2009 with a return of +26.0%, while the worst single day was May 13, 2005 at -46.5%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20261.80%9.25%12.30%4.72%3.37%6.98%44.61%
2025-0.90%4.05%3.77%-3.83%1.53%-2.01%14.37%8.17%5.56%3.22%1.98%-0.22%40.42%
2024-1.91%0.20%8.26%-1.11%0.56%0.67%9.39%4.65%-0.58%-3.59%0.70%-0.10%17.60%
20232.47%8.80%-14.13%-4.54%-1.13%0.43%31.43%4.89%-1.66%-5.37%-9.89%10.23%15.63%
20222.83%1.99%-5.12%-6.86%-1.05%-1.70%-1.52%-3.85%-3.43%-7.93%7.33%-2.99%-20.98%
20212.97%-3.85%5.75%6.67%1.06%-1.32%-2.22%-0.82%0.37%-5.66%-0.29%-0.49%1.49%

Benchmark Metrics

First Northern Community Bancorp has an annualized alpha of 6.80%, beta of 0.05, and R2 of 0.00 versus S&P 500 Index. Calculated based on daily prices since January 02, 2001.

  • This stock participated in 38.07% of S&P 500 Index downside but only 27.00% of its upside - more exposed to losses than it benefited from rallies.
  • Beta of 0.05 may look defensive, but with R2 of 0.00 this stock is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
  • R2 of 0.00 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

Alpha
6.80%
Beta
0.05
0.00
Upside Capture
27.00%
Downside Capture
38.07%

Return for Risk

Risk / Return Rank

FNRN ranks 99 for risk / return — in the top 99% of stocks on our site. This means strong returns relative to risk — exactly what professional investors look for. Well-suited for investors who want to maximize return per unit of risk.


FNRN Risk / Return Rank: 9999
Overall Rank
FNRN Sharpe Ratio Rank: 9999
Sharpe Ratio Rank
FNRN Sortino Ratio Rank: 100100
Sortino Ratio Rank
FNRN Omega Ratio Rank: 100100
Omega Ratio Rank
FNRN Calmar Ratio Rank: 9999
Calmar Ratio Rank
FNRN Martin Ratio Rank: 100100
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

The table below present risk-adjusted performance metrics for First Northern Community Bancorp (FNRN) and compare them to S&P 500 Index.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.


FNRNBenchmarkDifference
Sharpe ratioReturn per unit of total volatility

+3.41

Sortino ratioReturn per unit of downside risk

+11.79

Omega ratioGain probability vs. loss probability

3.41

1.35

+2.06

Calmar ratioReturn relative to maximum drawdown

20.99

2.66

+18.33

Martin ratioReturn relative to average drawdown

83.02

11.86

+71.16

Dividends

Dividend History


First Northern Community Bancorp doesn't pay dividends

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


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Worst Drawdowns

The table below displays the maximum drawdowns of the First Northern Community Bancorp. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the First Northern Community Bancorp was 89.04%, occurring on Mar 5, 2009. The portfolio has not yet recovered.

The current First Northern Community Bancorp drawdown is 27.63%.


Related event

Drawdown

Fall

Recovery

Underwater

Financial crisis2007–2009
-89.04%Mar 2009
3y 10mo
21y 1moMay 2005 - now
Dot-com crash2000–2002
-22.41%Oct 2002
7mo 18d2y 2mo
2y 10moMar 2002 - Jan 2005
Dot-com crash2000–2002
-10.51%Apr 2001
2mo 11d2mo 6d
4mo 17dFeb 2001 - Jul 2001
2005 correction2005
-10.00%Mar 2005
13d1mo 7d
1mo 20dFeb 2005 - Apr 2005
Dot-com crash2000–2002
-9.52%Aug 2001
0s21d
21dAug 2001 - Aug 2001

Drawdown Indicators


FNRNBenchmarkDifference

Max Drawdown

Largest peak-to-trough decline

-89.04%

-56.78%

-32.26%

Max Drawdown (1Y)

Largest decline over 1 year

-4.65%

-9.10%

+4.45%

Max Drawdown (3Y)

Largest decline over 3 years

-17.86%

-18.90%

+1.04%

Max Drawdown (5Y)

Largest decline over 5 years

-37.56%

-25.43%

-12.13%

Max Drawdown (10Y)

Largest decline over 10 years

-43.88%

-33.92%

-9.96%

Current Drawdown

Current decline from peak

-27.63%

-2.49%

-25.14%

Average Drawdown

Average peak-to-trough decline

-58.13%

-10.72%

-47.41%

Ulcer Index

Depth and duration of drawdowns from previous peaks

1.17%

2.03%

-0.86%

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.


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Financials

Financial Performance

The chart below illustrates the trends in the financial health of First Northern Community Bancorp over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.


Annual
Quarterly

0.0

Valuation

The Valuation section provides an overview of how First Northern Community Bancorp is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.


PE Ratio

The chart displays the Price-to-Earnings (P/E) ratio for FNRN, comparing it with other companies in the Banks - Regional industry. Currently, FNRN has a P/E ratio of 12.7. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.

PEG Ratio

The chart shows the Price/Earnings to Growth (PEG) ratio for FNRN compared to other companies in the Banks - Regional industry. FNRN currently has a PEG ratio of 1.0. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.

PS Ratio

This chart shows the Price-to-Sales (P/S) ratio for FNRN relative to other companies in the Banks - Regional industry. Currently, FNRN has a P/S ratio of 3.3. This P/S ratio is high relative to other companies in the industry. It could mean the stock is overvalued, or that investors expect strong future growth and profitability.

PB Ratio

The chart illustrates the Price-to-Book (P/B) ratio for FNRN in comparison with other companies in the Banks - Regional industry. Currently, FNRN has a P/B value of 1.4. This P/B ratio is in line with the industry average, suggesting the stock is valued fairly in relation to its book value.

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items
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