- Sector
- Financial Services
- Industry
- Banks - Regional
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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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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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%
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%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.80% | 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% |
| 2023 | 2.47% | 8.80% | -14.13% | -4.54% | -1.13% | 0.43% | 31.43% | 4.89% | -1.66% | -5.37% | -9.89% | 10.23% | 15.63% |
| 2022 | 2.83% | 1.99% | -5.12% | -6.86% | -1.05% | -1.70% | -1.52% | -3.85% | -3.43% | -7.93% | 7.33% | -2.99% | -20.98% |
| 2021 | 2.97% | -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
- R²
- 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.
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.
| FNRN | Benchmark | Difference | |
|---|---|---|---|
| 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
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 18d | 2y 2mo | 2y 10moMar 2002 - Jan 2005 |
Dot-com crash2000–2002 | -10.51%Apr 2001 | 2mo 11d | 2mo 6d | 4mo 17dFeb 2001 - Jul 2001 |
2005 correction2005 | -10.00%Mar 2005 | 13d | 1mo 7d | 1mo 20dFeb 2005 - Apr 2005 |
Dot-com crash2000–2002 | -9.52%Aug 2001 | 0s | 21d | 21dAug 2001 - Aug 2001 |
Drawdown Indicators
| FNRN | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest 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 DrawdownCurrent decline from peak | -27.63% | -2.49% | -25.14% |
Average DrawdownAverage peak-to-trough decline | -58.13% | -10.72% | -47.41% |
Ulcer IndexDepth 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.
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 | — |
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