First Northern Community Bancorp (FNRN)

From the record

First Northern Community Bancorp's filings since 2017 show 1 warning event: an auditor change (8-K item 4.01, the latest 2025-06-06) (its current reports).

From the record

First Northern Community Bancorp's 10 filed years say what it did: revenue went from $36 million in fiscal 2016 to $82 million in fiscal 2025, up 9.6% a year; it rose in 7 of 9 years; the deepest fall was 4% from fiscal 2019 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, First Northern Community Bancorp's diluted share count shrank about 0.5% a year, and dividends and buybacks returned about 42% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 14 sales (2 under scheduled 10b5-1 plans) and 20 purchases of their own stock on the open market in the year to 2026-11-12, buying about $106 thousand (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, First Northern Community Bancorp earned about 10 cents of profit for every dollar of shareholders' money. Leverage: it owed about 89 cents per dollar of assets, and net share issuance: its share count shrank 1.9% over the year (the filed statements).

From the record

First Northern Community Bancorp's standing among 31 graded names in its industry family: revenue of $82 million in fiscal 2025 ranks in the bottom 44% by size; a net margin of 25.7% ranks in the top 15%; revenue growth of 13.8% a year over the last 3 filed years ranks in the bottom 47% (its annual reports).

From the record

First Northern Community Bancorp's leadership, from its insiders' filings and its current reports: the chief executive on the record is Smith, Jeremiah Zachary (President/CEO/Director, as filed), filing under that title since 2023-02-13, 3.7 years (bottom 30% of its family); the 12 officers and directors filing in the last fifteen months have been on the record a median of 9.2 years (top 35%); 6 officer or director changes were reported on Form 8-K since 2023-11-13, against the 12 people in charge now (bottom 31%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

First Northern Community Bancorp's room to grow, from the newest filed statements (fiscal 2025): cash of $146 million against debt of $0 thousand leaves 7.6% of its assets as net cash, top 27% of its family; cash from operations less capital spending is 6.3% of revenue (bottom 12%) (its annual report).

From the record

First Northern Community Bancorp's growth drivers, from the filed years to fiscal 2025: revenue grew 13.8% a year over the last three filed years against 9.6% over all 10, speeding up (top 42% of its family); the newest year grew 4.7% (top 48%); capital spending grew 70.3% a year (top 5%) (its annual reports). First Northern Community Bancorp tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

First Northern Community Bancorp's newest year against its own record: revenue of $82 million in fiscal 2025 came in 11.8% below the $93 million its prior three years' pace pointed to (top 43% of its family); net income of $21 million against a prior three-year average of $19 million (bottom 36%); a net margin of 25.7% against 27.7% before (bottom 43%) (its annual reports).