# First Northern Community Bancorp (FNRN)

**Exchange:** NASDAQ  
**Sector:** Financial Services  
**Market cap:** $296M  
**Price:** $17.87 (+0.22%)

> First Northern Community Bancorp is a bank holding company that provides comprehensive banking services to individual and corporate customers. It specializes in a diverse array of loan products, including commercial loans, commercial real estate financing, agricultural lending, residential mortgages, residential construction loans, and consumer credit options. Through its subsidiary banks, the company delivers deposit products such as checking accounts, savings accounts, money market accounts, and certificates of deposit, alongside essential services like online banking, cash management, and wealth management solutions. Operating primarily in California, First Northern Community Bancorp focuses on supporting local businesses, farmers, homebuyers, and families in rural and community settings. Founded in 1910 and headquartered in Dixon, California, it plays a vital role in fostering economic stability and growth within its regional markets by offering tailored financial solutions that meet the unique needs of its communities.

## Income Statement (Annual, USD)

| Fiscal Year | Revenue | Gross Profit | Operating Income | Net Income | EPS (dil.) |
| --- | --- | --- | --- | --- | --- |
| 2025 | $82M | — | — | $21M | — |
| 2024 | $79M | — | — | $20M | — |
| 2023 | $74M | — | — | $22M | — |
| 2022 | $56M | — | — | $16M | — |
| 2021 | $47M | — | — | $14M | — |
| 2020 | $49M | — | — | $12M | — |
| 2019 | $49M | — | — | $15M | — |
| 2018 | $46M | — | — | $13M | — |
| 2017 | $40M | — | — | $9M | — |
| 2016 | $36M | — | — | $8M | — |
| 2015 | $31M | — | — | $7M | — |
| 2014 | $30M | — | — | $6M | — |
| 2013 | $29M | — | — | $5M | — |
| 2012 | $28M | — | — | $5M | — |
| 2011 | $29M | — | — | $3M | — |

## Balance Sheet (Annual, USD)

| Fiscal Year | Total Assets | Total Liabilities | Equity | Cash | Long-term Debt |
| --- | --- | --- | --- | --- | --- |
| 2025 | $1.91B | $1.70B | $212M | $146M | — |
| 2024 | $1.89B | $1.72B | $176M | $119M | — |
| 2023 | $1.87B | $1.71B | $159M | $149M | — |
| 2022 | $1.87B | $1.75B | $125M | $187M | — |
| 2021 | $1.90B | $1.75B | $151M | $346M | — |
| 2020 | $1.66B | $1.50B | $151M | $267M | — |
| 2019 | $1.29B | $1.16B | $133M | $111M | — |
| 2018 | $1.25B | $1.14B | $112M | $116M | — |
| 2017 | $1.22B | $1.12B | $100M | $153M | — |
| 2016 | $1.17B | $1.07B | $92M | $160M | — |
| 2015 | $1.04B | $959M | $86M | $201M | — |
| 2014 | $958M | $866M | $92M | $216M | — |
| 2013 | $898M | $813M | $85M | $165M | — |
| 2012 | $831M | $739M | $92M | $150M | — |
| 2011 | $781M | $693M | $88M | $140M | — |

## Cash Flow (Annual, USD)

| Fiscal Year | Operating Cash Flow | CapEx | Free Cash Flow |
| --- | --- | --- | --- |
| 2025 | $7M | $2M | $5M |
| 2024 | $20M | $343,000 | $19M |
| 2023 | $27M | $1M | $26M |
| 2022 | $22M | $344,000 | $21M |
| 2021 | $25M | $803,000 | $24M |
| 2020 | $13M | $862,000 | $12M |
| 2019 | $17M | $1M | $16M |
| 2018 | $16M | $963,000 | $15M |
| 2017 | $16M | $1M | $15M |
| 2016 | $10M | $926,000 | $9M |
| 2015 | $14M | $436,000 | $13M |
| 2013 | $16M | $271,000 | $16M |
| 2012 | $14M | $480,000 | $14M |
| 2011 | $8M | $593,000 | $8M |
| 2010 | $13M | $1M | $11M |

Source: [CompaniesByCap](https://companiesbycap.com/company/FNRN)