FIRST NORTHERN COMMUNITY BANCORP(FNRN)Stock Analysis
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Limited institutional coverage
Quality rankings require at least 50 unique 13-F institutional holders to ensure peer comparisons are meaningful. Only 0 institutional filers currently hold this stock.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
FNRN Stock Analysis & AI Quality Score
AI stock analysis and institutional research for FIRST NORTHERN COMMUNITY BANCORP (FNRN), a Financials sector company. FNRN is not currently included in 13F Pro's AI-ranked quality universe — quality rankings require at least 50 unique 13-f institutional holders to ensure peer comparisons are meaningful. only 0 institutional filers currently hold this stock. Based on the latest XBRL financial filings (Q1 2026), FIRST NORTHERN COMMUNITY BANCORP reports quarterly revenue of $18.9M, net income of $5.9M, an operating margin of 40.2%. FNRN trades on the Nasdaq exchange and files with the SEC under CIK 1114927. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FNRN daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for FIRST NORTHERN COMMUNITY BANCORP directly from SEC EDGAR.
Revenue
Q1 2026
$18.9M
Net Income
Q1 2026
$5.9M
Free Cash Flow
Q1 2026
$3.8M
Operating Margin
Q1 2026
40.2%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Net Income
-99.9% YoYEPS (Diluted)
+14.4% YoYTotal Assets
+1.1% YoYTotal Debt
Op. Cash Flow
-10.3% YoY| Metric | FY 2024 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|
| Net Income | $20.0K -99.9% | $15.9M +12.0% | $14.2M +16.7% | $12.2M -17.4% | $14.7M +17.3% | $12.6M |
| EPS (Diluted) | $1.19 +14.4% | $1.04 +9.5% | $0.95 +11.8% | $0.85 -21.3% | $1.08 +16.1% | $0.93 |
| Total Assets | $1.89B +1.1% | $1.87B -1.5% | $1.90B +14.7% | $1.66B +28.1% | $1.29B +3.4% | $1.25B |
| Total Debt | $0.00 | — | $0.00 | $0.00 | $0.00 | $0.00 |
| Operating Cash Flow | $19.5M -10.3% | $21.8M -13.8% | $25.3M +100.8% | $12.6M -24.0% | $16.6M +5.6% | $15.7M |
AI Insight: FNRN Financial Trends
Equity has grown steadily from $166M to $214M over eight quarters, signaling consistent retained earnings accumulation despite volatile operating cash flows.
• Equity expanded from $166M in Q2 2024 to $214M in Q1 2026, a $48M increase over eight quarters.
• Net income held at $6M in Q3 2025, Q4 2025, and Q1 2026 — the strongest three-quarter run in the dataset.
• Operating cash flow turned sharply negative at -$7M in Q3 2025 before rebounding to $8M in Q4 2025, showing high volatility.
⚠ Operating cash flow swings wildly — from $8M to -$7M to $8M in three consecutive quarters — making earnings quality hard to assess.
⚠ Revenue data is absent across all periods, limiting visibility into top-line growth or margin trends.
AI Insight: FNRN Ratio Trends
FNRN's ROIC peaked at 18.4% in Q4 2024 and has since retreated to 14.2% in Q1 2026, signaling fading return momentum.
• ROIC climbed from 14.8% in Q2 2024 to a peak of 18.4% in Q4 2024, then fell sharply to 10.6% in Q1 2025.
• ROA recovered from a Q1 2025 trough of 0.8% back to 1.2%–1.3% across Q2–Q4 2025, suggesting stabilization.
• ROE has ranged narrowly between 11.1% and 11.8% across Q2–Q4 2025 and Q1 2026, indicating stable but unspectacular equity returns.
⚠ ROIC dropped from 15.6% in Q3 2025 to 14.2% in Q1 2026 — well below the Q4 2024 peak of 18.4%.
⚠ Q1 2025 showed a significant ROE dip to 7.8% — monitor whether seasonal weakness recurs in Q1 2026.
⚠ D/E data is almost entirely absent; leverage visibility is very limited for assessing balance sheet risk.
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Popular Research
Is FNRN a good stock to buy?
13F Pro's AI-powered analysis of FIRST NORTHERN COMMUNITY BANCORP (FNRN) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for FNRN are available on the FNRN stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own FNRN?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling FNRN. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of FIRST NORTHERN COMMUNITY BANCORP's investment landscape.