InsiderClue
Stocks · Financials · Savings Institution, Federally Chartered

FIRST NORTHERN COMMUNITY BANCORP

FNRN Clue Score61
United States Fiscal year ends December CIK 0001114927
$16.05 -7.23% Close, 9 Oct 2026
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Price $16.05 +49.30% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income8.1EPS, diluted0.66Fiscal year 2017Net income8.7 +8.7%EPS, diluted0.68 +3.0%Fiscal year 2018Net income12.6 +43.5%EPS, diluted0.93 +36.8%Fiscal year 2019Net income14.7 +17.3%EPS, diluted1.08 +16.1%Fiscal year 2020Net income12.2 −17.4%EPS, diluted0.85 −21.3%Fiscal year 2021Net income14.2 +16.7%EPS, diluted0.95 +11.8%Fiscal year 2022Net income15.9 +12.0%EPS, diluted1.04 +9.5%Fiscal year 2023Net income21.6 +35.7%EPS, diluted1.34 +28.8%Fiscal year 2024Net income20.0 −7.1%EPS, diluted1.19 −11.2%Fiscal year 2025Net income21.1 +5.5%EPS, diluted1.27 +6.7%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 8.1 8.7 12.6 14.7 12.2 14.2 15.9 21.6 20.0 21.1
Growth +8.7% +43.5% +17.3% −17.4% +16.7% +12.0% +35.7% −7.1% +5.5%
EPS, diluted 0.66 0.68 0.93 1.08 0.85 0.95 1.04 1.34 1.19 1.27
Growth +3.0% +36.8% +16.1% −21.3% +11.8% +9.5% +28.8% −11.2% +6.7%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow9.7Capital expenditure−0.9Free cash flow8.8Fiscal year 2017Operating cash flow16.1Capital expenditure−1.2Free cash flow14.9 +69.4%Fiscal year 2018Operating cash flow15.7Capital expenditure−1.0Free cash flow14.7 −1.0%Fiscal year 2019Operating cash flow16.6Capital expenditure−1.1Free cash flow15.5 +5.4%Fiscal year 2020Operating cash flow12.6Capital expenditure−0.9Free cash flow11.7 −24.4%Buybacks0.0Fiscal year 2021Operating cash flow25.3Capital expenditure−0.8Free cash flow24.5 +108.7%Buybacks−5.4Fiscal year 2022Operating cash flow21.8Capital expenditure−0.3Free cash flow21.4 −12.4%Buybacks−0.2Fiscal year 2023Operating cash flow27.3Capital expenditure−1.2Free cash flow26.1 +21.7%Buybacks−0.1Fiscal year 2024Operating cash flow19.5Capital expenditure−0.3Free cash flow19.2 −26.4%Buybacks−3.8Dividends paid−6.4Fiscal year 2025Operating cash flow6.9Capital expenditure−1.7Free cash flow5.2 −72.9%Buybacks−4.7Dividends paid−7.5
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 9.7 16.1 15.7 16.6 12.6 25.3 21.8 27.3 19.5 6.9
Capital expenditure −0.9 −1.2 −1.0 −1.1 −0.9 −0.8 −0.3 −1.2 −0.3 −1.7
Free cash flow 8.8 14.9 14.7 15.5 11.7 24.5 21.4 26.1 19.2 5.2
Growth +69.4% −1.0% +5.4% −24.4% +108.7% −12.4% +21.7% −26.4% −72.9%
Buybacks n/a n/a n/a n/a 0.0 −5.4 −0.2 −0.1 −3.8 −4.7
Dividends paid n/a n/a n/a n/a n/a n/a n/a n/a −6.4 −7.5

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash159.6Total debt0.0Net cash (debt)159.6Shareholders’ equity92.3Debt to equity0.00Fiscal year 2017Cash152.9Total debt0.0Net cash (debt)152.9Shareholders’ equity100.0Debt to equity0.00Fiscal year 2018Cash116.0Total debt0.0Net cash (debt)116.0Shareholders’ equity112.5Debt to equity0.00Fiscal year 2019Cash111.5Total debt0.0Net cash (debt)111.5Shareholders’ equity132.9Debt to equity0.00Fiscal year 2020Cash267.2Total debt0.0Net cash (debt)267.2Shareholders’ equity150.7Debt to equity0.00Fiscal year 2021Cash345.9Total debt0.0Net cash (debt)345.9Shareholders’ equity150.9Debt to equity0.00Fiscal year 2022Cash187.4Shareholders’ equity125.0Fiscal year 2023Cash149.2Shareholders’ equity159.2Fiscal year 2024Cash119.4Total debt0.0Net cash (debt)119.4Shareholders’ equity176.3Debt to equity0.00Fiscal year 2025Cash145.6Total debt0.0Net cash (debt)145.6Shareholders’ equity212.0Debt to equity0.00
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 159.6 152.9 116.0 111.5 267.2 345.9 187.4 149.2 119.4 145.6
Total debt 0.0 0.0 0.0 0.0 0.0 0.0 n/a n/a 0.0 0.0
Net cash (debt) 159.6 152.9 116.0 111.5 267.2 345.9 n/a n/a 119.4 145.6
Shareholders’ equity 92.3 100.0 112.5 132.9 150.7 150.9 125.0 159.2 176.3 212.0
Debt to equity 0.00 0.00 0.00 0.00 0.00 0.00 n/a n/a 0.00 0.00

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Income statement

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Revenue and profit
12.9 17.1 17.3 20.4 16.7 19.4 21.7 29.6 27.8 27.4
4.9 8.3 4.7 5.7 4.5 5.2 5.8 8.1 7.8 6.3
8.1 8.7 12.6 14.7 12.2 14.2 15.9 21.6 20.0 21.1
Growth +8.7% +43.5% +17.3% −17.4% +16.7% +12.0% +35.7% −7.1% +5.5%
Per share
0.67 0.69 0.94 1.10 0.86 0.96 1.05 1.35 1.20 1.30
0.66 0.68 0.93 1.08 0.85 0.95 1.04 1.34 1.19 1.27
Growth +3.0% +36.8% +16.1% −21.3% +11.8% +9.5% +28.8% −11.2% +6.7%
12.1 12.7 13.4 13.4 14.1 14.7 15.1 15.9 16.7 16.3
12.1 12.9 13.6 13.6 14.2 14.9 15.3 16.1 16.9 16.6
Growth +6.0% +5.5% +0.1% +4.9% +4.8% +2.2% +5.4% +5.0% −1.9%

Five years in brief

Worked out from the figures above, not from a press release
  • The diluted share count rose 16.4% in five years, which is dilution.
  • Profitable in every one of the 10 years on file.