Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI Summary - About
First Northern Community Bancorp Common stock(FNRN)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FNRN
10/28/2026: FNRN (3-star) is currently NOT-A-BUY. Pass it for now.
First Northern Community Bancorp is a traditional regional bank focused on providing commercial and personal banking services in Northern California. The company benefits from a long-standing local franchise and a conservative, relationship-based business model that fosters client loyalty. Its primary growth opportunity lies in deepening its regional market share through digital improvements and sustained small business activity. Investors should remain mindful of risks including geographic concentration, competition from larger national banks, and sensitivity to interest rate fluctuations. The stock may best suit income-focused investors attracted by the company's dividend history, provided they monitor the bank's ability to navigate economic shifts and evolving technology requirements.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company is a mature regional bank with limited high-growth potential. |
| Momentum investor | Weak fit | The stock lacks the high volatility and rapid price movement typically sought by momentum traders. |
| Value investor | Mixed fit | Valuation is often tied to book value, which may appeal to value investors looking for regional bank exposure. |
| Dividend investor | Strong fit | Consistent dividend payments make this a potential candidate for income-focused portfolios. |
| Low-risk investor | Strong fit while signal remains positive | Traditional banking models with stable deposits are generally lower risk, though regional economic exposure remains a factor. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock is subject to broader market and sector-specific swings. |
| Valuation risk | Medium | Bank valuations can fluctuate significantly based on prevailing interest rate expectations. |
| Competition risk (regional banking competition) | High | Intense competition from larger banks can squeeze margins and market share. |
| Business quality | Medium | The company maintains a stable, traditional banking franchise. |
| Dividend income | Medium | Dividend sustainability depends on the company's ability to maintain earnings stability. |
| Execution risk | Low | The business model is well-established and understood by management. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 113.27% | Avg. Invested days 134 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 10/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 275.11M USD | Price to earnings Ratio 12.91 | 1Y Target Price - |
Price to earnings Ratio 12.91 | 1Y Target Price - | ||
Volume (30-day avg) 79.8K shares | Beta - | 52 Weeks Range 12.15 - 19.25 | Updated Date 10/28/2026 |
52 Weeks Range 12.15 - 19.25 | Updated Date 10/28/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.3 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | The bank profits from the spread between interest earned on loans and interest paid on customer deposits. |
| Fee-Based Income | Service charges on deposits, trust fees, and other banking services. | Additional revenue comes from service fees, which helps diversify income beyond lending. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 12.91 | Forward PE 12.38 | Enterprise Value 156.50M | Price to Sales(TTM) 3.65 |
Enterprise Value 156.50M | Price to Sales(TTM) 3.65 | ||
Enterprise Value to Revenue 3.67 | Enterprise Value to EBITDA - | Shares Outstanding 16.40M | Shares Floating 13.55M |
Shares Outstanding 16.40M | Shares Floating 13.55M | ||
Percent Insiders 9.32 | Percent Institutions 33.32 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.