First Northern Community Bancorp Common stock (FNRN) - Net Assets
Based on the latest financial reports, First Northern Community Bancorp Common stock (FNRN) has net assets worth $213.80 Million USD as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.92 Billion) and total liabilities ($1.71 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check FNRN intangible-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $213.80 Million |
| % of Total Assets | 11.11% |
| Annual Growth Rate | 7.29% |
| 5-Year Change | 40.49% |
| 10-Year Change | 129.71% |
| Growth Volatility | 9.84 |
First Northern Community Bancorp Common stock - Net Assets Trend (2000–2025)
This chart illustrates how First Northern Community Bancorp Common stock's net assets have evolved over time, based on quarterly financial data. See FNRN defensive interval ratio to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for First Northern Community Bancorp Common stock (2000–2025)
The table below shows the annual net assets of First Northern Community Bancorp Common stock from 2000 to 2025. For live valuation and market cap data, see FNRN company net worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $212.02 Million | +20.24% |
| 2024-12-31 | $176.33 Million | +10.73% |
| 2023-12-31 | $159.25 Million | +27.36% |
| 2022-12-31 | $125.04 Million | -17.14% |
| 2021-12-31 | $150.91 Million | +0.17% |
| 2020-12-31 | $150.66 Million | +13.35% |
| 2019-12-31 | $132.91 Million | +18.19% |
| 2018-12-31 | $112.46 Million | +12.41% |
| 2017-12-31 | $100.04 Million | +8.39% |
| 2016-12-31 | $92.30 Million | +7.51% |
| 2015-12-31 | $85.85 Million | -6.74% |
| 2014-12-31 | $92.05 Million | +8.41% |
| 2013-12-31 | $84.91 Million | -8.03% |
| 2012-12-31 | $92.33 Million | +5.27% |
| 2011-12-31 | $87.70 Million | +10.18% |
| 2010-12-31 | $79.60 Million | +1.92% |
| 2009-12-31 | $78.09 Million | +25.90% |
| 2008-12-31 | $62.03 Million | -3.04% |
| 2007-12-31 | $63.98 Million | +3.20% |
| 2006-12-31 | $61.99 Million | +9.13% |
| 2005-12-31 | $56.80 Million | +9.44% |
| 2004-12-31 | $51.90 Million | +10.49% |
| 2003-12-31 | $46.97 Million | +8.13% |
| 2002-12-31 | $43.44 Million | +4.54% |
| 2001-12-31 | $41.56 Million | +13.74% |
| 2000-12-31 | $36.54 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to First Northern Community Bancorp Common stock's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 664.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $91.95 Million | 43.37% |
| Common Stock | $134.57 Million | 63.47% |
| Other Comprehensive Income | $-15.48 Million | -7.30% |
| Other Components | $977.00K | 0.46% |
| Total Equity | $212.02 Million | 100.00% |
First Northern Community Bancorp Common stock Competitors by Market Cap
The table below lists competitors of First Northern Community Bancorp Common stock ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Ring Energy Inc
NYSE MKT:REI
|
$288.98 Million |
|
Energy Services Of America Corp
NASDAQ:ESOA
|
$289.04 Million |
|
Izertis Sa
MC:IZER
|
$289.06 Million |
|
Sichuan Haowu Electromechanical Co Ltd
SHE:000757
|
$289.21 Million |
|
Digital Network S.A.
WAR:DIG
|
$288.91 Million |
|
Delta Plus Group SA
PA:ALDLT
|
$288.85 Million |
|
Norwood Financial Corp
NASDAQ:NWFL
|
$288.76 Million |
|
Hancom Inc
KQ:030520
|
$288.74 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in First Northern Community Bancorp Common stock's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 176,332,000 to 212,018,000, a change of 35,686,000 (20.2%).
- Net income of 21,128,000 contributed positively to equity growth.
- Dividend payments of 8,000 reduced retained earnings.
- Share repurchases of 4,749,000 reduced equity.
- New share issuances of 93,000 increased equity.
- Other comprehensive income increased equity by 18,373,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $21.13 Million | +9.97% |
| Dividends Paid | $8.00K | -0.0% |
| Share Repurchases | $4.75 Million | -2.24% |
| Share Issuances | $93.00K | +0.04% |
| Other Comprehensive Income | $18.37 Million | +8.67% |
| Other Changes | $849.00K | +0.4% |
| Total Change | $- | 20.24% |
Book Value vs Market Value Analysis
This analysis compares First Northern Community Bancorp Common stock's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.39x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 8.81x to 1.39x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2000-12-31 | $2.06 | $18.16 | x |
| 2001-12-31 | $2.41 | $18.16 | x |
| 2002-12-31 | $2.61 | $18.16 | x |
| 2003-12-31 | $2.91 | $18.16 | x |
| 2004-12-31 | $3.21 | $18.16 | x |
| 2005-12-31 | $3.48 | $18.16 | x |
| 2006-12-31 | $3.82 | $18.16 | x |
| 2007-12-31 | $3.92 | $18.16 | x |
| 2008-12-31 | $4.17 | $18.16 | x |
| 2009-12-31 | $5.23 | $18.16 | x |
| 2010-12-31 | $5.30 | $18.16 | x |
| 2011-12-31 | $5.81 | $18.16 | x |
| 2012-12-31 | $6.07 | $18.16 | x |
| 2013-12-31 | $5.56 | $18.16 | x |
| 2014-12-31 | $6.00 | $18.16 | x |
| 2015-12-31 | $5.57 | $18.16 | x |
| 2016-12-31 | $5.96 | $18.16 | x |
| 2017-12-31 | $6.40 | $18.16 | x |
| 2018-12-31 | $7.16 | $18.16 | x |
| 2019-12-31 | $8.46 | $18.16 | x |
| 2020-12-31 | $9.13 | $18.16 | x |
| 2021-12-31 | $9.62 | $18.16 | x |
| 2022-12-31 | $7.40 | $18.16 | x |
| 2023-12-31 | $9.43 | $18.16 | x |
| 2024-12-31 | $10.42 | $18.16 | x |
| 2025-12-31 | $13.11 | $18.16 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently First Northern Community Bancorp Common stock utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 9.97%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 23.90%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 9.01x
- Recent ROE (9.97%) is above the historical average (9.23%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2000 | 13.80% | 15.48% | 0.08x | 10.72x | $1.39 Million |
| 2001 | 12.82% | 16.12% | 0.08x | 10.58x | $1.17 Million |
| 2002 | 13.16% | 16.86% | 0.07x | 11.40x | $1.37 Million |
| 2003 | 13.01% | 16.30% | 0.07x | 11.89x | $1.41 Million |
| 2004 | 12.92% | 18.21% | 0.06x | 12.13x | $1.52 Million |
| 2005 | 15.30% | 18.63% | 0.07x | 11.63x | $3.01 Million |
| 2006 | 14.21% | 16.51% | 0.08x | 11.05x | $2.61 Million |
| 2007 | 11.38% | 13.06% | 0.08x | 11.10x | $883.50K |
| 2008 | -2.22% | -2.94% | 0.07x | 10.81x | $-7.58 Million |
| 2009 | -1.35% | -2.53% | 0.06x | 9.57x | $-8.86 Million |
| 2010 | 3.35% | 6.82% | 0.05x | 9.26x | $-5.29 Million |
| 2011 | 3.04% | 6.98% | 0.05x | 8.91x | $-6.11 Million |
| 2012 | 5.03% | 12.32% | 0.05x | 9.01x | $-4.59 Million |
| 2013 | 6.34% | 14.11% | 0.04x | 10.57x | $-3.11 Million |
| 2014 | 6.38% | 15.84% | 0.04x | 10.41x | $-3.34 Million |
| 2015 | 8.06% | 17.73% | 0.04x | 12.17x | $-1.66 Million |
| 2016 | 8.72% | 18.62% | 0.04x | 12.64x | $-1.18 Million |
| 2017 | 8.74% | 18.17% | 0.04x | 12.17x | $-1.26 Million |
| 2018 | 11.16% | 23.76% | 0.04x | 11.11x | $1.30 Million |
| 2019 | 11.08% | 26.20% | 0.04x | 9.72x | $1.43 Million |
| 2020 | 8.07% | 21.46% | 0.03x | 10.99x | $-2.90 Million |
| 2021 | 9.40% | 25.77% | 0.03x | 12.58x | $-905.10K |
| 2022 | 12.70% | 25.29% | 0.03x | 14.97x | $3.38 Million |
| 2023 | 13.54% | 26.75% | 0.04x | 11.75x | $5.63 Million |
| 2024 | 11.36% | 23.66% | 0.04x | 10.73x | $2.40 Million |
| 2025 | 9.97% | 23.90% | 0.05x | 9.01x | $-73.80K |
Industry Comparison
This section compares First Northern Community Bancorp Common stock's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $389,399,400
- Average return on equity (ROE) among peers: 10.20%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| First Northern Community Bancorp Common stock (FNRN) | $213.80 Million | 13.80% | 8.00x | $288.93 Million |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $68.20 Million | 10.85% | 9.15x | $5.79 Billion |
| ACNB Corporation (ACNB) | $51.46 Million | 12.55% | 7.93x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $137.13 Million |
| Alerus Financial Corp (ALRS) | $127.25 Million | 8.42% | 8.09x | $736.27 Million |
| Amalgamated Bank (AMAL) | $508.95 Million | 16.01% | 14.41x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $1.00 Billion | 3.23% | 8.67x | $974.56 Million |
| Arrow Financial Corporation (AROW) | $431.85 Million | 10.18% | 9.29x | $622.98 Million |
| Associated Banc-Corp (ASB) | $968.70 Million | 17.34% | 12.55x | $5.45 Billion |
| AmeriServ Financial Inc (ASRV) | $141.70 Million | 14.89% | 15.78x | $62.43 Million |
About First Northern Community Bancorp Common stock
First Northern Community Bancorp operates as the bank holding company for First Northern Bank of Dixon that provides commercial banking products and services to individuals, and small and medium sized businesses. The company offers deposit products, including demand, interest-bearing transaction, savings and money market, and non-brokered time deposits. It also provides commercial, commercial rea… Read more