First Northern Community Bancorp (FNRN)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$17.35+0.06%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · FNRN
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Implement the Board-approved stock repurchase program starting May 1, 2026, continuing until April 30, 2028, with purchases made based on market conditions.
Newly stated in 2026-Q2. The Board approved a stock repurchase program effective May 1, 2026, through April 30, 2028. No share repurchase volumes reported yet in financials, so delivery is pending program commencement.
“Board approved stock repurchase program effective May 1, 2026 through April 30, 2028.”
Maintain and grow revenue and net income with focus on operational profitability and positive earnings per share.
Stated in 8 of last 8 quarters. Revenue ranged from $19.5M in 2025-Q1 to $21.7M in 2025-Q4, with net income positive in 6 quarters but losses in 2024-Q4 and 2025-Q4. Recent quarters show revenue stable near $20.8M and net income positive, indicating mixed but generally stable delivery.
“Revenue $20.8M, net income $4.7M, EPS $0.29.”
“Revenue $20.9M, net income $5.9M, EPS $0.36.”
“Revenue $21.7M, net loss $15.1M, operating income $8.3M.”
“Revenue $20.5M, net income $6.0M, EPS $0.38.”
“Revenue $20.6M, net income $5.5M, EPS $0.35.”
“Revenue $19.5M, net income $3.7M, EPS $0.23.”
“Revenue $20.3M, net loss $14.2M, operating income $8.1M.”
“Revenue $20.3M, net income $5.5M, EPS $0.36.”
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Over the trailing year it converted 1.21x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9112).
Not enough signal yet.
Not enough signal to read sensitivity to the US dollar, the broad stock market, Fed net liquidity, real (inflation-adjusted) rates, long-term interest rates (low R² over the window).
8 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated stable grew net income 56% of the time over the next year (vs 57% for the rest of the cohort, n=2725).
Not investment advice. As of 2026-09-04.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.