First Northern Community Bancorp (FNRN)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$17.89-2.51%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
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.
Jeremiah Smith, President and Chief Executive Officer, commented, “First Northern continued strong momentum during the third quarter, highlighted by accelerating loan growth and solid deposit generat…
Stated in 1 of 1 supplied quarters. Management reported: “Total loans increased $41.1 million during the quarter, representing an annualized growth rate of 14.7% for the three months ended September 30, 2026, compared to a 10.5% annualized growth rate for the nine months ended September 30, 2026.” “Total deposits increased $68.6 million during the quarter, representing an annualized growth rate of 16.1% for the three months ended September 30, 2026, compared to a 6.5% annualized growth rate for the nine months ended September 30, 2026."”
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 61% for the rest of the cohort, n=10284).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Jeremiah Smith, President and Chief Executive Officer, commented, “First Northern continued strong momentum during the third quarter, highlighted by accelerating loan growth and solid deposit generat…”
“We also made meaningful progress in improving our credit quality with the successful resolution of a longstanding nonaccrual lending relationship.
Stated in 1 of 1 supplied quarters. Management reported: ““We also made meaningful progress in improving our credit quality with the successful resolution of a longstanding nonaccrual lending relationship.” “This resolution reduced nonaccrual loans by $1.2 million, or 25.6%, during the quarter and contributed to an increase of $1.8 million in nonaccrual interest income recognized when compared to the same quarter last year.”
““We also made meaningful progress in improving our credit quality with the successful resolution of a longstanding nonaccrual lending relationship.”
On October 13, we successfully completed a major system upgrade, replacing our core banking platform and establishing a modern technology foundation to support future growth, improve operational effi…
Stated in 1 of 1 supplied quarters. Management reported: “On October 13, we successfully completed a major system upgrade, replacing our core banking platform and establishing a modern technology foundation to support future growth, improve operational efficiency and reduce ongoing data processing costs.” “As anticipated, project-related investments contributed to a modest increase in non-interest expenses during the third quarter, with additional costs expected in the fourth quarter as we complete the upgrade."”
“On October 13, we successfully completed a major system upgrade, replacing our core banking platform and establishing a modern technology foundation to support future growth, improve operational effi…”
Implement the Board-approved stock repurchase program starting May 1, 2026, continuing until April 30, 2028, with purchases made based on market conditions.
Maintain and grow revenue and net income with focus on operational profitability and positive earnings per share.
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=9158).
Not enough signal yet.
Not enough signal to read sensitivity to the US dollar, the broad stock market, Fed net liquidity, long-term interest rates, real (inflation-adjusted) rates (low R² over the window).
7 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated stable grew net income 58% of the time over the next year (vs 59% for the rest of the cohort, n=7436).
Not investment advice. As of 2026-11-05.