First Northern Community Bancorp
FNRNFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 3:59 PM ET
16.90+0.40 (2.42%)
2026-11-12 05:08 CET
Market cap
275.29 USD m
Revenue, TTM
- USD m
Net income, TTM
22.81 USD m
Free cash flow, TTM
17.72 USD m
EPS diluted, TTM
1.37
P/E
12.38
Price
FNRN against its 20, 50 and 200-day averages2050200
12.2% under the 52-week high of 19.25 on 29 Jul 2026. 52-week low 12.01 on 20 Oct 2025. Last 15 sessions, 18.6% high to low
Volume 2.72× normal · the line is the 50-bar volume average
Profile
FNRN52-week range, 66% of the way up
12.4319.25
First Northern Community Bancorp is a bank holding company, which provides banking services to individual and corporate customers. It offers different loan categories such as commercial, commercial real estate, agriculture, residential mortgage, residential construction, and consumer. The company was founded in 1910 and is headquartered in Dixon, CA.
| Index | RUT |
|---|---|
| Employees | 204 |
| IPO | Mar 14, 1996 |
| Beta | 0.04 |
| ATR, 14d | 0.69 |
| Rel volume | 2.72 |
| Short float | 2.44% |
| Insider own | 9.35% |
| Inst own | 29.39% |
Snapshot
6 groupsValuation
| Index | RUT |
|---|---|
| Market Cap | 275.29M |
| Enterprise Value | - |
| Income | 22.81M |
| Sales | 94.22M |
| Book/sh | 12.76 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | - |
| Dividend Ex-Date | - |
| Dividend Gr. 3/5Y | - - |
| Payout | 0.00% |
| Employees | 204 |
| IPO | Mar 14, 1996 |
Ratios
| P/E | 12.38 |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 2.92 |
| P/B | 1.32 |
| P/C | - |
| P/FCF | 15.54 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.23 |
| Debt/Eq | 0.05 |
| LT Debt/Eq | 0.04 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 1.37 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | 10.51% 12.69% |
| Sales past 3/5Y | 12.06% 9.30% |
| EPS Y/Y TTM | 10.74% |
| Sales Y/Y TTM | 7.44% |
| EPS Q/Q | 3.72% |
| Sales Q/Q | 13.28% |
| Earnings | - |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | 9.35% |
|---|---|
| Insider Trans | -1.57% |
| Inst Own | 29.39% |
| Inst Trans | 38.64% |
| ROA | 1.17% |
| ROE | 11.06% |
| ROIC | 10.51% |
| Gross Margin | - |
| Oper. Margin | 32.96% |
| Profit Margin | 24.21% |
| SMA20 | -0.27% |
| SMA50 | -1.22% |
| SMA200 | 2.49% |
| Trades | - |
Technical
| Shs Outstand | 16.29M |
|---|---|
| Shs Float | 14.77M |
| Short Float | 2.44% |
| Short Ratio | 3.59 |
| Short Interest | 0.36M |
| 52W High | 19.25 -12.21% |
| 52W Low | 12.43 35.98% |
| Volatility | 7.05% 3.69% |
| ATR (14) | 0.69 |
| RSI (14) | 47.86 |
| Beta | 0.04 |
| Rel Volume | 2.72 |
| Avg Volume | 100.26K |
| Volume | 273,091 |
Performance
| Perf Week | -7.90% |
|---|---|
| Perf Month | 1.32% |
| Perf Quarter | -3.48% |
| Perf Half Y | -4.74% |
| Perf YTD | 32.82% |
| Perf Year | 35.98% |
| Perf 3Y | 127.22% |
| Perf 5Y | 107.40% |
| Perf 10Y | 227.35% |
| Recom | - |
| Target Price | - |
| Prev Close | 16.50 |
| Price | 16.90 |
| Change % | 2.42% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| OVLY | Oak Valley Bancorp | 291.50M |
| PLBC | Plumas Bancorp | 435.47M |
| BMRC | Bank of Marin Bancorp | 461.93M |
| BCML | BayCom Corp | 341.25M |
| CWBC | Community West Bancshares | 702.33M |
| CVBF | CVB Financial Corp | 3.95B |
| BANC | Banc of California Inc | 2.84B |
| FDBC | Fidelity D&D Bancorp Inc | 392.60M |
| WAFD | WaFd Inc | 2.17B |
| GBCI | Glacier Bancorp Inc | 6.31B |
Insider trading
latest 14 of 22| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Schulze Mark C | Director | Nov 03 '26 | Sale | 17.50 | 2,000 | 34,998 | 727,921 | Nov 05 08:23 PM |
| Schulze Mark C | Director | Nov 04 '26 | Sale | 17.99 | 500 | 8,995 | 727,421 | Nov 05 08:23 PM |
| Schulze Mark | Director | Nov 03 '26 | Proposed Sale | 16.40 | 2,500 | 40,995 | Nov 05 08:22 PM | |
| Schulze Mark (FNRN) | Director | Aug 18 '26 | Proposed Sale | 17.56 | 2,500 | 43,900 | Aug 18 03:34 PM | |
| Martinez Richard M | Director | Aug 13 '26 | Sale | 17.51 | 2,000 | 35,010 | 72,252 | Aug 14 12:09 PM |
| Servat Jean-Luc | Director | Aug 12 '26 | Buy | 17.29 | 1,000 | 17,290 | 5,635 | Aug 12 07:53 PM |
| Schulze Mark C | Director | Aug 10 '26 | Sale | 17.06 | 5,250 | 89,553 | 731,039 | Aug 12 06:59 PM |
| Schulze Mark C | Director | Aug 11 '26 | Sale | 17.40 | 1,118 | 19,454 | 729,921 | Aug 12 06:59 PM |
| Schulze Mark C | Director | Aug 06 '26 | Sale | 18.11 | 400 | 7,244 | 736,289 | Aug 11 01:09 PM |
| Servat Jean-Luc | Director | Aug 05 '26 | Buy | 18.32 | 500 | 9,160 | 4,135 | Aug 07 04:50 PM |
| Servat Jean-Luc | Director | Aug 06 '26 | Buy | 18.12 | 500 | 9,060 | 4,635 | Aug 07 04:50 PM |
| Schulze Mark C | Director | Aug 04 '26 | Sale | 18.40 | 3,000 | 55,211 | 736,921 | Aug 06 07:14 PM |
| Schulze Mark C | Director | Aug 05 '26 | Sale | 18.30 | 232 | 4,246 | 736,689 | Aug 06 07:14 PM |
| Schulze Mark C (FNRN) | Director | Aug 04 '26 | Proposed Sale | 18.20 | 10,000 | 182,000 | Aug 04 11:47 AM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| IWM | iShares Russell 2000 Index Fund | AUM: 77.38B |
| AVUV | Avantis U.S. Small Cap Value ETF | AUM: 32.39B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| IWN | iShares Russell 2000 Value ETF | AUM: 14.10B |
| VTWO | Vanguard Russell 2000 Index ETF | AUM: 16.75B |
| FDM | First Trust Dow Jones Select Microcap Index Fund | AUM: 267.52M |
| IWC | iShares Micro-Cap ETF | AUM: 1.22B |
| AVSC | Avantis U.S Small Cap Equity ETF | AUM: 3.23B |
| VTWV | Vanguard Russell 2000 Value Index ETF | AUM: 1.29B |
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q1 | 2026-04-29 | - | - | 0.358 | 18.94 | - | - |
| 2025Q4 | 2026-01-29 | - | - | 0.344 | 19.18 | - | - |
| 2025Q3 | 2025-10-29 | - | - | 0.363 | 18.51 | - | - |
| 2025Q2 | 2025-07-29 | - | - | 0.329 | 18.49 | - | - |
| 2025Q1 | 2025-04-29 | - | - | 0.220 | 17.40 | - | - |
| 2024Q4 | 2025-01-29 | - | - | 0.336 | - | - | - |
| 2024Q3 | 2024-10-29 | - | - | 0.324 | - | - | - |
| 2024Q2 | 2024-07-29 | - | - | 0.261 | - | - | - |
| 2024Q1 | 2024-04-29 | - | - | 0.252 | - | - | - |
| 2023Q4 | 2024-01-29 | - | - | 0.384 | - | - | - |
| 2023Q3 | 2023-10-26 | - | - | 0.273 | - | - | - |
| 2023Q2 | 2023-07-27 | - | - | 0.271 | - | - | - |
| 2023Q1 | 2023-04-27 | - | - | 0.326 | - | - | - |
| 2022Q3 | 2022-10-26 | - | - | 0.271 | - | - | - |
| 2022Q2 | 2022-07-28 | - | - | 0.210 | - | - | - |
| 2022Q1 | 2022-04-28 | - | - | 0.181 | - | - | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| No annual earnings. | |||||
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| No estimate revisions. | ||||||||
Estimate history
| EPS, annual | 0.508 | 0.719 | 0.85 | 0.668 | 0.82 | 0.9 | 1.215 | 1.128 | 1.214 | 1.3653 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| EPS, quarterly | 0.324 | 0.336 | 0.22 | 0.329 | 0.363 | 0.344 | 0.358 | 0.286 | 0.376 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Sales, annual | 48.139 | 52.803 | 55.886 | 56.674 | 55.039 | 62.815 | 80.563 | 84.671 | 88.404 | 94.22 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| Sales, quarterly | 21.832 | 22.425 | 20.956 | 22.111 | 22.202 | 23.798 | 22.702 | 22.569 | 25.15 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Shares, annual | 17.183 | 17.408 | 17.313 | 18.271 | 17.675 | 17.81 | 17.923 | 17.577 | 17.227 | 16.289 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ |
| Shares, quarterly | 16.827 | 17.577 | 16.693 | 16.609 | 16.507 | 17.227 | 16.41 | 16.395 | 16.289 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 86.97 | 82.31 | 78.65 | 74.12 | 55.88 | 47.18 | 48.86 | 48.99 | 45.62 |
| Total Interest Expense | 15.66 | 14.84 | 14.29 | 7.58 | 1.19 | 0.91 | 1.48 | 1.86 | 1.27 |
| Net Interest Income | 71.31 | 67.47 | 64.36 | 66.54 | 54.70 | 46.26 | 47.38 | 47.13 | 44.35 |
| Loan Loss Provision | - | - | -0.25 | 1.10 | 0.90 | -1.50 | 3.05 | 0.00 | 2.10 |
| Net Interest Income After Loan Loss Provision | - | - | 64.61 | 65.44 | 53.80 | 47.76 | 44.33 | 47.13 | 42.25 |
| Non-Interest Income | 7.25 | 6.10 | 6.02 | 6.44 | 6.93 | 7.86 | 7.81 | 6.89 | 7.19 |
| Non-Interest Expense | 47.45 | 46.16 | 42.79 | 43.64 | 39.06 | 36.20 | 35.48 | 33.64 | 32.14 |
| Operating Income | 31.06 | 27.41 | 27.84 | 28.24 | 21.67 | 19.43 | 16.66 | 20.39 | 17.30 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 30.39 | 27.41 | 27.84 | 29.65 | 21.67 | 19.43 | 16.66 | 20.39 | 17.30 |
| Income Taxes | 7.58 | 6.28 | 7.81 | 8.09 | 5.78 | 5.24 | 4.50 | 5.67 | 4.74 |
| Consolidated Net Income | 22.81 | 21.13 | 20.03 | 21.55 | 15.88 | 14.19 | 12.16 | 14.72 | 12.55 |
| Net Income From Continuing Operations | 22.81 | 21.13 | 20.03 | 21.55 | 15.88 | 14.19 | 12.16 | 14.72 | 12.55 |
| Net Income | 22.81 | 21.13 | 20.03 | 21.55 | 15.88 | 14.19 | 12.16 | 14.72 | 12.55 |
| EPS (Recurring) | 1.38 | 1.21 | 1.13 | 1.21 | 0.90 | 0.82 | 0.67 | 0.85 | 0.72 |
| EPS (Basic, Before Extraordinaries) | 1.40 | 1.24 | 1.14 | 1.23 | 0.91 | 0.83 | 0.67 | 0.86 | 0.73 |
| EPS (Diluted) | 1.37 | 1.21 | 1.13 | 1.21 | 0.90 | 0.82 | 0.67 | 0.85 | 0.72 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 1.41 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 0.60 | 0.67 | 0.67 | 0.65 | 0.52 | 0.42 | 0.42 | 0.34 | 0.31 |
| Price To Earnings Ratio | 12.38 | 12.38 | 7.73 | 6.96 | 7.99 | 9.99 | 11.28 | 9.58 | 10.41 |
| Price To Sales Ratio | 3.02 | 2.50 | 1.90 | 1.70 | 1.87 | 2.52 | 2.42 | 2.53 | 2.49 |
| Operating Margin | 32.96 | 31.00 | 32.88 | 35.05 | 34.49 | 35.29 | 29.40 | 36.49 | 32.75 |
| Net Margin | 24.21 | 23.90 | 23.66 | 26.75 | 25.29 | 25.77 | 21.46 | 26.34 | 23.77 |
| Shares Outstanding | 16.29 | 17.23 | 17.58 | 17.92 | 17.81 | 17.68 | 18.27 | 17.31 | 17.41 |
| Market Capitalization | 275.29 | 275.29 | 159.27 | 131.41 | 112.77 | 141.95 | 137.71 | 141.50 | 131.26 |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 23.51 | 20.81 | 20.96 | 21.69 | 20.54 | 20.57 | 19.50 | 20.29 |
| Total Interest Expense | 4.15 | 3.80 | 3.76 | 3.96 | 3.70 | 3.62 | 3.56 | 3.76 |
| Net Interest Income | 19.37 | 17.01 | 17.20 | 17.73 | 16.85 | 16.95 | 15.94 | 16.52 |
| Loan Loss Provision | - | 0.60 | 0.30 | -0.85 | - | 0.00 | 0.85 | -0.45 |
| Net Interest Income After Loan Loss Provision | - | 16.41 | 16.90 | 18.58 | - | 16.95 | 15.09 | 16.97 |
| Non-Interest Income | 1.64 | 1.76 | 1.74 | 2.11 | 1.66 | 1.54 | 1.45 | 2.14 |
| Non-Interest Expense | 12.71 | 11.95 | 11.03 | 11.76 | 11.92 | 10.89 | 11.59 | 10.33 |
| Operating Income | 8.30 | 6.21 | 7.61 | 8.93 | 6.58 | 7.60 | 4.96 | 8.79 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 8.30 | 6.21 | 7.61 | 8.27 | 6.58 | 7.60 | 4.96 | 8.13 |
| Income Taxes | 2.09 | 1.49 | 1.71 | 2.29 | 0.57 | 2.13 | 1.28 | 2.29 |
| Consolidated Net Income | 6.20 | 4.73 | 5.91 | 5.98 | 6.01 | 5.47 | 3.67 | 5.85 |
| Net Income From Continuing Operations | 6.20 | 4.73 | 5.91 | 5.98 | 6.01 | 5.47 | 3.67 | 5.85 |
| Net Income | 6.20 | 4.73 | 5.91 | 5.98 | 6.01 | 5.47 | 3.67 | 5.85 |
| EPS (Recurring) | 0.38 | 0.29 | 0.36 | 0.34 | 0.36 | 0.33 | 0.22 | 0.34 |
| EPS (Basic, Before Extraordinaries) | 0.39 | 0.29 | 0.37 | 0.35 | 0.37 | 0.33 | 0.22 | 0.34 |
| EPS (Diluted) | 0.38 | 0.29 | 0.36 | 0.34 | 0.36 | 0.33 | 0.22 | 0.34 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 0.20 | 0.12 | 0.09 | 0.18 | 0.20 | 0.13 | 0.20 | 0.17 |
| Price To Earnings Ratio | 12.38 | 12.86 | 12.64 | 10.12 | 9.71 | 7.67 | 8.50 | 7.73 |
| Price To Sales Ratio | 3.02 | 3.24 | 2.89 | 2.48 | 2.28 | 1.76 | 1.87 | 1.85 |
| Operating Margin | 32.99 | 27.54 | 33.53 | 37.54 | 29.65 | 34.36 | 23.65 | 39.18 |
| Net Margin | 24.66 | 20.95 | 26.02 | 25.12 | 27.08 | 24.72 | 17.52 | 26.07 |
| Shares Outstanding | 16.29 | 16.40 | 16.41 | 17.23 | 16.51 | 16.61 | 16.69 | 17.58 |
| Market Capitalization | 275.29 | 294.34 | 249.20 | 219.19 | 199.97 | 154.07 | 161.84 | 159.27 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | 2017FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 145.55 | 119.45 | 149.21 | 187.42 | 345.93 | 267.18 | 111.49 | 116.03 | 152.89 |
| Investments | 638.29 | 660.45 | 602.59 | 648.48 | 653.64 | 467.67 | 368.30 | 330.55 | 289.62 |
| Net Loans | 1,050.47 | 1,046.85 | 1,052.46 | 970.14 | 852.72 | 875.83 | 768.87 | 763.39 | 739.11 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | 1.24 | - | - | - | - | - | 0.00 | 1.09 | - |
| Net Property, Plant & Equipment | 14.10 | 12.40 | 14.04 | 11.03 | 11.69 | 12.43 | 13.56 | 6.65 | 6.25 |
| Interest Receivables | 7.35 | 7.66 | 6.81 | 5.75 | 4.57 | 5.10 | 4.29 | 4.16 | 4.12 |
| Deferred Tax Assets | 18.07 | 23.79 | 24.18 | 29.09 | 10.52 | 10.68 | 9.06 | 8.71 | 7.46 |
| Other Intangible Assets | 40.97 | 25.87 | 27.13 | 24.38 | 24.88 | 24.24 | 22.59 | 21.96 | 21.12 |
| Total Assets | 1,916.05 | 1,896.47 | 1,876.42 | 1,876.28 | 1,903.95 | 1,663.12 | 1,298.17 | 1,252.54 | 1,220.57 |
| Total Deposits | 1,679.14 | 1,700.09 | 1,692.44 | 1,726.87 | 1,728.30 | 1,478.16 | 1,138.63 | 1,124.61 | 1,104.74 |
| Total Debt | 5.79 | 3.65 | 4.58 | 5.42 | 5.66 | 11.45 | 7.48 | 0.00 | 0.00 |
| Long Term Debt | 4.71 | 2.59 | 3.54 | 4.75 | 5.09 | 5.28 | 6.37 | 0.00 | 0.00 |
| Provision for Risks Charges | 1.20 | 0.70 | 1.15 | 0.70 | 0.65 | 0.95 | 0.84 | 0.80 | 0.85 |
| Deferred Tax Liabilities | 5.10 | 4.75 | 4.58 | 4.92 | 4.87 | 7.75 | 5.58 | 2.70 | 2.91 |
| Other Liabilities | 12.79 | 10.96 | 14.41 | 13.32 | 13.56 | 14.15 | 12.72 | 11.97 | 12.02 |
| Total Liabilities | 1,704.03 | 1,720.14 | 1,717.17 | 1,751.24 | 1,753.04 | 1,512.46 | 1,165.25 | 1,140.08 | 1,120.52 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 212.02 | 176.33 | 159.25 | 125.04 | 150.91 | 150.66 | 132.91 | 112.46 | 100.04 |
| Total Shareholders Equity | 212.02 | 176.33 | 159.25 | 125.04 | 150.91 | 150.66 | 132.91 | 112.46 | 100.04 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 212.02 | 176.33 | 159.25 | 125.04 | 150.91 | 150.66 | 132.91 | 112.46 | 100.04 |
| Total Liabilities & Stockholders Equity | 1,916.05 | 1,896.47 | 1,876.42 | 1,876.28 | 1,903.95 | 1,663.12 | 1,298.17 | 1,252.54 | 1,220.57 |
| Book Value Per Share | 12.31 | 10.03 | 8.89 | 7.02 | 8.54 | 8.25 | 7.68 | 6.46 | 5.82 |
| Tangible Book Value Per Share | 12.06 | 9.84 | 8.65 | 7.02 | 8.54 | 8.25 | 7.68 | 6.46 | 5.82 |
| Tier 1 Capital | 220.70 | 205.33 | 187.25 | 170.53 | 154.44 | 141.57 | 129.24 | 117.50 | 104.44 |
| Tier 2 Capital | 15.65 | 15.65 | 15.85 | 14.55 | 12.45 | 10.97 | 11.11 | 10.95 | 10.64 |
| Full-Time Employees | 204 | 187 | 203 | 192 | 190 | 214 | 214 | 201 | 191 |
| Price to Book Ratio | 1.32 | 0.90 | 0.96 | 0.99 | 0.94 | 0.91 | 1.06 | 1.17 | 1.48 |
| Return on Assets | 1.11 | 1.06 | 1.15 | 0.84 | 0.80 | 0.82 | 1.15 | 1.01 | 0.73 |
| Return on Equity | 10.88 | 11.94 | 15.16 | 11.51 | 9.41 | 8.58 | 12.00 | 11.81 | 9.10 |
| Return on Invested Capital | 9.75 | 11.20 | 13.24 | 12.24 | 9.09 | 7.80 | 10.57 | 11.16 | 8.74 |
| Current Ratio | 0.23 | 0.17 | 0.20 | 0.28 | 0.44 | 0.44 | 0.31 | 0.31 | 0.15 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | 22.71 | 7.06 | 24.43 | 27.27 | 20.62 | 18.34 | 18.97 | 18.47 | 16.97 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | -2.71 | -0.16 | -4.89 | -0.08 | -0.04 | -0.95 | -3.57 | -0.68 | -0.37 |
| Cash from Operating Activities | 20.00 | 6.90 | 19.54 | 27.19 | 20.57 | 17.39 | 15.40 | 17.79 | 16.60 |
| Capital Expenditures | -2.28 | -1.70 | -0.34 | -1.22 | -0.34 | -0.80 | -0.86 | -0.39 | -0.96 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 103.42 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | -39.49 | 44.01 | -62.50 | 61.42 | -52.16 | -215.72 | -85.99 | -21.55 | -37.66 |
| Purchase of Investments | -198.55 | -134.47 | -230.33 | -91.32 | -176.92 | -357.15 | -208.97 | -141.86 | -114.20 |
| Sale Or Maturity of Investments | 159.06 | 178.48 | 167.84 | 152.74 | 124.76 | 141.43 | 122.98 | 120.32 | 76.53 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -115.78 | 44.82 | -53.28 | 83.72 | -177.58 | -178.49 | -204.35 | -36.43 | -73.41 |
| Cash Dividends Paid | -0.01 | -0.01 | -0.01 | -0.01 | -0.01 | -0.01 | -0.01 | -0.01 | -0.01 |
| Change in Capital Stock | -4.62 | -4.66 | -3.66 | -0.05 | -0.07 | -5.28 | 0.11 | 0.10 | 0.00 |
| Repurchase of Common Pref Stock | -4.72 | -4.75 | -3.76 | -0.14 | -0.19 | -5.37 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | 0.09 | 0.09 | 0.10 | 0.10 | 0.12 | 0.10 | 0.11 | 0.10 | 0.00 |
| Proceedsfrom Stock Options | 0.09 | 0.09 | 0.10 | 0.10 | 0.12 | 0.10 | 0.11 | 0.10 | 0.00 |
| Issuance or Reduction of Debt, Net | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -5.00 | 5.00 | 0.00 | 0.09 |
| Change in Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance of Long Term Debt | 20.00 | 20.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | -20.00 | -20.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | - | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | 69.44 | -25.61 | 3.98 | -149.11 | -1.51 | 239.85 | 344.63 | 14.11 | 19.95 |
| Net Change in Cash | -26.33 | 26.11 | -29.76 | -38.21 | -158.51 | 78.75 | 155.68 | -4.54 | -36.86 |
| Free Cash Flow | 17.72 | 5.20 | 19.19 | 25.97 | 20.23 | 16.58 | 14.54 | 17.40 | 15.63 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price to Free Cash Flow | 16.07 | 42.66 | 8.39 | 5.27 | 5.82 | 8.38 | 9.44 | 8.14 | 8.43 |
| Federal Home Loan Advances Increase (Decrease) | - | -0.35 | 0.00 | -1.08 | -2.34 | -0.62 | 0.09 | -0.56 | -0.45 |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 123.18 | 113.44 | 139.58 | 145.55 | 149.51 | 126.85 |
| Investments | 643.29 | 641.07 | 644.33 | 638.29 | 625.26 | 619.00 |
| Net Loans | 1,132.46 | 1,092.10 | 1,064.62 | 1,050.47 | 1,055.97 | 1,063.46 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 18.85 | 14.48 | 14.04 | 14.10 | 13.55 | 10.65 |
| Interest Receivables | 9.14 | 8.06 | 7.30 | 7.35 | 7.49 | 7.63 |
| Deferred Tax Assets | - | - | - | 18.07 | - | - |
| Other Intangible Assets | 62.55 | 56.03 | 53.44 | 40.97 | 55.19 | 43.16 |
| Total Assets | 1,990.70 | 1,926.41 | 1,924.55 | 1,916.05 | 1,908.21 | 1,871.99 |
| Total Deposits | 1,760.49 | 1,691.89 | 1,694.70 | 1,679.14 | 1,686.42 | 1,663.28 |
| Total Debt | 9.54 | 5.68 | 5.57 | 5.79 | 5.44 | 3.16 |
| Long Term Debt | 9.22 | 5.13 | 4.76 | 4.71 | 5.13 | 2.63 |
| Provision for Risks Charges | 1.15 | 1.15 | 1.10 | 1.20 | 1.05 | 1.15 |
| Deferred Tax Liabilities | - | - | - | 5.10 | - | - |
| Other Liabilities | 11.64 | 10.54 | 9.38 | 12.79 | 10.53 | 9.52 |
| Total Liabilities | 1,782.83 | 1,709.26 | 1,710.75 | 1,704.03 | 1,703.44 | 1,677.11 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 207.88 | 217.15 | 213.80 | 212.02 | 204.77 | 194.88 |
| Total Shareholders Equity | 207.88 | 217.15 | 213.80 | 212.02 | 204.77 | 194.88 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 207.88 | 217.15 | 213.80 | 212.02 | 204.77 | 194.88 |
| Total Liabilities & Stockholders Equity | 1,990.70 | 1,926.41 | 1,924.55 | 1,916.05 | 1,908.21 | 1,871.99 |
| Book Value Per Share | 12.76 | 13.24 | 13.03 | 12.31 | 12.41 | 11.73 |
| Tangible Book Value Per Share | 12.54 | 13.01 | 12.78 | 12.06 | 12.24 | 11.56 |
| Tier 1 Capital | - | 232.09 | 226.93 | 220.70 | 218.23 | 211.97 |
| Tier 2 Capital | - | 15.95 | 15.90 | 15.65 | 15.73 | 15.73 |
| Full-Time Employees | - | - | - | 204 | - | - |
| Price to Book Ratio | 1.32 | 1.38 | 1.29 | 1.03 | 0.98 | 0.79 |
| Return on Assets | 1.17 | 1.19 | 1.23 | 1.11 | 1.09 | 1.09 |
| Return on Equity | 11.06 | 10.98 | 11.63 | 10.88 | 10.86 | 11.35 |
| Return on Invested Capital | 2.86 | 2.13 | 2.70 | 2.76 | 2.86 | 2.77 |
| Current Ratio | 0.23 | 0.21 | 0.25 | 0.23 | 0.24 | 0.22 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | 5.90 | 5.75 | 6.13 | 4.93 | -8.72 | 6.00 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | -1.24 | -2.28 | -1.88 | 2.69 | 2.06 | -3.88 |
| Cash from Operating Activities | 4.66 | 3.47 | 4.25 | 7.62 | -6.66 | 2.12 |
| Capital Expenditures | -0.79 | -0.56 | -0.50 | -0.43 | -0.84 | -0.34 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | -20.55 | 2.96 | -9.93 | -11.97 | -0.98 | 47.37 |
| Purchase of Investments | -61.76 | -35.55 | -44.24 | -57.00 | -40.70 | -11.38 |
| Sale Or Maturity of Investments | 41.21 | 38.51 | 34.31 | 45.03 | 39.72 | 58.75 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -61.68 | -26.56 | -24.62 | -2.92 | 7.30 | 25.42 |
| Cash Dividends Paid | 0.00 | 0.00 | -0.01 | 0.00 | 0.00 | 0.00 |
| Preferred Dividends (Cash Flow) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | -1.84 | -0.24 | -1.15 | -1.39 | -1.12 | -0.88 |
| Repurchase of Common Pref Stock | -1.84 | -0.24 | -1.15 | -1.48 | -1.12 | -0.88 |
| Sale of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.09 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | 0.00 | 0.00 | 0.00 | 0.09 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance of Long Term Debt | 0.00 | 0.00 | 0.00 | 20.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | 0.00 | 0.00 | 0.00 | -20.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | 0.00 | 0.00 | 0.00 | - | 0.00 | 0.00 |
| Cash from Financing Activities | 66.76 | -3.06 | 14.39 | -8.66 | 22.02 | -12.41 |
| Net Change in Cash | 9.74 | -26.15 | -5.97 | -3.96 | 22.66 | 15.13 |
| Free Cash Flow | 3.87 | 2.91 | 3.76 | 7.19 | -7.50 | 1.78 |
| Price to Free Cash Flow | 16.07 | 46.69 | 50.21 | 42.56 | 47.00 | 7.96 |
Revenue breakdown
| Savings Institution, Federally Chartered | 2024: 70.38M 2025: 73.57M |
|---|---|
| United States | 2024: 70.38M 2025: 73.57M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 2.44% | 0.4M | 14.8M | 87.64K |
| 2026-10-15 | 2.92% | 0.4M | 14.9M | 104.30K |
| 2026-09-30 | 3.27% | 0.5M | 14.9M | 117.38K |
| 2026-09-15 | 3.67% | 0.5M | 14.9M | 194.69K |
| 2026-08-31 | 4.39% | 0.6M | 14.8M | 198.61K |
| 2026-08-14 | 4.54% | 0.7M | 14.8M | 196.78K |
| 2026-07-31 | 4.27% | 0.6M | 14.5M | 191.11K |
| 2026-07-15 | 3.88% | 0.6M | 14.5M | 169.64K |
| 2026-06-30 | 3.54% | 0.5M | 14.5M | 143.57K |
| 2026-06-15 | 0.80% | 0.1M | 14.5M | 50.41K |
| 2026-05-29 | 0.50% | 0.1M | 14.4M | 28.99K |
| 2026-05-15 | 0.11% | 0.0M | 14.4M | 19.04K |
| 2026-04-30 | 0.09% | 0.0M | 14.3M | 8.39K |
| 2026-04-15 | 0.00% | 0.0M | 13.6M | 5.42K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-06 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-09-30 | SEC |
| 2026-11-05 | 4 | Statement of changes in beneficial ownership of securities | 2026-11-03 | SEC |
| 2026-11-05 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-10-30 | 8-K | Current report | 2026-09-30 | SEC |
| 2026-08-18 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-08-14 | SCHEDULE 13G/A | SEC | ||
| 2026-08-14 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-13 | SEC |
| 2026-08-12 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-12 | SEC |
| 2026-08-12 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-10 | SEC |
| 2026-08-11 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-06 | SEC |
| 2026-08-11 | SCHEDULE 13G/A | SEC | ||
| 2026-08-07 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-08-07 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-05 | SEC |
| 2026-08-06 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-04 | SEC |
| 2026-08-04 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-07-30 | 8-K | Current report | 2026-06-30 | SEC |
| 2026-07-28 | SCHEDULE 13G | SEC | ||
| 2026-05-26 | 8-K | Current report | 2026-05-19 | SEC |
| 2026-05-18 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-15 | SEC |
| 2026-05-14 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-05-14 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-13 | SEC |
| 2026-05-14 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-14 | SEC |
| 2026-05-12 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-05-11 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-08 | SEC |
| 2026-05-11 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-05-08 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-05-07 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-05-06 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-04 | SEC |
| 2026-04-30 | 8-K | Current report | 2026-03-31 | SEC |
| 2026-04-22 | CERT | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 43.99K | 2 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 35.51K | 3 | 210.72K | 6 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 349.85K | 4 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| Fourthstone LLC | 7.01% |
| BlackRock, Inc. | 6.41% |
| VANGUARD CAPITAL MANAGEMENT LLC | 3.95% |
| Focus Partners Advisor Solutions, LLC | 2.34% |
| GEODE CAPITAL MANAGEMENT, LLC | 2.11% |
| ALLIANCEBERNSTEIN L.P. | 1.62% |
| M3F, Inc. | 1.49% |
| STATE STREET CORP | 1.10% |
| NORTHERN TRUST CORP | 0.70% |
| VANGUARD FIDUCIARY TRUST CO | 0.62% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 2.85% |
| iShares Russell 2000 ETF | 2.23% |
| VANGUARD EXTENDED MARKET INDEX FUND | 1.05% |
| Fidelity Small Cap Index Fund | 0.97% |
| iShares Russell 2000 Value ETF | 0.85% |
| Avantis U.S. Small Cap Value ETF | 0.82% |
| VANGUARD RUSSELL 2000 INDEX FUND | 0.52% |
| Fidelity Extended Market Index Fund | 0.39% |
| iShares Micro-Cap ETF | 0.31% |
| Schwab Small-Cap Index Fund | 0.22% |
OakChart. FNRN. Cached 15 minutes.
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