Financial Snapshot

Revenue
$58.37M
TTM
Gross Margin
Net Earnings
$21.07M
TTM
Current Assets
Current Liabilities
$16.65M
Q3 2024
Current Ratio
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
$182.0M
Q3 2024
Cash
Q3 2024
P/E
7.152
Nov 27, 2024 EST
Free Cash Flow
$15.11M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000
Revenue $74.12M $55.88M $47.18M $48.86M $48.99M $45.62M $40.02M
YoY Change 32.64% 18.45% -3.45% -0.26% 7.4% 13.99%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000
Revenue $74.12M $55.88M $47.18M $48.86M $48.99M $45.62M $40.02M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $1.002M $774.0K $764.0K $943.0K $721.0K $565.0K $600.0K $630.0K $640.0K $670.0K $690.0K $700.0K $730.0K $780.0K $940.0K $1.050M $1.110M $1.040M $1.020M $1.280M $1.260M $1.170M $940.0K $1.000M
YoY Change 29.46% 1.31% -18.98% 30.79% 27.61% -5.83% -4.76% -1.56% -4.48% -2.9% -1.43% -4.11% -6.41% -17.02% -10.48% -5.41% 6.73% 1.96% -20.31% 1.59% 7.69% 24.47% -6.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000
Interest Expense $7.584M $1.186M $912.0K $1.484M $1.859M $1.268M $1.079M
YoY Change 539.46% 30.04% -38.54% -20.17% 46.61% 17.52%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000
Pretax Income $29.65M $21.67M $19.43M $16.66M $20.39M $17.30M $17.07M $12.94M $10.66M $8.660M $8.240M $6.370M $3.800M $2.670M -$3.900M -$5.010M $10.42M $13.98M $13.48M $10.26M $9.360M $8.590M $8.100M $7.700M
YoY Change 36.83% 11.53% 16.59% -18.29% 17.9% 1.34% 31.89% 21.39% 23.09% 5.1% 29.36% 67.63% 42.32% -168.46% -22.16% -148.08% -25.46% 3.71% 31.38% 9.62% 8.96% 6.05% 5.19%
Income Tax $8.092M $5.782M $5.240M $4.501M $5.670M $4.744M $8.318M $4.890M $3.740M $2.790M $2.850M $1.720M $1.130M $10.00K -$2.840M -$3.640M $3.140M $5.170M $4.790M $3.550M $3.250M $2.870M $2.770M $2.660M
% Of Pretax Income 27.3% 26.69% 26.97% 27.01% 27.81% 27.43% 48.74% 37.79% 35.08% 32.22% 34.59% 27.0% 29.74% 0.37% 30.13% 36.98% 35.53% 34.6% 34.72% 33.41% 34.2% 34.55%
Net Earnings $21.55M $15.88M $14.19M $12.16M $14.72M $12.55M $8.748M $8.050M $6.920M $5.870M $5.380M $4.650M $2.660M $2.670M -$1.050M -$1.370M $7.280M $8.810M $8.690M $6.710M $6.110M $5.720M $5.330M $5.040M
YoY Change 35.7% 11.97% 16.65% -17.39% 17.29% 43.47% 8.67% 16.33% 17.89% 9.11% 15.7% 74.81% -0.37% -354.29% -23.36% -118.82% -17.37% 1.38% 29.51% 9.82% 6.82% 7.32% 5.75%
Net Earnings / Revenue 29.08% 28.42% 30.07% 24.89% 30.05% 27.51% 21.86%
Basic Earnings Per Share $1.42 $1.11 $1.01 $0.86 $1.10 $0.94 $0.69
Diluted Earnings Per Share $1.41 $1.09 $1.00 $0.85 $1.08 $0.93 $0.68 $551.4K $494.6K $422.3K $377.3K $338.2K $194.4K $196.2K -$77.55K -$101.6K $511.2K $597.3K $586.8K $458.0K $417.6K $359.5K $345.0K $336.4K

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $14.04M $11.03M $11.70M $12.40M $13.60M $6.600M $6.200M $7.300M $7.000M $7.300M $7.400M $7.800M $8.100M $8.000M $7.400M $7.600M $7.900M $8.100M $8.300M $7.400M $7.700M $7.900M $6.700M $6.100M
YoY Change 27.28% -5.75% -5.65% -8.82% 106.06% 6.45% -15.07% 4.29% -4.11% -1.35% -5.13% -3.7% 1.25% 8.11% -2.63% -3.8% -2.47% -2.41% 12.16% -3.9% -2.53% 17.91% 9.84%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $19.59M $24.18M $5.700M $2.900M $3.500M $6.000M $4.500M $5.700M $4.100M $4.400M $1.100M $1.400M $1.700M $2.000M $2.200M $1.600M $5.900M $3.700M $1.900M $2.000M $2.100M $2.300M $0.00
YoY Change -18.95% 324.12% 96.55% -17.14% -41.67% 33.33% -21.05% 39.02% -6.82% 300.0% -21.43% -17.65% -15.0% -9.09% 37.5% -72.88% 59.46% 94.74% -5.0% -4.76% -8.7%
Total Long-Term Assets
YoY Change
Total Assets $1.872B $1.871B $1.899B $1.655B $1.293B $1.250B $1.218B $1.167B $1.045B $957.9M $897.7M $831.5M $781.2M $737.2M $747.6M $670.8M $709.9M $685.2M $660.6M $629.5M $558.7M $495.2M $439.8M $391.6M
YoY Change
Accounts Payable $15.56M $14.03M $14.20M $15.10M $13.60M $12.80M $12.90M $10.80M $10.70M $8.800M $9.000M $8.300M $7.500M $6.800M $6.300M $5.800M $7.400M $8.600M $7.100M $5.000M $3.300M $4.500M $3.000M $5.300M
YoY Change 10.93% -1.23% -5.96% 11.03% 6.25% -0.78% 19.44% 0.93% 21.59% -2.22% 8.43% 10.67% 10.29% 7.94% 8.62% -21.62% -13.95% 21.13% 42.0% 51.52% -26.67% 50.0% -43.4%
Accrued Expenses $4.585M $5.422M $5.700M $6.500M $7.500M
YoY Change -15.44% -4.88% -12.31% -13.33%
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $20.14M $19.45M $19.90M $21.60M $21.10M $12.80M $12.90M $10.80M $10.70M $8.800M $9.000M $8.300M $7.500M $6.800M $6.300M $5.800M $7.400M $8.600M $7.100M $5.000M $3.300M $4.500M $3.000M $5.300M
YoY Change 3.58% -2.28% -7.87% 2.37% 64.84% -0.78% 19.44% 0.93% 21.59% -2.22% 8.43% 10.67% 10.29% 7.94% 8.62% -21.62% -13.95% 21.13% 42.0% 51.52% -26.67% 50.0% -43.4%
Long-Term Debt $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change
Total Liabilities $1.713B $1.746B $1.748B $1.505B $1.160B $1.137B $1.118B $1.075B $958.8M $865.8M $812.8M $739.2M $693.4M $657.6M $669.5M $608.8M $645.9M $623.2M $603.8M $577.6M $511.7M $451.8M $398.3M $355.1M
YoY Change -1.93% -0.11% 16.18% 29.75% 1.96% 1.77% 4.01% 12.07% 10.74% 6.52% 9.96% 6.61% 5.44% -1.78% 9.97% -5.74% 3.64% 3.21% 4.54% 12.88% 13.26% 13.43% 12.17%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000
Basic Shares Outstanding 15.19M 14.37M 14.05M 14.11M 13.41M 13.38M 12.70M
Diluted Shares Outstanding 15.33M 14.52M 14.23M 14.24M 13.58M 13.57M 12.86M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $150.7 Million

About FIRST NORTHERN COMMUNITY BANCORP

First Northern Community Bancorp is a bank holding company, which provides banking services to individual and corporate customers. The company is headquartered in Dixon, California and currently employs 203 full-time employees. The Bank is an independent community bank that specializes in relationship banking. The Bank is in the commercial banking business and provides a range of products and services to small- and medium-sized businesses and individuals, including accepting demand, interest-bearing transactions, savings, and time deposits, and making commercial, consumer, and real estate related loans. The Bank also issues cashier’s checks, rents safe deposit boxes, and provides other customary banking services. The Bank offers a range of alternative investment products, fiduciary and other financial services through Raymond James Financial Services, Inc. The Bank also offers equipment leasing, credit cards, merchant card processing, payroll services, and limited international banking services through third parties. The Bank serves Solano, Yolo, Sacramento, Placer, Colusa, Glenn, Contra Costa Counties, and others.

Industry: Savings Institution, Federally Chartered Peers: BankFinancial CORP COMMUNITY WEST BANCSHARES / Finwise Bancorp PNC FINANCIAL SERVICES GROUP, INC. SB FINANCIAL GROUP, INC.