First Northern Community Bancorp
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from First Northern Community Bancorp's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Tangible Assets Ratio: Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. More tangible than 86% of Financial Services companies in United States.
- Tangible Net Worth Ratio: Of every $100 of net worth, $97 is tangible; the rest is goodwill and other intangibles, often from buying other companies. More tangible than 85% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
$44Sales grew 19% in 3 years; of every extra $100 of sales, $44 became extra profit.
Higher than 70% of Financial Services companies in United States.
Asset Productivity Ratio
+19% / +2%In 3 years sales changed by +19% while total assets changed by +2%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 86% of Financial Services companies in United States.
Tangible Net Worth Ratio
97%Of every $100 of net worth, $97 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 85% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
First Northern Community Bancorp owes $0.89 for every $1 it owns. Net profit rose 5% in the year to Dec 2025, and grew 10% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
12.9Investors pay $12.9 for every $1 of First Northern Community Bancorp's yearly profit, higher than 52% of Financial Services companies in United States.
P/B ratio
1.27The share price is 1.27 times First Northern Community Bancorp's book value per share, lower than 52% of Financial Services companies in United States.
Market cap
$275 MThe total market value of all of First Northern Community Bancorp's shares at today's price (share price × number of shares), smaller than 76% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$217 MWhat First Northern Community Bancorp would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$13.24Net worth divided by the number of shares. The share price of $16.80 is 1.3 times this, which is the P/B above.
Return on equity (ROE)
11.0%First Northern Community Bancorp earned 11.0% on its shareholders' money over the last year, higher than 52% of Financial Services companies in United States.
Owes vs Owns
0.89×First Northern Community Bancorp owes $0.89 for every $1 it owns (high), higher than 70% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NoneFirst Northern Community Bancorp does not currently pay a dividend.
Revenue growth
+5%Revenue rose 5% in the year to Dec 2025, and grew 6% a year on average over 3 years.
Profit growth
+5%Net profit rose 5% in the year to Dec 2025, and grew 10% a year on average over 3 years.
Profit margin
28.7%First Northern Community Bancorp keeps $29 of every $100 of revenue as net profit.
Questions
What is First Northern Community Bancorp's P/E ratio?
Investors pay $12.9 for every $1 of First Northern Community Bancorp's yearly profit, higher than 52% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For First Northern Community Bancorp: $275 M ÷ $217 M (30 Jun 2026) = 1.3.
What is First Northern Community Bancorp's return on equity?
First Northern Community Bancorp earned 11.0% on its shareholders' money over the last year, higher than 52% of Financial Services companies in United States.
How much does First Northern Community Bancorp owe compared with what it owns?
First Northern Community Bancorp owes $0.89 for every $1 it owns (high), higher than 70% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does First Northern Community Bancorp pay a dividend?
No. First Northern Community Bancorp does not currently pay a dividend.
Is First Northern Community Bancorp's revenue growing?
Revenue rose 5% in the year to Dec 2025, and grew 6% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.