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First Northern Community Bancorp (FNRN) Fair Value & Analysis

Financial Services · US · Market cap $302M

Price$17.94
Fair Value$16.74
Upside-6.7%
Quality95/100
Evidence: High Range $12.56 – $20.93

Fair value as of: Jun 26, 2026

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Analysis

First Northern Community Bancorp (FNRN) currently trades at $17.94, while our model-based Fair Value estimate is $16.74 — implying the stock looks roughly 6.7% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

First Northern Community Bancorp operates as the bank holding company for First Northern Bank of Dixon that provides commercial banking products and services to individuals, and small and medium sized businesses. The company offers deposit products, including demand, interest-bearing transaction, savings and money market, and non-brokered time deposits. It also provides commercial, commercial real estate, agriculture, residential mortgage, residential construction, and consumer loans. In addition, the company provides debit and credit cards; investment and brokerage services; alternative investment products, and fiduciary and other financial services; equipment leasing, merchant card processing, payroll, and international banking services through third parties; and other customary banking services. Further, it rents safe deposit boxes. The company operates branches located in the cities of Auburn, Colusa, Davis, Dixon, Fairfield, Orland, Rancho Cordova, Roseville, Sacramento, Vacavi…

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Frequently asked questions

Is First Northern Community Bancorp (FNRN) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $16.74 versus a price of $17.94 — about −7% (overvalued). Model-based estimate, not financial advice.
What is the fair value of FNRN?
Our 21-model fair value for First Northern Community Bancorp is $16.74 (as of Jun 26, 2026), built from audited fundamentals. The current price is $17.94.
What is the quality score of FNRN?
First Northern Community Bancorp has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.