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First Northern Community Bancorp (FNRN) — RQD Stock Rating Cockpit

$16.98 +1.19% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $16.98

First Northern Community Bancorp (FNRN) carries a Roarable Rating of D+ (Sell) with 54/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 54/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.7% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $278.4M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on FNRN Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is FNRN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, First Northern Community Bancorp (NASDAQ: FNRN) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 54/100 at a spot price of $16.98 (+1.19% 1D, market cap $278.4M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, FNRN ranks #589 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does FNRN compare to WNEB and BCBP in the Financials sector?

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Within the Financials sector (Savings Institutions), FNRN carries a Roarable D+ (54/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.0%. By comparison, WNEB (Western New England Bancorp Inc.) holds a C grade (65/100 RQD, P/E 18.5x, ROIC 6.2%, cap $282.2M) and BCBP (BCB Bancorp Inc. (NJ)) posts a D grade (46/100 RQD, P/E N/A, ROIC -4.1%, cap $264.8M). Among the 5-stock peer group, WSBF leads on earnings multiple (13.5x) while CZWI leads on capital efficiency (7.7% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FNRN?

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Per FNRN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001114927), First Northern Community Bancorp generated $0 in revenue, $21.1K in net income, and $5.2M in free cash flow against $1.91B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $16.98 (+0.02%)🧬 Disciplined Float (+0.80% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 0.1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 54/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.7% avg 90D alpha vs SPY • 51.0% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk C+

Each axis scored 0–20

12M PRICE TARGET CONE-1.8% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FNRN)Realized 20D OHLCV Swing Band: ±5.8%

Deterministic 5-Pillar Attribution (54/100 Composite)

🔍 WHY FNRN SCORES 54/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+14/20 pts (26% of score)

FRED Regime × Technicals: 68% of 52W Range • RSI-14 at 51.2 (NEUTRAL RANGE)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (24% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution9/20 pts (-11 pt drag)

Disciplined Float (+0.80% YoY Shares) & executive Form 4 sales trim 11 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade D$16.73-2.2% Next Q

Q2 (-2Q)

Grade D$16.36+2.7% Next Q

Q3 (-1Q)

Grade C-$16.80+1.1% Next Q

Current

Grade D+$16.98-0.7% Hist 90D α

Trajectory: D (46) → D+ (54)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a FNRN Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While FNRN currently carries a cautious 54/100 (D+) rating due to Insider Conviction & Share Dilution (9/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($17.07) and Max Pain ($17.83) forces dealer call-delta covering toward $20.21.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (+0.80% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FNRN• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “FNRN Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 54%NO 46%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

51.230 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE68% OF RANGE

L: $12$16.98H: $19

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 9 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: DRQD 18 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: C+RQD 27 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on FNRN

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (45)

0.0% ROIC with 42.0% gross margin and 1.87% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (53)

18/40 institutional & smart-money positioning score with 14/20 macro alignment.

Bull Case: Why Buyers Like FNRN

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FNRN)

✓Walkthrough of FNRN's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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FNRN // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -0.35%📐 HORIZONTAL RANGE

2026-11-02O $16.78H $16.98L $16.78C $16.98VOL 81.4K

RES: $18.93SUP: $15.70SMA50: $17.07SMA200: $16.38

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FNRN Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FNRN Butterfly Map → + Track FNRN →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on FNRN today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FNRN. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for FNRN today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FNRN)

Financials Rank #589 of 1096 ⚔️ WNEB vs FNRN Full Matrix →

1. Head-to-Head Financials Peer Comparison (FNRN vs. WNEB, BCBP, CZWI, WSBF)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, First Northern Community Bancorp (FNRN) ranks #589 by composite RQD confidence (54/100, grade D+) and #827 by equity capitalization ($278.4M). Within this direct 5-issuer industry benchmark cohort, WSBF leads on earnings valuation at 13.5x trailing P/E, while CZWI leads on capital efficiency and profitability with 7.7% ROIC and — gross margin. WNEB currently holds the highest overall quantitative score in the immediate peer group at 65/100 (C) compared with FNRN at 54/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
FNRN ACTIVE First Northern Community Bancorp	D+	54/100	—	—	0.0%	+1.19%	$278.4M	Benchmark Subject
WNEB Western New England Bancorp Inc.	C	65/100	18.5x	—	6.2%	+2.40%	$282.2M	/wneb-vs-fnrn →
BCBP BCB Bancorp Inc. (NJ)	D	46/100	—	—	-4.1%	+0.47%	$264.8M	/bcbp-vs-fnrn →
CZWI Citizens Community Bancorp Inc.	C	62/100	15.8x	—	7.7%	-0.38%	$228.4M	/czwi-vs-fnrn →
WSBF Waterstone Financial Inc. (MD)	C-	60/100	13.5x	—	7.6%	+0.30%	$356.5M	/wsbf-vs-fnrn →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001114927

In its most recent audited fiscal period (FY2025, filed 2025-12-31), First Northern Community Bancorp (FNRN) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $21.1K, operating cash flow of $6.9M, and free cash flow of $5.2M (-72.9% YoY). On the balance sheet, FNRN closed FY2025 with $1.91B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$21.1K	$6.9M	$5.2M	$1.91B	—
FY2024 (FY)	2024-12-31	$0	$20.0K	$19.5M	$19.2M	$1.89B	—
FY2023 (FY)	2023-12-31	$0	$21.6K	$27.3M	$27.3M	—	—

3. FNRN Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FNRN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does FNRN compare to WNEB and BCBP in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for FNRN?

Where is FNRN trading relative to its 50-day, 200-day, and 52-week technical levels?

FNRN last traded at $16.98 (+1.19% on volume of 81,389 shares), positioning the stock -0.53% below its 50-day simple moving average ($17.07) and +3.66% above its 200-day simple moving average ($16.38). Across its 52-week range of $12.15 to $19.25, FNRN sits at the 68.0% percentile with a 14-day RSI of 51.2 (NEUTRAL RANGE) and an implied next-earnings move of ±5.8% ($16.00 to $17.96).

FNRN Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell FNRN stock right now?

First Northern Community Bancorp (FNRN) currently earns a Roarable Rating of D+ (Sell — SELL) with 54/100 RQD Confidence. Stretched risk/reward at current multiples (0% return on capital) under elevated 10-year interest-rate pressure.

What is FNRN's 12-month price target and RQD AI Jury consensus?

FNRN's 12-month base price target is $16.67 (range $13 to $20.21), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: FNRN RQD Cockpit FNRN 12M Forecast FNRN Earnings & Move FNRN Dividends & DRIP FNRN Insiders & 13F FNRN Whale Options FNRN Profit Sankey FNRN News & Why