Stock Ratings / Financials / FNRN / financials

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First Northern Community Bancorp (FNRN) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$16.98 +1.19% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

First Northern Community Bancorp (FNRN) carries a Roarable Rating of D (Sell) with 49/100 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.

ROARABLE D • SELL / AVOID Cap $278.4M

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INTERACTIVE SCENARIO DECK:

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RQD QUANT TACHOMETERSELL / AVOID • D

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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 D+

Each axis scored 0–20

12M PRICE TARGET CONE-4.1% Base Target

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

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How FNRN Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$5.2M (0.1% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.00B

FY24

Rev $4.00B

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	0%	$21.1K	$5.2M	0%
FY 2024	$4.00B	52%	0%	$20.0K	$19.2M	0%
FY 2023	$4.00B	52%	0%	$21.6K	$27.3M	0%

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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
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FNRN // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +2.04%📐 HORIZONTAL RANGE

2026-10-30O $17.13H $17.37L $16.98C $16.98VOL 67.5K

RES: $18.91SUP: $15.72SMA50: $17.08SMA200: $16.36

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

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

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

Financials Rank #873 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 #873 by composite RQD confidence (49/100, 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 63/100 (C) compared with FNRN at 49/100 (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	49/100	—	—	0.0%	+1.19%	$278.4M	Benchmark Subject
WNEB Western New England Bancorp Inc.	C	63/100	18.5x	—	6.2%	+2.40%	$282.2M	/wneb-vs-fnrn →
BCBP BCB Bancorp Inc. (NJ)	D	49/100	—	—	-4.1%	+0.47%	$264.8M	/bcbp-vs-fnrn →
CZWI Citizens Community Bancorp Inc.	C-	60/100	15.8x	—	7.7%	-0.38%	$228.4M	/czwi-vs-fnrn →
WSBF Waterstone Financial Inc. (MD)	D+	58/100	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?

As of 2026-11-01, First Northern Community Bancorp (NASDAQ: FNRN) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 49/100 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 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, FNRN ranks #873 in composite RQD confidence.

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

Within the Financials sector (Savings Institutions), FNRN carries a Roarable D (49/100 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 (63/100 RQD, P/E 18.5x, ROIC 6.2%, cap $282.2M) and BCBP (BCB Bancorp Inc. (NJ)) posts a D grade (49/100 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).

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

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.

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 -0.59% below its 50-day simple moving average ($17.08) and +3.79% above its 200-day simple moving average ($16.36). Across its 52-week range of $12.15 to $19.25, FNRN sits at the 68.0% percentile with a 14-day RSI of 54.3 (NEUTRAL RANGE) and an implied next-earnings move of ±5.8% ($16.00 to $17.96).