Stock Ratings / Financials / FNRN / insiders

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First Northern Community Bancorp (FNRN) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$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 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.

📊 Historical Track Record Warning: Scores below 50 (49/100 · D) historically underperformed SPY in 71% of rolling 90-day windows →

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 2026-11-01, 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.

✓ 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 (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).

✓ 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 Warning: Scores below 50 (49/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-5.4% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

2-of-3 JEV AI Jury Bearish Warning

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 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%

Deterministic 5-Pillar Attribution (49/100 Composite)

🔍 WHY FNRN SCORES 49/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (27% of score)

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

▲ #2 Bullish Driver: Macro Regime Fit+10/20 pts (20% of score)

FRED Regime × Technicals: 68% of 52W Range • RSI-14 at 54.3 (NEUTRAL RANGE)

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

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

Q1 (-3Q)

Grade D$16.05+4.4% Next Q

Q2 (-2Q)

Grade D$16.75+0.4% Next Q

Q3 (-1Q)

Grade D$16.81+1% Next Q

Current

Grade D$16.98-5.4% Hist 90D α

Trajectory: D (41) → D (49)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 49/100 (D) rating due to Whale & Options Positioning (8/20), 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 ($17.08) 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 49%NO 51%Trade / Inspect Odds →

SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

FNRN Smart-Money Thermometer: BALANCED INSTITUTIONAL POSITIONING

Explore All 13F & Congress Whales →

▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (FNRN)

No recent open-market Form 4 cluster sales or emergency dumps flagged on FNRN. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

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: +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

🎬 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 #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?

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 -0.59% 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).

FNRN Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Are FNRN insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies FNRN leadership and institutional positioning as: BALANCED INSTITUTIONAL POSITIONING.

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