퍼스트 노던 커뮤니티 뱅코프(FNRN) 주가 전망 및 기업 분석 - PER·배당·실적·목표주가·RSI·MACD

FNRN

First Northern Community Bancorp

7월 27일 4:00 PM ET (한국 7/28 05:00)

$18.50

+0.20 ▲ +1.09%

퍼스트 노던 커뮤니티 뱅코프(FNRN) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시가총액

$304M

스몰캡

P/E

13.3

저평가 구간

배당수익률

없음

52주 위치

97%

저점 +85% · 고점 -2%

애널리스트

B-

Fundamental health

vs. Banks - Regional 초소형주

수익성

Top 12%

성장

Top 41%

밸류에이션

Top 17%

재무 안정

Top 96%

💰 Is this stock pricier than usual right now?

Compared to this company's own recent 4년 (not other companies).

Very cheap

Cheap

Typical

Pricey

Very pricey

Simply put — what you pay today to own $1 of this company's yearly earnings is 135원. Over the past 4년, it usually traded around 8원. On the pricier side versus its own history.

Pricy doesn't mean bad — it means expectations are already baked in.· based on 3.7 profitable years

Index ⓘ	RUT	P/E ⓘ	13.27	EPS (ttm) ⓘ	1.39	Insider Own ⓘ	11.51%	Shs Outstand ⓘ	16.4M	Perf Week ⓘ	2.95%
Market Cap ⓘ	0.30B	Forward P/E ⓘ	-	EPS next Y ⓘ	-	Insider Trans ⓘ	-1.05%	Shs Float ⓘ	14.5M	Perf Month ⓘ	3.12%
Enterprise Value ⓘ	-	PEG ⓘ	-	EPS next Q ⓘ	-	Inst Own ⓘ	17.11%	Short Float ⓘ	3.88%	Perf Quarter ⓘ	19.35%
Income ⓘ	0.02B	P/S ⓘ	3.34	EPS this Y ⓘ	-	Inst Trans ⓘ	18.64%	Short Ratio ⓘ	3.09	Perf Half Y ⓘ	42.94%
Sales ⓘ	0.09B	P/B ⓘ	1.42	EPS next 5Y ⓘ	-	ROA ⓘ	1.23%	Short Interest ⓘ	0.56M	Perf YTD ⓘ	45.4%
Book/sh ⓘ	13.03	P/C ⓘ	-	EPS past 3/5Y ⓘ	10.51% 12.69%	ROE ⓘ	11.63%	52W High ⓘ	-1.54% ($18.79)	Perf Year ⓘ	84.12%
Cash/sh ⓘ	-	P/FCF ⓘ	58.04	Sales past 3/5Y ⓘ	12.06% 9.3%	ROIC ⓘ	10.69%	52W Low ⓘ	85% ($10.00)	Perf 3Y ⓘ	154.05%
Dividend Est. ⓘ	-	EV/EBITDA ⓘ	-	EPS Y/Y TTM ⓘ	23.38%	Gross Margin ⓘ	-	Volatility(W/M) ⓘ	2.03% 2.39%	Perf 5Y ⓘ	113.68%
Dividend TTM ⓘ	-	EV/Sales ⓘ	-	Sales Y/Y TTM ⓘ	5.32%	Oper. Margin ⓘ	33.83%	ATR (14) ⓘ	0.42	Perf 10Y ⓘ	269.54%
Dividend Ex-Date ⓘ	-	Quick Ratio ⓘ	-	EPS Q/Q ⓘ	62.67%	Profit Margin ⓘ	25.73%	RSI (14) ⓘ	61.54	Recom ⓘ	-
Dividend Gr. 3/5Y ⓘ	-	Current Ratio ⓘ	0.25	Sales Q/Q ⓘ	8.33%	SMA20 ⓘ	2.57% ($18.04)	Beta ⓘ	0.02	Target Price ⓘ	-
Payout ⓘ	-	Debt/Eq ⓘ	0.03	Earnings ⓘ	2026/4/29	SMA50 ⓘ	4% ($17.79)	Rel Volume ⓘ	0.67	Prev Close ⓘ	$18.3
Employees ⓘ	204	LT Debt/Eq ⓘ	0.02	EPS/Sales Surpr. ⓘ	-	SMA200 ⓘ	26.24% ($14.65)	Avg Volume(3M) ⓘ	0.18M	Price ⓘ	$18.5
IPO ⓘ	1996/3/14	Option/Short ⓘ	No/Yes			Trades ⓘ	1564	Volume ⓘ	121,551	Change ⓘ	1.09%

Quarterly earnings trend SEC filings · USD

24.6

24.9

24.12*

25.3

25.6

25.9

25.12*

26.3

Revenue Net income 최근 분기: 매출 $21M (YoY +7%) · 순이익 $6M (YoY +61%)

* Q4 figures are derived from the annual filing (10-K) · loss-making quarters are underlined in red

📊 First Northern Community Bancorp (FNRN) Investment Analysis

What kind of company is First Northern Community Bancorp?

퍼스트 노던 커뮤니티 뱅코프(FNRN) 가치주

Financial · Banks - Regional

Small-Cap — Low Volume, High Volatility

🏦 A regional bank holding company based in California, USA. It operates multiple full-service branches focused on commercial, commercial real estate, agricultural, and residential lending, and has built a stable deposit base as a community bank by leveraging its close-to-the-customer relationship banking and expertise in agricultural loans.

Learn more about First Northern Community Bancorp →

Market Cap

$0.3B

Approx. KRW 0.4 trillion

⚖️ 0% of Samsung Electronics

Market Cap Rank3699

Employees204people

IPO1996/03/14

Current Price$18.50 ≈ 25,345원

📌 RUT · NASD · USA

Key Events

⏰ Upcoming events

🔔 Earnings release

The next release date has not been announced yet.

🎯 Ex-dividend date

No scheduled dividends

📜 Recent events

🔔 Earnings release 2026년 4월 29일 (수) · 장 마감 후

Is it profitable?

Profitable but financially weak

High debt load may weigh on results in a downturn

Profitability — How efficiently it makes money

Operating Margin

Profit kept from selling products and services (higher is better)

33.8%

✓ 우수

My positionTop 5%

Low range Average High range

Banks - Regional 초소형주 Median 16.7% · Top tier

💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수

Net Margin

Share of revenue left after taxes and interest are paid

25.7%

✓ 우수

My positionTop 5%

Low range Average High range

Banks - Regional 초소형주 Median 13.6% · Top tier

💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수

ROE

Annual return earned on shareholders' equity (15%+ is strong)

11.6%

✓ 우수

My positionTop 25%

Low range Average High range

Financial 초소형주 Median 3.2% · Top 12%

💡 일반적으로 15% 이상이면 우수 (단, 부채 레버리지 효과 주의)

ROA

Annual earnings relative to total company assets

1.2%

✓ 양호

My positionMid-range

Low range Average High range

Financial 초소형주 Median 1.0% · Top 47%

💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수

ROIC

Return generated per dollar invested in the business

10.7%

✓ 우수

My positionTop 5%

Low range Average High range

Financial 초소형주 Median 2.2% · Top tier

💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수

Financial health — Debt & liquidity burden

Debt-to-Equity (D/E)

Debt relative to equity (lower is healthier)

0.03

✓ Very low debt

My positionTop 5%

Low range Average High range

Banks - Regional Median 0.42

💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)

Current Ratio

Liquid assets available to cover liabilities due within a year

0.25

✓ 위험

💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의

* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Outlook data is insufficient

Analyst estimates and price targets have not been collected.

Did earnings meet expectations?

Insufficient historical earnings data

No analyzable past earnings releases have been collected yet.

Is it growing?

Average Growth

Mid-range within the industry

Healthy, Balanced Growth EPS and revenue are both growing steadily — a sustainable growth profile

📊 How much has it grown? (actual results)

Past 3-Year EPS

Actual average annual EPS growth over the past 3 years

+10.5%

양호

My positionMid-range

Low range Average High range

가치주 초소형주 Median 2.4% · Top 38%

Past 5-Year EPS

Actual average annual EPS growth over the past 5 years

+12.7%

양호

My positionMid-range

Low range Average High range

가치주 초소형주 Median 9.4% · Top 44%

Past 5-Year Revenue

How much revenue grew over the past 5 years

+9.3%

양호

My positionMid-range

Low range Average High range

가치주 초소형주 Median 7.3% · Top 39%

⚡ Short-term momentum

QoQ Revenue

Revenue change from the previous quarter (short-term momentum)

+8.3%

양호

My positionMid-range

Low range Average High range

가치주 초소형주 Median 5.3% · Top 43%

* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.

New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Outperformed the market by 45%p over 5 years

FNRN +113.7% · S&P 500 +68.3%

Excess return vs. market (price-based, ex-dividends)

5-year basis

vs S&P 500

+45.3%p

well ahead of the market

1-year basis

vs S&P 500

+68.1%p

well ahead of the market

Rank among peers

5-year return Top among peers Based on 64 peers

1-year return Top among peers Based on 76 peers

Current position within 52-week range

Low (-85.0%p) High (-1.5%p)

Current price is 85.0% above the 52-week low and 1.5% below the 52-week high

Recent risk (last 64 trading days)

Max drawdown

-4.5%

Annualized volatility

18.0%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

close
BB Upper
BB Mid
BB Lower
Tenkan
Kijun
Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🟡

Current diagnosis · 2026-07-27

Squeeze — volatility contraction, breakout imminent

Band width narrowed to 6.0%. Big move may be near. Above the Ichimoku cloud (bullish).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

✨

Current diagnosis · 2026-07-27

Golden cross — bullish reversal signal

MACD(0.138) crossed above Signal(0.137). Trend reversal possible; read as a buy entry point.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🟢

Current diagnosis · 2026-07-27

Bullish zone

RSI 61.5 (above the neutral level of 50). Buying pressure leads, supporting a steady rise. Stoch %K is also 77.3.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

Pricier than peers in its industry

Pricey on Vs. Assets·Vs. Sales·Vs. Cash Flow, In line with peers on Vs. Earnings

💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.

💵 Vs. Earnings Mid-range

🏢 Vs. Assets Pricey

🧾 Vs. Sales Pricey

💧 Vs. Cash Flow Pricey

💵 Vs. Earnings

PER Price-to-Earnings Ratio

How expensive the price is vs. earnings — lower is cheaper

13.27x

✓ Fair

My positionMid-range

Low range Average High range

Banks - Regional 초소형주 median 12.79x · Around the industry average

💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)

🏢 Vs. Assets

PBR Price-to-Book Ratio

Price vs. the company's asset value — below 1 trades cheaper than assets

1.42x

✓ Pricey

My positionBottom 25%

Low range Average High range

Banks - Regional 초소형주 median 1.01x · Bottom 11% — expensive within the industry

💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)

🧾 Vs. Sales

PSR Price-to-Sales Ratio

Market cap vs. revenue — lower is cheaper relative to sales

3.34x

✓ Very pricey

My positionBottom 25%

Low range Average High range

Banks - Regional 초소형주 median 2.07x · Bottom 9% — expensive within the industry

💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)

💧 Vs. Cash Flow

P/FCF Price-to-Free-Cash-Flow Ratio

Price vs. actual cash generation — lower means more efficient

58.04x

✓ Very pricey

My positionBottom 5%

Low range Average High range

Banks - Regional 초소형주 median 12.93x · Bottom 1% — expensive within the industry

💡 P/FCF 20 이하면 현금창출 대비 저평가 (실질 수익성 기준)

* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.

As of: Recent snapshot · Peer group: Banks - Regional 초소형주

Who owns it?

Ownership flow is positive

Insider modest net selling -1.1% · Institutional net buying +18.6% · Short interest light 3.9% · Short interest up +3.9pp over last 63d

📈 Recent trading flow (6 months)

🧑‍💼 Insiders (executives & directors)

-1.1%

Insiders net selling

🏦 Institutions (funds & investors)

+18.6%

Institutions large net buying

💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.

👥 Holdings composition

🏦 Institutions 17.1%

Retail-led

Financial 초소형주 Median 30.5%

🧑‍💼 Insiders 11.5%

Founder/management large holders (strong skin-in-the-game)

Financial 초소형주 Median 23.8%

👤 Retail investors (estimated) 71.4%

Everyone excluding institutions and insiders

Institutions Insiders Retail (est.)

📉 Short-selling metrics

Short ratio

3.9%

Low — limited short-side pressure

Financial 초소형주 Median 0.2%

Past 63 days 📈 +3.9%p increase

Short interest days to cover

3.1 days

Days needed to close short positions using average trading volume

🧮 Share count

Total shares outstanding 16.4M주

Float (tradable shares) 14.5M주

* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 63 days.

How much does it pay in dividends?

This company does not pay a dividend

It may be a growth-focused firm reinvesting profits into expansion. Consider this growth-stock profile when investing.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)

Sorted by market cap, largest first

Stock	Market Cap	PER	PBR	ROE	Dividend Yield	Change
FNRN This Stock	$303.5M	13.3 ▲	1.4 ▼	11.63% ▲	-	+1.1%
BRK-B	$966.4B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.5%
BRK-A	$963.1B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.1%
JPM	$954.4B	15.3 ▼	2.7 ▼	17.71% ▲	1.8% ▼	+0.8%
V	$683.1B	31.9 ▼	19.4 ▼	59.8% ▲	0.75% ▼	+1.9%
MA	$487.5B	31.9 ▼	72.8 ▼	232.56% ▲	0.63% ▼	+2.2%
Sector Avg	-	13.6	1.3	9.39%	2.62%	-

FAQ

What kind of company is 퍼스트 노던 커뮤니티 뱅코프(FNRN)?

퍼스트 노던 커뮤니티 뱅코프(FNRN) belongs to the Financial sector and operates in the Banks - Regional industry.

What is the market cap of FNRN?

The market cap of FNRN is approximately $304M, ranking 3,699 within its sector.

What is the P/E ratio of FNRN?

FNRN has a P/E ratio of approximately 13.3x, which can be used to assess its valuation relative to the Financial sector average.

What is the 52-week high and low for FNRN?

FNRN has recorded a 52-week high of $18.79 and a low of $10.00.

면책조항: 본 콘텐츠는 참고 자료이며 투자 권유가 아닙니다. 모든 투자의 책임은 투자자 본인에게 있습니다.