Financial Comparison: First Northern Community Bancorp (FNRN) vs. The Competition

First Northern Community Bancorp (NASDAQ:FNRN) is one of 930 publicly-traded companies in the “Banks” industry, but how does it compare to its peers? We will compare First Northern Community Bancorp to similar companies based on the strength of its earnings, valuation, institutional ownership, dividends, analyst recommendations, risk and profitability.

Risk & Volatility

First Northern Community Bancorp has a beta of 0.01, indicating that its stock price is 99% less volatile than the S&P 500. Comparatively, First Northern Community Bancorp’s peers have a beta of 0.37, indicating that their average stock price is 63% less volatile than the S&P 500.

Profitability

This table compares First Northern Community Bancorp and its peers’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
First Northern Community Bancorp	25.92%	10.76%	1.18%
First Northern Community Bancorp Competitors	14.96%	9.63%	0.94%

Analyst Ratings

This is a summary of current ratings and recommmendations for First Northern Community Bancorp and its peers, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Northern Community Bancorp	0	0	1	0	3.00
First Northern Community Bancorp Competitors	7358	29585	26809	1326	2.34

As a group, “Banks” companies have a potential upside of 2.89%. Given First Northern Community Bancorp’s peers higher possible upside, analysts plainly believe First Northern Community Bancorp has less favorable growth aspects than its peers.

Valuation & Earnings

This table compares First Northern Community Bancorp and its peers revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
First Northern Community Bancorp	$88.40 million	$21.13 million	13.14
First Northern Community Bancorp Competitors	$161.01 billion	$2.38 billion	27.34

First Northern Community Bancorp’s peers have higher revenue and earnings than First Northern Community Bancorp. First Northern Community Bancorp is trading at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.

Insider and Institutional Ownership

17.9% of First Northern Community Bancorp shares are held by institutional investors. Comparatively, 47.8% of shares of all “Banks” companies are held by institutional investors. 11.9% of First Northern Community Bancorp shares are held by insiders. Comparatively, 9.8% of shares of all “Banks” companies are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Summary

First Northern Community Bancorp peers beat First Northern Community Bancorp on 7 of the 13 factors compared.

About First Northern Community Bancorp

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 to medium sized businesses. The company accepts demand deposits, interest-bearing transaction deposits, savings and money market accounts, and time deposits. Its loan portfolio comprises of commercial, commercial real estate, agriculture, residential mortgage, residential construction, and consumer loans. The company also offers credit cards; investment and brokerage services; alternative investment products, and fiduciary and other financial services; and equipment leasing, merchant card processing, payroll, and international banking services through third parties. In addition, it provides issues cashier’s checks, safe deposit boxes rental, and other customary banking services. The company operates eleven full-service branches located in the cities of Auburn, Davis, Dixon, Fairfield, Rancho Cordova, Roseville, Sacramento, Vacaville, West Sacramento, Winters, and Woodland; a satellite banking office inside a retirement community in the city of Davis; a residential mortgage loan office in Davis; and a commercial loan office in the Contra Costa County city of Walnut Creek. First Northern Community Bancorp was founded in 1910 and is headquartered in Dixon, California.