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First Northern Community Bancorp (First Northern Community Bancorp) Cyclically Adjusted Price-to-FCF : 7.24 (As of May. 26, 2024)


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What is First Northern Community Bancorp Cyclically Adjusted Price-to-FCF?

As of today (2024-05-26), First Northern Community Bancorp's current share price is $8.90. First Northern Community Bancorp's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2024 was $1.23. First Northern Community Bancorp's Cyclically Adjusted Price-to-FCF for today is 7.24.

The historical rank and industry rank for First Northern Community Bancorp's Cyclically Adjusted Price-to-FCF or its related term are showing as below:

FNRN' s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 3.82   Med: 7.47   Max: 12.63
Current: 7.22

During the past years, First Northern Community Bancorp's highest Cyclically Adjusted Price-to-FCF was 12.63. The lowest was 3.82. And the median was 7.47.

FNRN's Cyclically Adjusted Price-to-FCF is ranked better than
50.3% of 833 companies
in the Banks industry
Industry Median: 7.38 vs FNRN: 7.22

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

First Northern Community Bancorp's adjusted free cash flow per share data for the three months ended in Mar. 2024 was $0.172. Add all the adjusted free cash flow per share for the past 10 years together and divide 10 will get our Cyclically Adjusted FCF per Share, which is $1.23 for the trailing ten years ended in Mar. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


First Northern Community Bancorp Cyclically Adjusted Price-to-FCF Historical Data

The historical data trend for First Northern Community Bancorp's Cyclically Adjusted Price-to-FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

First Northern Community Bancorp Cyclically Adjusted Price-to-FCF Chart

First Northern Community Bancorp Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.90 9.28 8.39 6.46 7.04

First Northern Community Bancorp Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Cyclically Adjusted Price-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 6.01 5.67 7.32 7.04 7.34

Competitive Comparison of First Northern Community Bancorp's Cyclically Adjusted Price-to-FCF

For the Banks - Regional subindustry, First Northern Community Bancorp's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


First Northern Community Bancorp's Cyclically Adjusted Price-to-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, First Northern Community Bancorp's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where First Northern Community Bancorp's Cyclically Adjusted Price-to-FCF falls into.



First Northern Community Bancorp Cyclically Adjusted Price-to-FCF Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.

First Northern Community Bancorp's Cyclically Adjusted Price-to-FCF for today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/ Cyclically Adjusted FCF per Share
=8.90/1.23
=7.24

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

First Northern Community Bancorp's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2024 is calculated as:

For example, First Northern Community Bancorp's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2024 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Mar. 2024 (Change)*Current CPI (Mar. 2024)
=0.172/131.7762*131.7762
=0.172

Current CPI (Mar. 2024) = 131.7762.

First Northern Community Bancorp Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201406 0.177 100.560 0.232
201409 0.208 100.428 0.273
201412 0.158 99.070 0.210
201503 -0.040 99.621 -0.053
201506 0.445 100.684 0.582
201509 0.162 100.392 0.213
201512 0.283 99.792 0.374
201603 -0.089 100.470 -0.117
201606 0.212 101.688 0.275
201609 0.249 101.861 0.322
201612 0.195 101.863 0.252
201703 0.345 102.862 0.442
201706 0.183 103.349 0.233
201709 0.256 104.136 0.324
201712 0.246 104.011 0.312
201803 0.205 105.290 0.257
201806 0.235 106.317 0.291
201809 0.384 106.507 0.475
201812 0.174 105.998 0.216
201903 0.191 107.251 0.235
201906 0.224 108.070 0.273
201909 0.238 108.329 0.290
201912 0.400 108.420 0.486
202003 -0.357 108.902 -0.432
202006 1.185 108.767 1.436
202009 0.026 109.815 0.031
202012 -0.131 109.897 -0.157
202103 0.084 111.754 0.099
202106 0.817 114.631 0.939
202109 0.271 115.734 0.309
202112 0.387 117.630 0.434
202203 0.130 121.301 0.141
202206 0.255 125.017 0.269
202209 0.465 125.227 0.489
202212 0.456 125.222 0.480
202303 0.311 127.348 0.322
202306 0.506 128.729 0.518
202309 0.747 129.860 0.758
202312 0.117 129.419 0.119
202403 0.172 131.776 0.172

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


First Northern Community Bancorp  (OTCPK:FNRN) Cyclically Adjusted Price-to-FCF Explanation

Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.


First Northern Community Bancorp Cyclically Adjusted Price-to-FCF Related Terms

Thank you for viewing the detailed overview of First Northern Community Bancorp's Cyclically Adjusted Price-to-FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


First Northern Community Bancorp (First Northern Community Bancorp) Business Description

Traded in Other Exchanges
N/A
Address
195 North First Street, Dixon, CA, USA, 95620
First Northern Community Bancorp is a bank holding company for a community bank, First Northern Bank of Dixon. It conducts general banking activities, including collecting deposits and originating loans and serves Solano, Yolo, Sacramento, Placer, El Dorado, and Contra Costa Counties. It offers a broad range of alternative investment products and services, equipment leasing, credit cards, merchant card processing, payroll services, and limited international banking services. The bank generates majority of its revenue by providing various products and services to small and middle-sized businesses and individuals.
Executives
Jeremiah Zachary Smith director, officer: President/CEO/Director 195 N. FIRST STREET, P.O. BOX 547, DIXON CA 95620
Jeffrey A Adamski officer: EVP/Senior Loan Officer 195 N. FIRST STREET, P.O. BOX 547, DIXON CA 95620
Greg Dupratt director 195 N. 1ST STREET, DIXON CA 95620
Richard M Martinez director 195 N. FIRST STREET, PO BOX 547, DIXON CA 95620
T Joe Danelson officer: EVP/Chief Credit Officer 195 N FIRST STREET, DIXON CA 95620
Kimberly A Debra officer: EVP/Chief Communications Ofcr 195 N. FIRST STREET, P.O. BOX 547, DIXON CA 95620
Patrick R Brady director 195 N. FIRST STREET, PO BOX 547, DIXON CA 95620
Louise A Walker officer: SEVP/CFO 195 N. 1ST STREET, DIXON CA 95620
Barbara A Hayes director 195 N 1ST STREET, DIXON CA 95620
Mark C Schulze director 195 N 1ST STREET, DIXON CA 95620
Sean P Quinn director 195 N 1ST STREET, DIXON CA 95620
Kevin Spink officer: EVP/CFO 195 N 1ST STREET, DIXON CA 95620
Daniel F Ramos director 195 N 1ST STREET, DIXON CA 95620
Foy S Mcnaughton director 195 N. 1ST STREET, DIXON CA 95620
Denise Burris officer: EVP/Chief Information Officer 195 N 1ST STREET, DIXON CA 95620

First Northern Community Bancorp (First Northern Community Bancorp) Headlines

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