First Northern Community Bancorp (FRA:VW8) Cyclically Adjusted Book per Share: €0.00 (As of Mar. 2026)


FRA:VW8 First Northern Community Bancorp FRA:VW8
57 GF Score
Price €14.78
GF Value €8.33
! 6 Warning Signs
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What is First Northern Community Bancorp Cyclically Adjusted Book per Share?

First Northern Community Bancorp FRA:VW8 -0.27% 57 Cyclically Adjusted Book per Share is €0.00 as of Mar. 2026. GuruFocus rates FRA:VW8 with a GF Score™ of 57/100 and a GF Value™ of €8.33. The stock has 6 warning signs investors should review.

Note: As Cyclically Adjusted Book per Share is a main component used to calculate Cyclically Adjusted PB Ratio. If the month end stock price for this stock is zero, result may not be accurate due to the exchange rate between different shares and the data will not be stored into our database. Selected historical data showed in the calculation section below is only for demostration purpose.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

First Northern Community Bancorp's adjusted book value per share for the three months ended in Mar. 2026 was €11.270. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €0.00 for the trailing ten years ended in Mar. 2026.

During the past 12 months, First Northern Community Bancorp's average Cyclically Adjusted Book Growth Rate was 9.80% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 8.10% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 9.30% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 8.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of First Northern Community Bancorp was 11.00% per year. The lowest was 2.90% per year. And the median was 5.90% per year.

As of today (2026-07-08), First Northern Community Bancorp's current stock price is €14.78. First Northern Community Bancorp's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was €0.00. First Northern Community Bancorp's Cyclically Adjusted PB Ratio of today is .

During the past 13 years, the highest Cyclically Adjusted PB Ratio of First Northern Community Bancorp was 1.94. The lowest was 0.79. And the median was 1.29.


First Northern Community Bancorp  (FRA:VW8) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

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 PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of First Northern Community Bancorp was 1.94. The lowest was 0.79. And the median was 1.29.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


First Northern Community Bancorp Cyclically Adjusted Book per Share Related Terms


First Northern Community Bancorp Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for First Northern Community Bancorp's Cyclically Adjusted Book per Share 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.

First Northern Community Bancorp Cyclically Adjusted Book per Share Chart

First Northern Community Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
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First Northern Community Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share 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 0.00 0.00 0.00 0.00 0.00

FRA:VW8 vs WNEB, CCFN, FUNC: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, First Northern Community Bancorp's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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 Cyclically Adjusted PB Ratio vs Banks Industry

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

* The bar in red indicates where First Northern Community Bancorp's Cyclically Adjusted PB Ratio falls into.


FRA:VW8
57GF Score
First Northern Community Bancorp FRA:VW8
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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First Northern Community Bancorp Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book 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.

For example, First Northern Community Bancorp's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=11.27/330.2130*330.2130
=11.270

Current CPI (Mar. 2026) = 330.2130.

First Northern Community Bancorp Quarterly Data

Book Value per Share CPI Adj_Book
201606 4.717 241.018 6.463
201609 4.809 241.428 6.578
201612 5.108 241.432 6.986
201703 5.166 243.801 6.997
201706 5.060 244.955 6.821
201709 4.919 246.819 6.581
201712 4.920 246.524 6.590
201803 4.757 249.554 6.295
201806 5.146 251.989 6.743
201809 5.302 252.439 6.935
201812 5.733 251.233 7.535
201903 6.037 254.202 7.842
201906 6.389 256.143 8.237
201909 6.798 256.759 8.743
201912 6.909 256.974 8.878
202003 7.332 258.115 9.380
202006 7.403 257.797 9.483
202009 7.248 260.280 9.195
202012 7.117 260.474 9.022
202103 7.207 264.877 8.985
202106 7.291 271.696 8.861
202109 7.642 274.310 9.199
202112 7.934 278.802 9.397
202203 7.193 287.504 8.262
202206 7.106 296.311 7.919
202209 6.766 296.808 7.527
202212 6.959 296.797 7.743
202303 7.435 301.836 8.134
202306 7.406 305.109 8.015
202309 7.499 307.789 8.045
202312 8.555 306.746 9.209
202403 8.712 312.332 9.211
202406 9.056 314.175 9.518
202409 9.745 315.301 10.206
202412 10.060 315.605 10.526
202503 10.407 319.799 10.746
202506 10.173 322.561 10.414
202509 10.569 324.800 10.745
202512 10.510 324.054 10.710
202603 11.270 330.213 11.270

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of €0.00 mean?
First Northern Community Bancorp (FRA:VW8) has a Cyclically Adjusted Book per Share of €0.00 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on First Northern Community Bancorp and its competitors.
Is First Northern Community Bancorp's Cyclically Adjusted Book per Share too high?
First Northern Community Bancorp's current Cyclically Adjusted Book per Share is €0.00. Overall, First Northern Community Bancorp has a GF Score™ of 57/100, reflecting its overall financial health beyond just this single metric.
How does First Northern Community Bancorp's Cyclically Adjusted Book per Share compare to WNEB and CCFN?
First Northern Community Bancorp's Cyclically Adjusted Book per Share of €0.00 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on First Northern Community Bancorp and its competitors. First Northern Community Bancorp's current Cyclically Adjusted Book per Share is €0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Northern Community Bancorp stock overvalued right now?
First Northern Community Bancorp (FRA:VW8) has a current Cyclically Adjusted Book per Share of €0.00. The stock's GF Value™ is €8.33, compared to a current price of €14.78 — trading 77.4% above its estimated fair value. The current Cyclically Adjusted Book per Share is €0.00. First Northern Community Bancorp's overall GF Score™ is 57/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For First Northern Community Bancorp (FRA:VW8), the current Cyclically Adjusted Book per Share is €0.00 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is First Northern Community Bancorp (FRA:VW8) Overvalued in 2026?

Based on GuruFocus' analysis, First Northern Community Bancorp stock appears to be overvalued. The current stock price of €14.78 is trading 77.4% above its estimated GF Value™ of €8.33.

Key valuation signals for FRA:VW8:

  • Cyclically Adjusted Book per Share: €0.00
  • GF Value™: €8.33 vs. price of €14.78 (77.4% above fair value)
  • GF Score™: 57/100 with 6 warning signs

No single metric tells the full story. See the FRA:VW8 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


First Northern Community Bancorp Business Description

Other Exchanges FNRN:USA
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 the majority of its revenue by providing various products and services to small and medium-sized businesses and individuals. including accepting demand, interest bearing transaction, savings, and time deposits, and making commercial, consumer, and real estate-related loans.
57GF Score

Get the complete analysis for FRA:VW8

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€14.78
Price
€8.33
GF Value