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FNRN (First Northern Community Bancorp) Cyclically Adjusted PS Ratio : 2.51 (As of May. 29, 2025)


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What is First Northern Community Bancorp Cyclically Adjusted PS Ratio?

As of today (2025-05-29), First Northern Community Bancorp's current share price is $9.94. First Northern Community Bancorp's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2025 was $3.96. First Northern Community Bancorp's Cyclically Adjusted PS Ratio for today is 2.51.

The historical rank and industry rank for First Northern Community Bancorp's Cyclically Adjusted PS Ratio or its related term are showing as below:

FNRN' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 1.77   Med: 2.52   Max: 3.75
Current: 2.51

During the past years, First Northern Community Bancorp's highest Cyclically Adjusted PS Ratio was 3.75. The lowest was 1.77. And the median was 2.52.

FNRN's Cyclically Adjusted PS Ratio is ranked better than
55.23% of 1242 companies
in the Banks industry
Industry Median: 2.73 vs FNRN: 2.51

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 PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

First Northern Community Bancorp's adjusted revenue per share data for the three months ended in Mar. 2025 was $1.018. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is $3.96 for the trailing ten years ended in Mar. 2025.

Shiller PE for Stocks: The True Measure of Stock Valuation


First Northern Community Bancorp Cyclically Adjusted PS Ratio Historical Data

The historical data trend for First Northern Community Bancorp's Cyclically Adjusted PS Ratio 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 PS Ratio Chart

First Northern Community Bancorp Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.75 2.69 2.05 2.21 2.45

First Northern Community Bancorp Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted PS Ratio 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 2.29 2.26 2.54 2.45 2.57

Competitive Comparison of First Northern Community Bancorp's Cyclically Adjusted PS Ratio

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

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

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


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First Northern Community Bancorp Cyclically Adjusted PS Ratio Calculation

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

First Northern Community Bancorp's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=9.94/3.96
=2.51

* 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 Revenue per Share for the quarter that ended in Mar. 2025 is calculated as:

For example, First Northern Community Bancorp's adjusted Revenue per Share data for the three months ended in Mar. 2025 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=1.018/134.9266*134.9266
=1.018

Current CPI (Mar. 2025) = 134.9266.

First Northern Community Bancorp Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201506 0.583 100.684 0.781
201509 0.592 100.392 0.796
201512 0.610 99.792 0.825
201603 0.612 100.470 0.822
201606 0.639 101.688 0.848
201609 0.640 101.861 0.848
201612 0.697 101.863 0.923
201703 0.739 102.862 0.969
201706 0.687 103.349 0.897
201709 0.712 104.136 0.923
201712 0.731 104.011 0.948
201803 0.744 105.290 0.953
201806 0.754 106.317 0.957
201809 0.793 106.507 1.005
201812 0.846 105.998 1.077
201903 0.816 107.251 1.027
201906 0.806 108.070 1.006
201909 0.806 108.329 1.004
201912 0.864 108.420 1.075
202003 0.767 108.902 0.950
202006 0.774 108.767 0.960
202009 0.872 109.815 1.071
202012 1.148 109.897 1.409
202103 0.768 111.754 0.927
202106 0.796 114.631 0.937
202109 0.811 115.734 0.945
202112 0.918 117.630 1.053
202203 0.822 121.301 0.914
202206 0.875 125.017 0.944
202209 0.990 125.227 1.067
202212 0.950 125.222 1.024
202303 1.055 127.348 1.118
202306 1.217 128.729 1.276
202309 1.058 129.860 1.099
202312 1.008 129.419 1.051
202403 0.971 131.776 0.994
202406 1.057 132.554 1.076
202409 1.095 133.029 1.111
202412 1.002 133.157 1.015
202503 1.018 134.927 1.018

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue 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 PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue 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 PS Ratio should give similar results to regular PS Ratio.


First Northern Community Bancorp Cyclically Adjusted PS Ratio Related Terms

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


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
Barbara A Hayes director 195 N 1ST STREET, DIXON CA 95620
Kevin Spink officer: EVP/CFO 195 N 1ST STREET, DIXON CA 95620
Richard M Martinez director 195 N. FIRST STREET, PO BOX 547, DIXON CA 95620
Daniel F Ramos director 195 N 1ST STREET, DIXON CA 95620
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
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
Mark C Schulze director 195 N 1ST STREET, DIXON CA 95620
Sean P Quinn 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