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First Northern Community Bancorp (First Northern Community Bancorp) E10 : $0.88 (As of Dec. 2023)


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What is First Northern Community Bancorp E10?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

First Northern Community Bancorp's adjusted earnings per share data for the three months ended in Dec. 2023 was $0.381. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $0.88 for the trailing ten years ended in Dec. 2023.

During the past 12 months, First Northern Community Bancorp's average E10 Growth Rate was 15.80% per year. During the past 3 years, the average E10 Growth Rate was 18.40% per year. During the past 5 years, the average E10 Growth Rate was 20.30% per year. During the past 10 years, the average E10 Growth Rate was 14.50% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of First Northern Community Bancorp was 28.50% per year. The lowest was -5.00% per year. And the median was 10.80% per year.

As of today (2024-05-01), First Northern Community Bancorp's current stock price is $8.94. First Northern Community Bancorp's E10 for the quarter that ended in Dec. 2023 was $0.88. First Northern Community Bancorp's Shiller PE Ratio of today is 10.16.

During the past 13 years, the highest Shiller PE Ratio of First Northern Community Bancorp was 39.97. The lowest was 8.03. And the median was 17.62.


First Northern Community Bancorp E10 Historical Data

The historical data trend for First Northern Community Bancorp's E10 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 E10 Chart

First Northern Community Bancorp Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.46 0.53 0.65 0.76 0.88

First Northern Community Bancorp Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
E10 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 0.76 0.80 0.83 0.85 0.88

Competitive Comparison of First Northern Community Bancorp's E10

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

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

* The bar in red indicates where First Northern Community Bancorp's Shiller PE Ratio falls into.



First Northern Community Bancorp E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Dec. 2023 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Dec. 2023 (Change)*Current CPI (Dec. 2023)
=0.381/129.4194*129.4194
=0.381

Current CPI (Dec. 2023) = 129.4194.

First Northern Community Bancorp Quarterly Data

per share eps CPI Adj_EPS
201403 0.086 99.695 0.112
201406 0.086 100.560 0.111
201409 0.100 100.428 0.129
201412 0.101 99.070 0.132
201503 0.097 99.621 0.126
201506 0.110 100.684 0.141
201509 0.117 100.392 0.151
201512 0.116 99.792 0.150
201603 0.115 100.470 0.148
201606 0.129 101.688 0.164
201609 0.129 101.861 0.164
201612 0.144 101.863 0.183
201703 0.164 102.862 0.206
201706 0.164 103.349 0.205
201709 0.179 104.136 0.222
201712 0.059 104.011 0.073
201803 0.172 105.290 0.211
201806 0.188 106.317 0.229
201809 0.219 106.507 0.266
201812 0.216 105.998 0.264
201903 0.255 107.251 0.308
201906 0.214 108.070 0.256
201909 0.239 108.329 0.286
201912 0.225 108.420 0.269
202003 0.173 108.902 0.206
202006 0.173 108.767 0.206
202009 0.216 109.815 0.255
202012 0.209 109.897 0.246
202103 0.200 111.754 0.232
202106 0.209 114.631 0.236
202109 0.290 115.734 0.324
202112 0.206 117.630 0.227
202203 0.200 121.301 0.213
202206 0.229 125.017 0.237
202209 0.295 125.227 0.305
202212 0.257 125.222 0.266
202303 0.362 127.348 0.368
202306 0.295 128.729 0.297
202309 0.305 129.860 0.304
202312 0.381 129.419 0.381

Add all the adjusted EPS together and divide 10 will get our e10.


First Northern Community Bancorp  (OTCPK:FNRN) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

First Northern Community Bancorp's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=8.94/0.88
=10.16

* 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.

During the past 13 years, the highest Shiller P/E Ratio of First Northern Community Bancorp was 39.97. The lowest was 8.03. And the median was 17.62.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


First Northern Community Bancorp E10 Related Terms

Thank you for viewing the detailed overview of First Northern Community Bancorp's E10 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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