FNRN (First Northern Community Bancorp) E10: $1.01 (As of Mar. 2026)


FNRN First Northern Community Bancorp FNRN
57 GF Score
Price $17.62
GF Value $9.98
Valuation Significantly Overvalued
! 6 Warning Signs
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What is First Northern Community Bancorp E10?

First Northern Community Bancorp FNRN -0.51% 57 E10 is $1.01 as of Mar. 2026. GuruFocus rates FNRN with a GF Score™ of 57/100 and a GF Value™ of $9.98 (Significantly Overvalued). The stock has 6 warning signs investors should review.

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 Mar. 2026 was $0.360. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $1.01 for the trailing ten years ended in Mar. 2026.

During the past 12 months, First Northern Community Bancorp's average E10 Growth Rate was 12.20% per year. During the past 3 years, the average E10 Growth Rate was 12.00% per year. During the past 5 years, the average E10 Growth Rate was 14.90% per year. During the past 10 years, the average E10 Growth Rate was 18.40% 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 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 27.80% per year. The lowest was -5.40% per year. And the median was 12.10% per year.

As of today (2026-07-08), First Northern Community Bancorp's current stock price is $17.616. First Northern Community Bancorp's E10 for the quarter that ended in Mar. 2026 was $1.01. First Northern Community Bancorp's Shiller PE Ratio of today is 17.44.

During the past 13 years, the highest Shiller PE Ratio of First Northern Community Bancorp was 39.40. The lowest was 8.06. And the median was 14.64.


First Northern Community Bancorp  (NAS: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
=17.616/1.01
=17.44

* 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 39.40. The lowest was 8.06. And the median was 14.64.


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


First Northern Community Bancorp E10 Historical Data

* Premium members only.

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.

First Northern Community Bancorp E10 Chart

First Northern Community Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.59 0.69 0.79 0.88 0.97

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
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 0.90 0.93 0.96 0.97 1.01

FNRN vs WNEB, CCFN, FUNC: E10 Comparison

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 Shiller PE Ratio vs 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.


FNRN
57GF Score
First Northern Community Bancorp FNRN
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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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 Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.36/330.2130*330.2130
=0.360

Current CPI (Mar. 2026) = 330.2130.

First Northern Community Bancorp Quarterly Data

per share eps CPI Adj_EPS
201606 0.117 241.018 0.160
201609 0.117 241.428 0.160
201612 0.131 241.432 0.179
201703 0.149 243.801 0.202
201706 0.149 244.955 0.201
201709 0.162 246.819 0.217
201712 0.054 246.524 0.072
201803 0.156 249.554 0.206
201806 0.171 251.989 0.224
201809 0.199 252.439 0.260
201812 0.196 251.233 0.258
201903 0.231 254.202 0.300
201906 0.194 256.143 0.250
201909 0.216 256.759 0.278
201912 0.204 256.974 0.262
202003 0.157 258.115 0.201
202006 0.157 257.797 0.201
202009 0.196 260.280 0.249
202012 0.190 260.474 0.241
202103 0.181 264.877 0.226
202106 0.189 271.696 0.230
202109 0.263 274.310 0.317
202112 0.187 278.802 0.221
202203 0.181 287.504 0.208
202206 0.207 296.311 0.231
202209 0.268 296.808 0.298
202212 0.190 296.797 0.211
202303 0.327 301.836 0.358
202306 0.272 305.109 0.294
202309 0.259 307.789 0.278
202312 0.328 306.746 0.353
202403 0.248 312.332 0.262
202406 0.257 314.175 0.270
202409 0.308 315.301 0.323
202412 0.281 315.605 0.294
202503 0.220 319.799 0.227
202506 0.333 322.561 0.341
202509 0.362 324.800 0.368
202512 0.343 324.054 0.350
202603 0.360 330.213 0.360

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

Frequently Asked Questions Learn more about E10 →
What does a E10 of $1.01 mean?
First Northern Community Bancorp (FNRN) has a E10 of $1.01 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on First Northern Community Bancorp and its competitors.
Is First Northern Community Bancorp's E10 too high?
First Northern Community Bancorp's current E10 is $1.01. Overall, First Northern Community Bancorp has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Northern Community Bancorp's E10 compare to WNEB and CCFN?
First Northern Community Bancorp's E10 of $1.01 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on First Northern Community Bancorp and its competitors. First Northern Community Bancorp's current E10 is $1.01. 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?
Based on GuruFocus' analysis, First Northern Community Bancorp (FNRN) is currently considered Significantly Overvalued. The stock's GF Value™ is $9.98, compared to a current price of $17.62 — trading 76.5% above its estimated fair value. The current E10 is $1.01. 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 E10 calculated?
E10 is calculated from a company's financial statements. For First Northern Community Bancorp (FNRN), the current E10 is $1.01 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 (FNRN) Overvalued in 2026?

Based on GuruFocus' analysis, First Northern Community Bancorp stock appears to be overvalued. The current stock price of $17.62 is trading 76.5% above its estimated GF Value™ of $9.98. GuruFocus considers First Northern Community Bancorp to be Significantly Overvalued.

Key valuation signals for FNRN:

  • E10: $1.01
  • GF Value™: $9.98 vs. price of $17.62 (76.5% above fair value)
  • GF Score™: 57/100 with 6 warning signs

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


First Northern Community Bancorp Business Description

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 FNRN

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.62
Price
$9.98
GF Value