FNRN (First Northern Community Bancorp) Enterprise Value: $139.17 Mil (As of Jul. 08, 2026) ***


FNRN First Northern Community Bancorp FNRN
57 GF Score
Price $17.61
GF Value $9.98
Valuation Significantly Overvalued
! 6 Warning Signs
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What is First Northern Community Bancorp Enterprise Value?

First Northern Community Bancorp FNRN -0.51% 57 Enterprise Value is $139.17 Mil as of Jul. 08, 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.

Think of Enterprise Value as the theoretical takeover price. It is more comprehensive than market capitalization (Market Cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.

EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. This ratio does not apply to banks.

EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA. This ratio does not apply to banks.

EV-to-Revenue is calculated as Enterprise Value divided by its Revenue. As of today, First Northern Community Bancorp's Enterprise Value is $139.17 Mil. First Northern Community Bancorp's Revenue for the trailing twelve months (TTM) ended in Mar. 2026 was $75.04 Mil. Therefore, First Northern Community Bancorp's EV-to-Revenue ratio for today is 1.85.

EV-to-OCF is calculated as Enterprise Value divided by its Cash Flow from Operations. As of today, First Northern Community Bancorp's Enterprise Value is $139.17 Mil. First Northern Community Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $7.73 Mil. Therefore, First Northern Community Bancorp's EV-to-OCF ratio for today is 18.00.

EV-to-FCF is calculated as Enterprise Value divided by its Free Cash Flow. As of today, First Northern Community Bancorp's Enterprise Value is $139.17 Mil. First Northern Community Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $5.63 Mil. Therefore, First Northern Community Bancorp's EV-to-FCF ratio for today is 24.72.

*** Please note that the current Enterprise Value is calculated using the current market capitalization and the most recently available financial data. If key financial fields—Long-Term Debt & Capital Lease Obligation and Short-Term Debt & Capital Lease Obligation—are recorded as null in the latest reporting period, our data vendor will default to using data from the prior period with valid entries.


First Northern Community Bancorp  (NAS:FNRN) Enterprise Value Explanation

When an investor buy a company, the investor needs to pay not only the common shares, he/she also needs to pay the shareholders of Preferred Stocks. He also assumes the debt of the company, and receives the cash on the company's balance sheet.

If a company has more cash than debt, the investor actually pays less than the Market Cap because he immediately owns the cash once the transaction goes through.

The market value of Preferred Stock needs to be added to the market value of common stocks in the calculation of Enterprise Value.

For the companies with the same Market Cap, the smaller the Enterprise Value is, the cheaper the company is.

Enterprise Value can be negative when the company's net cash is more than its Market Cap. In this case the investor is basically getting the company for free and get paid for that.

1. EV-to-Revenue is calculated as Enterprise Value divided by its Revenue.

First Northern Community Bancorp's EV-to-Revenue for today is:

EV-to-Revenue=Enterprise Value (Today)/Revenue (TTM)
=139.171/75.04
=1.85

First Northern Community Bancorp's current Enterprise Value is $139.17 Mil.
First Northern Community Bancorp's Revenue for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $75.04 Mil.

2. EV-to-OCF is calculated as Enterprise Value divided by its Cash Flow from Operations.

First Northern Community Bancorp's EV-to-OCF for today is:

EV-to-OCF=Enterprise Value (Today)/Cash Flow from Operations (TTM)
=139.171/7.732
=18.00

First Northern Community Bancorp's current Enterprise Value is $139.17 Mil.
First Northern Community Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $7.73 Mil.

3. EV-to-FCF is calculated as Enterprise Value divided by its Free Cash Flow.

First Northern Community Bancorp's EV-to-FCF for today is:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=139.171/5.63
=24.72

First Northern Community Bancorp's current Enterprise Value is $139.17 Mil.
First Northern Community Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $5.63 Mil.

* 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 Enterprise Value Related Terms


First Northern Community Bancorp Enterprise Value Historical Data

* Premium members only.

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

First Northern Community Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Enterprise Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only -224.01 -95.33 -37.40 16.16 63.46

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
Enterprise Value 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 34.54 12.64 37.57 63.46 111.00

FNRN vs WNEB, CCFN, FUNC: Enterprise Value Comparison

For the Banks - Regional subindustry, First Northern Community Bancorp's Enterprise Value, along with its competitors' market caps and Enterprise Value 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 Enterprise Value vs Banks Industry

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

* The bar in red indicates where First Northern Community Bancorp's Enterprise Value falls into.


FNRN
57GF Score
First Northern Community Bancorp FNRN
Enterprise Value is just one metric. See GF Score™, valuation, warning signs, and more.
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First Northern Community Bancorp Enterprise Value Calculation

Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.

First Northern Community Bancorp's Enterprise Value for the fiscal year that ended in Dec. 2025 is calculated as

First Northern Community Bancorp's Enterprise Value for the quarter that ended in Mar. 2026 is calculated as

* 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.

Frequently Asked Questions Learn more about Enterprise Value →
What does a Enterprise Value of $139.17 Mil mean?
First Northern Community Bancorp (FNRN) has a Enterprise Value of $139.17 Mil as of Jul. 08, 2026. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on First Northern Community Bancorp and its competitors.
Is First Northern Community Bancorp's Enterprise Value too high?
First Northern Community Bancorp's current Enterprise Value is $139.17 Mil. 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 Enterprise Value compare to WNEB and CCFN?
First Northern Community Bancorp's Enterprise Value of $139.17 Mil 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 Enterprise Value for a Banks company?
A good Enterprise Value depends on the Banks industry context. However, Enterprise Value 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 Enterprise Value mean?
A high Enterprise Value can signal that a stock is expensive relative to its fundamentals. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on First Northern Community Bancorp and its competitors. First Northern Community Bancorp's current Enterprise Value is $139.17 Mil. 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 $17.61 — trading 76.5% above its estimated fair value. The current Enterprise Value is $139.17 Mil. 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 Enterprise Value calculated?
Enterprise Value is calculated from a company's financial statements. For First Northern Community Bancorp (FNRN), the current Enterprise Value is $139.17 Mil as of Jul. 08, 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 $17.61 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:

  • Enterprise Value: $139.17 Mil
  • GF Value™: $9.98 vs. price of $17.61 (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

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

$17.61
Price
$9.98
GF Value