The historical rank and industry rank for First Northern Community Bancorp's EV-to-FCF or its related term are showing as below:
FNRN'
s EV-to-FCF Range Over the Past 10 Years
Min: -17.33 Med: -2.15 Max: 41.11
Current: 24.72
During the past 13 years, the highest EV-to-FCF of First Northern Community Bancorp was 41.11. The lowest was -17.33. And the median was -2.15.
FNRN's EV-to-FCF is ranked worse than 85.82% of 1192
companies
in the Banks industry
Industry Median: 6.61
vs FNRN: 24.72
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Northern Community Bancorp (NAS:FNRN) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Northern Community Bancorp's PE Ratio (TTM) for today is calculated as:
First Northern Community Bancorp's share price for today is $17.61.
First Northern Community Bancorp's Earnings per Share (Diluted) 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 $1.398.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
First Northern Community Bancorp EV-to-FCF Related Terms
First Northern Community Bancorp EV-to-FCF Historical Data
* 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.
For the Banks - Regional subindustry, First Northern Community Bancorp's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, First Northern Community Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where First Northern Community Bancorp's EV-to-FCF falls into.
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 (FNRN) has a EV-to-FCF of 24.72 as of Jul. 08, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Northern Community Bancorp and its competitors. According to the industry distribution chart, First Northern Community Bancorp ranks #1023 out of 1192 companies in the Banks industry, placing it in the top 85.8%.
Is First Northern Community Bancorp's EV-to-FCF too high?
First Northern Community Bancorp's current EV-to-FCF is 24.72. The Banks industry median EV-to-FCF is 6.61. First Northern Community Bancorp's value of 24.72 is 274% above this industry median. Based on the distribution chart, First Northern Community Bancorp ranks #1023 out of 1192 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 EV-to-FCF compare to WNEB and CCFN?
According to the Banks industry distribution chart, First Northern Community Bancorp ranks #1023 out of 1192 companies for EV-to-FCF. This places First Northern Community Bancorp in the lower half of its industry. The industry median EV-to-FCF is 6.61. First Northern Community Bancorp's value of 24.72 is 274% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.61, based on 1,192 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Northern Community Bancorp's current EV-to-FCF of 24.72 is 274% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Northern Community Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Northern Community Bancorp's current EV-to-FCF is 24.72. 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 EV-to-FCF is 24.72 and 274% above the Banks industry median of 6.61. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For First Northern Community Bancorp (FNRN), the current EV-to-FCF is 24.72 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:
EV-to-FCF: 24.72
GF Value™: $9.98 vs. price of $17.61 (76.5% above fair value)
Industry Position: 274% above the Banks median (#1023 of 1192)
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
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
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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