What is First Northern Community Bancorp FCF Yield %?
First Northern Community BancorpFNRN -0.51%57 FCF Yield % is 1.95 as of Jul. 08, 2026, which is 83% below its 10-year median of 11.31. 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. Among 1,503 Banks companies, First Northern Community Bancorp ranks worse than 70.19% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
First Northern Community Bancorp FCF Yield % Explanation
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
First Northern Community Bancorp FCF Yield % Related Terms
First Northern Community Bancorp FCF Yield % 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.
First Northern Community Bancorp FCF Yield % Chart
For the Banks - Regional subindustry, First Northern Community Bancorp's FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, First Northern Community Bancorp's FCF Yield % distribution charts can be found below:
* The bar in red indicates where First Northern Community Bancorp's FCF Yield % falls into.
* 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 FCF Yield % of 1.95 as of Jul. 08, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on First Northern Community Bancorp and its competitors. This is 83% below median its historical median of 11.31. Over the past decade, First Northern Community Bancorp's FCF Yield % has ranged from 1.41 to 27.52. According to the industry distribution chart, First Northern Community Bancorp ranks #1055 out of 1503 companies in the Banks industry, placing it in the top 70.2%.
Is First Northern Community Bancorp's FCF Yield % too high?
First Northern Community Bancorp's current FCF Yield % of 1.95 is 83% below median its 10-year median of 11.31. Over the past 10 years, this metric has ranged from a low of 1.41 to a high of 27.52. The Banks industry median FCF Yield % is 8.11. First Northern Community Bancorp's value of 1.95 is 76% below this industry median. Based on the distribution chart, First Northern Community Bancorp ranks #1055 out of 1503 companies in the Banks industry, which is below the industry midpoint. 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 FCF Yield % compare to WNEB and CCFN?
According to the Banks industry distribution chart, First Northern Community Bancorp ranks #1055 out of 1503 companies for FCF Yield %. This places First Northern Community Bancorp in the lower half of its industry. The industry median FCF Yield % is 8.11. First Northern Community Bancorp's value of 1.95 is 76% below this benchmark. Historically, First Northern Community Bancorp's own FCF Yield % has ranged from 1.41 to 27.52 over the past decade. While the company's 10-year median is 11.31 vs. the industry median of 8.11, First Northern Community Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.11, based on 1,503 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Northern Community Bancorp's current FCF Yield % of 1.95 is 76% below 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on First Northern Community Bancorp and its competitors. For the Banks industry, the median FCF Yield % is 8.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Northern Community Bancorp's current FCF Yield % is 1.95, which is 83% below median its own 10-year median of 11.31. 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 FCF Yield % is 1.95, which is 83% below median its 10-year median of 11.31 and 76% below the Banks industry median of 8.11. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For First Northern Community Bancorp (FNRN), the current FCF Yield % is 1.95 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:
FCF Yield %: 1.95 (83% below median its 10-year median of 11.31)
GF Value™: $9.98 vs. price of $17.61 (76.5% above fair value)
Industry Position: 76% below the Banks median (#1055 of 1503)
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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