FNRN (First Northern Community Bancorp) Margin of Safety % (DCF Dividends Based): N/A (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 Margin of Safety % (DCF Dividends Based)?

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

As of today (2026-07-08), First Northern Community Bancorp's Predictability Rank is 4-Stars. First Northern Community Bancorp's intrinsic value calculated from the Discounted Dividend model is $24.08 and current share price is $17.61. Consequently,

First Northern Community Bancorp's Margin of Safety % (DCF Dividends Based) using Discounted Dividend model is N/A.

FNRN vs WNEB, CCFN, FUNC: Margin of Safety % (DCF Dividends Based) Comparison

For the Banks - Regional subindustry, First Northern Community Bancorp's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, First Northern Community Bancorp's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where First Northern Community Bancorp's Margin of Safety % (DCF Dividends Based) falls into.


FNRN
57GF Score
First Northern Community Bancorp FNRN
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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First Northern Community Bancorp Margin of Safety % (DCF Dividends Based) Calculation

First Northern Community Bancorp's Margin of Safety % (DCF Dividends Based) for today is calculated as

Margin of Safety % (DCF Dividends Based)=(Intrinsic Value: DCF (Dividends Based)-Current Price)/Intrinsic Value: DCF (Dividends Based)
=(0.00-17.61)/0.00
=N/A

* 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.

The intrinsic value is calculated from the Discounted Dividend model with default parameters.

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:

  • Margin of Safety % (DCF Dividends Based): N/A
  • 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

Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.61
Price
$9.98
GF Value