FNRN (First Northern Community Bancorp) Margin of Safety % (DCF FCF Based): -599.05% (As of Jul. 08, 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 Margin of Safety % (DCF FCF Based)?

First Northern Community Bancorp FNRN -0.51% 57 Margin of Safety % (DCF FCF Based) is -599.05% 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.

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

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and 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 FCF model is $24.08 and current share price is $17.616. Consequently,

First Northern Community Bancorp's Margin of Safety % (DCF FCF Based) using Discounted FCF model is -599.05%.

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

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

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

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


FNRN
57GF Score
First Northern Community Bancorp FNRN
Margin of Safety % (DCF FCF 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 FCF Based) Calculation

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

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(2.52-17.616)/2.52
=-599.05 %

* 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 FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of -599.05% mean?
First Northern Community Bancorp (FNRN) has a Margin of Safety % (DCF FCF Based) of -599.05% as of Jul. 08, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on First Northern Community Bancorp.
Is First Northern Community Bancorp's Margin of Safety % (DCF FCF Based) too high?
First Northern Community Bancorp's current Margin of Safety % (DCF FCF Based) is -599.05%. 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 Margin of Safety % (DCF FCF Based) compare to WNEB and CCFN?
First Northern Community Bancorp's Margin of Safety % (DCF FCF Based) of -599.05% 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 Margin of Safety % (DCF FCF Based) for a Banks company?
A good Margin of Safety % (DCF FCF Based) depends on the Banks industry context. However, Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on First Northern Community Bancorp. First Northern Community Bancorp's current Margin of Safety % (DCF FCF Based) is -599.05%. 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 Margin of Safety % (DCF FCF Based) is -599.05%. 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 Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For First Northern Community Bancorp (FNRN), the current Margin of Safety % (DCF FCF Based) is -599.05% 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 $17.62 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:

  • Margin of Safety % (DCF FCF Based): -599.05%
  • 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

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

$17.62
Price
$9.98
GF Value