FNRN (First Northern Community Bancorp) Moat Score: 3/10 (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
View Full Analysis

What is First Northern Community Bancorp Moat Score?

First Northern Community Bancorp FNRN -0.51% 57 Moat Score is 3 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. Among 1,610 Banks companies, First Northern Community Bancorp ranks better than 74.53% on this metric.

First Northern Community Bancorp has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

First Northern Community Bancorp has No Moat: First Northern Community Bancorp operates in a competitive banking environment with limited differentiation and lacks significant cost advantages, network effects, or regulatory barriers.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes First Northern Community Bancorp might have No Moat - Very weak/transient advantages.

First Northern Community Bancorp  (NAS:FNRN) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

First Northern Community Bancorp Moat Score Related Terms

FNRN vs WNEB, CCFN, FUNC: Moat Score Comparison

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

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

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


FNRN
57GF Score
First Northern Community Bancorp FNRN
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
First Northern Community Bancorp (FNRN) has a Moat Score of 3 as of Jul. 08, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, First Northern Community Bancorp ranks #410 out of 1610 companies in the Banks industry, placing it in the top 25.5%.
Is First Northern Community Bancorp's Moat Score too high?
First Northern Community Bancorp's current Moat Score is 3. Based on the distribution chart, First Northern Community Bancorp ranks #410 out of 1610 companies in the Banks industry, which is above 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 Moat Score compare to WNEB and CCFN?
According to the Banks industry distribution chart, First Northern Community Bancorp ranks #410 out of 1610 companies for Moat Score. This puts First Northern Community Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. First Northern Community Bancorp's current Moat Score is 3. 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 Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For First Northern Community Bancorp (FNRN), the current Moat Score is 3 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:

  • Moat Score: 3
  • 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

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

$17.61
Price
$9.98
GF Value