What is First Northern Community Bancorp Net Margin %?
First Northern Community BancorpFNRN -0.51%57 Net Margin % is 31.77% as of Mar. 2026, which is 22% above its 10-year median of 25.99. 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 1,527 Banks companies, First Northern Community Bancorp ranks better than 65.09% on this metric.
The historical rank and industry rank for First Northern Community Bancorp's Net Margin % or its related term are showing as below:
FNRN'
s Net Margin % Range Over the Past 10 Years
Min: 18.59 Med: 25.99 Max: 31.13
Current: 31.13
FNRN's Net Margin % is ranked better than 65.09% of 1527
companies
in the Banks industry
Industry Median: 26.82
vs FNRN: 31.13
First Northern Community Bancorp (NAS:FNRN) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
First Northern Community Bancorp Net Margin % Related Terms
First Northern Community Bancorp Net Margin % 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 Net Margin % Chart
For the Banks - Regional subindustry, First Northern Community Bancorp's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Northern Community Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where First Northern Community Bancorp's Net Margin % 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 Net Margin % of 31.77% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on First Northern Community Bancorp and its competitors. This is 22% above median its historical median of 25.99. Over the past decade, First Northern Community Bancorp's Net Margin % has ranged from 18.59 to 31.13. According to the industry distribution chart, First Northern Community Bancorp ranks #533 out of 1527 companies in the Banks industry, placing it in the top 34.9%.
Is First Northern Community Bancorp's Net Margin % too high?
First Northern Community Bancorp's current Net Margin % of 31.77% is 22% above median its 10-year median of 25.99. Over the past 10 years, this metric has ranged from a low of 18.59 to a high of 31.13. The Banks industry median Net Margin % is 26.82. First Northern Community Bancorp's value of 31.77% is 18.5% above this industry median. Based on the distribution chart, First Northern Community Bancorp ranks #533 out of 1527 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 Net Margin % compare to WNEB and CCFN?
According to the Banks industry distribution chart, First Northern Community Bancorp ranks #533 out of 1527 companies for Net Margin %. This puts First Northern Community Bancorp in the upper half of its industry. The industry median Net Margin % is 26.82. First Northern Community Bancorp's value of 31.77% is 18.5% above this benchmark. Historically, First Northern Community Bancorp's own Net Margin % has ranged from 18.59 to 31.13 over the past decade. While the company's 10-year median is 25.99 vs. the industry median of 26.82, First Northern Community Bancorp has consistently been above 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.82, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Northern Community Bancorp's current Net Margin % of 31.77% is 18.5% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on First Northern Community Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Northern Community Bancorp's current Net Margin % is 31.77%, which is 22% above median its own 10-year median of 25.99. 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 Net Margin % is 31.77%, which is 22% above median its 10-year median of 25.99 and 18.5% above the Banks industry median of 26.82. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For First Northern Community Bancorp (FNRN), the current Net Margin % is 31.77% as of Mar. 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:
Net Margin %: 31.77% (22% above median its 10-year median of 25.99)
GF Value™: $9.98 vs. price of $17.61 (76.5% above fair value)
Industry Position: 18.5% above the Banks median (#533 of 1527)
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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