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FNRN (First Northern Community Bancorp) PB Ratio : 0.94 (As of Apr. 03, 2025)


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What is First Northern Community Bancorp PB Ratio?

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2025-04-03), First Northern Community Bancorp's share price is $9.85. First Northern Community Bancorp's Book Value per Share for the quarter that ended in Dec. 2024 was $10.53. Hence, First Northern Community Bancorp's PB Ratio of today is 0.94.

Warning Sign:

First Northern Community Bancorp stock PB Ratio (=0.97) is close to 5-year high of 1.06.

The historical rank and industry rank for First Northern Community Bancorp's PB Ratio or its related term are showing as below:

FNRN' s PB Ratio Range Over the Past 10 Years
Min: 0.69   Med: 0.97   Max: 1.58
Current: 0.94

During the past 13 years, First Northern Community Bancorp's highest PB Ratio was 1.58. The lowest was 0.69. And the median was 0.97.

FNRN's PB Ratio is ranked worse than
54.23% of 1525 companies
in the Banks industry
Industry Median: 0.92 vs FNRN: 0.94

During the past 12 months, First Northern Community Bancorp's average Book Value Per Share Growth Rate was 7.50% per year. During the past 3 years, the average Book Value Per Share Growth Rate was 3.80% per year. During the past 5 years, the average Book Value Per Share Growth Rate was 4.00% per year. During the past 10 years, the average Book Value Per Share Growth Rate was 7.90% per year.

During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of First Northern Community Bancorp was 14.10% per year. The lowest was -1.30% per year. And the median was 7.20% per year.

Back to Basics: PB Ratio


First Northern Community Bancorp PB Ratio Historical Data

The historical data trend for First Northern Community Bancorp's PB Ratio can be seen below:

* 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.

* Premium members only.

First Northern Community Bancorp PB Ratio Chart

First Northern Community Bancorp Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.87 0.90 0.90 0.83 0.90

First Northern Community Bancorp Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.83 0.87 0.84 0.86 0.90

Competitive Comparison of First Northern Community Bancorp's PB Ratio

For the Banks - Regional subindustry, First Northern Community Bancorp's PB Ratio, along with its competitors' market caps and PB Ratio 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's PB Ratio Distribution in the Banks Industry

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

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


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First Northern Community Bancorp PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

First Northern Community Bancorp's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Dec. 2024)
=9.85/10.534
=0.94

* 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.

It can also be calculated from the numbers for the whole company:

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.


First Northern Community Bancorp  (OTCPK:FNRN) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.


Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.


First Northern Community Bancorp PB Ratio Related Terms

Thank you for viewing the detailed overview of First Northern Community Bancorp's PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


First Northern Community Bancorp Business Description

Traded in Other Exchanges
N/A
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 majority of its revenue by providing various products and services to small and middle-sized businesses and individuals.
Executives
Barbara A Hayes director 195 N 1ST STREET, DIXON CA 95620
Kevin Spink officer: EVP/CFO 195 N 1ST STREET, DIXON CA 95620
Richard M Martinez director 195 N. FIRST STREET, PO BOX 547, DIXON CA 95620
Daniel F Ramos director 195 N 1ST STREET, DIXON CA 95620
Jeremiah Zachary Smith director, officer: President/CEO/Director 195 N. FIRST STREET, P.O. BOX 547, DIXON CA 95620
Jeffrey A Adamski officer: EVP/Senior Loan Officer 195 N. FIRST STREET, P.O. BOX 547, DIXON CA 95620
Greg Dupratt director 195 N. 1ST STREET, DIXON CA 95620
T Joe Danelson officer: EVP/Chief Credit Officer 195 N FIRST STREET, DIXON CA 95620
Kimberly A Debra officer: EVP/Chief Communications Ofcr 195 N. FIRST STREET, P.O. BOX 547, DIXON CA 95620
Patrick R Brady director 195 N. FIRST STREET, PO BOX 547, DIXON CA 95620
Louise A Walker officer: SEVP/CFO 195 N. 1ST STREET, DIXON CA 95620
Mark C Schulze director 195 N 1ST STREET, DIXON CA 95620
Sean P Quinn director 195 N 1ST STREET, DIXON CA 95620
Foy S Mcnaughton director 195 N. 1ST STREET, DIXON CA 95620
Denise Burris officer: EVP/Chief Information Officer 195 N 1ST STREET, DIXON CA 95620