FNRN (First Northern Community Bancorp) PB Ratio: 1.35 (As of Jul. 08, 2026) — 36% Above Median


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 PB Ratio?

First Northern Community Bancorp FNRN -0.51% 57 PB Ratio is 1.35 as of Jul. 08, 2026, which is 36% above its 10-year median of 0.99. 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 1,517 Banks companies, First Northern Community Bancorp ranks worse than 69.28% on this metric.

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 (2026-07-08), First Northern Community Bancorp's share price is $17.61. First Northern Community Bancorp's Book Value per Share for the quarter that ended in Mar. 2026 was $13.03. Hence, First Northern Community Bancorp's PB Ratio of today is 1.35.

Warning Sign:

First Northern Community Bancorp stock PB Ratio (=1.36) is close to 5-year high of 1.41.

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: 0.99   Max: 1.58
Current: 1.35

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 0.99.

FNRN's PB Ratio is ranked worse than
69.28% of 1517 companies
in the Banks industry
Industry Median: 1.1 vs FNRN: 1.35

During the past 12 months, First Northern Community Bancorp's average Book Value Per Share Growth Rate was 15.80% per year. During the past 3 years, the average Book Value Per Share Growth Rate was 18.60% per year. During the past 5 years, the average Book Value Per Share Growth Rate was 7.30% per year. During the past 10 years, the average Book Value Per Share Growth Rate was 8.50% per year.

During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of First Northern Community Bancorp was 18.60% 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  (NAS: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


First Northern Community Bancorp PB Ratio Historical Data

* Premium members only.

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.

First Northern Community Bancorp PB Ratio Chart

First Northern Community Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.90 0.90 0.83 0.86 1.03

First Northern Community Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 0.86 0.79 0.98 1.03 1.22

FNRN vs WNEB, CCFN, FUNC: PB Ratio Comparison

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 PB Ratio vs 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.


FNRN
57GF Score
First Northern Community Bancorp FNRN
PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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: Mar. 2026)
=17.61/13.029
=1.35

* 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.

Frequently Asked Questions Learn more about PB Ratio →
What does a PB Ratio of 1.35 mean?
First Northern Community Bancorp (FNRN) has a PB Ratio of 1.35 as of Jul. 08, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on First Northern Community Bancorp and its competitors. This is 36% above median its historical median of 0.99. Over the past decade, First Northern Community Bancorp's PB Ratio has ranged from 0.69 to 1.58. According to the industry distribution chart, First Northern Community Bancorp ranks #1051 out of 1517 companies in the Banks industry, placing it in the top 69.3%.
Is First Northern Community Bancorp's PB Ratio too high?
First Northern Community Bancorp's current PB Ratio of 1.35 is 36% above median its 10-year median of 0.99. Over the past 10 years, this metric has ranged from a low of 0.69 to a high of 1.58. The Banks industry median PB Ratio is 1.10. First Northern Community Bancorp's value of 1.35 is 22.7% above this industry median. Based on the distribution chart, First Northern Community Bancorp ranks #1051 out of 1517 companies in the Banks industry, which is below 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 PB Ratio compare to WNEB and CCFN?
According to the Banks industry distribution chart, First Northern Community Bancorp ranks #1051 out of 1517 companies for PB Ratio. This places First Northern Community Bancorp in the lower half of its industry. The industry median PB Ratio is 1.10. First Northern Community Bancorp's value of 1.35 is 22.7% above this benchmark. Historically, First Northern Community Bancorp's own PB Ratio has ranged from 0.69 to 1.58 over the past decade. While the company's 10-year median is 0.99 vs. the industry median of 1.10, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Northern Community Bancorp's current PB Ratio of 1.35 is 22.7% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on First Northern Community Bancorp and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Northern Community Bancorp's current PB Ratio is 1.35, which is 36% above median its own 10-year median of 0.99. 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 PB Ratio is 1.35, which is 36% above median its 10-year median of 0.99 and 22.7% above the Banks industry median of 1.10. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For First Northern Community Bancorp (FNRN), the current PB Ratio is 1.35 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:

  • PB Ratio: 1.35 (36% above median its 10-year median of 0.99)
  • GF Value™: $9.98 vs. price of $17.61 (76.5% above fair value)
  • GF Score™: 57/100 with 6 warning signs
  • Industry Position: 22.7% above the Banks median (#1051 of 1517)

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

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

$17.61
Price
$9.98
GF Value