First Northern Community Bancorp (FRA:VW8) PS Ratio: 4.11 (As of Jul. 08, 2026) — 64% Above Median


FRA:VW8 First Northern Community Bancorp FRA:VW8
57 GF Score
Price €14.78
GF Value €8.33
! 6 Warning Signs
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What is First Northern Community Bancorp PS Ratio?

First Northern Community Bancorp FRA:VW8 -0.27% 57 PS Ratio is 4.11 as of Jul. 08, 2026, which is 64% above its 10-year median of 2.50. GuruFocus rates FRA:VW8 with a GF Score™ of 57/100 and a GF Value™ of €8.33. The stock has 6 warning signs investors should review. Among 1,517 Banks companies, First Northern Community Bancorp ranks worse than 74.49% on this metric.

The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, First Northern Community Bancorp's share price is €14.78. First Northern Community Bancorp's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was €3.60. Hence, First Northern Community Bancorp's PS Ratio for today is 4.11.

Warning Sign:

First Northern Community Bancorp stock PS Ratio (=4.23) is close to 10-year high of 4.39.

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

FRA:VW8' s PS Ratio Range Over the Past 10 Years
Min: 1.56   Med: 2.5   Max: 4.39
Current: 4.23

During the past 13 years, First Northern Community Bancorp's highest PS Ratio was 4.39. The lowest was 1.56. And the median was 2.50.

FRA:VW8's PS Ratio is ranked worse than
74.49% of 1517 companies
in the Banks industry
Industry Median: 3.02 vs FRA:VW8: 4.23

First Northern Community Bancorp's Revenue per Sharefor the three months ended in Mar. 2026 was €0.98. Its Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was €3.60.

Good Sign:

First Northern Community Bancorp has shown predictable revenue and earnings growth.

During the past 12 months, the average Revenue per Share Growth Rate of First Northern Community Bancorp was 6.50% per year. During the past 3 years, the average Revenue per Share Growth Rate was 6.80% per year. During the past 5 years, the average Revenue per Share Growth Rate was 4.90% per year. During the past 10 years, the average Revenue per Share Growth Rate was 5.60% per year.

During the past 13 years, First Northern Community Bancorp's highest 3-Year average Revenue per Share Growth Rate was 17.00% per year. The lowest was -4.50% per year. And the median was 5.50% per year.

Back to Basics: PS Ratio


First Northern Community Bancorp  (FRA:VW8) PS Ratio Explanation

The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.

When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.

Similar to the PE Ratio or Price-to-Operating-Cash-Flow or Price-to-Free-Cash-Flow , the PS Ratio measures the valuation based on the earning power of the company. This is where it is different from the PB Ratio , which measures the valuation based on the company's balance sheet.


Be Aware

The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.


First Northern Community Bancorp PS Ratio Related Terms


First Northern Community Bancorp PS Ratio Historical Data

* Premium members only.

The historical data trend for First Northern Community Bancorp's PS 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 PS Ratio Chart

First Northern Community Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.56 2.01 1.97 2.40 3.16

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
PS 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 2.47 2.31 2.95 3.16 3.80

FRA:VW8 vs WNEB, CCFN, FUNC: PS Ratio Comparison

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

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

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


FRA:VW8
57GF Score
First Northern Community Bancorp FRA:VW8
PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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First Northern Community Bancorp PS Ratio Calculation

The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.

First Northern Community Bancorp's PS Ratio for today is calculated as

PS Ratio=Share Price/Revenue per Share (TTM)
=14.78/3.6
=4.11

First Northern Community Bancorp's Share Price of today is €14.78.
First Northern Community Bancorp's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €3.60.

* 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:

PS Ratio=Market Cap/Revenue

The Revenue here is for the trailing 12 months.

Frequently Asked Questions Learn more about PS Ratio →
What does a PS Ratio of 4.11 mean?
First Northern Community Bancorp (FRA:VW8) has a PS Ratio of 4.11 as of Jul. 08, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on First Northern Community Bancorp and its competitors. This is 64% above median its historical median of 2.50. Over the past decade, First Northern Community Bancorp's PS Ratio has ranged from 1.56 to 4.39. According to the industry distribution chart, First Northern Community Bancorp ranks #1130 out of 1517 companies in the Banks industry, placing it in the top 74.5%.
Is First Northern Community Bancorp's PS Ratio too high?
First Northern Community Bancorp's current PS Ratio of 4.11 is 64% above median its 10-year median of 2.50. Over the past 10 years, this metric has ranged from a low of 1.56 to a high of 4.39. The Banks industry median PS Ratio is 3.02. First Northern Community Bancorp's value of 4.11 is 36.1% above this industry median. Based on the distribution chart, First Northern Community Bancorp ranks #1130 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, reflecting its overall financial health beyond just this single metric.
How does First Northern Community Bancorp's PS Ratio compare to WNEB and CCFN?
According to the Banks industry distribution chart, First Northern Community Bancorp ranks #1130 out of 1517 companies for PS Ratio. This places First Northern Community Bancorp in the lower half of its industry. The industry median PS Ratio is 3.02. First Northern Community Bancorp's value of 4.11 is 36.1% above this benchmark. Historically, First Northern Community Bancorp's own PS Ratio has ranged from 1.56 to 4.39 over the past decade. While the company's 10-year median is 2.50 vs. the industry median of 3.02, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.02, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Northern Community Bancorp's current PS Ratio of 4.11 is 36.1% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on First Northern Community Bancorp and its competitors. For the Banks industry, the median PS Ratio is 3.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Northern Community Bancorp's current PS Ratio is 4.11, which is 64% above median its own 10-year median of 2.50. 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?
First Northern Community Bancorp (FRA:VW8) has a current PS Ratio of 4.11. The stock's GF Value™ is €8.33, compared to a current price of €14.78 — trading 77.4% above its estimated fair value. The current PS Ratio is 4.11, which is 64% above median its 10-year median of 2.50 and 36.1% above the Banks industry median of 3.02. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For First Northern Community Bancorp (FRA:VW8), the current PS Ratio is 4.11 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 (FRA:VW8) Overvalued in 2026?

Based on GuruFocus' analysis, First Northern Community Bancorp stock appears to be overvalued. The current stock price of €14.78 is trading 77.4% above its estimated GF Value™ of €8.33.

Key valuation signals for FRA:VW8:

  • PS Ratio: 4.11 (64% above median its 10-year median of 2.50)
  • GF Value™: €8.33 vs. price of €14.78 (77.4% above fair value)
  • GF Score™: 57/100 with 6 warning signs
  • Industry Position: 36.1% above the Banks median (#1130 of 1517)

No single metric tells the full story. See the FRA:VW8 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


First Northern Community Bancorp Business Description

Other Exchanges FNRN:USA
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 FRA:VW8

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

€14.78
Price
€8.33
GF Value