Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
First Northern Community BancorpFNRN +0.88%51 Return-on-Tangible-Asset is 1.23% as of Mar. 2026, which is 32% above its 10-year median of 0.93. GuruFocus rates FNRN with a GF Score™ of 51/100 and a GF Value™ of $10.02 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,528 Banks companies, First Northern Community Bancorp ranks better than 63.35% on this metric.
The historical rank and industry rank for First Northern Community Bancorp's Return-on-Tangible-Asset or its related term are showing as below:
FNRN'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.73 Med: 0.93 Max: 1.23
Current: 1.23
During the past 13 years, First Northern Community Bancorp's highest Return-on-Tangible-Asset was 1.23%. The lowest was 0.73%. And the median was 0.93%.
FNRN's Return-on-Tangible-Asset is ranked better than 63.35% of 1528
companies
in the Banks industry
Industry Median: 1.005
vs FNRN: 1.23
First Northern Community Bancorp (NAS:FNRN) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
First Northern Community Bancorp Return-on-Tangible-Asset Related Terms
First Northern Community Bancorp Return-on-Tangible-Asset 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 Return-on-Tangible-Asset Chart
FNRN vs FDBC, NASB, CCFN: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, First Northern Community Bancorp's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, First Northern Community Bancorp's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where First Northern Community Bancorp's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.23% mean?
First Northern Community Bancorp (FNRN) has a Return-on-Tangible-Asset of 1.23% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on First Northern Community Bancorp and its competitors. This is 32% above median its historical median of 0.93. Over the past decade, First Northern Community Bancorp's Return-on-Tangible-Asset has ranged from 0.73 to 1.23. According to the industry distribution chart, First Northern Community Bancorp ranks #560 out of 1528 companies in the Banks industry, placing it in the top 36.6%.
Is First Northern Community Bancorp's Return-on-Tangible-Asset too high?
First Northern Community Bancorp's current Return-on-Tangible-Asset of 1.23% is 32% above median its 10-year median of 0.93. Over the past 10 years, this metric has ranged from a low of 0.73 to a high of 1.23. The Banks industry median Return-on-Tangible-Asset is 1.01. First Northern Community Bancorp's value of 1.23% is 22.4% above this industry median. Based on the distribution chart, First Northern Community Bancorp ranks #560 out of 1528 companies in the Banks industry, which is above the industry midpoint. Overall, First Northern Community Bancorp has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Northern Community Bancorp's Return-on-Tangible-Asset compare to FDBC and NASB?
According to the Banks industry distribution chart, First Northern Community Bancorp ranks #560 out of 1528 companies for Return-on-Tangible-Asset. This puts First Northern Community Bancorp in the upper half of its industry. The industry median Return-on-Tangible-Asset is 1.01. First Northern Community Bancorp's value of 1.23% is 22.4% above this benchmark. Historically, First Northern Community Bancorp's own Return-on-Tangible-Asset has ranged from 0.73 to 1.23 over the past decade. While the company's 10-year median is 0.93 vs. the industry median of 1.01, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.01, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Northern Community Bancorp's current Return-on-Tangible-Asset of 1.23% is 22.4% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on First Northern Community Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Northern Community Bancorp's current Return-on-Tangible-Asset is 1.23%, which is 32% above median its own 10-year median of 0.93. 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 $10.02, compared to a current price of $18.39 — trading 83.5% above its estimated fair value. The current Return-on-Tangible-Asset is 1.23%, which is 32% above median its 10-year median of 0.93 and 22.4% above the Banks industry median of 1.01. First Northern Community Bancorp's overall GF Score™ is 51/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For First Northern Community Bancorp (FNRN), the current Return-on-Tangible-Asset is 1.23% 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 $18.39 is trading 83.5% above its estimated GF Value™ of $10.02.
GuruFocus considers First Northern Community Bancorp to be Significantly Overvalued.
Key valuation signals for FNRN:
Return-on-Tangible-Asset: 1.23% (32% above median its 10-year median of 0.93)
GF Value™: $10.02 vs. price of $18.39 (83.5% above fair value)
Industry Position: 22.4% above the Banks median (#560 of 1528)
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 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.
51GF Score
Get the complete analysis for FNRN
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FNRN has been successfully added to your 
