The historical rank and industry rank for First Northern Community Bancorp's Return-on-Tangible-Equity or its related term are showing as below:
FRA:VW8'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 8.66 Med: 11.41 Max: 15.56
Current: 11.74
During the past 13 years, First Northern Community Bancorp's highest Return-on-Tangible-Equity was 15.56%. The lowest was 8.66%. And the median was 11.41%.
FRA:VW8's Return-on-Tangible-Equity is ranked better than 53.22% of 1522
companies
in the Banks industry
Industry Median: 11.19
vs FRA:VW8: 11.74
First Northern Community Bancorp (FRA:VW8) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
First Northern Community Bancorp Return-on-Tangible-Equity Related Terms
First Northern Community Bancorp Return-on-Tangible-Equity 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-Equity Chart
FRA:VW8 vs WNEB, CCFN, FUNC: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, First Northern Community Bancorp's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, First Northern Community Bancorp's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where First Northern Community Bancorp's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 11.42% mean?
First Northern Community Bancorp (FRA:VW8) has a Return-on-Tangible-Equity of 11.42% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on First Northern Community Bancorp and its competitors. This is near median its historical median of 11.41. Over the past decade, First Northern Community Bancorp's Return-on-Tangible-Equity has ranged from 8.66 to 15.56. According to the industry distribution chart, First Northern Community Bancorp ranks #712 out of 1522 companies in the Banks industry, placing it in the top 46.8%.
Is First Northern Community Bancorp's Return-on-Tangible-Equity too high?
First Northern Community Bancorp's current Return-on-Tangible-Equity of 11.42% is near median its 10-year median of 11.41. Over the past 10 years, this metric has ranged from a low of 8.66 to a high of 15.56. The Banks industry median Return-on-Tangible-Equity is 11.19. First Northern Community Bancorp's value of 11.42% is 2.1% above this industry median. Based on the distribution chart, First Northern Community Bancorp ranks #712 out of 1522 companies in the Banks industry, which is above 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 Return-on-Tangible-Equity compare to WNEB and CCFN?
According to the Banks industry distribution chart, First Northern Community Bancorp ranks #712 out of 1522 companies for Return-on-Tangible-Equity. This puts First Northern Community Bancorp in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.19. First Northern Community Bancorp's value of 11.42% is 2.1% above this benchmark. Historically, First Northern Community Bancorp's own Return-on-Tangible-Equity has ranged from 8.66 to 15.56 over the past decade. While the company's 10-year median is 11.41 vs. the industry median of 11.19, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 11.42% is 2.1% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on First Northern Community Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — 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-Equity is 11.42%, which is near median its own 10-year median of 11.41. 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 Return-on-Tangible-Equity of 11.42%. 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 Return-on-Tangible-Equity is 11.42%, which is near median its 10-year median of 11.41 and 2.1% above the Banks industry median of 11.19. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For First Northern Community Bancorp (FRA:VW8), the current Return-on-Tangible-Equity is 11.42% 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 (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:
Return-on-Tangible-Equity: 11.42% (near median its 10-year median of 11.41)
GF Value™: €8.33 vs. price of €14.78 (77.4% above fair value)
Industry Position: 2.1% above the Banks median (#712 of 1522)
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
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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Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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