ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. First Northern Community Bancorp's annualizedNet Income for the quarter that ended in Mar. 2026 was $23.62 Mil.
First Northern Community Bancorp's average Total Assets over the quarter that ended in Mar. 2026 was $1,917.75 Mil. Therefore, First Northern Community Bancorp's annualized ROA % for the quarter that ended in Mar. 2026 was 1.23%.
FNRN'
s ROA % 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 ROA % was 1.23%. The lowest was 0.73%. And the median was 0.93%.
FNRN's ROA % is ranked better than 66.19% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs FNRN: 1.23
First Northern Community Bancorp (NAS:FNRN) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
First Northern Community Bancorp ROA % Related Terms
First Northern Community Bancorp ROA % 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.
For the Banks - Regional subindustry, First Northern Community Bancorp's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, First Northern Community Bancorp's ROA % distribution charts can be found below:
* The bar in red indicates where First Northern Community Bancorp's ROA % 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 ROA %, the net income of the last fiscal year and the average total 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.
ROA % is displayed in the 30-year financial page.
First Northern Community Bancorp (FNRN) has a ROA % of 1.23% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total 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 ROA % has ranged from 0.73 to 1.23. According to the industry distribution chart, First Northern Community Bancorp ranks #517 out of 1529 companies in the Banks industry, placing it in the top 33.8%.
Is First Northern Community Bancorp's ROA % too high?
First Northern Community Bancorp's current ROA % 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 ROA % is 0.98. First Northern Community Bancorp's value of 1.23% is 25.5% above this industry median. Based on the distribution chart, First Northern Community Bancorp ranks #517 out of 1529 companies in the Banks industry, which is above 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 ROA % compare to WNEB and CCFN?
According to the Banks industry distribution chart, First Northern Community Bancorp ranks #517 out of 1529 companies for ROA %. This puts First Northern Community Bancorp in the upper half of its industry. The industry median ROA % is 0.98. First Northern Community Bancorp's value of 1.23% is 25.5% above this benchmark. Historically, First Northern Community Bancorp's own ROA % 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 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Northern Community Bancorp's current ROA % of 1.23% is 25.5% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on First Northern Community Bancorp and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Northern Community Bancorp's current ROA % 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 $9.98, compared to a current price of $17.61 — trading 76.5% above its estimated fair value. The current ROA % is 1.23%, which is 32% above median its 10-year median of 0.93 and 25.5% above the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For First Northern Community Bancorp (FNRN), the current ROA % 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 $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:
ROA %: 1.23% (32% above median its 10-year median of 0.93)
GF Value™: $9.98 vs. price of $17.61 (76.5% above fair value)
Industry Position: 25.5% above the Banks median (#517 of 1529)
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
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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