FNRN (First Northern Community Bancorp) ROE % Adjusted to Book Value: 9.10% (As of Mar. 2026)


FNRN First Northern Community Bancorp FNRN
57 GF Score
Price $17.62
GF Value $9.98
Valuation Significantly Overvalued
! 6 Warning Signs
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What is First Northern Community Bancorp ROE % Adjusted to Book Value?

First Northern Community Bancorp FNRN -0.51% 57 ROE % Adjusted to Book Value is 9.10% as of Mar. 2026. 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.

First Northern Community Bancorp's ROE % for the quarter that ended in Mar. 2026 was 11.10%. First Northern Community Bancorp's PB Ratio for the quarter that ended in Mar. 2026 was 1.22. First Northern Community Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 9.10%.

First Northern Community Bancorp ROE % Adjusted to Book Value Related Terms

First Northern Community Bancorp ROE % Adjusted to Book Value Historical Data

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The historical data trend for First Northern Community Bancorp's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

First Northern Community Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10.46 12.79 18.27 13.88 10.56

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
ROE % Adjusted to Book Value 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 9.38 14.47 12.29 11.14 9.10

FNRN vs WNEB, CCFN, FUNC: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, First Northern Community Bancorp's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, First Northern Community Bancorp's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where First Northern Community Bancorp's ROE % Adjusted to Book Value falls into.


FNRN
57GF Score
First Northern Community Bancorp FNRN
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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First Northern Community Bancorp ROE % Adjusted to Book Value Calculation

First Northern Community Bancorp's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=10.88% / 1.03
=10.56%

First Northern Community Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=11.10% / 1.22
=9.10%

* 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.

What does a ROE % Adjusted to Book Value of 9.10% mean?
First Northern Community Bancorp (FNRN) has a ROE % Adjusted to Book Value of 9.10% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on First Northern Community Bancorp and its competitors.
Is First Northern Community Bancorp's ROE % Adjusted to Book Value too high?
First Northern Community Bancorp's current ROE % Adjusted to Book Value is 9.10%. 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 ROE % Adjusted to Book Value compare to WNEB and CCFN?
First Northern Community Bancorp's ROE % Adjusted to Book Value of 9.10% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on First Northern Community Bancorp and its competitors. First Northern Community Bancorp's current ROE % Adjusted to Book Value is 9.10%. 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 $17.62 — trading 76.5% above its estimated fair value. The current ROE % Adjusted to Book Value is 9.10%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For First Northern Community Bancorp (FNRN), the current ROE % Adjusted to Book Value is 9.10% 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 $17.62 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:

  • ROE % Adjusted to Book Value: 9.10%
  • GF Value™: $9.98 vs. price of $17.62 (76.5% above fair value)
  • GF Score™: 57/100 with 6 warning signs

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

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.62
Price
$9.98
GF Value