First Northern Community Bancorp
Relationship-based Northern California banking for local businesses and households.
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Profile
Runs a Northern California community bank that gathers deposits and makes commercial, agricultural, consumer, construction, residential-mortgage, and commercial-real-estate loans. Revenue is chiefly net interest income, with supplemental fees from banking, mortgage servicing, and investment services delivered through Raymond James.
Operates through First Northern Bank of Dixon, a California state-chartered community bank serving individuals and small- to medium-sized businesses across the Sacramento Valley and adjacent Northern California counties. Its branch-led, relationship-based model combines local decision-making with online and mobile banking, commercial and agribusiness credit, SBA lending, residential mortgages, cash management, and deposit services.
Generates most revenue from the spread between loans and interest-bearing funding, supplemented by fees from deposit services, cards, loan sales and servicing, and investment and brokerage services. Commercial real estate is the largest loan category, while long-term conforming residential mortgages are often sold with servicing retained.
Remains an independent bank holding company whose footprint and loan book are concentrated in Northern California. Operations rely on deposit retention, local property and agricultural conditions, third-party providers including Raymond James, and banking, capital, liquidity, and consumer-protection requirements.
Company facts
Categories
Key statistics
Year to date +28.2% · Average volume (30d) 109.3K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 29, 2026Q2 FY26 | — | $0.29 | — | — | $22.6M | — | −2.46% |
| Apr 29, 2026Q1 FY26 | — | $0.36 | — | — | $22.3M | — | +4.46% |
| Jan 29, 2026Q4 FY25 | — | $0.34 | — | — | $23.1M | — | −0.23% |
| Oct 29, 2025Q3 FY25 | — | $0.38 | — | — | $21.7M | — | +1.21% |
Financial highlights
| 11 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $20.5M | $21.8M | $21.7M | $23.1M | $22.3M | $22.6M | |
| Gross profit | $16.1M | $18.2M | $18.0M | $20.0M | $18.3M | $18.2M | |
| Operating income | $5.0M | $7.6M | $6.6M | $8.3M | $7.6M | $6.2M | |
| Net income | $3.7M | $5.5M | $6.0M | $6.0M | $5.9M | $4.7M | |
| Diluted EPS | $0.22 | $0.35 | $0.38 | $0.36 | $0.36 | $0.29 | |
| Gross margin | 78.5% | 83.4% | 83.0% | 86.6% | 81.8% | 80.5% | |
| Operating margin | 24.1% | 34.8% | 30.3% | 35.7% | 34.1% | 27.5% |
Fiscal years (4-quarter sums)FY24 $84.7M · FY25 $87.2M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $732.4M · Total debt $0 · Total assets $1.93B · Shareholders' equity $217.2M
Dividends
No dividends on record.
Ownership
Shares outstanding 16.41M · Float 11.91M · 72.6% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 1.05M | 6.40% | 13G | Jul 28, 2026 |
| Banc Funds Co LLC | 234.2K | 1.43% | 13F | May 14, 2026 |
| PL Capital Advisors, LLC | 38.3K | 0.23% | 13F | May 7, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 13, 2026 | Richard M. Martinez | director | −2,000 | $17.51 |
| Aug 12, 2026 | Jean-Luc Servat | director | +1,000 | $17.29 |
| Aug 11, 2026 | Mark C. Schulze | director | −1,118 | $17.40 |
| Aug 10, 2026 | Mark C. Schulze | director | −5,250 | $17.06 |
| Aug 6, 2026 | Mark C. Schulze | director | −400 | $18.11 |
Peers
- Five Star Bancorp
Sacramento business-bank rival in CRE, deposits, and agribusiness.
- TriCo Bancshares
Large Northern California relationship-bank rival for deposits and credit.
- Westamerica Bancorp
Northern California rival in business deposits, loans, and cash services.
- Wells Fargo
Large-bank threat across deposits, CRE, mortgages, payments, and wealth.
- JPMorgan Chase
Chase contests retail and business deposits with national digital scale.
- Bank of America
National rival in deposits, business credit, payments, and wealth.
- U.S. Bancorp
Sacramento bank rival for business deposits, commercial loans, and payments.
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| First Northern Community Bancorp | $17.12 | −0.06% | $280.9M | 12.3 | — | 3.1 | +3.4% |
| Five Star Bancorp | $45.62 | −0.15% | $1.10B | 13.5 | 13.1 | 4.0 | +25.1% |
| TriCo Bancshares | $53.81 | −0.01% | $1.73B | 12.9 | 12.4 | 3.2 | +9.9% |
| Westamerica Bancorp | $58.07 | −0.08% | $1.36B | 12.8 | 12.5 | 5.1 | −2.5% |
| Wells Fargo | $86.69 | +0.01% | $262.12B | 12.5 | 11.6 | 2.0 | +8.6% |
| JPMorgan Chase | $357.66 | +0.05% | $958.25B | 15.4 | 14.8 | 3.2 | +27.8% |
| Bank of America | $62.30 | −0.04% | $442.26B | 14.4 | 12.7 | 2.3 | +19.3% |
| U.S. Bancorp | $62.47 | +0.01% | $97.31B | 12.5 | 11.5 | 2.2 | +10.6% |
| Median | 12.9 | 12.5 | 3.2 | +10.6% |