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First Northern Community Bancorp (FNRN) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · First Northern Community Bancorp (FNRN) Q3 2026 earnings results →

Q3 2026 Revenue up 14% year over year to $21.0M · 30¢ of every $1 of revenue kept as net profit · operating margin 39.5%

First Northern Community Bancorp made $21.0M in Q3 2026 (+14% Y/Y): Net interest income $19.4M, Noninterest income $1.6M. Operating margin 39.5%, net earnings $6.2M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.

Revenue$21.0M
Year over year+14%
Operating margin39.5%
Net earnings$6.2M
Operating cash flow$4.7M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $21.0M in Q3 2026, up 13% year over year and up 12% from the previous quarter. Net interest income was the largest line at 92% of revenue. Net interest income added $2.5M year over year (up 15%), 101% of the total change. Noninterest income declined 1%.

Operating profit was $8.3M, a 39.5% margin (up 3.9 points year over year). Of the extra revenue versus a year earlier, 69% reached operating profit, above the 36% margin then. Total costs grew 7% against revenue growth of 13%. Net earnings were $6.2M, up 3% year over year. The effective tax rate was 25.2%.

Operating cash flow was $4.7M, 75% of net earnings. Non-cash charges added back $510K of depreciation and amortization and $256K of share-based compensation. Working capital and other items used $2.3M. Capital expenditures of $790K left free cash flow of $3.9M.

Quarterly history

QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 6, 2026$21.0M+14%39.5%$6.2M$4.7M

Charts

First Northern Community Bancorp: where the cash came from (+) and went (−), TTM to Q3 2026First Northern Community Bancorp: where the cash came from (+) and went (−), TTM to Q3 2026Other investing−$113MOther financing$74.2MCash drawn (+) / kept (−)$26.3MOperating cash flow$20.0MBuybacks−$4.7MCapital spending−$2.3M
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
First Northern Community Bancorp: profit against cash, quarter by quarterFirst Northern Community Bancorp: profit against cash, quarter by quarterNet incomeOperating cash flow$5.8M$6.3MQ4 2024$3.7M$3.4MQ1 2025$5.5M$2.5MQ2 2025$6.0M−$6.6MQ3 2025$6.0M$7.6MQ4 2025$5.9M$4.3MQ1 2026$4.7M$3.5MQ2 2026$6.2M$4.7MQ3 2026
Latest (Q3 2026): Net income $6.2M, Operating cash flow $4.7M.
First Northern Community Bancorp: diluted shares by fiscal yearFirst Northern Community Bancorp: diluted shares by fiscal year14MFY202015MFY202115MFY202216MFY202317MFY202417MFY2025
+16.4% since FY2020: more shares outstanding (issuance, stock pay).
First Northern Community Bancorp in its industry: growth against margin (18 companies, SIC 6035)First Northern Community Bancorp in its industry: growth against margin (18 companies, SIC 6035)revenue growth, year over year →↑ operating marginmedian +12%median 35%AXEBCBKUPFSNRIMHTBKRNYPDLBFMAOBCBPWNEBFCAPPROVBYFCKFFBNSTSMGNOFNRN (+14%, 40%)
Savings Institution, Federally Chartered; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About First Northern Community Bancorp

First Northern Community Bancorp (the “Company”) is a bank holding company registered under the Bank Holding Company Act of 1956, as amended (“BHCA”). Its legal headquarters and principal administrative offices are located at 195 N. First Street, Dixon, CA 95620 and its telephone number is (707) 678-3041. The Company provides a full range of community banking services to individual and corporate customers throughout the California Counties of Solano, Yolo, Placer, and Sacramento as well as portions of El Dorado County through its wholly-owned subsidiary bank, First Northern Bank of Dixon (“First Northern” or the “Bank”). The Company’s operating policy since inception has emphasized the banking needs of individuals and small- to medium-sized businesses.

In its own words, from its 10-K, filed Mar 13, 2026.

First Northern Community Bancorp against its Savings Institution, Federally Chartered peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +14% against the peers' median +8%. Operating margin: 39.5% against the peers' median 37.1%.

CompanyQuarterRevenueY/YOp. margin
FNRN First Northern Community BancorpQ3 2026$21.0M+14%39.5%
AX Axos FinancialQ1 FY27$395M+22%44.3%
EBC Eastern BanksharesQ3 2026$307M+27%45.7%
BKU BankUnitedQ3 2026$280M+2%34.6%
PFS Provident Financial ServicesQ3 2026$239M+8%38.8%
NRIM Northrim BancorpQ3 2026$69.9M-9%26.8%
HTB HomeTrust BancsharesQ3 2026$55.5M+3%37.1%
KRNY Kearny FinancialQ1 FY27$45.3M+4%28.0%
PDLB Ponce Financial GroupQ3 2026$34.8M+30%35.5%

Source: First Northern Community Bancorp 10-Q on SEC EDGAR · CIK 1114927 · Savings Institution, Federally Chartered

13F: who owns FNRN and who is buying

Largest holders of FNRN (13F)Largest holders of FNRN (13F)Fourthstone LLC$20.6MBlackRock$18.9MVanguard Capital Management LLC$11.6MFocus Partners Advisor Solutions,…$6.9MGeode Capital Management, LLC$6.4MAlliancebernstein L.P.$4.8MState Street$3.2MNorthern Trust$2.1MVanguard Fiduciary Trust$1.8MVanguard Portfolio Management LLC$1.8M
Funds' net buying of FNRN by quarter (13F)Funds' net buying of FNRN by quarter (13F)−$103K2024-09$02024-12$428K2025-03−$1.6M2025-06−$3.3M2025-09−$1.6M2025-12−$1.0M2026-03$91.5M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on FNRN

History

Every quarter: Q3 2026 results

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中文版：First Northern Community Bancorp（FNRN）财报

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