Filing Flows › First Northern Community Bancorp (FNRN) › Q3 2026 › vs Q3 2025
First Northern Community Bancorp (FNRN) Q3 2026 vs Q3 2025 (year over year)
First Northern Community Bancorp's revenue rose $2.5M (+13%) from $18.5M in Q3 2025 to $21.0M in Q3 2026. The biggest changes: Net interest income +$2.5M (+15%); Noninterest income −$22K (-1%). Operating margin 39.5% against 35.6% (+3.9 pts).
First Northern Community Bancorp, Q3 2026: revenue $21.0M (+14% year over year), operating margin 39.5%, net earnings $6.2M, operating cash flow $4.7M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 39.5% | 35.6% | +3.9 pts |
| Net margin | 29.5% | 32.5% | -3.0 pts |
| Free cash flow margin | 18.4% | -40.4% | +58.9 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $19.4M | $16.8M | $2.5M | +15% |
| Noninterest income | $1.6M | $1.7M | −$22K | -1% |
| Revenue | $21.0M | $18.5M | $2.5M | +13% |
| Operating profit | $8.3M | $6.6M | $1.7M | +26% |
| Costs & expenses | $12.7M | $11.9M | $783K | +7% |
| Pre-tax earnings | $8.3M | $6.6M | $1.7M | +26% |
| Net earnings | $6.2M | $6.0M | $189K | +3% |
| Income tax | $2.1M | $569K | $1.5M | +268% |
| Depreciation & amortization | $510K | $431K | $79K | +18% |
| Share-based compensation | $256K | $257K | −$1K | -0.4% |
| Working capital & other | $2.3M | $13.3M | −$11.0M | -83% |
| Operating cash flow | $4.7M | −$6.6M | $11.3M | — |
| Free cash flow (OCF − capex) | $3.9M | −$7.5M | $11.4M | — |
| Capital expenditures | $790K | $838K | −$48K | -6% |
Questions
How much did First Northern Community Bancorp's revenue grow year over year in Q3 2026?
First Northern Community Bancorp's revenue rose $2.5M (+13%) from $18.5M in Q3 2025 to $21.0M in Q3 2026.
What drove First Northern Community Bancorp's revenue change in Q3 2026?
Net interest income +$2.5M (+15%); Noninterest income −$22K (-1%).