Filing Flows › First Northern Community Bancorp (FNRN) › Q3 2026
First Northern Community Bancorp (FNRN) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
First Northern Community Bancorp (FNRN) reported revenue of $21.0M for the third quarter 2026 (Q3 2026), +13% from a year earlier and +12% from the quarter before. Operating margin was 39.5%, net earnings $6.2M (29.5% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $21.0M | +12% | +13% |
| Operating profit | $8.3M | +33% | +26% |
| Net earnings | $6.2M | +31% | +3% |
| Operating cash flow | $4.7M | +34% | — |
| Free cash flow | $3.9M | +33% | — |
What changed
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.
Questions
What was First Northern Community Bancorp's revenue in the third quarter 2026?
First Northern Community Bancorp (FNRN) reported revenue of $21.0M for the third quarter 2026 (Q3 2026), +13% from a year earlier and +12% from the quarter before.
Was First Northern Community Bancorp profitable in the third quarter 2026?
Operating profit was $8.3M (39.5% of revenue) and net earnings $6.2M.