FIRST NORTHERN COMMUNITY BANCORP
FNRN · Savings Institution, Federally Chartered · 16.4M shares · +4%/yr ↑ shares · EDGAR filings ↗
Net buyback after stock comp: $3M (gross $4M, SBC $846K)
Reference price $17.69 · est. market cap ~$290M — last insider sale, 2026-05-15 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
B70First Northern Community Bancorp — California bank with solid returns, no debt.
Strengths
- ROE 10% (88th pct), ROA (82nd), no debt (13th)
Risks
- California agricultural/regional concentration
- Rate sensitivity
Notable findings
- Exec changeRecent 8-K item 5.02 8-K ↗
- Strong balance sheetStrong balance sheet — $146M cash & investments
- Insider buyingInsider buying — 14 open-market buy(s) by 3 insider(s) (cluster of 3 insiders, last 6mo) Form 4 ↗
- Insider sellingInsider selling — 4 open-market sale(s) by 3 insider(s) (cluster of 3 insiders, ~$349,852, last 6mo) Form 4 ↗
Key metrics
Return on equity
10.0%
Return on assets
1.1%
Net-income growth
5.5%
Debt / equity
0.0×
Free cash flow
$5M
Tangible book value
$208M
Cash & investments
$146M
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-05-15 | Smith Jeremiah Zachary | Sell | 6.8K | $17.69 |
| 2026-05-13 | Smith Jeremiah Zachary | Gift | 76 | $17.74 |
| 2026-05-12 | Schulze Mark C | Sell | 2.0K | $17.79 |
| 2026-05-08 | Schulze Mark C | Sell | 3.0K | $17.78 |
| 2026-05-04 | Spink Kevin | Sell | 8.3K | $17.04 |
| 2026-02-25 | Smith Jeremiah Zachary | Grant | 13K | $13.64 |
| 2026-02-25 | Smith Jeremiah Zachary | Grant | 13K | $14.64 |
| 2026-02-19 | Servat Jean-Luc | Buy | 213 | $14.50 |
| 2026-02-19 | Servat Jean-Luc | Buy | 250 | $14.50 |
| 2026-02-19 | Servat Jean-Luc | Buy | 100 | $14.60 |
| 2026-02-18 | Servat Jean-Luc | Buy | 300 | $14.62 |
| 2026-02-18 | Servat Jean-Luc | Buy | 400 | $14.65 |
| 2026-02-18 | Servat Jean-Luc | Buy | 200 | $14.55 |
| 2026-02-18 | Swizer Duane | Grant | 6.0K | $14.70 |
| 2026-02-18 | Cochran Charles | Grant | 2.5K | $14.70 |
| 2026-02-18 | Spink Kevin | Grant | 7.0K | $14.70 |
| 2026-02-18 | Hamilton Brett | Grant | 7.0K | $14.70 |
| 2026-02-18 | Hayes Barbara A | Buy | 171 | $14.70 |
| 2026-02-12 | WALKER LOUISE A | Tax withheld | 8.0K | $14.59 |
| 2026-02-12 | WALKER LOUISE A | Option exercise | 23K | $5.14 |
| 2026-02-12 | Servat Jean-Luc | Buy | 400 | $14.60 |
| 2026-02-11 | Servat Jean-Luc | Buy | 200 | $14.44 |
| 2026-02-11 | Servat Jean-Luc | Buy | 119 | $14.33 |
| 2026-02-11 | Servat Jean-Luc | Buy | 101 | $14.33 |
| 2026-02-11 | Servat Jean-Luc | Buy | 880 | $14.45 |
| 2026-02-11 | Servat Jean-Luc | Buy | 300 | $14.59 |
| 2026-02-11 | Bedoya Richard | Buy | 893 | $14.49 |
| 2026-02-10 | Smith Jeremiah Zachary | Option exercise | 16K | $5.14 |
| 2026-02-10 | Smith Jeremiah Zachary | Tax withheld | 5.9K | $14.34 |
| 2025-12-22 | WALKER LOUISE A | Gift | 3.0K | $13.46 |
| 2025-12-09 | Smith Jeremiah Zachary | Gift | 600 | $13.45 |
| 2025-08-07 | Bedoya Richard | Buy | 2.0K | $11.19 |
| 2025-05-14 | Spink Kevin | Sell | 3.1K | $9.75 |
| 2025-03-12 | Cochran Charles | Grant | 5.0K | $10.42 |
| 2025-02-28 | Swizer Duane | Grant | 2.0K | $9.81 |
| 2025-02-24 | Smith Jeremiah Zachary | Grant | 14K | $9.95 |
| 2025-02-20 | Hayes Barbara A | Buy | 249 | $9.95 |
| 2025-02-20 | Spink Kevin | Grant | 6.0K | $9.95 |
| 2025-02-20 | Adamski Jeffrey A | Grant | 1.5K | $9.95 |
| 2025-02-20 | Hamilton Brett | Grant | 6.0K | $9.95 |
| 2025-02-07 | Smith Jeremiah Zachary | Tax withheld | 8.0K | $9.95 |
| 2025-02-07 | Smith Jeremiah Zachary | Option exercise | 16K | $5.05 |
| 2025-02-07 | WALKER LOUISE A | Tax withheld | 8.5K | $9.95 |
| 2025-02-07 | WALKER LOUISE A | Option exercise | 17K | $5.05 |
All non-derivative Form 4 activity (SEC), newest first.
Supply chain
Customers (0)
Suppliers (1)
Named in the 10-K; linked when we track them.
Notable events (8-K)
| Date | Items | |
|---|---|---|
| 2026-05-26 | Shareholder vote | filing ↗ |
| 2026-04-30 | ResultsReg FDExhibits | filing ↗ |
| 2026-04-22 | OtherExhibits | filing ↗ |
| 2026-03-31 | Reg FDOtherExhibits | filing ↗ |
| 2026-03-24 | OtherExhibits | filing ↗ |
| 2026-01-30 | ResultsReg FDOtherExhibits | filing ↗ |
| 2026-01-27 | Exec/director changeExhibits | filing ↗ |
| 2026-01-27 | 5.03Exhibits | filing ↗ |
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-05-26 | 2026-05-19 | 0001114927-26-000070 ↗ |
| 10-Q | 2026-05-07 | 2026-03-31 | 0001437749-26-015475 ↗ |
| 8-K | 2026-04-30 | 2026-03-31 | 0001437749-26-013937 ↗ |
| 8-K | 2026-04-22 | 2026-04-21 | 0001114927-26-000039 ↗ |
| 8-K | 2026-03-31 | 2026-03-26 | 0001114927-26-000037 ↗ |
| 8-K | 2026-03-24 | 2026-03-24 | 0001114927-26-000035 ↗ |
| 10-K | 2026-03-13 | 2025-12-31 | 0001437749-26-008040 ↗ |
| 8-K | 2026-01-30 | 2025-12-31 | 0001437749-26-002447 ↗ |
| 8-K | 2026-01-27 | 2026-01-22 | 0001114927-26-000006 ↗ |
| 8-K | 2026-01-27 | 2026-01-22 | 0001114927-26-000004 ↗ |
| 8-K | 2026-01-12 | 2026-01-06 | 0001114927-26-000002 ↗ |
| 10-Q | 2025-11-07 | 2025-09-30 | 0001437749-25-033868 ↗ |