First Northern Community Bancorp (FNRN) Financial Statements & Analysis

First Northern Community Bancorp (FNRN) Income Statement

First Northern Community Bancorp reported revenue of $73.57M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 4.2% from $70.63M a year earlier. Net income was $21.13M, up 5.5% year over year, a net margin of 28.7%. Gross margin was 100.0% and operating margin 37.3%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $22.57M, up 22.1% from the same quarter a year earlier.

First Northern Community Bancorp Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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First Northern Community Bancorp income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	73.57	70.63	72.98	61.63	55.63	56.67	56.19	52.83	48.15
Cost of Revenue	14.84	14.04	8.68	2.09	-0.59	4.53	1.86	3.37	1.68
Gross Profit	73.57	70.63	71.88	60.73	55.63	52.14	54.33	49.46	46.47
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	26.17	24.62	26.72	24.99	23.43	23.81	22.67	21.46	18.92
Operating Expenses	46.16	42.79	42.23	39.06	36.20	35.48	33.94	32.16	29.40
Operating Income	27.41	27.84	29.65	21.67	19.43	16.66	20.39	17.30	17.07
Other Income/Expense
Interest Income	82.31	78.65	74.12	55.88	47.18	48.86	48.99	45.62	40.02
Interest Expense	14.84	14.29	7.58	1.19	0.91	1.48	1.86	1.27	1.08
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	27.41	27.84	29.65	21.67	19.43	16.66	20.39	17.30	17.07
Income Tax Expense	6.28	7.81	8.09	5.78	5.24	4.50	5.67	4.74	8.32
Net Income	21.13	20.03	21.55	15.88	14.19	12.16	14.72	12.55	8.75
Net Income - Continuous Operations	21.13	20.03	21.55	15.88	14.19	12.16	14.72	12.55	8.75
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	29.33	30.64	32.55	23.54	21.25	18.88	21.98	17.86	17.67
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	0.73	0.82	0.83	1.88	1.82	2.21	1.59	0.57	0.60
Earnings Per Share
Basic EPS	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00
Diluted EPS	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00
Basic Shares Outstanding	16.29	16.66	18.44	18.46	17.06	14.84	15.53	15.49	15.44
Diluted Shares Outstanding	16.57	16.89	18.62	18.63	17.28	16.51	15.72	15.71	15.63

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About First Northern Community Bancorp Financial Statements

What was First Northern Community Bancorp's revenue in fiscal 2025?

First Northern Community Bancorp reported revenue of $73.57M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 4.2% from $70.63M a year earlier.

Is First Northern Community Bancorp profitable?

Yes. First Northern Community Bancorp earned net income of $21.13M in fiscal 2025, a net margin of 28.7%. In fiscal 2024 it earned $20.03M.

What is First Northern Community Bancorp's operating margin?

First Northern Community Bancorp's operating income was $27.41M on revenue of $73.57M in fiscal 2025, an operating margin of 37.3%, compared with 39.4% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition