First Northern Community Bancorp (FNRN) Cash Flow: Operating & Free Cash Flow

First Northern Community Bancorp (FNRN) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), First Northern Community Bancorp generated $6.90M of operating cash flow and spent $1.70M on capital expenditures. That left free cash flow of $5.20M, down 72.9% from $19.19M a year earlier, or 7.1% of revenue. It returned $4.76M to shareholders through $8.00K in dividends and $4.75M in share buybacks.

First Northern Community Bancorp Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for First Northern Community Bancorp (FNRN) - 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
Operating Activities
Net Income	21.13	20.03	21.55	15.88	14.19	12.16	14.72	12.55	8.75
Depreciation & Amortization	2.65	2.80	2.91	1.88	1.82	2.21	1.59	0.57	0.60
Deferred Income Tax	-1.57	0.60	-0.40	-0.69	1.00	-1.43	0.45	-1.21	1.92
Stock Based Compensation	0.85	0.85	0.82	0.66	0.59	0.57	0.48	0.42	0.38
Change in Working Capital	-0.16	-4.89	-0.08	-0.04	-0.95	-3.57	-0.68	-0.37	-0.89
Change in Accounts Receivable	-7.11	-0.41	-0.96	-0.98	0.00	-2.84	-0.77	-0.60	-2.15
Change in Inventory	0.00	0.00	-0.88	-0.94	0.00	0.00	-0.09	0.00	0.00
Change in Accounts Payable	5.89	-4.48	0.88	0.94	-0.95	-0.73	0.09	0.22	1.26
Change in Other Working Capital	-14.76	0.00	0.88	0.94	0.00	0.00	0.09	0.00	0.00
Other Operating Activities	-14.76	0.15	2.39	4.10	8.63	2.64	0.02	3.72	5.34
Net Cash from Operating Activities	6.90	19.54	27.30	21.78	25.28	12.59	16.56	15.68	16.10
Investing Activities
Capital Expenditures	-1.70	-0.34	-1.22	-0.34	-0.80	-0.86	-1.06	-0.96	-1.23
Acquisitions	0.00	0.00	103.43	0.00	0.00	0.00	-12.05	0.00	0.00
Purchases of Investments	-134.47	-230.33	-91.32	-176.92	-357.15	-208.97	-141.86	-114.20	-80.78
Sales/Maturities of Investments	178.48	167.84	152.74	124.76	141.43	122.98	119.53	76.53	72.11
Other Investing Activities	-11.71	9.56	-79.90	-126.28	30.15	-114.69	0.23	-33.86	-54.06
Net Cash from Investing Activities	44.82	-53.28	83.61	-178.79	-186.38	-201.54	-35.21	-72.49	-63.96
Financing Activities
Debt Repayment	-20.00	0.00	0.00	0.00	-5.00	5.00	0.00	0.00	0.00
Common Stock Issued	0.09	0.10	0.10	0.12	0.10	0.11	0.10	0.09	0.08
Common Stock Repurchased	-4.75	-3.76	-0.14	-0.19	-5.37	0.00	0.00	0.00	0.00
Dividends Paid	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01
Other Financing Activities	-20.95	7.65	-149.06	-1.43	250.14	339.53	14.02	19.87	41.04
Net Cash from Financing Activities	-25.61	3.98	-149.11	-1.51	239.86	344.63	14.11	19.95	41.11
Summary
Net Change in Cash	26.11	-29.76	-38.21	-158.51	78.75	155.68	-4.54	-36.86	-6.75
Cash at Beginning of Period	119.45	149.21	187.42	345.93	267.18	111.49	116.03	152.89	159.64
Cash at End of Period	145.55	119.45	149.21	187.42	345.93	267.18	111.49	116.03	152.89
Free Cash Flow	5.20	19.19	26.08	21.44	24.47	11.73	15.51	14.72	14.87
Supplemental Disclosures
Interest Paid	15.33	14.64	6.11	1.14	0.93	-	-	-	-
Income Taxes Paid	18.78	7.67	8.50	4.66	4.77	-	-	-	-

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 Cash Flow

What is First Northern Community Bancorp's free cash flow?

First Northern Community Bancorp generated free cash flow of $5.20M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $6.90M minus $1.70M of capital expenditures. That was down 72.9% from $19.19M a year earlier. Free cash flow equaled 7.1% of revenue.

How much does First Northern Community Bancorp spend on capital expenditures?

First Northern Community Bancorp spent $1.70M on capital expenditures in fiscal 2025, compared with $343.00K a year earlier. That equals 24.6% of operating cash flow.

Does First Northern Community Bancorp pay dividends or buy back shares?

Yes. In fiscal 2025 First Northern Community Bancorp returned $8.00K in dividends and $4.75M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition