OTC: FNRN - First Northern Community Bancorp

Yield per half year: +14.53%
Sector: Financials

Company Analysis First Northern Community Bancorp

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1. Summary

Advantages

  • Price (9.05 $) is less than fair price (10.11 $)
  • The stock's return over the last year (12.14%) is higher than the sector average (-48.24%).
  • The company's current efficiency (ROE=13.54%) is higher than the sector average (ROE=-44.08%)

Disadvantages

  • Dividends (0%) are below the sector average (9.13%).

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2. Share price and performance

2.1. Share price

2.2. News

No news yet

2.3. Market efficiency

First Northern Community Bancorp Financials Index
7 days -0.5% 1.2% -0.7%
90 days 3.5% 1.2% 7.7%
1 year 12.1% -48.2% 30.6%

FNRN vs Sector: First Northern Community Bancorp has outperformed the "Financials" sector by 60.39% over the past year.

FNRN vs Market: First Northern Community Bancorp has significantly underperformed the market by -18.45% over the past year.

Stable price: FNRN is not significantly more volatile than the rest of the market on "OTC" over the last 3 months, with typical variations of +/- 5% per week.

Long period: FNRN with weekly volatility of 0.2335% over the past year.

3. Summary of the report

3.1. General

P/E: 6.46
P/S: 1.91

3.2. Revenue

EPS 1.33
ROE 13.54%
ROA 1.15%
ROIC 0%
Ebitda margin 0%

4. Fundamental Analysis

4.1. Stock price and price forecast

The fair price is calculated taking into account the Central Bank refinancing rate and earnings per share (EPS)

Below fair price: The current price (9.05 $) is lower than the fair price (10.11 $).

Price not significantly lower than the fair price: The current price (9.05 $) is slightly lower than the fair price by 11.7%.

4.2. P/E

P/E vs Sector: The company's P/E (6.46) is lower than that of the sector as a whole (27.65).

P/E vs Market: The company's P/E (6.46) is lower than that of the market as a whole (53.07).

4.2.1 P/E Similar companies

4.3. P/BV

P/BV vs Sector: The company's P/BV (0.874) is higher than that of the sector as a whole (-29.6).

P/BV vs Market: The company's P/BV (0.874) is higher than that of the market as a whole (-9.1).

4.3.1 P/BV Similar companies

4.4. P/S

P/S vs Sector: The company's P/S indicator (1.91) is lower than that of the sector as a whole (7.85).

P/S vs Market: The company's P/S indicator (1.91) is lower than that of the market as a whole (5.18).

4.4.1 P/S Similar companies

4.5. EV/Ebitda

EV/Ebitda vs Sector: The company's EV/Ebitda (0) is higher than that of the sector as a whole (-132.82).

EV/Ebitda vs Market: The company's EV/Ebitda (0) is lower than that of the market as a whole (23.95).

5. Profitability

5.1. Profitability and revenue

5.2. Earnings per share - EPS

5.3. Past profitability Net Income

Yield Trend: Rising and has grown by 9.33% over the last 5 years.

Earnings Slowdown: The last year's return (0%) is below the 5-year average return (9.33%).

Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-7.96%).

5.4. ROE

ROE vs Sector: The company's ROE (13.54%) is higher than that of the sector as a whole (-44.08%).

ROE vs Market: The company's ROE (13.54%) is higher than that of the market as a whole (-2.01%).

5.5. ROA

ROA vs Sector: The company's ROA (1.15%) is lower than that of the sector as a whole (2.46%).

ROA vs Market: The company's ROA (1.15%) is lower than that of the market as a whole (8.98%).

5.6. ROIC

ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (8.34%).

ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (11.03%).

6. Finance

6.1. Assets and debt

Debt level: (0%) is quite low in relation to assets.

Increasing debt: over 5 years, the debt has increased from 0% to 0%.

Excess of debt: The debt is not covered by net income, percentage 0%.

6.2. Profit growth and share price

7. Dividends

7.1. Dividend yield vs Market

Low yield: The dividend yield of the company 0% is below the average for the sector '9.13%.

7.2. Stability and increase in payments

Unstable dividends: The company's dividend yield 0% has not been consistently paid over the past 7 years, DSI=0.

Weak dividend growth: The company's dividend yield 0% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.

7.3. Payout percentage

Dividend Coverage: Current payments from income (0.0325%) are at an uncomfortable level.

8. Insider trades

8.1. Insider trading

Insider Buying Exceeds insider sales by 100% over the last 3 months.

8.2. Latest transactions

No insider transactions have been recorded yet

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9. Stocks forum First Northern Community Bancorp

9.3. Comments