OTC: FNRN - First Northern Community Bancorp

Yield per half year: -3.41%
Dividend yield: 0.00%
Sector: Financials

Reporting First Northern Community Bancorp

Capitalization

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Выручка, млрд $			0.0421	0.0471	0.0516	0.0543	0.0521	0.0556	0.0607	0.073	0.0704	0.0704	0.0624	6.21
Чистая прибыль, млрд $			0.0081	0.0087	0.0126	0.0147	0.0122	0.0142	0.0159	0.0216	0.02	0.02	0.0168	10.39
EBIT, млрд $	0.0087	0.0107	0.0129	0.0171	0.0173	0.0204	0.0167	0.0194	0.0217			0.0217	0.0191	4.64
Баланс стоимость, млрд $			0.0923	0.1	0.1125	0.1329	0.1507	0.1509	0.125	0.1592	0.1763	0.1763	0.1524	3.19
FCF, млрд $				0.0149	0.0147	0.0155	0.0117	0.0245	0.0214	0.0261	0.0192	0.0192	0.0206	10.41
Операционный денежный поток, млрд $			0.0097	0.0161	0.0157	0.0166	0.0126	0.0253	0.0218	0.0273	0.0195	0.0195	0.0213	9.13
Операционная прибыль, млрд $	0.0087	0.0107	0.0129	0.0159	0.0173	0.0207	0.0167	0.0194	0.0217			0.0217	0.0192	4.64
Операционные расходы, млрд $	0.0266	0.0283	0.0274	0.0294	0.0321	0.0336	0.0355	0.0362	0.0391			0.0391	0.0353	4.02
CAPEX, млрд $			0.000926	0.0012	0.000963	0.0011	0.000862	0.000803	0.000344	0.0012	0.000343	0.000343	0.0007	-16.83

	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Выручка, млрд $							0.016	0.0173	0.0189	0.0167	0.0171	0.0194	0.0165	0.0171	0.0176	0.0192	0.0180	-0.21
Чистая прибыль, млрд $							0.0046	0.0047	0.0055	0.0046	0.0046	0.0069	0.0043	0.0044	0.0055	0.0058	0.0054	-3.41
EBIT, млрд $	0.0044	0.0045	0.0063	0.0043	0.0042	0.0049	0.0061	0.0066	0.0076	0.0063							0.0063	5.15
Баланс стоимость, млрд $							0.1134	0.125	0.1358	0.1367	0.1365	0.1592	0.1623	0.1657	0.182	0.1763	0.1691	2.06
FCF, млрд $							0.0071	0.0084	0.0048	0.0077	0.0115	0.0021	0.0027	0.0024	0.0079	0.0062	0.0043	24.18
Операционный денежный поток, млрд $							0.0071	0.0088	0.005	0.008	0.012	0.0023	0.0027	0.0025	0.008	0.0063	0.0044	22.33
Операционная прибыль, млрд $	0.0044	0.0045	0.0063	0.0043	0.0042	0.0049	0.0061	0.0066	0.0076	0.0063							0.0063	5.15
Операционные расходы, млрд $	0.0085	0.0094	0.0092	0.0091	0.0091	0.0093	0.0099	0.0107	0.0113	0.0104							0.0103	2.26
CAPEX, млрд $					0.0000	0.0000	0.0000	0.000307	0.000285	0.000221	0.000539	0.000176			0.000102	0.000122	0.0002	-11.20

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд $																0.1759	0.1549	0.1236	0.1262	0.2672	0.3459	0.1874	0.1689	0.1355	0.1355	0.2210	-12.70
Short Term Investments $																0.2771	0.2807	0.3146	0.3429	0.4351	0.6322	0.6181	0.5724	0.4271	0.4271	0.5370	-0.37
Long term investments $														0.5385	0.7896	0.2777	0.281	0.3146	0.3429	1.32	0.6333	0.6181	0.5724			0.6973	10.79
Total Receivables $														0.0272	0.0267			0.0042	0.0043	0.0382	0.893	1.03	0.0068	0.0077	0.0077	0.3951	-27.41
Total Current Assets $														0.4114	0.2481	0.1848	0.1636	0.1353	0.139	0.3223	1.25	1.24			1.24	0.6173	55.75
Чистые активы, млрд $														0.0073	0.007	0.0073	0.0062	0.0066	0.0136	0.0065	0.0066	0.0061			0.0061	0.0079	-1.56
Активы, млрд $																1.17	1.22	1.25	1.29	1.66	1.9	1.87	1.87	1.89	1.89	1.84	2.63
Short Term Debt $																				0.005						0.0050	0.00
Long Term Debt $	0.0034	0.0027	0.0082	0.0138	0.0135	0.0101	0.0099	0.0177	0.011	0.009																0.0115	-2.28
Задолженность, млрд $																1.07	1.12	1.14	1.16	1.5	1.75	1.75	1.71	1.72	1.72	1.69	2.77
Interest income $																0.036	0.04	0.0456	0.049	0.0489	0.0472	0.0559	0.0741			0.0550	8.62
Расходы на обслуживание долга $																		0.0013	0.0019	0.0015	0.000912	0.0012	0.0076	0.0143	0.0143	0.0051	56.98
Чист. проц. доходы, млрд $																0.0348	0.0389	0.0456	0.049	0.0489	0.0472	0.0559	0.0741		0.0741	0.0550	8.62
Себестоимость, млрд $								0.0225	0.0154	0.0085	0.0076	0.0051	0.0025	0.0031	0.0018	0.003	0.0017									0.0024	-7.42
Товарно материальные запасы $									0.0052	0.005	0.0042	0.0056	0.0013	0.0012	0.000351	0.0033	0.001	0.0011								0.0014	-1.73

	2010Q4	2011Q1	2011Q2	2011Q3	2011Q4	2012Q1	2016Q2	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд $																														0.2644	0.1874	0.2061	0.2048	0.2178	0.1689	0.2051	0.1986	0.1832	0.1355	0.1783	-4.31
Short Term Investments $																														0.608	0.6181	0.6238	0.5877	0.5674	0.5724	0.5584	0.5611	0.6324	0.4271	0.5503	-5.69
Long term investments $																										0.6193	0.6333	0.6455	0.6378	0.608	0.6181	0.6242	0.5887	0.5674	0.5724					0.5942	-1.52
Total Receivables $																											0.893	0.9229	0.9866	1.03	1.03	1.03	1.07	0.0547	0.0068				0.0077	0.4338	-62.44
Total Current Assets $																								0.3502	1.26	1.29	1.25	1.21	1.24	1.31	1.24	1.26	1.3							1.27	0.95
Чистые активы, млрд $																								0.0065	0.0064	0.0068	0.0066	0.0064	0.0062	0.006	0.0061	0.0098	0.0098							0.0076	9.59
Активы, млрд $																														1.93	1.87	1.9	1.91	1.9	1.87	1.89	1.89	1.93	1.89	1.89	0.21
Short Term Debt $																					0.01	0.01	0.005	0.005																0.0075	-15.91
Long Term Debt $	0.009	0.0105	0.0082	0.0085	0.007	0.007												0.0048			0.01	0.01		0.005																0.0074	-6.51
Задолженность, млрд $																														1.82	1.75	1.77	1.78	1.77	1.71	1.72	1.72	1.75	1.72	1.72	0.12
Долг, млрд $																					0.02	0.02		0.01																0.0167	-20.63
Interest income $																										0.012	0.0117	0.0118	0.0132	0.0145	0.0163	0.0169	0.0193	0.0183	0.0197					0.0181	3.86
Расходы на обслуживание долга $																														0.000271	0.000495	0.00093	0.0015	0.0024	0.0028	0.0032	0.0036	0.0038	0.0038	0.0034	6.30
Чист. проц. доходы, млрд $																											0.0115	0.0116	0.0132	0.0145	0.0163	0.0169	0.0193	0.0183	0.0197	0.0185				0.0185	1.83
Себестоимость, млрд $							0.000723	0.000739	0.000759	0.000865	0.000255	0.000272	0.000287	0.000788	0.000806	0.000866																								0.0006	26.06
Товарно материальные запасы $											0.000808	0.0018	0.001	0.00043	0.0014	0.001	0.0011	0.0011	0.000784	0.000784																				0.0010	-4.75

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	0.6582	0.5326	0.929	1.09	0.8919	1.02	1.08	1.33	1.25		1.25	1.11	6.98
Цена акции ао		12.12	13.37	11.32	9.01	10.76	7.71	8.5	9.51	10.19	10.19	9.33	-1.08
Число акций ао, млн			13.51	13.57	13.63	13.85	14.65	16.26	16.02		16.02	14.88	3.28
FCF/акцию			1.09	1.14	0.8602	1.77	1.46	1.6	1.2		1.2	1.38	6.88

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
EPS				0.3281	0.3227	0.3725	0.31	0.2986	0.4233	0.2619	0.2732	0.3424	0.365		0.3332	-2.92
Цена акции ао	10.39	10.56	9.51	8.89	8.04	8.27	7.07	8.65	8.78					10.19	8.59	4.26
FCF/акцию				0.51	0.5766	0.3224	0.5252	0.7416	0.1307	0.1624	0.1498	0.4935	0.3876		0.2648	24.29

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %		8.72	8.74	11.81	12	8.58	9.41	11.51	15.16	11.94		11.94	18.97	11.32	6.83
ROA, %		0.69	0.7184	1.02	1.16	0.825	0.7982	0.8426	1.15	1.06		1.06	4.89	0.9352	5.14
ROS, %			18.59	24.34	27.1	23.32	25.5	26.16	29.53	28.47	28.47	28.47	25.78	27.63	2.23
ROCE, %	12.42	14.02	17.06	13.82	13.25	9.68	11.37	15			12.31	12.31	6.94	12.32	-1.46
Ebit margin, %					37.53	31.96	34.92	35.68			30.83	30.83		34.18	-3.86
Рентаб EBITDA, %											0	0	20.58
Чистая рентаб, %		19.13	18.59	24.34	27.1	23.32	25.5	26.16	29.53	28.47		28.47	25.78	26.60	4.07
Operation Margin, %			33.75	33.59	38.09	31.96	34.92	35.68	35.75	29.73	30.83	30.83	12.26	33.38	-2.46

	2020Q2	2020Q3	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %									3.35	3.69	4.39	3.34	3.54	4.99	2.94	2.9	3.4	3.45		18.97	3.54	-7.12
ROA, %									0.2386	0.2486	0.2908	0.2385	0.2421	0.3647	0.2275	0.2344	0.2874	0.3059		4.89	0.2840	-3.46
ROIC, %	1.65	2.04	1.99																	7.36	1.89	6.44
ROS, %										27.35	29.11	27.35	27.07	35.39	25.99	25.88	31.1	30.47	28.47	25.78	28.38	1.84
ROCE, %				2.98	4.04	2.83	3.1	3.03	4.04	4.57	5.26	4.62							12.31	6.94	6.16	24.96
Ebit margin, %																			30.83		30.83	0.00
Чистая рентаб, %									28.58	27.35	29.11	27.35	27.07	35.39	25.99	25.88	31.1	30.47		25.78	29.77	-2.95
Operation Margin, %				32.71	40.37	31.89	31.34	34.31	38	37.98	40.15	37.88							30.83	12.26	36.97	-4.10

Coefficients

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	9.19	8.6	10.16	9.08	7.36	6.46	7.95		7.95	34.84	8.20	-4.79
P/BV	1.03	0.953	0.8201	0.8532	0.9352	0.874	0.9037		0.9037	5.28	0.8772	1.96
P/S	2.24	2.33	2.37	2.31	1.93	1.91	2.26		2.26	10.23	2.16	-0.95
P/FCF						0	0	0	0	2.42
E/P						0	0	0	0	87.78
EV/EBIT							0	0	0
EV/S						0	0	0	0	10.17
EV/FCF							0	0	0	8.99
Debt/EBITDA						0	0	0	0	-305.74
Netdebt/Ebitda						0	0	0	0	167.27
Debt/Ratio						0	0	0	0	0.12
Debt/Equity						0	0	9.73	9.73	11.29	9.73	0.00
Debt/Net Income						0	0	0	0	29.81
PEG								-46.16	-46.16		-46.1600	0.00
Бета						-0.5399	-0.0069	-0.6504	-0.6504	0.05	-0.3991	6.40
Индекс Альтмана						0.0444	0.0551	0.052	0.052	50.33	0.0505	5.41

	2020Q2	2020Q3	2021Q1	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E				7.99	7.1	5.87	5	6.6	6.1	6.99	6.81	7.92	8.01			34.84	7.17	5.60
P/BV				1.01	0.9352	0.8139	0.7178	0.9756	0.874	0.9102	0.8364	0.907	0.9037			5.28	0.8863	0.67
P/S				2.02	1.86	1.62	1.41	1.83	1.82	2.04	1.96	2.36	2.28			10.23	2.09	4.61
Debt/Ratio	0.0124	0.0119	0.0056													0.12	0.0100	-23.28
Debt/Equity	0.138	0.1348	0.0668												9.73	11.29	2.52	189.77
Debt/Net Income	7.39	5.84	3.15													29.81	5.46	-24.74
PEG															-46.16		-46.1600	0.00
Бета														-0.7991	-0.6504	0.05	-0.7248	-9.78
Индекс Альтмана														0.0551	0.052	50.33	0.0536	-2.85

Dividends

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.000129	0.000105	0	1.0E-5	0	0	0	0	0	0				0.0001	-57.36
Дивиденд												0
Див доход, ао, %												0	7.63
Дивиденды / прибыль, %			0.0621	0.1143	0.0797	0.0543	0.0658	0.0564	0.0504	0.0325	0.0349	0.0349	511.99	0.0480	-11.91

	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2023Q1	2024Q1	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд	0	0	0	0	0	0	0	0	0	0
Дивиденды / прибыль, %	0.2957	0.2336	0.2387	0.2517	0.242	0.1774	0.2505	0.2631	0.1275	0.1637	511.99	0.1964	-1.59

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	192	203	2.82

	CAGR 5

	CAGR 5