First Northern Community Bancorp (FNRN) & The Competition Head-To-Head Analysis

First Northern Community Bancorp (NASDAQ:FNRN) is one of 919 publicly-traded companies in the “Banks” industry, but how does it contrast to its rivals? We will compare First Northern Community Bancorp to related businesses based on the strength of its risk, dividends, analyst recommendations, profitability, valuation, earnings and institutional ownership.

Earnings and Valuation

This table compares First Northern Community Bancorp and its rivals gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
First Northern Community Bancorp	$88.40 million	$21.13 million	12.42
First Northern Community Bancorp Competitors	$9.95 billion	$2.42 billion	20.29

First Northern Community Bancorp’s rivals have higher revenue and earnings than First Northern Community Bancorp. First Northern Community Bancorp is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.

Profitability

This table compares First Northern Community Bancorp and its rivals’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
First Northern Community Bancorp	24.97%	10.65%	1.19%
First Northern Community Bancorp Competitors	15.66%	9.44%	0.93%

Volatility & Risk

First Northern Community Bancorp has a beta of 0.04, meaning that its share price is 96% less volatile than the S&P 500. Comparatively, First Northern Community Bancorp’s rivals have a beta of 0.61, meaning that their average share price is 39% less volatile than the S&P 500.

Institutional and Insider Ownership

17.9% of First Northern Community Bancorp shares are owned by institutional investors. Comparatively, 48.0% of shares of all “Banks” companies are owned by institutional investors. 11.9% of First Northern Community Bancorp shares are owned by company insiders. Comparatively, 9.8% of shares of all “Banks” companies are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Analyst Recommendations

This is a breakdown of recent ratings and target prices for First Northern Community Bancorp and its rivals, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Northern Community Bancorp	0	0	1	0	3.00
First Northern Community Bancorp Competitors	7470	30209	27786	1473	2.35

As a group, “Banks” companies have a potential upside of 17.08%. Given First Northern Community Bancorp’s rivals higher possible upside, analysts plainly believe First Northern Community Bancorp has less favorable growth aspects than its rivals.

Summary

First Northern Community Bancorp rivals beat First Northern Community Bancorp on 7 of the 13 factors compared.

About First Northern Community Bancorp

First Northern Community Bancorp operates as the bank holding company for First Northern Bank of Dixon that provides commercial banking products and services to individuals, and small to medium sized businesses. The company accepts demand deposits, interest-bearing transaction deposits, savings and money market accounts, and time deposits. Its loan portfolio comprises of commercial, commercial real estate, agriculture, residential mortgage, residential construction, and consumer loans. The company also offers credit cards; investment and brokerage services; alternative investment products, and fiduciary and other financial services; and equipment leasing, merchant card processing, payroll, and international banking services through third parties. In addition, it provides issues cashier’s checks, safe deposit boxes rental, and other customary banking services. The company operates eleven full-service branches located in the cities of Auburn, Davis, Dixon, Fairfield, Rancho Cordova, Roseville, Sacramento, Vacaville, West Sacramento, Winters, and Woodland; a satellite banking office inside a retirement community in the city of Davis; a residential mortgage loan office in Davis; and a commercial loan office in the Contra Costa County city of Walnut Creek. First Northern Community Bancorp was founded in 1910 and is headquartered in Dixon, California.