First Northern Community Bancorp (FNRN)
Financial Services
- Fundamental
- 3
- Sentiment
- 2
- Technical
- 3
Do Nothing: qualitativeScore is 2 (below required floor of 3); the stock also fails liquidity with avgDollarVolume20 $2.56M and recent 3-session regular-session average $1.21M below the strategy floors.
Company overview
First Northern Community Bancorp is the holding company for First Northern Bank of Dixon, providing commercial banking services to individuals and small to medium-sized businesses. The bank offers various deposit and loan products, investment services, and other financial services through its branches in several California cities. Founded in 1910, it is headquartered in Dixon, California.
Fundamental
fairThe bank is profitable and well-capitalized but faces concentration risks in commercial real estate and uninsured deposits.
Profitable and well-capitalized regional bank with solid liquidity and improving credit metrics per recent SEC filings, trading at about 14x FY2025 EPS. Key watch items are CRE concentration, uninsured-deposit exposure, and securities unrealized losses (negative AOCI). Overall: stable but not low-risk → fundamentalScore 3.
Sentiment
weakMedia and retail attention is minimal, with no significant catalysts or sentiment shifts expected in the near term.
The only clear near-term catalyst is the already-reported Q2 2026 earnings release (2026-07-30, announced), while broader media/retail attention is very light; the 30–90d baseline is too sparse for a reliable sentiment-delta read. No investigations surfaced (legal case search was partially blocked by CAPTCHA), and with no forward catalyst calendar the short-term setup is Absent (score 2).
Technical
fairThe stock maintains an intermediate uptrend but faces short-term technical challenges and liquidity issues.
Score 3/5: the intermediate trend remains constructive above SMA50 and SMA200, but the short-term tape is mixed with price under SMA20/EMA9, MACD below signal, and neutral RSI rather than decisive accumulation.
You’re looking at 2026-08-06 — about 2 trading days ago.
Subscribers saw this then, and see today’s score, verdict and trade plan now.
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Not financial advice. For informational and educational purposes only.