First Northern Community Bancorp Ratios (2023-2025) | FNRN

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Ratios Mar2023 Jun2023 Sep2023 Dec2023 Mar2024 Jun2024 Sep2024 Dec2024 Mar2025 Jun2025 Sep2025
Profitability
Gross Margin 93.66%99.82%88.55%
EBT Margin 40.15%32.77%35.51%51.03%35.22%35.01%1,077.46%11.91%28.49%41.09%953.91%
EBIT Margin 45.08%40.55%49.03%65.92%54.08%55.35%-1,446.34%84.69%48.95%60.67%-1,639.42%
EBITDA Margin 45.08%40.55%49.03%65.92%54.08%55.35%-1,446.34%84.69%48.95%60.67%-1,639.42%
Operating Margin -1,446.34%84.69%-1,639.42%
Net Margin 29.11%23.66%26.17%34.84%25.35%25.34%772.96%8.56%21.10%29.56%871.45%
FCF Margin 25.20%40.08%65.00%11.43%15.72%13.89%1,113.94%9.09%19.11%11.94%-1,084.20%
Efficiency
Assets Average 1,908.39M1,907.91M1,887.08M1,879.48M1,887.57M1,909.35M1,911.21M1,883.71M1,873.85M1,890.10M
Equity Average 136.26M136.61M147.87M160.80M164.04M173.86M179.16M182.07M191.34M199.83M
Invested Capital 135.78M136.73M136.49M159.25M162.35M165.73M182.00M176.33M187.81M194.88M204.77M
Asset Utilization Ratio 0.040.040.040.030.050.060.060.06
Leverage & Solvency
Interest Coverage Ratio 9.145.213.634.432.872.72-2.7015.382.393.10-3.06
Equity Ratio 0.070.070.070.090.090.090.090.090.100.100.11
Times Interest Earned 9.145.213.634.432.872.72-2.7015.382.393.10-3.06
Valuation
Enterprise Value -227.81M-226.00M-217.80M-168.92M-205.09M-198.64M-183.16M-135.52M-127.30M-141.43M-162.40M
Return Ratios
Return on Sales 0.29%0.24%0.26%0.35%0.25%0.25%7.73%0.09%0.21%0.30%8.71%
Return on Invested Capital 0.18%0.17%0.17%0.08%0.27%0.26%0.25%0.26%
Return on Assets 0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%
Return on Equity 0.14%0.12%0.12%0.12%0.11%0.11%0.11%0.11%