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Stock Ratings / Financials / FNRN
WNEB (65) BCBP (49) CZWI (62) WSBF (58) ⌘ Pro Terminal →

First Northern Community Bancorp (FNRN) — RQD Stock Rating Cockpit

$17.57 +2.69% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $17.62

First Northern Community Bancorp (FNRN) carries a Roarable Rating of D+ (Sell) with 56/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $280.5M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on FNRN Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is FNRN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, First Northern Community Bancorp (NASDAQ: FNRN) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 56/100 at a spot price of $17.57 (+2.69% 1D, market cap $280.5M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, FNRN ranks #512 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does FNRN compare to WNEB and BCBP in the Financials sector?
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Within the Financials sector (Savings Institutions), FNRN carries a Roarable D+ (56/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.0%. By comparison, WNEB (Western New England Bancorp Inc.) holds a C grade (65/100 RQD, P/E 18.5x, ROIC 6.2%, cap $280.0M) and BCBP (BCB Bancorp Inc. (NJ)) posts a D grade (49/100 RQD, P/E N/A, ROIC -4.1%, cap $272.5M). Among the 5-stock peer group, WSBF leads on earnings multiple (13.5x) while CZWI leads on capital efficiency (7.7% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FNRN?
▼

Per FNRN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001114927), First Northern Community Bancorp generated $802.6M in revenue (+1.0% YoY), $21.1K in net income, and $5.2M in free cash flow against $1.91B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $17.62 (+0.29%)🧬 Disciplined Float (+0.80% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 0.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 56/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.4% avg 90D alpha vs SPY • 51.8% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510056
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D · Rk C+
Cash (9)Whales (11)SEC (13)Macro (14)CEO (9)
Each axis scored 0–20
12M PRICE TARGET CONE-0.9% Base Target
$21 Bull$17 Base$14 Bear
📬 FREE FNRN RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FNRN)Realized 20D OHLCV Swing Band: ±5.7%
Deterministic 5-Pillar Attribution (56/100 Composite)
🔍 WHY FNRN SCORES 56/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Macro Regime Fit+14/20 pts (25% of score)

FRED Regime × Technicals: 76% of 52W Range • RSI-14 at 54 (NEUTRAL RANGE)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (23% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution9/20 pts (-11 pt drag)

Disciplined Float (+0.80% YoY Shares) & executive Form 4 sales trim 11 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
48
Grade D$16.68-2.1% Next Q
Q2 (-2Q)
51
Grade C-$16.33+3.2% Next Q
Q3 (-1Q)
53
Grade C-$16.85+4.3% Next Q
Current
56
Grade D+$17.57-0.4% Hist 90D α
Trajectory: D (48) → D+ (56)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the FNRN Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 56/100 (D+) score, FNRN faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Company executives have done more routine share selling than personal cash buying lately.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Disciplined Float (+0.80% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($17.06) or 200D SMA ($16.40) invalidates the momentum regime and cuts Target Base ($17.41) toward Bear Floor ($13.58).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FNRN• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “FNRN Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 56%NO 44%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
5430 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCORESOLID CORE (5–6)
5 / 99-Pt Accounting
52-WEEK LASER RANGE76% OF RANGE
L: $12$17.57H: $19
1. Money & Cash Health● WEAK
Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 9 / 20
2. Big Money & Insiders● TRIMMING
Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: DRQD 20 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: C+RQD 27 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on FNRN

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BEARISH (45)

0.0% ROIC with 42.0% gross margin and 1.87% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (57)

20/40 institutional & smart-money positioning score with 14/20 macro alignment.

Bull Case: Why Buyers Like FNRN
  • ✓Established market leader in Financials with deep daily trading liquidity.
Bear Case: What Could Go Wrong
  • !Company executives have done more routine share selling than personal cash buying lately.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FNRN)

  • ✓Walkthrough of FNRN's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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FNRN // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +3.11%📐 HORIZONTAL RANGE
2026-11-03O $16.98H $17.57L $16.98C $17.57VOL 67.5K
RES: $18.95SUP: $15.68SMA50: $17.06SMA200: $16.40
$19.69$17.86$16.02$14.18$12.34RES $18.95SUP $15.68$17.572026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FNRN Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FNRN Butterfly Map → + Track FNRN →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +1.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on FNRN today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FNRN. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for FNRN today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FNRN)

Financials Rank #512 of 1097 ⚔️ WNEB vs FNRN Full Matrix →

1. Head-to-Head Financials Peer Comparison (FNRN vs. WNEB, BCBP, CZWI, WSBF)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, First Northern Community Bancorp (FNRN) ranks #512 by composite RQD confidence (56/100, grade D+) and #825 by equity capitalization ($280.5M). Within this direct 5-issuer industry benchmark cohort, WSBF leads on earnings valuation at 13.5x trailing P/E, while CZWI leads on capital efficiency and profitability with 7.7% ROIC and — gross margin. WNEB currently holds the highest overall quantitative score in the immediate peer group at 65/100 (C) compared with FNRN at 56/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
FNRN ACTIVE
First Northern Community Bancorp
D+ 56/100 — — 0.0% +2.69% $280.5M Benchmark Subject
WNEB
Western New England Bancorp Inc.
C 65/100 18.5x — 6.2% +0.64% $280.0M /wneb-vs-fnrn →
BCBP
BCB Bancorp Inc. (NJ)
D 49/100 — — -4.1% +0.79% $272.5M /bcbp-vs-fnrn →
CZWI
Citizens Community Bancorp Inc.
C 62/100 15.8x — 7.7% +0.73% $226.1M /czwi-vs-fnrn →
WSBF
Waterstone Financial Inc. (MD)
D+ 58/100 13.5x — 7.6% +2.10% $351.5M /wsbf-vs-fnrn →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001114927 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), First Northern Community Bancorp (FNRN) reported GAAP revenue of $802.6M (+1.0% vs. FY2024 revenue of $794.5M , and +673.7% cumulative change since FY2023) , GAAP net income of $21.1K, operating cash flow of $6.9M, and free cash flow of $5.2M (-72.9% YoY). On the balance sheet, FNRN closed FY2025 with $1.91B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $802.6M $21.1K $6.9M $5.2M $1.91B —
FY2024 (FY) 2024-12-31 $794.5M $20.0K $19.5M $19.2M $1.89B —
FY2023 (FY) 2023-12-31 $103.7M $21.6K $27.3M $27.3M — —

3. FNRN Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FNRN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, First Northern Community Bancorp (NASDAQ: FNRN) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 56/100 at a spot price of $17.57 (+2.69% 1D, market cap $280.5M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, FNRN ranks #512 in composite RQD confidence.

How does FNRN compare to WNEB and BCBP in the Financials sector?

Within the Financials sector (Savings Institutions), FNRN carries a Roarable D+ (56/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.0%. By comparison, WNEB (Western New England Bancorp Inc.) holds a C grade (65/100 RQD, P/E 18.5x, ROIC 6.2%, cap $280.0M) and BCBP (BCB Bancorp Inc. (NJ)) posts a D grade (49/100 RQD, P/E N/A, ROIC -4.1%, cap $272.5M). Among the 5-stock peer group, WSBF leads on earnings multiple (13.5x) while CZWI leads on capital efficiency (7.7% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FNRN?

Per FNRN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001114927), First Northern Community Bancorp generated $802.6M in revenue (+1.0% YoY), $21.1K in net income, and $5.2M in free cash flow against $1.91B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FNRN trading relative to its 50-day, 200-day, and 52-week technical levels?

FNRN last traded at $17.57 (+2.69% on volume of 99,686 shares), positioning the stock +2.99% above its 50-day simple moving average ($17.06) and +7.13% above its 200-day simple moving average ($16.40). Across its 52-week range of $12.15 to $19.25, FNRN sits at the 76.3% percentile with a 14-day RSI of 54.0 (NEUTRAL RANGE) and an implied next-earnings move of ±5.7% ($16.57 to $18.57).

Direct Sub-Reports: FNRN RQD Cockpit FNRN 12M Forecast FNRN Earnings & Move FNRN Dividends & DRIP FNRN Insiders & 13F FNRN Whale Options FNRN Profit Sankey FNRN News & Why
ROARABLE RATING BRIEF • RQD 56/100 (D+) ✓ SEC XBRL & RQD VERIFIED

FNRN — First Northern Community Bancorp: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

First Northern Community Bancorp (FNRN) earns a live Roarable RQD composite score of 56/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $17.57 (+2.69% 1D, market capitalization $280.5M).

  • Fundamental Cash Engine (9/20): Anchored by return on invested capital (ROIC) of 0.0%, gross margin of —, operating margin of —, and free cash flow yield of 1.87%.
  • Whale 13F & Options Flow (11/20) + Insider Conviction (9/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (14/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Sector: Financials. Industry: Savings Institutions. Exchange: NASDAQ. First Northern Community Bancorp is a NASDAQ-listed issuer in the Savings Institutions industry with a market capitalization of $0.3B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), First Northern Community Bancorp (FNRN) reported $802.6M in annual revenue (up from $794.5M in FY2024, +1.0% YoY) and $21.1K in GAAP net income. Over the multi-year SEC filing window from FY2023 ($103.7M revenue, $21.6K net income) through FY2025, FNRN scaled operating cash flow to $6.9M and free cash flow to $5.2M, backed by $1.91B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 56/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 1.87% and institutional whale pillar of 11/20. With Fundamental Cash Engine at 9/20 and Institutional Whale Flow at 11/20, sustained execution supports upside toward the upper end of the $12.15 – $19.25 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Savings Institutions (Financials), FNRN carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can FNRN sustain or expand its — operating margin and 0.0% ROIC against Savings Institutions peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $802.6M and free cash flow of $5.2M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is FNRN's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

FNRN Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for First Northern Community Bancorp (FNRN) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to FNRN Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FNRN Bull vs. Bear Conversation Board — What's Your Call at $17.57?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FNRN 🐻 33% BEARISH CONVICTION
1. Pick Your Side on FNRN:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA RQD DEBATE OPENER • Institutional Buy-Side 🐂 BULLISH 🎯 Target: $22.41 (+31.0%)
📌 Pinned Debate

FNRN (D+ • RQD 56/100) operating leverage in Savings Institutions is mispriced at $17.11

Don't sleep on FNRN's setup in Financials. FNRN (D+ • RQD 56/100) operating leverage in Savings Institutions is mispriced at $17.11. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (56/100) backs up the fundamental quality.

SectorRotator 🐂 BULL

@SkepticalCFA Fair point on current EV/EBITDA multiples, but you're ignoring the forward operating leverage in Savings Institutions. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

SK SkepticalCFA RQD DEBATE OPENER • Fundamental Contrarian 🐻 BEARISH 🎯 Target: $14.03 (-18.0%)
Spot @ $17.11

ROIC of 0%, net margin of 0%, and an FCF yield of 1.87% signal weak cash generation relative to the company's market value.

Sitting on the sidelines or leaning short FNRN above $17.11. ROIC of 0%, net margin of 0%, and an FCF yield of 1.87% signal weak cash generation relative to the company's market value.. Until Fundamental Cash Engine (9/20) and FCF yield (1.87%) inflect higher, upside is capped near $19.25.

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