Stock Ratings / Financials / FNRN / options

WNEB (65) BCBP (49) CZWI (62) WSBF (58) ⌘ Pro Terminal →

First Northern Community Bancorp (FNRN) Options Positioning, Max Pain & Unusual Sweeps

$17.11 +0.77% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $17.10

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.

📊 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) →

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?

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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 $17.11 (+0.77% 1D, market cap $280.5M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, FNRN ranks #511 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?

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Per FNRN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001114927), First Northern Community Bancorp generated $0 in revenue, $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: $17.10 (-0.05%)🧬 Disciplined Float (+0.80% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 0.1% 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+

JEV AI Jury 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 SNOWFLAKE RADARRw D · Rk C+

Each axis scored 0–20

12M PRICE TARGET CONE-0.9% Base Target

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: 70% 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)

Grade D$16.68-2.1% Next Q

Q2 (-2Q)

Grade C-$16.33+3.2% Next Q

Q3 (-1Q)

Grade C-$16.85+1.5% Next Q

Current

Grade D+$17.11-0.4% 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 ($16.96) toward Bear Floor ($13.23).

🎲 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 →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±5.7%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (FNRN)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for FNRN.

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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: +0.41%📐 HORIZONTAL RANGE

2026-11-03O $16.98H $17.11L $16.98C $17.11VOL 67.5K

RES: $18.95SUP: $15.68SMA50: $17.06SMA200: $16.40

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

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 #511 of 1096 ⚔️ 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 1096 tracked Financials securities in the Roarable RQD universe, First Northern Community Bancorp (FNRN) ranks #511 by composite RQD confidence (56/100, grade D+) and #824 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%	+0.77%	$280.5M	Benchmark Subject
WNEB Western New England Bancorp Inc.	C	65/100	18.5x	—	6.2%	-0.78%	$280.0M	/wneb-vs-fnrn →
BCBP BCB Bancorp Inc. (NJ)	D	49/100	—	—	-4.1%	+2.90%	$272.5M	/bcbp-vs-fnrn →
CZWI Citizens Community Bancorp Inc.	C	62/100	15.8x	—	7.7%	-1.01%	$226.1M	/czwi-vs-fnrn →
WSBF Waterstone Financial Inc. (MD)	D+	58/100	13.5x	—	7.6%	-1.41%	$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 $0 (N/A vs. FY2024 revenue of $0 ) , 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	$0	$21.1K	$6.9M	$5.2M	$1.91B	—
FY2024 (FY)	2024-12-31	$0	$20.0K	$19.5M	$19.2M	$1.89B	—
FY2023 (FY)	2023-12-31	$0	$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?

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

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

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

FNRN last traded at $17.11 (+0.77% on volume of 67,538 shares), positioning the stock +0.29% above its 50-day simple moving average ($17.06) and +4.33% above its 200-day simple moving average ($16.40). Across its 52-week range of $12.15 to $19.25, FNRN sits at the 69.9% percentile with a 14-day RSI of 54.0 (NEUTRAL RANGE) and an implied next-earnings move of ±5.7% ($16.13 to $18.09).

FNRN Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is FNRN's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for FNRN.

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+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

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

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:39:21Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, FNRN scores 54 out of 100, a letter grade of D+, with the verdict "Roarable Sell — Weak Fundamentals / Trim." The Fundamental Cash Engine pillar scores 9 of 20, reflecting ROIC of 0% and an FCF yield of 1.87%; for a prospective investor, this indicates the source data shows no measured return on invested capital and modest free cash flow relative to market value. The Whale 13F Flow pillar scores 9 of 20 for institutional accumulation and options positioning, suggesting limited institutional conviction in the data provided. The Insider Conviction pillar also scores 9 of 20 for SEC Form 4 and Congressional PTR cluster flow, indicating weak insider signal. The Macro Regime Fit pillar scores 14 of 20, with a beta of 1.0 and sector sensitivity as the inputs; this is the strongest pillar and reflects market-level rather than company-specific behavior. The Forensic Balance Sheet pillar scores 13 of 20, supported by an Altman Z-Score of 2.5, a Piotroski F-Score of 5/9, and a Debt/Equity ratio of 0.5. Upside drivers in this framework are limited to balance sheet stability and macro alignment; valuation tradeoffs are difficult to assess because P/E and EV/EBITDA are not available in source data, and the 2.7% dividend yield must be weighed against the 0% ROIC and 0% margins shown in the market data.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$0.0M	$0.0M	$0.0M	N/A	$5.2M	$145.6M	N/A
FY 2024	$0.0M	$0.0M	$0.0M	N/A	$19.2M	$119.4M	N/A
FY 2023	$0.0M	$0.0M	$0.0M	N/A	$27.3M	N/A	N/A

Per the SEC financials section, reported revenue, operating income, and net income are $0.0M across the listed periods, and EPS is N/A. Market data reports 0% gross, operating, and net margins and 0% ROIC. Altman Z-Score (2.5) and Piotroski F-Score (5/9) are cited only within the Roarable RQD rating; their component calculations are not available in source data. Debt/Equity of 0.5 is cited per the Roarable RQD rating. Reported FCF declined from $27.3M in FY 2023 to $5.2M in FY 2025, while reported cash rose from $119.4M in FY 2024 to $145.6M in FY 2025.

Recent Catalysts & News Wire Analysis

Per the recent news and catalysts section, the most recent items are headlines describing Q3 earnings with modest growth (GuruFocus, flagged GREEN as a CATALYST), a report that the company expects more upgrade costs in Q4 following a banking software replacement at a bank (Stock Titan, GREEN, CATALYST), and a Simply Wall St report that the stock cooled despite a Q3 margin lift (YELLOW, MARKET WIRE). Additional items include a MarketBeat report that the share price broke above its 50-day moving average (YELLOW), a MarketScreener report on Q3 earnings results for the period ended September 30, 2026 (YELLOW), and a MarketBeat report on quarterly earnings results (YELLOW). Risk watch items from these headlines include the flagged Q4 upgrade cost expectation. Per the Butterfly Supply-Chain Graph, the supply chain is recorded as NONE, with no butterfly links and no proprietary signals.

Open Questions

What are the P/E (TTM), forward P/E, and EPS (TTM) figures, which are absent from the market data despite a reported net margin of 0%?
What specific revenue, net income, and debt amounts underlie the reported $0.0M figures and N/A debt entries?
What are the components behind the Altman Z-Score of 2.5 and Piotroski F-Score of 5/9?
What is the magnitude and timing of the Q4 banking software upgrade costs referenced in the news wire?
What institutional, insider, or analyst positioning exists, given that the holders and analyst data sections are empty?

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) ↓

🟢 CATALYST GuruFocus • 16h ago

First Northern Community Bancorp (FNRN) Reports Q3 Earnings with Modest Growth

GuruFocus report covering First Northern Community Bancorp (FNRN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Stock Titan • 19h ago

A bank replaced its banking software. First Northern expects more upgrade costs in Q4.

Stock Titan report covering First Northern Community Bancorp (FNRN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 22h ago

First Northern Community Bancorp (FNRN) Stock Cools Despite Q3 Margin Lift

Simply Wall St report covering First Northern Community Bancorp (FNRN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

First Northern Community Bancorp (NASDAQ:FNRN) Share Price Breaks Above 50-Day Moving Average - Time to Sell?

MarketBeat report covering First Northern Community Bancorp (FNRN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE www.marketscreener.com • 1d ago

First Northern Community Bancorp Reports Earnings Results for the Third Quarter Ended September 30, 2026

www.marketscreener.com report covering First Northern Community Bancorp (FNRN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

First Northern Community Bancorp (NASDAQ:FNRN) Announces Quarterly Earnings Results

MarketBeat report covering First Northern Community Bancorp (FNRN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

First Northern Community Bancorp (NASDAQ:FNRN) Shares Climb 0.8% - Here's What Happened

MarketBeat report covering First Northern Community Bancorp (FNRN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST MarketBeat • 1d ago

Wall Street Zen Upgrades First Northern Community Bancorp (NASDAQ:FNRN) to Hold

MarketBeat report covering First Northern Community Bancorp (FNRN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FNRN Bull vs. Bear Conversation Board — What's Your Call at $17.11?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FNRN 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $18.34 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is FNRN (D+ • RQD 54/100) a Buy at $16.98?

Welcome to the FNRN (First Northern Community Bancorp) Roar Pit. Current RQD Composite is 54/100 (Roarable Sell — Weak Fundamentals / Trim) in Savings Institutions. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

MU MultipleCompression Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $14.26 (-16.0%)

Spot @ $16.98

Pump the brakes on FNRN — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on FNRN, but look at what you are paying: current EV/EBITDA multiples with tightening sector spreads. Unless First Northern Community Bancorp expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

SI SiliconVal_Bull Verified K Arena Trader 🐂 BULLISH 🎯 Target: $21.06 (+24.0%)

Spot @ $16.98

FNRN cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on FNRN, the market is fixating on short-term headline noise in Savings Institutions and ignoring the balance sheet and cash flow trajectory. At $16.98 (52-wk range $12.15 - $19.25), any beat on forward guidance forces shorts and underweight funds to chase.