FIRST NORTHERN COMMUNITY BANCORP (FNRN)
Savings Institution, Federally Chartered · Financial Services · $299M
Intrinsic Value (Consensus)
$18.98
Current Price
$18.21
Margin of Safety
+4.2%
4.2% Below Intrinsic Value
Value: $19
Price: $18
Valuation Model Estimates
Current Price: $18.21
DCF (Discounted Cash Flow)
$4.14
Graham Number
$19.21
Earnings Power Value
$12.33
Relative Value (P/E)
$25.40
Dividend Discount Model
Not applicable
—
Consensus Value
$18.98
Model Assumptions
Discount Rate
10.3%
Growth Rate
2.4%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
51
Profitability
15/25
Strength
17/25
Valuation
15/25
Growth
4/25
Key Financials
- EPS (TTM)
- $1.27
- EPS (Forward)
- $1.30
- Book Value
- $12.92
- P/E Ratio
- 20.0
- Forward P/E
- 19.5
- PEG Ratio
- —
- ROE
- 10.0%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 2.4%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance