First Northern Community Bancorp (FNRN)
Financial Services
- Fundamental
- 3
- Sentiment
- 2
- Technical
- 2
Do Nothing: qualitativeScore is 2 (below required floor of 3) - the upstream qualitative screen flagged soft/declining earnings with no positive catalyst and no chart pattern overrides it. Liquidity also fails: 20-day average dollar volume ~$1.70M is below the $5M floor and the recent 3-session average ~$1.07M is below the $1.5M recent-liquidity floor.
Company overview
First Northern Community Bancorp is the holding company for First Northern Bank of Dixon, offering a range of commercial banking products and services. It provides deposit accounts, various loan types, and additional services such as investment, brokerage, and equipment leasing. The company operates multiple branches across California and was founded in 1910.
Fundamental
fairThe bank is profitable and well-capitalized, but faces risks from CRE concentration 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
weakSentiment is weak with no positive catalysts and a sparse baseline.
Lone in-window signal is a trailing Q2-2026 earnings print the media read as a decline (net income $4.7M, EPS -12% YoY; announced confidence, partially priced, bearish), with sentiment delta indeterminate on a sparse baseline and zero retail mention velocity; legal screen clean and no severe or moderate red flags fired, but with no positive catalyst and no forward-dated event the setup is weak/absent.
Technical
weakThe stock is in a short-term downtrend with weak momentum and low liquidity.
Short-term frame is a downtrend: price 16.81 sits below SMA20 (17.56), SMA50 (17.87), EMA9 (17.33), EMA21 (17.54) and session VWAP (17.08); MACD is negative (-0.20) and below its signal (-0.16); ADX 44.59 is high with price falling = strong DOWN trend on the strategy's 1-15 day horizon. RSI 33.25 is weak but not yet oversold and Williams %R (-57.5) is mid-range. The only bullish element is the long frame (price above SMA200 15.51), which is not the trading horizon. Bounce-only at best -> score 2.
You’re looking at 2026-08-27 — more than 2 trading days ago.
Subscribers saw this then, and see today’s score, verdict and trade plan now.
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