First Northern Community Bancorp cash flow to debt ratio of 119.03% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

First Northern Community Bancorp's free cash flow has decreased 72.92% from $19.19M last year to $5.20M, signaling decreasing performance

First Northern Community Bancorp's debt to equity ratio is 0.00, which means that the company's assets are healthy financed, signaling financial stability.

First Northern Community Bancorp has insufficient data to evaluate this check.

First Northern Community Bancorp has a net cash position, so leverage is healthy.

First Northern Community Bancorp earns at least as much interest as it pays. Interest obligations are fully covered.

First Northern Community Bancorp's profit margin has increased (6.55%) in the last year from 23.66% to 25.21%, signaling increasing performance

First Northern Community Bancorp's short-term assets of $152.90M exceed its short-term liabilities of $1.09M

First Northern Community Bancorp's return on assets of 1.17% is lower than the 5.00% threshold, indicating inefficient asset utilization

First Northern Community Bancorp's return on equity of 10.68%, is lower than 15.00%, indicating bad performance

First Northern Community Bancorp's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

First Northern Community Bancorp had positive net income in 5 out of 5 years, indicating stable and consistent earnings

First Northern Community Bancorp has positive free cash flow, indicating the company generates cash after capital expenditures

First Northern Community Bancorp has a free cash flow yield of 1.83%, which is below the 2.00% threshold, indicating limited cash return relative to market value

First Northern Community Bancorp's yearly earnings has increased 5.46% since last year from $20.03M to $21.13M, signaling increasing performance

First Northern Community Bancorp's yearly revenue has increased 4.41% since last year from $84.67M to $88.40M, signaling increasing performance

ROIC 3.03% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

First Northern Community Bancorp's 3-year revenue CAGR of 12.06% is positive, indicating growing revenue over the past 3 years

First Northern Community Bancorp had revenue growth in 4 out of 5 years, indicating consistent revenue performance

First Northern Community Bancorp had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

First Northern Community Bancorp has insufficient data to evaluate this check.

First Northern Community Bancorp has an earnings yield of 8.09%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

First Northern Community Bancorp is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

First Northern Community Bancorp has an EV/EBITDA ratio of 4.94x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

First Northern Community Bancorp is undervalued relative to its fair value price of 33.73 based on Earnings Fair Value model

First Northern Community Bancorp has a PEG-ratio over 1 which is considered overvalued

First Northern Community Bancorp has a price-to-book ratio of 1.29x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

First Northern Community Bancorp has a price-to-sales ratio of 3.12x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue