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Vol. II · No. 255Saturday, 12 September 2026
TTitan Protect
The Screen · Financials · Banks - Regional

First Northern Community Bancorp

FNRN · NASDAQ · USD · Market cap $297M · 204 employees

First Northern Community Bancorp operates as the bank holding company for First Northern Bank of Dixon that provides commercial banking products and services to individuals, and small and medium sized businesses.

FAIL · Does not pass the screen
18.10 USD

At the last full screen
2026-06-14

Screened 2026-06-14 · the tape above runs as of 22:12 UTC · 11 Sep · two dates, stated on purpose · verdict and workings shown in full · never trimmed

The Label · The Season, Not the Day

This name holds its distribution label.

First Northern Community Bancorp holds its Distribution at $18.10. Consolidating, no directional conviction, held for 16 days.

As held on the ledger · 2026-06-14
PhaseDistribution · caution
Quantitative stateConsolidating, no directional conviction, held for 16 days
Price at the screen$18.10
Valuation14.03 trailing · N/A forward price to earnings
Values screenFAIL · score 30.0
Beta0.02
The Workings

Five Screens, Shown in Full

Does not pass. Excluded industry: Banks - Regional

TestFigureLimitWhat it meansStatus
Business activity Excluded Core business clean Excluded industry: Banks - Regional Fail
Debt load Excluded Below 33% Interest-bearing debt is of its assets, above the one-third ceiling the screen allows. Fail
Interest-bearing cash Excluded Below 33% Interest-bearing cash and securities are of assets, above the one-third limit. Fail
Receivables Excluded Below 49% Money owed to the company is of assets, above the 49% limit. Fail
Revenue purity Excluded Below 5% of revenue comes from non-compliant sources, over the 5% line. Fail

Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.

The Business, in Plain Words
The fundamentals · plain-English read
Trailing P/E14.0xreasonably valued
EPS, trailing1.29
Revenue growth+12.7%steady growth
Profit margin30.9%highly profitable on every dollar of sales
Return on equity11.6%a modest return on shareholder capital
Beta0.02barely tracks the market's swings
52-week range9.24 - 18.24
MoatNONE
Market cap$297M
Employees204

The risks · The things to watch: it's a small-cap, so the share price can swing harder than the market.

Plain-English interpretation of our own screen data. Analysis, not advice.

Where & How to Trade

FNRN trades on NASDAQ. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.

The Dated Journal · Newest First, Never Edited

Every Entry, As Written

2026-08-29 Distribution · changed $18.10 +0.0% Entry 5

The framework has shifted from markup to distribution since the last review. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 25% above its long-term trend line with momentum reading oversold. Over the past year the shares are up 91%. Our forward projection puts the odds of a 10% gain over the next month near 18%.

2026-07-30 Markup · changed $18.10 +0.0% Entry 4

The framework has shifted from distribution to markup since the last review. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 25% above its long-term trend line with momentum reading oversold. Over the past year the shares are up 91%. Our forward projection puts the odds of a 10% gain over the next month near 18%.

2026-07-18 Distribution $18.10 +0.0% Entry 3

The framework reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 25% above its long-term trend line with momentum reading oversold. Over the past year the shares are up 91%. Our forward projection puts the odds of a 10% gain over the next month near 18%.

2026-07-03 Distribution $18.10 +0.0% Entry 2

The framework reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.

2026-07-02 Distribution $18.10 Entry 1

The framework reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.

Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.

What Holding Actually Paid · Price Plus Dividends
If $1,000 had been placed · historical, not a promise
PeriodPrice thenPrice returnDivs per share$1,000 becameTotal return
1 month $17.85 -0.1% · $999 -0.1%
2 months $15.47 +15.3% · $1,153 +15.3%
3 months $14.09 +26.6% · $1,266 +26.6%
6 months $12.82 +39.2% · $1,392 +39.2%
1 year $9.32 +91.3% · $1,913 +91.3%
2 years $8.06 +121.2% · $2,212 +121.2%
3 years $6.13 +190.9% · $2,909 +190.9%
5 years $8.92 +99.9% · $1,999 +99.9%

Historical returns from market close data. Past performance does not guarantee future results.

The Ledger's Promise

This entry now belongs to the ledger. Whatever FNRN does next, these words stay.

First Northern Community Bancorp · FNRN · Distribution · $18.10
Recorded 2026-06-14 · before the outcome · scored mechanically

All of today's entries → See the running score →
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