First Northern Community Bancorp
Financial ratios & Valuation

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
12.5011.4512.0518.569.769.5011.189.667.326.247.079.50
Price/Sales ratio
1.982.002.303.452.372.572.462.531.881.871.822.57
Price/Book Value ratio
0.790.921.051.621.091.050.900.900.930.840.891.05
Price/Cash Flow ratio
7.035.859.9910.097.818.4410.805.425.344.955.158.44
Price/Free Cash Flow ratio
7.406.0411.0510.928.339.0111.595.605.435.185.239.01
Price/Earnings Growth ratio
0.680.550.702.040.230.80-0.500.390.840.170.930.23
Dividend Yield
0.18%0.13%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%N/A0.00%
Profitability Indicator Ratios
Gross Profit Margin
49.30%100%100%100%100%100%100%100%100%100%N/A100%
Operating Profit Margin
23.38%26.94%30.73%36.25%36.00%37.53%30.19%35.88%37.07%50.70%N/A37.53%
Pretax Profit Margin
23.38%26.94%30.73%36.25%33.54%37.53%30.19%35.88%35.15%41.24%35.15%33.54%
Net Profit Margin
15.85%17.49%19.12%18.58%24.34%27.09%22.03%26.20%25.77%29.98%25.77%24.34%
Effective Tax Rate
32.21%35.08%37.76%48.74%27.42%27.80%27.01%26.97%26.68%27.29%26.68%27.80%
Return on Assets
0.61%0.66%0.69%0.71%1.00%1.13%0.73%0.74%0.84%1.15%0.84%1.13%
Return On Equity
6.37%8.06%8.72%8.74%11.16%11.07%8.07%9.40%12.70%13.53%12.71%11.16%
Return on Capital Employed
0.91%1.03%1.11%1.41%1.50%1.60%1.02%1.03%1.23%1.94%N/A1.60%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Quick Ratio
0.4436.0259.1346.5044.7328.6938.1668.4153.80N/AN/A28.69
Cash ratio
26.0820.3916.3212.039.675.9910.6918.0710.71N/AN/A5.99
Days of Sales Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A34.02N/A
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
170.73N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
-170.73N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A0.93N/A
Debt Equity Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A13.96N/A
Long-term Debt to Capitalization
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Total Debt to Capitalization
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Flow to Debt Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Company Equity Multiplier
10.4012.1612.6412.1711.119.7210.9812.5814.9611.7514.9611.11
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.280.340.230.340.300.300.220.460.350.370.350.30
Free Cash Flow / Operating Cash Flow Ratio
0.940.960.900.920.930.930.930.960.980.950.980.93
Cash Flow Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Dividend Payout Ratio
2.29%1.60%0.06%0.11%0.07%0.05%0.06%0.05%0.05%0.03%N/A0.05%