Jeffrey Adamski - First Northern Exec Officer

FNRN Stock

USD 9.86 0.14 1.40%

Insider

Jeffrey Adamski is Exec Officer of First Northern Community

Age	65
Phone	707 678 3041
Web	https://www.thatsmybank.com

First Northern Management Efficiency

First Northern's management efficiency ratios could be used to measure how well First Northern manages its routine affairs as well as how well it operates its assets and liabilities.

Compare First Northern to Peers

Predict price of First Northern

First Northern Community currently holds 5.84 M in liabilities with Debt to Equity (D/E) ratio of 11.17, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist First Northern until it has trouble settling it off, either with new capital or with free cash flow. So, First Northern's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like First Northern Community sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for First to invest in growth at high rates of return. When we think about First Northern's use of debt, we should always consider it together with cash and equity.

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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 to medium sized businesses. First Northern Community Bancorp was founded in 1910 and is headquartered in Dixon, California. First Northern operates under BanksRegional classification in the United States and is traded on OTC Exchange. It employs 190 people. First Northern Community [FNRN] is traded as part of a regulated electronic over-the-counter service offered by the NASD.

Management Performance

	Return On Equity	0.11
	Return On Asset	0.0074

First Northern Community Leadership Team

Elected by the shareholders, the First Northern's board of directors comprises two types of representatives: First Northern inside directors who are chosen from within the company, and outside directors, selected externally and held independent of First. The board's role is to monitor First Northern's management team and ensure that shareholders' interests are well served. First Northern's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, First Northern's outside directors are responsible for providing unbiased perspectives on the board's policies.

	Jeremiah Smith, CFO, COO, Executive VP, CFO of First Northern Bank, COO of First Northern Bank and Sr. Executive VP of First Northern Bank
	Terry Danelson, Ex Officer
	Louise Walker, CEO and President Director, CEO of First Northern Bank and President of First Northern Bank and Director of First Northern Bank
	Libby Feyh, VP Director
	Cathleen Gorham, VP Administrator
	Jeffrey Adamski, Exec Officer
	Devon CamaraSoucy, IR Contact
	Denise Burris, Ex Officer
	Kevin CPA, Ex CFO
	Kimberly DeBra, Ex Officer

First Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right otc stock is not an easy task. Is First Northern a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

	Return On Equity	0.11
	Return On Asset	0.0074
	Profit Margin	0.25 %
	Operating Margin	0.34 %
	Current Valuation	(196.17 M)
	Shares Outstanding	13.92 M
	Shares Owned By Insiders	8.31 %
	Shares Owned By Institutions	11.50 %
	Price To Earning	9.17 X
	Price To Book	1.02 X

Pair Trading with First Northern

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if First Northern position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in First Northern will appreciate offsetting losses from the drop in the long position's value.

Moving together with First OTC Stock

0.82

Ecopetrol SA ADR

Pair Corr

Moving against First OTC Stock

0.83	BAC	Bank of America Fiscal Year End 10th of January 2025	Pair Corr
0.81	JPM	JPMorgan Chase Fiscal Year End 10th of January 2025	Pair Corr
0.78	AA	Alcoa Corp Fiscal Year End 15th of January 2025	Pair Corr
0.77	PTAIF	PT Astra International	Pair Corr
0.76	TRV	The Travelers Companies Fiscal Year End 17th of January 2025	Pair Corr

The ability to find closely correlated positions to First Northern could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace First Northern when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back First Northern - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling First Northern Community to buy it.

The correlation of First Northern is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as First Northern moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if First Northern Community moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.

Correlation analysis and pair trading evaluation for First Northern can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.

Pair Correlation Correlation Matching

Other Information on Investing in First OTC Stock

First Northern financial ratios help investors to determine whether First OTC Stock is cheap or expensive when compared to a particular measure, such as profits or enterprise value. In other words, they help investors to determine the cost of investment in First with respect to the benefits of owning First Northern security.

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