FNRN
First Northern Community Bancorp
FNRN has lower modeled downside risk, despite its lower overall score.
GS
The Goldman Sachs Group, Inc.
GS has the edge over FNRN overall, supported by stronger valuation and stronger fundamentals.
FNRN Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
FNRN's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like FNRN.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
FNRN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 10x | $13.75 | -19% |
| Fair | 12x | $15.50 | -8.8% |
| Expensive | 13x | $17.50 | +2.9% |
| Current | 13x | $17.00 | — |
Historical ranges are pointers, not guarantees.
FNRN has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
FNRN Forward outlook
There aren't enough analyst estimates for FNRN to show an outlook.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
FNRN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $1.34 | +11% |
| Q2 2026 | $1.32 | +13% |
| Q1 2026 | $1.37 | +25% |
| Q4 2025 | $1.22 | +7% |
| Q3 2025 | $1.21 | 0% |
| Q2 2025 | $1.17 | +0.9% |
| Q1 2025 | $1.10 | -5.2% |
| Q4 2024 | $1.14 | -8.1% |
FNRN earned $1.34 per share over the past year, up 11% from the year before.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over FNRN on earnings, with more consistent year-over-year improvement.
FNRN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $21M | +13% |
| Q2 2026 | $18.8M | +1.5% |
| Q1 2026 | $18.9M | +8.9% |
| Q4 2025 | $19.2M | +6.5% |
| Q3 2025 | $18.5M | +2.6% |
| Q2 2025 | $18.5M | +5.9% |
| Q1 2025 | $17.4M | +3.1% |
| Q4 2024 | $18M | -3.1% |
FNRN's revenue has grown year over year for seven quarters in a row: $21M last quarter, up 13% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | +3.9 points |
| Q2 2026 | 33% | -8 points |
| Q1 2026 | 40% | +12 points |
| Q4 2025 | 43% | -2 points |
| Q3 2025 | 36% | -6.9 points |
| Q2 2025 | 41% | +6.1 points |
| Q1 2025 | 28% | -6.7 points |
| Q4 2024 | 45% | -5.9 points |
FNRN has the edge over GS on profitability, with a higher operating margin.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS has the edge over FNRN on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
FNRN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.9M | +$11.4M |
| Q2 2026 | $2.9M | +32% |
| Q1 2026 | $3.8M | +13% |
| Q4 2025 | $7.1M | +15% |
| Q3 2025 | -$7.5M | -195% |
| Q2 2025 | $2.2M | -9% |
| Q1 2025 | $3.3M | +25% |
| Q4 2024 | $6.2M | +192% |
FNRN has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
FNRN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -31.4K shares |
| 1 year | -0.5% | -90.3K shares |
| 3 years | -2.7% | -453K shares |
| 5 years | -4.7% | -807K shares |
| Available history | -4.9% | -850K shares |
FNRN has 16M diluted shares, down 0.5% from a year ago, with $5M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.8M |
| Q2 2026 | $244,000 |
| Q1 2026 | $1.2M |
| Q4 2025 | $1.5M |
| Q3 2025 | $1.1M |
| Q2 2025 | $876,000 |
| Q1 2025 | $1.3M |
| Q4 2024 | $969,000 |
FNRN spent $5M buying back its own shares over the past year, up 11% from the year before.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over FNRN on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
FNRN Net Leverage
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like GS.
FNRN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.4 | Neutral |
| Stochastic | 39.7 | Neutral |
FNRN's weekly RSI is 51 (neutral) and its Stochastic is 40 (neutral).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
FNRN PE vs Financial Services Sector
| Metric | FNRN | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 2.5% below |
| PE % | 64 | 25 | 39 pts above |
FNRN has the edge over GS on valuation relative to its sector.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
FNRN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $17.0 | 0.2% above |
| 20 week MA | $17.4 | 2.1% below |
| 50 week MA | $16.1 | 5.9% above |
FNRN has stronger trend alignment. FNRN is above 2 of 3 weekly averages versus GS above 3 of 5.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
FNRN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2025 | $9.34 | $13.4 | +44% |
| 2026 YTD | $13.4 | $17.0 | +27% |
FNRN has the edge over GS on returns for 2026, with the stronger performance.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.