Which has the lower trailing P/E, FNRN or PMTS?

FNRN has the lower trailing P/E: FNRN trades at 12.78 and PMTS at 21.55. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, FNRN or PMTS?

Over the past five years, PMTS grew revenue faster — FNRN at a 9.62% CAGR versus PMTS at 10.96%.

Is FNRN or PMTS more profitable?

FNRN runs the higher net margin — FNRN at 25.21% versus PMTS at 2.34%.

How have FNRN and PMTS total returns compared?

Over the past 10 years, FNRN delivered 13.41% and PMTS delivered -1.73% annualized total return. Past performance doesn't predict future results.

First Northern Community Bancorp (FNRN) vs CPI Card Group Inc. (PMTS)

A side-by-side comparison of First Northern Community Bancorp and CPI Card Group Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

FNRN

First Northern Community Bancorp

$292M

$17.77Financial ServicesDelayed quote: Oct 6, 2026, 1:19 PM EDT

PMTS

CPI Card Group Inc.

$284M

$24.79Financial ServicesDelayed quote: Oct 6, 2026, 1:14 PM EDT

Total return — FNRN vs PMTS

growth of $100 · dividends reinvested · last 10y

FNRN +251.1% (+13.4%/yr)PMTS -16.2% (-1.8%/yr)FNRN compounded faster over this window

FNRN PMTS

FNRN vs PMTS: by the numbers

•FNRN is the larger company ($292M vs $284M market cap).
•FNRN trades at the lower trailing earnings multiple (12.78 vs 21.55 P/E), one valuation lens rather than an overall verdict.
•FNRN converts more revenue to profit (25.21% vs 2.34% net margin).
•PMTS grew revenue faster over the past five years (10.96% vs 9.62% CAGR).

Metrics side by side

Valuation

Metric	FNRN	PMTS
P/E ratio	12.78	21.55
Forward P/E	N/A	8.30
PEG ratio	1.04	N/A
P/S ratio	3.25	0.48
P/B ratio	1.34	N/A
EV / EBITDA	N/A	6.93
FCF yield	N/A	26.92%

Profitability

Metric	FNRN	PMTS
Gross margin	N/A	30.97%
Operating margin	31.96%	9.22%
Net margin	25.21%	2.34%
ROE	10.42%	N/A
ROIC	N/A	11.81%

First Northern Community Bancorp: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Growth (annualized)

Metric	FNRN	PMTS
Revenue CAGR (5Y)	9.62%	10.96%
EPS CAGR (5Y)	12.61%	-1.73%
FCF CAGR (5Y)	N/A	26.55%
Total return CAGR (5Y)	15.84%	-4.16%

Frequently asked

Which has the lower trailing P/E, FNRN or PMTS?: FNRN has the lower trailing P/E: FNRN trades at 12.78 and PMTS at 21.55. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, FNRN or PMTS?: Over the past five years, PMTS grew revenue faster — FNRN at a 9.62% CAGR versus PMTS at 10.96%.
Is FNRN or PMTS more profitable?: FNRN runs the higher net margin — FNRN at 25.21% versus PMTS at 2.34%.
How have FNRN and PMTS total returns compared?: Over the past 10 years, FNRN delivered 13.41% and PMTS delivered -1.73% annualized total return. Past performance doesn't predict future results.

Go deeper

Full FNRN analysis Full PMTS analysis Interactive comparison tool

Dig into the metrics

First Northern Community Bancorp P/E ratio CPI Card P/E ratio First Northern Community Bancorp ROE CPI Card ROE First Northern Community Bancorp operating margin CPI Card operating margin First Northern Community Bancorp revenue growth CPI Card revenue growth CPI Card free cash flow

First Northern Community Bancorp & CPI Card appear in these rankings

Highest Operating Margin Stocks Highest FCF Yield Stocks Highest 10-Year Total Return Stocks Lowest P/E Ratio Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.