36.01 USD
-0.1 (-0.28%)
At close: Feb 10, 2026
36.01 USD
0 (0%)
After Hours: 2/10/2026, 4:10:08 PM
BPRN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. BPRN scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. BPRN has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- BPRN had positive earnings in the past year.
- In the past year BPRN had a positive cash flow from operations.
- BPRN had positive earnings in 4 of the past 5 years.
- BPRN had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- The Return On Assets of BPRN (0.80%) is comparable to the rest of the industry.
- BPRN has a worse Return On Equity (6.66%) than 67.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.8% | ||
| ROE | 6.66% | ||
| ROIC | N/A |
ROA(3y)1.15%
ROA(5y)1.13%
ROE(3y)8.9%
ROE(5y)8.74%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- BPRN's Profit Margin of 21.25% is on the low side compared to the rest of the industry. BPRN is outperformed by 62.99% of its industry peers.
- In the last couple of years the Profit Margin of BPRN has declined.
- BPRN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 21.25% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-25.7%
PM growth 5Y-9.52%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- BPRN does not have a ROIC to compare to the WACC, probably because it is not profitable.
- There is no outstanding debt for BPRN. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
- There is no outstanding debt for BPRN. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.86%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- BPRN shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.90%.
- Measured over the past 5 years, BPRN shows a small growth in Earnings Per Share. The EPS has been growing by 6.24% on average per year.
EPS 1Y (TTM)-4.9%
EPS 3Y-12.85%
EPS 5Y6.24%
EPS Q2Q%20%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%3.46%
3.2 Future
- Based on estimates for the next years, BPRN will show a very strong growth in Earnings Per Share. The EPS will grow by 23.62% on average per year.
- Based on estimates for the next years, BPRN will show a quite strong growth in Revenue. The Revenue will grow by 8.59% on average per year.
EPS Next Y40.63%
EPS Next 2Y23.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.53%
Revenue Next 2Y8.59%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- BPRN is valuated correctly with a Price/Earnings ratio of 13.24.
- BPRN's Price/Earnings is on the same level as the industry average.
- BPRN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.06.
- BPRN is valuated reasonably with a Price/Forward Earnings ratio of 9.41.
- Based on the Price/Forward Earnings ratio, BPRN is valued a bit cheaper than the industry average as 79.79% of the companies are valued more expensively.
- The average S&P500 Price/Forward Earnings ratio is at 27.86. BPRN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.24 | ||
| Fwd PE | 9.41 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of BPRN indicates a slightly more expensive valuation: BPRN is more expensive than 70.08% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.71 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- BPRN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as BPRN's earnings are expected to grow with 23.62% in the coming years.
PEG (NY)0.33
PEG (5Y)2.12
EPS Next 2Y23.62%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.87%, BPRN has a reasonable but not impressive dividend return.
- BPRN's Dividend Yield is rather good when compared to the industry average which is at 2.53. BPRN pays more dividend than 85.04% of the companies in the same industry.
- BPRN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.87% |
5.2 History
- On average, the dividend of BPRN grows each year by 43.51%, which is quite nice.
- BPRN has been paying a dividend for over 5 years, so it has already some track record.
- As BPRN did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)43.51%
Div Incr Years0
Div Non Decr Years6
5.3 Sustainability
- 46.56% of the earnings are spent on dividend by BPRN. This is a bit on the high side, but may be sustainable.
- BPRN's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP46.56%
EPS Next 2Y23.62%
EPS Next 3YN/A
36.01
-0.1 (-0.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29 2026-01-29/amc
Earnings (Next)04-22 2026-04-22
Inst Owners43.85%
Inst Owner Change0.06%
Ins Owners25.86%
Ins Owner Change4.16%
Market Cap243.43M
Revenue(TTM)N/A
Net Income(TTM)17.76M
Analysts80
Price Target38.25 (6.22%)
Short Float %0.98%
Short Ratio3.84
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.87% |
Yearly Dividend1.15
Dividend Growth(5Y)43.51%
DP46.56%
Div Incr Years0
Div Non Decr Years6
Ex-Date02-04 2026-02-04 (0.35)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)217.13%
Min EPS beat(2)7.47%
Max EPS beat(2)426.8%
EPS beat(4)2
Avg EPS beat(4)104.64%
Min EPS beat(4)-14.17%
Max EPS beat(4)426.8%
EPS beat(8)6
Avg EPS beat(8)72.68%
EPS beat(12)10
Avg EPS beat(12)77.05%
EPS beat(16)14
Avg EPS beat(16)59.38%
Revenue beat(2)0
Avg Revenue beat(2)-4.48%
Min Revenue beat(2)-4.79%
Max Revenue beat(2)-4.18%
Revenue beat(4)0
Avg Revenue beat(4)-4.45%
Min Revenue beat(4)-8.24%
Max Revenue beat(4)-0.6%
Revenue beat(8)0
Avg Revenue beat(8)-4.19%
Revenue beat(12)1
Avg Revenue beat(12)-3.37%
Revenue beat(16)5
Avg Revenue beat(16)0.03%
PT rev (1m)9.49%
PT rev (3m)9.49%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.78%
Revenue NY rev (1m)-5.26%
Revenue NY rev (3m)-3.44%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.24 | ||
| Fwd PE | 9.41 | ||
| P/S | 2.91 | ||
| P/FCF | 19.71 | ||
| P/OCF | 17.77 | ||
| P/B | 0.91 | ||
| P/tB | 0.98 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.72
EY7.55%
EPS(NY)3.83
Fwd EY10.62%
FCF(TTM)1.83
FCFY5.07%
OCF(TTM)2.03
OCFY5.63%
SpS12.36
BVpS39.44
TBVpS36.87
PEG (NY)0.33
PEG (5Y)2.12
Graham Number49.13
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.8% | ||
| ROE | 6.66% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 21.25% | ||
| GM | N/A | ||
| FCFM | 14.78% |
ROA(3y)1.15%
ROA(5y)1.13%
ROE(3y)8.9%
ROE(5y)8.74%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-25.7%
PM growth 5Y-9.52%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 50.62% | ||
| Cap/Sales | 1.61% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 69.54% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC8.86%
ROIC/WACCN/A
Cap/Depr(3y)61.04%
Cap/Depr(5y)81.63%
Cap/Sales(3y)1.65%
Cap/Sales(5y)2.5%
Profit Quality(3y)100.08%
Profit Quality(5y)92.19%
High Growth Momentum
Growth
EPS 1Y (TTM)-4.9%
EPS 3Y-12.85%
EPS 5Y6.24%
EPS Q2Q%20%
EPS Next Y40.63%
EPS Next 2Y23.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%3.46%
Revenue Next Year10.53%
Revenue Next 2Y8.59%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-53.02%
FCF growth 3Y4.09%
FCF growth 5Y0.19%
OCF growth 1Y-50.69%
OCF growth 3Y4.52%
OCF growth 5Y-2.89%
PRINCETON BANCORP INC / BPRN FAQ
What is the ChartMill fundamental rating of PRINCETON BANCORP INC (BPRN) stock?
ChartMill assigns a fundamental rating of 4 / 10 to BPRN.
Can you provide the valuation status for PRINCETON BANCORP INC?
ChartMill assigns a valuation rating of 5 / 10 to PRINCETON BANCORP INC (BPRN). This can be considered as Fairly Valued.
Can you provide the profitability details for PRINCETON BANCORP INC?
PRINCETON BANCORP INC (BPRN) has a profitability rating of 2 / 10.
Can you provide the financial health for BPRN stock?
The financial health rating of PRINCETON BANCORP INC (BPRN) is 4 / 10.
Is the dividend of PRINCETON BANCORP INC sustainable?
The dividend rating of PRINCETON BANCORP INC (BPRN) is 6 / 10 and the dividend payout ratio is 46.56%.