34.39 USD
-0.12 (-0.35%)
We assign a fundamental rating of 4 out of 10 to BPRN. BPRN was compared to 387 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. While showing a medium growth rate, BPRN is valued expensive at the moment. Finally BPRN also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
BPRN had positive earnings in the past year.
BPRN had a positive operating cash flow in the past year.
Each year in the past 5 years BPRN has been profitable.
In the past 5 years BPRN always reported a positive cash flow from operatings.
1.2 Ratios
BPRN has a Return On Assets (0.80%) which is comparable to the rest of the industry.
With a Return On Equity value of 6.66%, BPRN is not doing good in the industry: 68.48% of the companies in the same industry are doing better.
| 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
The Profit Margin of BPRN (21.25%) is worse than 62.02% 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.
BPRN has more shares outstanding than it did 1 year ago.
The number of shares outstanding for BPRN has been increased compared to 5 years ago.
BPRN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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
WACC8.66%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BPRN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -12.29%.
The Earnings Per Share has been growing by 14.24% on average over the past years. This is quite good.
Looking at the last year, BPRN shows a quite strong growth in Revenue. The Revenue has grown by 15.36% in the last year.
Measured over the past years, BPRN shows a quite strong growth in Revenue. The Revenue has been growing by 10.74% on average per year.
EPS 1Y (TTM)-12.29%
EPS 3Y-4.66%
EPS 5Y14.24%
EPS Q2Q%50.79%
Revenue 1Y (TTM)15.36%
Revenue growth 3Y3.55%
Revenue growth 5Y10.74%
Sales Q2Q%14.67%
3.2 Future
The Earnings Per Share is expected to grow by 13.50% on average over the next years. This is quite good.
Based on estimates for the next years, BPRN will show a quite strong growth in Revenue. The Revenue will grow by 10.49% on average per year.
EPS Next Y-2.99%
EPS Next 2Y14.82%
EPS Next 3Y13.5%
EPS Next 5YN/A
Revenue Next Year14.49%
Revenue Next 2Y11.68%
Revenue Next 3Y10.49%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 13.38, the valuation of BPRN can be described as correct.
The rest of the industry has a similar Price/Earnings ratio as BPRN.
BPRN is valuated rather cheaply when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.12, the valuation of BPRN can be described as reasonable.
Based on the Price/Forward Earnings ratio, BPRN is valued a bit cheaper than 66.41% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.59. BPRN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.38 | ||
| Fwd PE | 9.12 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BPRN is valued a bit more expensive than the industry average as 69.77% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.8 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
BPRN's earnings are expected to grow with 13.50% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)0.94
EPS Next 2Y14.82%
EPS Next 3Y13.5%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.06%, BPRN is a good candidate for dividend investing.
BPRN's Dividend Yield is rather good when compared to the industry average which is at 3.23. BPRN pays more dividend than 81.65% of the companies in the same industry.
BPRN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.06% |
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.
BPRN has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)43.51%
Div Incr Years0
Div Non Decr Years6
5.3 Sustainability
BPRN pays out 46.56% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of BPRN is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP46.56%
EPS Next 2Y14.82%
EPS Next 3Y13.5%
NASDAQ:BPRN (11/28/2025, 8:15:21 PM)
34.39
-0.12 (-0.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners43.91%
Inst Owner Change0.35%
Ins Owners25.87%
Ins Owner Change6.47%
Market Cap232.48M
Revenue(TTM)83.57M
Net Income(TTM)17.76M
Analysts80
Price Target34.94 (1.6%)
Short Float %0.78%
Short Ratio3.74
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.06% |
Yearly Dividend1.15
Dividend Growth(5Y)43.51%
DP46.56%
Div Incr Years0
Div Non Decr Years6
Ex-Date
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)0%
PT rev (3m)0%
EPS NQ rev (1m)2.95%
EPS NQ rev (3m)2.95%
EPS NY rev (1m)3.16%
EPS NY rev (3m)3.16%
Revenue NQ rev (1m)-3.01%
Revenue NQ rev (3m)-2.82%
Revenue NY rev (1m)0.24%
Revenue NY rev (3m)-0.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.38 | ||
| Fwd PE | 9.12 | ||
| P/S | 2.78 | ||
| P/FCF | 18.8 | ||
| P/OCF | 16.95 | ||
| P/B | 0.87 | ||
| P/tB | 0.93 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.57
EY7.47%
EPS(NY)3.77
Fwd EY10.96%
FCF(TTM)1.83
FCFY5.32%
OCF(TTM)2.03
OCFY5.9%
SpS12.38
BVpS39.5
TBVpS36.93
PEG (NY)N/A
PEG (5Y)0.94
Graham Number47.79
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
WACC8.66%
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)-12.29%
EPS 3Y-4.66%
EPS 5Y14.24%
EPS Q2Q%50.79%
EPS Next Y-2.99%
EPS Next 2Y14.82%
EPS Next 3Y13.5%
EPS Next 5YN/A
Revenue 1Y (TTM)15.36%
Revenue growth 3Y3.55%
Revenue growth 5Y10.74%
Sales Q2Q%14.67%
Revenue Next Year14.49%
Revenue Next 2Y11.68%
Revenue Next 3Y10.49%
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.
What is the valuation status for BPRN stock?
ChartMill assigns a valuation rating of 3 / 10 to PRINCETON BANCORP INC (BPRN). This can be considered as Overvalued.
Can you provide the profitability details for PRINCETON BANCORP INC?
PRINCETON BANCORP INC (BPRN) has a profitability rating of 2 / 10.
What are the PE and PB ratios of PRINCETON BANCORP INC (BPRN) stock?
The Price/Earnings (PE) ratio for PRINCETON BANCORP INC (BPRN) is 13.38 and the Price/Book (PB) ratio is 0.87.
Can you provide the dividend sustainability for BPRN stock?
The dividend rating of PRINCETON BANCORP INC (BPRN) is 7 / 10 and the dividend payout ratio is 46.56%.