BPRN Fundamental Analysis - PRINCETON BANCORP INC

Fundamental Rating

Overall BPRN gets a fundamental rating of 4 out of 10. We evaluated BPRN against 393 industry peers in the Banks industry. While BPRN seems to be doing ok healthwise, there are quite some concerns on its profitability. BPRN is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year BPRN was profitable.

BPRN had a positive operating cash flow in the past year.

BPRN had positive earnings in each of the past 5 years.

BPRN had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

BPRN has a worse Return On Assets (0.49%) than 75.57% of its industry peers.

BPRN has a Return On Equity of 4.22%. This is amonst the worse of the industry: BPRN underperforms 80.15% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.49%
ROE	4.22%
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

Looking at the Profit Margin, with a value of 14.42%, BPRN is doing worse than 76.84% of the companies in the same industry.

BPRN's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for BPRN so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	14.42%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

Compared to 5 years ago, BPRN has more shares outstanding

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

BPRN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	N/A

ROIC/WACCN/A

WACC9.02%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for BPRN have decreased strongly by -35.53% in the last year.

Measured over the past years, BPRN shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.24% on average per year.

The Revenue has grown by 12.23% in the past year. This is quite good.

The Revenue has been growing by 10.74% on average over the past years. This is quite good.

EPS 1Y (TTM)-35.53%

EPS 3Y-4.66%

EPS 5Y14.24%

EPS Q2Q%-87.5%

Revenue 1Y (TTM)12.23%

Revenue growth 3Y3.55%

Revenue growth 5Y10.74%

Sales Q2Q%17.8%

3.2 Future

The Earnings Per Share is expected to grow by 17.28% on average over the next years. This is quite good.

The Revenue is expected to grow by 15.03% on average over the next years. This is quite good.

EPS Next Y-10.36%

EPS Next 2Y17.28%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year14.58%

Revenue Next 2Y15.03%

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.42, which indicates a correct valuation of BPRN.

Based on the Price/Earnings ratio, BPRN is valued a bit more expensive than the industry average as 61.83% of the companies are valued more cheaply.

Compared to an average S&P500 Price/Earnings ratio of 27.25, BPRN is valued rather cheaply.

A Price/Forward Earnings ratio of 7.67 indicates a rather cheap valuation of BPRN.

BPRN's Price/Forward Earnings ratio is rather cheap when compared to the industry. BPRN is cheaper than 82.44% of the companies in the same industry.

BPRN is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.80, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	13.42
Fwd PE	7.67

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BPRN is valued a bit more expensive than the industry average as 75.83% of the companies are valued more cheaply.

		Industry Rank	Sector Rank
P/FCF	22.02
EV/EBITDA	N/A

4.3 Compensation for Growth

BPRN's earnings are expected to grow with 17.28% in the coming years. This may justify a more expensive valuation.

PEG (NY)N/A

PEG (5Y)0.94

EPS Next 2Y17.28%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.82%, BPRN has a reasonable but not impressive dividend return.

BPRN's Dividend Yield is a higher than the industry average which is at 3.33.

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	3.82%

5.2 History

The dividend of BPRN is nicely growing with an annual growth rate of 43.51%!

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 69.18% of its income as dividend. This is not a sustainable payout ratio.

The dividend of BPRN is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP69.18%

EPS Next 2Y17.28%

EPS Next 3YN/A

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PRINCETON BANCORP INC

NASDAQ:BPRN (7/31/2025, 4:30:01 PM)

After market: 30.19 0 (0%)

30.19

-0.3 (-0.98%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/amc

Earnings (Next)N/A N/A

Inst Owners44.61%

Inst Owner Change0.26%

Ins Owners24.78%

Ins Owner Change7.51%

Market Cap209.22M

Analysts80

Price Target33.92 (12.36%)

Short Float %0.82%

Short Ratio4

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.82%

Yearly Dividend1.15

Dividend Growth(5Y)43.51%

DP69.18%

Div Incr Years0

Div Non Decr Years6

Ex-Date05-06 2025-05-06 (0.3)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-7.85%

Min EPS beat(2)-14.17%

Max EPS beat(2)-1.53%

EPS beat(4)2

Avg EPS beat(4)35.05%

Min EPS beat(4)-14.17%

Max EPS beat(4)142.22%

EPS beat(8)6

Avg EPS beat(8)61.01%

EPS beat(12)10

Avg EPS beat(12)41.7%

EPS beat(16)13

Avg EPS beat(16)33.19%

Revenue beat(2)0

Avg Revenue beat(2)-4.42%

Min Revenue beat(2)-8.24%

Max Revenue beat(2)-0.6%

Revenue beat(4)0

Avg Revenue beat(4)-3.37%

Min Revenue beat(4)-8.24%

Max Revenue beat(4)-0.6%

Revenue beat(8)0

Avg Revenue beat(8)-4.51%

Revenue beat(12)3

Avg Revenue beat(12)-1.04%

Revenue beat(16)7

Avg Revenue beat(16)1.86%

PT rev (1m)0%

PT rev (3m)-2.21%

EPS NQ rev (1m)-103.64%

EPS NQ rev (3m)-103.9%

EPS NY rev (1m)0%

EPS NY rev (3m)-23.76%

Revenue NQ rev (1m)-0.12%

Revenue NQ rev (3m)0.65%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.79%

Valuation

		Industry Rank	Sector Rank
PE	13.42
Fwd PE	7.67
P/S	2.68
P/FCF	22.02
P/OCF	18.76
P/B	0.78
P/tB	0.84
EV/EBITDA	N/A

EPS(TTM)2.25

EY7.45%

EPS(NY)3.93

Fwd EY13.03%

FCF(TTM)1.37

FCFY4.54%

OCF(TTM)1.61

OCFY5.33%

SpS11.28

BVpS38.53

TBVpS35.96

PEG (NY)N/A

PEG (5Y)0.94

Profitability

		Industry Rank	Sector Rank
ROA	0.49%
ROE	4.22%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	14.42%
GM	N/A
FCFM	12.15%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score3

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	68.18%
Cap/Sales	2.12%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	84.26%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score3

WACC9.02%

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)-35.53%

EPS 3Y-4.66%

EPS 5Y14.24%

EPS Q2Q%-87.5%

EPS Next Y-10.36%

EPS Next 2Y17.28%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)12.23%

Revenue growth 3Y3.55%

Revenue growth 5Y10.74%

Sales Q2Q%17.8%

Revenue Next Year14.58%

Revenue Next 2Y15.03%

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-63.36%

FCF growth 3Y4.09%

FCF growth 5Y0.19%

OCF growth 1Y-57.97%

OCF growth 3Y4.52%

OCF growth 5Y-2.89%

PRINCETON BANCORP INC (BPRN) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens