PRINCETON BANCORP INC(NASDAQ:BPRN) stock Fundamental Analysis

Fundamental Rating

Overall BPRN gets a fundamental rating of 4 out of 10. We evaluated BPRN against 398 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.

In the past year BPRN had a positive cash flow from operations.

In the past 5 years BPRN has always been profitable.

In the past 5 years BPRN always reported a positive cash flow from operatings.

1.2 Ratios

BPRN's Return On Assets of 0.44% is on the low side compared to the rest of the industry. BPRN is outperformed by 78.89% of its industry peers.

With a Return On Equity value of 3.91%, BPRN is not doing good in the industry: 83.17% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	0.44%
ROE	3.91%
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 (13.71%) is worse than 78.64% 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)	13.71%
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.

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

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

WACC8.89%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

BPRN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -21.54%.

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.

BPRN shows a decrease in Revenue. In the last year, the revenue decreased by -4.09%.

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)-21.54%

EPS 3Y-4.66%

EPS 5Y14.24%

EPS Q2Q%13.24%

Revenue 1Y (TTM)-4.09%

Revenue growth 3Y3.55%

Revenue growth 5Y10.74%

Sales Q2Q%37.27%

3.2 Future

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

BPRN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.03% yearly.

EPS Next Y17.57%

EPS Next 2Y17.28%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year13.68%

Revenue Next 2Y15.03%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

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

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

Based on the Price/Earnings ratio of 10.57, the valuation of BPRN can be described as reasonable.

Based on the Price/Earnings ratio, BPRN is valued a bit cheaper than 70.85% of the companies in the same industry.

BPRN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.22.

BPRN is valuated cheaply with a Price/Forward Earnings ratio of 7.92.

Based on the Price/Forward Earnings ratio, BPRN is valued cheaply inside the industry as 82.41% of the companies are valued more expensively.

When comparing the Price/Forward Earnings ratio of BPRN to the average of the S&P500 Index (20.86), we can say BPRN is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.57
Fwd PE	7.92

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 65.33% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	16.33
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.

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

PEG (NY)0.6

PEG (5Y)0.74

EPS Next 2Y17.28%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.99%, BPRN has a reasonable but not impressive dividend return.

BPRN's Dividend Yield is a higher than the industry average which is at 3.52.

BPRN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.

		Industry Rank	Sector Rank
Dividend Yield	3.99%

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 Years5

Div Non Decr Years6

5.3 Sustainability

74.27% of the earnings are spent on dividend by BPRN. This is not a sustainable payout ratio.

BPRN's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP74.27%

EPS Next 2Y17.28%

EPS Next 3YN/A

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PRINCETON BANCORP INC

NASDAQ:BPRN (5/2/2025, 8:00:01 PM)

After market: 31.17 0 (0%)

31.17

+1.12 (+3.73%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-24 2025-04-24/amc

Earnings (Next)N/A N/A

Inst Owners44.74%

Inst Owner Change0.77%

Ins Owners25.33%

Ins Owner Change4.59%

Market Cap215.70M

Analysts80

Price Target34.68 (11.26%)

Short Float %0.6%

Short Ratio3.65

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.99%

Yearly Dividend1.15

Dividend Growth(5Y)43.51%

DP74.27%

Div Incr Years5

Div Non Decr Years6

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

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)64.02%

Min EPS beat(2)-14.17%

Max EPS beat(2)142.22%

EPS beat(4)3

Avg EPS beat(4)36.07%

Min EPS beat(4)-14.17%

Max EPS beat(4)142.22%

EPS beat(8)7

Avg EPS beat(8)61.36%

EPS beat(12)11

Avg EPS beat(12)42.62%

EPS beat(16)14

Avg EPS beat(16)33.37%

Revenue beat(2)0

Avg Revenue beat(2)-5.78%

Min Revenue beat(2)-8.24%

Max Revenue beat(2)-3.32%

Revenue beat(4)0

Avg Revenue beat(4)-4.23%

Min Revenue beat(4)-8.24%

Max Revenue beat(4)-1.32%

Revenue beat(8)0

Avg Revenue beat(8)-4.45%

Revenue beat(12)4

Avg Revenue beat(12)-0.18%

Revenue beat(16)8

Avg Revenue beat(16)2.5%

PT rev (1m)-2.86%

PT rev (3m)-12.82%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-4.96%

EPS NY rev (1m)-0.5%

EPS NY rev (3m)-6.61%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-3.15%

Revenue NY rev (1m)-0.13%

Revenue NY rev (3m)-3.49%

Valuation

		Industry Rank	Sector Rank
PE	10.57
Fwd PE	7.92
P/S	2.89
P/FCF	16.33
P/OCF	14.64
P/B	0.82
P/tB	0.88
EV/EBITDA	N/A

EPS(TTM)2.95

EY9.46%

EPS(NY)3.93

Fwd EY12.62%

FCF(TTM)1.91

FCFY6.12%

OCF(TTM)2.13

OCFY6.83%

SpS10.79

BVpS37.87

TBVpS35.26

PEG (NY)0.6

PEG (5Y)0.74

Profitability

		Industry Rank	Sector Rank
ROA	0.44%
ROE	3.91%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	13.71%
GM	N/A
FCFM	17.68%

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-Score5

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	66.8%
Cap/Sales	2.04%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	128.93%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC8.89%

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)-21.54%

EPS 3Y-4.66%

EPS 5Y14.24%

EPS Q2Q%13.24%

EPS Next Y17.57%

EPS Next 2Y17.28%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-4.09%

Revenue growth 3Y3.55%

Revenue growth 5Y10.74%

Sales Q2Q%37.27%

Revenue Next Year13.68%

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-38.29%

FCF growth 3Y4.09%

FCF growth 5Y0.19%

OCF growth 1Y-36.27%

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

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