PRINCETON BANCORP INC (BPRN) Stock Fundamental Analysis
NASDAQ:BPRN - Nasdaq - US74179A1079 - Common Stock - Currency: USD
Taking everything into account, BPRN scores 4 out of 10 in our fundamental rating. BPRN was compared to 395 industry peers in the Banks industry. The financial health of BPRN is average, but there are quite some concerns on its profitability. BPRN is not valued too expensively and it also shows a decent growth rate.
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.
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
Looking at the Return On Assets, with a value of 0.49%, BPRN is doing worse than 76.46% of the companies in the same industry.
Looking at the Return On Equity, with a value of 4.22%, BPRN is doing worse than 81.01% of the companies in the same industry.
| 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
With a Profit Margin value of 14.42%, BPRN is not doing good in the industry: 77.72% of the companies in the same industry are doing better.
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
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
WACC8.93%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for BPRN have decreased strongly by -21.54% 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.
Looking at the last year, BPRN shows a decrease in Revenue. The Revenue has decreased by -4.09% in the last year.
BPRN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.74% yearly.
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%22.9%
3.2 Future
BPRN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.28% yearly.
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.
The Revenue 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
Based on the Price/Earnings ratio of 10.85, the valuation of BPRN can be described as reasonable.
BPRN's Price/Earnings ratio is a bit cheaper when compared to the industry. BPRN is cheaper than 75.95% 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 27.28.
With a Price/Forward Earnings ratio of 8.14, the valuation of BPRN can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BPRN indicates a rather cheap valuation: BPRN is cheaper than 82.03% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of BPRN to the average of the S&P500 Index (21.76), we can say BPRN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.85 | ||
| Fwd PE | 8.14 |
4.2 Price Multiples
BPRN's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. BPRN is more expensive than 76.46% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.36 | ||
| 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)0.76
EPS Next 2Y17.28%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.89%, BPRN has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.47, BPRN pays a bit more dividend than its industry peers.
BPRN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.89% |
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
69.18% 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.
DP69.18%
EPS Next 2Y17.28%
EPS Next 3YN/A
32.02
+0.73 (+2.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners44.61%
Inst Owner Change0.6%
Ins Owners24.78%
Ins Owner Change9.79%
Market Cap221.90M
Analysts80
Price Target33.92 (5.93%)
Short Float %0.84%
Short Ratio3.78
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.89% |
Yearly Dividend1.15
Dividend Growth(5Y)43.51%
DP69.18%
Div Incr Years0
Div Non Decr Years6
Ex-Date
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)-1.48%
PT rev (3m)-5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.93%
EPS NY rev (1m)-24.83%
EPS NY rev (3m)-24.14%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.76%
Revenue NY rev (1m)-0.06%
Revenue NY rev (3m)0.66%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.85 | ||
| Fwd PE | 8.14 | ||
| P/S | 2.84 | ||
| P/FCF | 23.36 | ||
| P/OCF | 19.89 | ||
| P/B | 0.83 | ||
| P/tB | 0.89 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.95
EY9.21%
EPS(NY)3.93
Fwd EY12.29%
FCF(TTM)1.37
FCFY4.28%
OCF(TTM)1.61
OCFY5.03%
SpS11.28
BVpS38.53
TBVpS35.96
PEG (NY)N/A
PEG (5Y)0.76
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
WACC8.93%
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 Y-10.36%
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%22.9%
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%