35.31 USD
-0.4 (-1.12%)
34.61 USD
-0.7 (-1.98%)
Overall BPRN gets a fundamental rating of 4 out of 10. We evaluated BPRN against 388 industry peers in the Banks industry. The financial health of BPRN is average, but there are quite some concerns on its profitability. While showing a medium growth rate, BPRN is valued expensive at the moment.
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.
BPRN had positive earnings in each of the past 5 years.
In the past 5 years BPRN always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of BPRN (0.80%) 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: 68.04% 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 62.11% of its industry peers.
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) | 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.
The number of shares outstanding for BPRN has been increased compared to 1 year ago.
The number of shares outstanding for BPRN has been increased compared to 5 years ago.
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
WACC8.81%
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%.
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 15.36% in the past year. This is quite good.
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
Based on estimates for the next years, BPRN will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.50% 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 8.40% on average per year.
EPS Next Y-1.92%
EPS Next 2Y16.03%
EPS Next 3Y13.5%
EPS Next 5YN/A
Revenue Next Year13.9%
Revenue Next 2Y9.88%
Revenue Next 3Y8.4%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 13.74, the valuation of BPRN can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of BPRN is on the same level as its industry peers.
When comparing the Price/Earnings ratio of BPRN to the average of the S&P500 Index (26.50), we can say BPRN is valued slightly cheaper.
The Price/Forward Earnings ratio is 9.17, which indicates a very decent valuation of BPRN.
Based on the Price/Forward Earnings ratio, BPRN is valued a bit cheaper than 71.65% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.93. BPRN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.74 | ||
| Fwd PE | 9.17 |
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 70.88% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.33 | ||
| 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)0.96
EPS Next 2Y16.03%
EPS Next 3Y13.5%
5. Dividend
5.1 Amount
BPRN has a Yearly Dividend Yield of 3.82%.
Compared to an average industry Dividend Yield of 2.74, BPRN pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, BPRN pays a better dividend.
| 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 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 2Y16.03%
EPS Next 3Y13.5%
35.31
-0.4 (-1.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners43.85%
Inst Owner Change0.35%
Ins Owners25.86%
Ins Owner Change4.31%
Market Cap238.70M
Revenue(TTM)83.57M
Net Income(TTM)17.76M
Analysts80
Price TargetN/A
Short Float %1.09%
Short Ratio5.35
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.82% |
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)0%
EPS NQ rev (3m)2.95%
EPS NY rev (1m)1.1%
EPS NY rev (3m)4.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.01%
Revenue NY rev (1m)-0.51%
Revenue NY rev (3m)-0.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.74 | ||
| Fwd PE | 9.17 | ||
| P/S | 2.86 | ||
| P/FCF | 19.33 | ||
| P/OCF | 17.43 | ||
| P/B | 0.9 | ||
| P/tB | 0.96 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.57
EY7.28%
EPS(NY)3.85
Fwd EY10.9%
FCF(TTM)1.83
FCFY5.17%
OCF(TTM)2.03
OCFY5.74%
SpS12.36
BVpS39.44
TBVpS36.87
PEG (NY)N/A
PEG (5Y)0.96
Graham Number47.76
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
WACC8.81%
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-1.92%
EPS Next 2Y16.03%
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 Year13.9%
Revenue Next 2Y9.88%
Revenue Next 3Y8.4%
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 13.74 and the Price/Book (PB) ratio is 0.9.
Can you provide the dividend sustainability for BPRN stock?
The dividend rating of PRINCETON BANCORP INC (BPRN) is 6 / 10 and the dividend payout ratio is 46.56%.