36.88 USD
+0.61 (+1.68%)
At close: Jan 29, 2026
36.88 USD
0 (0%)
After Hours: 1/29/2026, 8:00:02 PM
Taking everything into account, BPRN scores 4 out of 10 in our fundamental rating. BPRN was compared to 383 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
- 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 0.80% is in line compared to the rest of the industry. BPRN outperforms 41.25% of its industry peers.
- Looking at the Return On Equity, with a value of 6.66%, BPRN is doing worse than 67.89% of the companies in the same industry.
| 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
- With a Profit Margin value of 21.25%, BPRN is not doing good in the industry: 62.66% of the companies in the same industry are doing better.
- BPRN's Profit Margin has declined in the last couple of years.
- 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.
- Compared to 1 year ago, BPRN has more shares outstanding
- 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
WACC8.9%
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 -12.29% in the last year.
- BPRN shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.24% yearly.
- Looking at the last year, BPRN shows a quite strong growth in Revenue. The Revenue has grown by 15.36% 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)-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.
- The Revenue is expected to grow by 8.40% on average over the next years. This is quite good.
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
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
- 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
- A Price/Earnings ratio of 14.35 indicates a correct valuation of BPRN.
- 63.97% of the companies in the same industry are cheaper than BPRN, based on the Price/Earnings ratio.
- Compared to an average S&P500 Price/Earnings ratio of 28.39, BPRN is valued a bit cheaper.
- A Price/Forward Earnings ratio of 9.58 indicates a reasonable valuation of BPRN.
- BPRN's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BPRN is cheaper than 70.50% of the companies in the same industry.
- BPRN is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.72, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.35 | ||
| Fwd PE | 9.58 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, BPRN is valued a bit more expensive than the industry average as 71.02% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.19 | ||
| 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)1.01
EPS Next 2Y16.03%
EPS Next 3Y13.5%
5. Dividend
5.1 Amount
- BPRN has a Yearly Dividend Yield of 3.77%.
- Compared to an average industry Dividend Yield of 2.65, BPRN pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, BPRN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.77% |
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
- 46.56% of the earnings are spent on dividend by BPRN. This is a bit on the high side, but may be sustainable.
- BPRN's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP46.56%
EPS Next 2Y16.03%
EPS Next 3Y13.5%
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.
Can you provide the valuation status for PRINCETON BANCORP INC?
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.
Can you provide the financial health for BPRN stock?
The financial health rating of PRINCETON BANCORP INC (BPRN) is 4 / 10.
Is the dividend of PRINCETON BANCORP INC sustainable?
The dividend rating of PRINCETON BANCORP INC (BPRN) is 6 / 10 and the dividend payout ratio is 46.56%.