PRINCETON BANCORP INC (BPRN) Fundamental Analysis & Valuation

NASDAQ:BPRN • US74179A1079

Current stock price

33.19 USD
+0.07 (+0.21%)
At close:
33.38 USD
+0.19 (+0.57%)
Pre-Market:

This BPRN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. BPRN Profitability Analysis

1.1 Basic Checks

  • In the past year BPRN was profitable.
  • In the past year BPRN had a positive cash flow from operations.
  • BPRN had positive earnings in each of the past 5 years.
  • BPRN had a positive operating cash flow in 4 of the past 5 years.
BPRN Yearly Net Income VS EBIT VS OCF VS FCFBPRN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M

1.2 Ratios

  • The Return On Assets of BPRN (0.80%) is worse than 63.68% of its industry peers.
  • BPRN's Return On Equity of 6.66% is on the low side compared to the rest of the industry. BPRN is outperformed by 72.37% of its industry peers.
Industry RankSector Rank
ROA 0.8%
ROE 6.66%
ROIC N/A
ROA(3y)0.87%
ROA(5y)1.12%
ROE(3y)7.17%
ROE(5y)8.79%
ROIC(3y)N/A
ROIC(5y)N/A
BPRN Yearly ROA, ROE, ROICBPRN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • With a Profit Margin value of 21.25%, BPRN is not doing good in the industry: 67.11% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of BPRN has declined.
  • The Operating Margin and Gross Margin are not available for BPRN so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 21.25%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-15.28%
PM growth 5Y-3.02%
GM growth 3YN/A
GM growth 5YN/A
BPRN Yearly Profit, Operating, Gross MarginsBPRN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. BPRN Health Analysis

2.1 Basic Checks

  • BPRN does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • BPRN has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, BPRN has less 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.
BPRN Yearly Shares OutstandingBPRN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M
BPRN Yearly Total Debt VS Total AssetsBPRN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC9.03%
BPRN Yearly LT Debt VS Equity VS FCFBPRN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BPRN Yearly Current Assets VS Current LiabilitesBPRN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. BPRN Growth Analysis

3.1 Past

  • BPRN shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.90%.
  • The Earnings Per Share has been growing slightly by 6.24% on average over the past years.
  • BPRN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.85%.
  • The Revenue has been growing by 9.45% on average over the past years. This is quite good.
EPS 1Y (TTM)-4.9%
EPS 3Y-12.85%
EPS 5Y6.24%
EPS Q2Q%20%
Revenue 1Y (TTM)12.85%
Revenue growth 3Y4.94%
Revenue growth 5Y9.45%
Sales Q2Q%3.46%

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 18.98% yearly.
  • BPRN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.25% yearly.
EPS Next Y33.12%
EPS Next 2Y18.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.4%
Revenue Next 2Y4.25%
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 decreasing.
BPRN Yearly Revenue VS EstimatesBPRN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M
BPRN Yearly EPS VS EstimatesBPRN Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

More info and screens

Find the best growth stocksShow best growing peers

5

4. BPRN Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.20, BPRN is valued correctly.
  • BPRN's Price/Earnings ratio is in line with the industry average.
  • BPRN is valuated cheaply when we compare the Price/Earnings ratio to 25.23, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 9.17 indicates a reasonable valuation of BPRN.
  • Based on the Price/Forward Earnings ratio, BPRN is valued a bit cheaper than 64.74% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.42, BPRN is valued rather cheaply.
Industry RankSector Rank
PE 12.2
Fwd PE 9.17
BPRN Price Earnings VS Forward Price EarningsBPRN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 71.58% of the companies in the same industry.
Industry RankSector Rank
P/FCF 18.25
EV/EBITDA N/A
BPRN Per share dataBPRN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as BPRN's earnings are expected to grow with 18.98% in the coming years.
PEG (NY)0.37
PEG (5Y)1.96
EPS Next 2Y18.98%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. BPRN Dividend Analysis

5.1 Amount

  • BPRN has a Yearly Dividend Yield of 4.23%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.78, BPRN pays a better dividend. On top of this BPRN pays more dividend than 83.42% of the companies listed in the same industry.
  • BPRN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 4.23%

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.
  • 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
BPRN Yearly Dividends per shareBPRN Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

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 2Y18.98%
EPS Next 3YN/A
BPRN Yearly Income VS Free CF VS DividendBPRN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
BPRN Dividend Payout.BPRN Dividend Payout, showing the Payout Ratio.BPRN Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

BPRN Fundamentals: All Metrics, Ratios and Statistics

PRINCETON BANCORP INC

NASDAQ:BPRN (3/20/2026, 8:00:01 PM)

Premarket: 33.38 +0.19 (+0.57%)

33.19

+0.07 (+0.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners43.72%
Inst Owner Change-0.07%
Ins Owners26.17%
Ins Owner Change4.4%
Market Cap225.36M
Revenue(TTM)84.28M
Net Income(TTM)17.76M
Analysts45.71
Price Target38.25 (15.25%)
Short Float %0.69%
Short Ratio2.12
Dividend
Industry RankSector Rank
Dividend Yield 4.23%
Yearly Dividend1.15
Dividend Growth(5Y)43.51%
DP46.56%
Div Incr Years0
Div Non Decr Years6
Ex-Date02-04
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)9.49%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-5.33%
EPS NY rev (3m)-5.96%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.95%
Valuation
Industry RankSector Rank
PE 12.2
Fwd PE 9.17
P/S 2.7
P/FCF 18.25
P/OCF 16.45
P/B 0.85
P/tB 0.9
EV/EBITDA N/A
EPS(TTM)2.72
EY8.2%
EPS(NY)3.62
Fwd EY10.91%
FCF(TTM)1.82
FCFY5.48%
OCF(TTM)2.02
OCFY6.08%
SpS12.31
BVpS39.26
TBVpS36.71
PEG (NY)0.37
PEG (5Y)1.96
Graham Number49.02
Profitability
Industry RankSector 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)0.87%
ROA(5y)1.12%
ROE(3y)7.17%
ROE(5y)8.79%
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-15.28%
PM growth 5Y-3.02%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector 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
WACC9.03%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-4.9%
EPS 3Y-12.85%
EPS 5Y6.24%
EPS Q2Q%20%
EPS Next Y33.12%
EPS Next 2Y18.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.85%
Revenue growth 3Y4.94%
Revenue growth 5Y9.45%
Sales Q2Q%3.46%
Revenue Next Year2.4%
Revenue Next 2Y4.25%
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 1Y1.86%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y3.16%
OCF growth 3YN/A
OCF growth 5YN/A

PRINCETON BANCORP INC / BPRN Fundamental Analysis 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 5 / 10 to PRINCETON BANCORP INC (BPRN). This can be considered as Fairly Valued.


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 5 / 10.


Is the dividend of PRINCETON BANCORP INC sustainable?

The dividend rating of PRINCETON BANCORP INC (BPRN) is 7 / 10 and the dividend payout ratio is 46.56%.