BPRN Fundamental Analysis - PRINCETON BANCORP INC

Fundamental Rating

BPRN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. The financial health of BPRN is average, but there are quite some concerns on its profitability. BPRN has a correct valuation and a medium 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.

Each year in the past 5 years BPRN has been profitable.

BPRN had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

BPRN has a worse Return On Assets (0.30%) than 83.63% of its industry peers.

The Return On Equity of BPRN (2.61%) is worse than 84.91% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.3%
ROE	2.61%
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 (8.42%) is worse than 85.68% of its industry peers.

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)	8.42%
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

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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.

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.

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

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

WACC8.66%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for BPRN have decreased strongly by -35.53% 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 12.23% 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)-35.53%

EPS 3Y-4.66%

EPS 5Y14.24%

EPS Q2Q%-87.5%

Revenue 1Y (TTM)12.23%

Revenue growth 3Y3.55%

Revenue growth 5Y10.74%

Sales Q2Q%17.8%

3.2 Future

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

Based on estimates for the next years, BPRN will show a quite strong growth in Revenue. The Revenue will grow by 15.03% on average per year.

EPS Next Y-5.96%

EPS Next 2Y17.28%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year14.21%

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.

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

With a Price/Earnings ratio of 13.54, BPRN is valued correctly.

60.87% of the companies in the same industry are cheaper than BPRN, based on the Price/Earnings ratio.

The average S&P500 Price/Earnings ratio is at 27.69. BPRN is valued rather cheaply when compared to this.

A Price/Forward Earnings ratio of 7.75 indicates a rather cheap valuation of BPRN.

Compared to the rest of the industry, the Price/Forward Earnings ratio of BPRN indicates a rather cheap valuation: BPRN is cheaper than 82.61% 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 (23.18), we can say BPRN is valued rather cheaply.

		Industry Rank	Sector Rank
PE	13.54
Fwd PE	7.75

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BPRN is valued a bit more expensive than the industry average as 75.19% of the companies are valued more cheaply.

		Industry Rank	Sector Rank
P/FCF	24.31
EV/EBITDA	N/A

4.3 Compensation for Growth

A more expensive valuation may be justified as BPRN's earnings are expected to grow with 17.28% in the coming years.

PEG (NY)N/A

PEG (5Y)0.95

EPS Next 2Y17.28%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

BPRN has a Yearly Dividend Yield of 4.03%, which is a nice return.

BPRN's Dividend Yield is a higher than the industry average which is at 3.57.

BPRN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.

		Industry Rank	Sector Rank
Dividend Yield	4.03%

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

117.33% 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.

DP117.33%

EPS Next 2Y17.28%

EPS Next 3YN/A

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PRINCETON BANCORP INC

NASDAQ:BPRN (10/20/2025, 8:00:01 PM)

30.47

+0.54 (+1.8%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/amc

Earnings (Next)10-23 2025-10-23/amc

Inst Owners43.91%

Inst Owner Change-0.07%

Ins Owners25.87%

Ins Owner Change8.42%

Market Cap205.67M

Analysts80

Price Target34.94 (14.67%)

Short Float %0.81%

Short Ratio4.74

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.03%

Yearly Dividend1.15

Dividend Growth(5Y)43.51%

DP117.33%

Div Incr Years0

Div Non Decr Years6

Ex-Date08-06 2025-08-06 (0.3)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)212.63%

Min EPS beat(2)-1.53%

Max EPS beat(2)426.8%

EPS beat(4)2

Avg EPS beat(4)138.33%

Min EPS beat(4)-14.17%

Max EPS beat(4)426.8%

EPS beat(8)6

Avg EPS beat(8)83.15%

EPS beat(12)10

Avg EPS beat(12)77%

EPS beat(16)14

Avg EPS beat(16)60%

Revenue beat(2)0

Avg Revenue beat(2)-2.39%

Min Revenue beat(2)-4.18%

Max Revenue beat(2)-0.6%

Revenue beat(4)0

Avg Revenue beat(4)-4.09%

Min Revenue beat(4)-8.24%

Max Revenue beat(4)-0.6%

Revenue beat(8)0

Avg Revenue beat(8)-3.67%

Revenue beat(12)2

Avg Revenue beat(12)-1.81%

Revenue beat(16)6

Avg Revenue beat(16)1.08%

PT rev (1m)0%

PT rev (3m)3.01%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-1.51%

EPS NY rev (1m)0%

EPS NY rev (3m)4.91%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)2.03%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.32%

Valuation

		Industry Rank	Sector Rank
PE	13.54
Fwd PE	7.75
P/S	2.53
P/FCF	24.31
P/OCF	20.59
P/B	0.79
P/tB	0.84
EV/EBITDA	N/A

EPS(TTM)2.25

EY7.38%

EPS(NY)3.93

Fwd EY12.91%

FCF(TTM)1.25

FCFY4.11%

OCF(TTM)1.48

OCFY4.86%

SpS12.03

BVpS38.81

TBVpS36.2

PEG (NY)N/A

PEG (5Y)0.95

Profitability

		Industry Rank	Sector Rank
ROA	0.3%
ROE	2.61%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	8.42%
GM	N/A
FCFM	10.42%

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 Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	59.39%
Cap/Sales	1.88%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	123.72%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC8.66%

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)-35.53%

EPS 3Y-4.66%

EPS 5Y14.24%

EPS Q2Q%-87.5%

EPS Next Y-5.96%

EPS Next 2Y17.28%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)12.23%

Revenue growth 3Y3.55%

Revenue growth 5Y10.74%

Sales Q2Q%17.8%

Revenue Next Year14.21%

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-68.6%

FCF growth 3Y4.09%

FCF growth 5Y0.19%

OCF growth 1Y-64.5%

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

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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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