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PRINCETON BANCORP INC (BPRN) Stock Fundamental Analysis

NASDAQ:BPRN - Nasdaq - US74179A1079 - Common Stock - Currency: USD

30.45  +0.16 (+0.53%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to BPRN. BPRN was compared to 396 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.


Dividend Valuation Growth Profitability Health

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2

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M

1.2 Ratios

With a Return On Assets value of 0.49%, BPRN is not doing good in the industry: 76.26% of the companies in the same industry are doing better.
BPRN's Return On Equity of 4.22% is on the low side compared to the rest of the industry. BPRN is outperformed by 81.06% of its industry peers.
Industry RankSector 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
BPRN Yearly ROA, ROE, ROICBPRN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

With a Profit Margin value of 14.42%, BPRN is not doing good in the industry: 77.78% 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 RankSector 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
BPRN Yearly Profit, Operating, Gross MarginsBPRN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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4

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.
BPRN Yearly Shares OutstandingBPRN Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
BPRN Yearly Total Debt VS Total AssetsBPRN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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
WACC9.85%
BPRN Yearly LT Debt VS Equity VS FCFBPRN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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6

3. Growth

3.1 Past

BPRN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -21.54%.
The Earnings Per Share has been growing by 14.24% on average over the past years. This is quite good.
BPRN shows a decrease in Revenue. In the last year, the revenue decreased by -4.09%.
The Revenue has been growing by 10.74% on average over the past years. This is quite good.
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

The Earnings Per Share is expected to grow by 17.28% on average over the next years. This is quite good.
BPRN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.03% yearly.
EPS Next Y19.24%
EPS Next 2Y17.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.65%
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.
BPRN Yearly Revenue VS EstimatesBPRN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 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 1 2 3 4

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5

4. Valuation

4.1 Price/Earnings Ratio

BPRN is valuated reasonably with a Price/Earnings ratio of 10.32.
Based on the Price/Earnings ratio, BPRN is valued a bit cheaper than the industry average as 69.95% of the companies are valued more expensively.
BPRN is valuated cheaply when we compare the Price/Earnings ratio to 26.30, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 7.74 indicates a rather cheap valuation of BPRN.
Based on the Price/Forward Earnings ratio, BPRN is valued a bit cheaper than the industry average as 79.04% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of BPRN to the average of the S&P500 Index (22.06), we can say BPRN is valued rather cheaply.
Industry RankSector Rank
PE 10.32
Fwd PE 7.74
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 76.26% of the companies in the same industry.
Industry RankSector Rank
P/FCF 22.21
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

BPRN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
BPRN's earnings are expected to grow with 17.28% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.54
PEG (5Y)0.72
EPS Next 2Y17.28%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.91%, BPRN has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.46, BPRN pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, BPRN pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.91%

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

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
BPRN Yearly Income VS Free CF VS DividendBPRN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
BPRN Dividend Payout.BPRN Dividend Payout, showing the Payout Ratio.BPRN Dividend Payout.PayoutRetained Earnings

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PRINCETON BANCORP INC

NASDAQ:BPRN (6/6/2025, 2:15:09 PM)

30.45

+0.16 (+0.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/amc
Earnings (Next)N/A N/A
Inst Owners44.74%
Inst Owner Change0.6%
Ins Owners25.33%
Ins Owner Change5.92%
Market Cap211.02M
Analysts80
Price Target34.42 (13.04%)
Short Float %0.73%
Short Ratio3.29
Dividend
Industry RankSector Rank
Dividend Yield 3.91%
Yearly Dividend1.15
Dividend Growth(5Y)43.51%
DP69.18%
Div Incr Years0
Div Non Decr Years6
Ex-Date05-06 2025-05-06 (0.3)
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)-0.74%
PT rev (3m)-3.57%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.93%
EPS NY rev (1m)1.42%
EPS NY rev (3m)0.91%
Revenue NQ rev (1m)-7.6%
Revenue NQ rev (3m)0.76%
Revenue NY rev (1m)0.85%
Revenue NY rev (3m)0.72%
Valuation
Industry RankSector Rank
PE 10.32
Fwd PE 7.74
P/S 2.7
P/FCF 22.21
P/OCF 18.92
P/B 0.79
P/tB 0.85
EV/EBITDA N/A
EPS(TTM)2.95
EY9.69%
EPS(NY)3.93
Fwd EY12.92%
FCF(TTM)1.37
FCFY4.5%
OCF(TTM)1.61
OCFY5.29%
SpS11.28
BVpS38.53
TBVpS35.96
PEG (NY)0.54
PEG (5Y)0.72
Profitability
Industry RankSector 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 RankSector 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
WACC9.85%
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 Y19.24%
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 Year14.65%
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%