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Bank of Princeton
(NASDAQ:BPRN)
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Rating:72Outperform
Price Target:
$42.00
â–²(2.79% Upside)
Action:Reiterated
Date:07/23/26
The score is driven primarily by solid financial health (conservative leverage, improving earnings, and generally strong cash generation), supported by a constructive technical backdrop and reasonable valuation with an attractive dividend yield. Offsetting factors include the recent TTM revenue softening, profitability still below prior peak levels, and some historical cash flow conversion inconsistency.
Positive Factors
Conservative balance sheet
Very low debt-to-equity and steady equity growth provide durable capital flexibility for lending, regulatory cushions, and stress absorption. This structural strength supports long-term operating stability and optionality for growth or capital returns without forcing rapid deleveraging.
Negative Factors
Revenue cooling
A rolling decline in TTM revenue versus prior-year weakens the top-line growth trajectory for a commercial lender. Slower loan or fee growth can compress future earnings potential, limit scale benefits, and constrain reinvestment or dividend sustainability without margin improvement.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Very low debt-to-equity and steady equity growth provide durable capital flexibility for lending, regulatory cushions, and stress absorption. This structural strength supports long-term operating stability and optionality for growth or capital returns without forcing rapid deleveraging.
Read all positive factors
Bank of Princeton (BPRN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$280.97M
Dividend Yield3.27%
Average Volume (3M)10.25K
Price to Earnings (P/E)10.8
Beta (1Y)0.72
Revenue Growth-2.70%
EPS Growth296.51%
CountryUS
Employees241
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.87
Shares Outstanding6,813,000
10 Day Avg. Volume11,108
30 Day Avg. Volume10,252
Financial Highlights & Ratios
PEG Ratio0.17
Price to Book (P/B)0.87
Price to Sales (P/S)1.70
P/FCF Ratio11.50
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)3.77
Revenue Forecast (FY)$88.56M
Bank of Princeton Business Overview & Revenue Model
Company Description
Princeton Bancorp, Inc. operates as a bank holding company. It is a full-service financial institution that provides business and personal banking. It offers traditional retail banking services, one-to-four-family residential mortgage loans, multi...
How the Company Makes Money
The company primarily makes money through (1) net interest income and (2) noninterest income. Net interest income is generated by earning interest on loans and other interest-earning assets and paying interest on deposits and other funding sources...
Bank of Princeton Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
78
Positive
Cash Flow
73
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 137.06M | 138.99M | 131.10M | 105.40M | 78.94M | 73.94M |
| Gross Profit | 78.42M | 77.60M | 69.58M | 69.13M | 72.55M | 63.64M |
| EBITDA | 27.47M | 26.33M | 15.10M | 32.31M | 36.10M | 31.14M |
| Net Income | 19.46M | 18.61M | 10.24M | 25.77M | 26.49M | 22.49M |
Balance Sheet | ||||||
| Total Assets | 2.25B | 2.29B | 2.34B | 1.92B | 1.60B | 1.69B |
| Cash, Cash Equivalents and Short-Term Investments | 234.97M | 168.05M | 227.59M | 125.88M | 106.64M | 113.18M |
| Total Debt | 21.30M | 21.19M | 22.94M | 24.28M | 26.77M | 18.56M |
| Total Liabilities | 1.98B | 2.01B | 2.08B | 1.68B | 1.38B | 1.47B |
| Stockholders Equity | 273.60M | 270.71M | 262.04M | 240.21M | 219.60M | 216.58M |
Cash Flow | ||||||
| Free Cash Flow | 24.48M | 20.60M | 13.21M | 21.40M | 23.38M | 11.71M |
| Operating Cash Flow | 25.45M | 21.49M | 14.73M | 23.11M | 23.99M | 12.90M |
| Investing Cash Flow | 110.32M | 68.21M | -154.05M | -5.76M | -26.46M | 3.54M |
| Financing Cash Flow | -83.64M | -71.36M | 106.11M | 79.85M | -102.89M | 64.84M |
Bank of Princeton Technical Analysis
Positive
40.86
Price Trends
37.59
Positive
36.03
Positive
34.83
Positive
Market Momentum
0.54
Negative
66.88
Neutral
50.52
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BPRN, the sentiment is Positive. The current price of 40.86 is above the 20-day moving average (MA) of 39.09, above the 50-day MA of 37.59, and above the 200-day MA of 34.83, indicating a bullish trend. The MACD of 0.54 indicates Negative momentum. The RSI at 66.88 is Neutral, neither overbought nor oversold. The STOCH value of 50.52 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BPRN.
Bank of Princeton Risk Analysis
Bank of Princeton disclosed 1 risk factors in its most recent earnings report. Bank of Princeton reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Bank of Princeton Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $269.06M | 10.21 | 15.01% | 2.14% | 5.11% | 24.08% | |
74 Outperform | $283.78M | 11.48 | 14.00% | 2.14% | 10.02% | 67.92% | |
72 Outperform | $280.97M | 10.82 | 9.48% | 3.30% | -2.70% | 296.51% | |
72 Outperform | $232.35M | 8.00 | 12.59% | 3.19% | 7.20% | 31.23% | |
70 Outperform | $268.78M | 9.21 | 10.99% | 2.41% | 8.95% | 18.66% | |
69 Neutral | $282.21M | 11.45 | 8.92% | 4.32% | -2.20% | 15.76% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
BPRN
Bank of Princeton
41.24
12.17
41.86%
CFFI
C&F Financial
82.59
18.64
29.14%
HWBK
Hawthorn Bancshares
38.99
11.21
40.35%
LCNB
LCNB
19.81
5.98
43.27%
OPBK
OP Bancorp
15.60
3.29
26.69%
FRAF
Franklin Financial Services
63.16
24.94
65.26%
Bank of Princeton Corporate Events
Business Operations and StrategyDividends
Bank of Princeton Declares Quarterly Cash Dividend
Positive
Jul 22, 2026
On July 22, 2026, Princeton Bancorp, Inc. announced that its board of directors declared a quarterly cash dividend of $0.35 per share on its common stock, to be paid on August 28, 2026. The dividend is payable to shareholders of record as of Augus...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.