Bank of Princeton (BPRN)
NASDAQ:BPRN
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Bank of Princeton
(NASDAQ:BPRN)
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Rating:74Outperform
Price Target:
$40.00
â–²(11.70% Upside)
Action:Reiterated
Date:05/09/26
BPRN scores well primarily on solid financial health (low leverage, improving earnings/FCF quality) and attractive valuation (low P/E and ~3.8% yield). Technicals are moderately supportive with price above key moving averages and positive MACD. The main constraints are softer TTM revenue and profitability still below prior peak levels, plus some cash-flow conversion volatility in historical data.
Positive Factors
Conservative leverage and rising equity
Low debt-to-equity (~0.08x) and steadily growing equity provide durable balance-sheet flexibility for a regional bank. This conservatism supports lending capacity, cushions against credit stress, and allows capital deployment (loans, securities, dividends) without relying on risky funding, improving resilience over months.
Negative Factors
Cooling revenue growth (TTM)
A rollover to slightly lower TTM revenue suggests loan growth or fee income momentum has weakened. For a regional lender, sustained revenue cooling can constrain net interest income expansion and limit room to absorb expense inflation, pressuring medium-term earnings trajectory absent new growth initiatives.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative leverage and rising equity
Low debt-to-equity (~0.08x) and steadily growing equity provide durable balance-sheet flexibility for a regional bank. This conservatism supports lending capacity, cushions against credit stress, and allows capital deployment (loans, securities, dividends) without relying on risky funding, improving resilience over months.
Read all positive factors
Bank of Princeton (BPRN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$236.89M
Dividend Yield3.5%
Average Volume (3M)10.25K
Price to Earnings (P/E)9.2
Beta (1Y)0.70
Revenue Growth0.47%
EPS Growth71.88%
CountryUS
Employees242
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.87
Shares Outstanding6,811,150
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 Cap1.02
Enterprise Value/Revenue1.76
Enterprise Value/Gross Profit3.07
Enterprise Value/Ebitda9.19
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)3.58
Revenue Forecast (FY)$87.84M
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 Bank of Princeton primarily makes money through (1) net interest income and (2) noninterest income. Net interest income is earned from the spread between interest and fees collected on loans and investment securities and the interest paid on f...
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 | 26.17M | 23.68M | 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 | 16.99M | 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
35.81
Price Trends
34.54
Positive
34.71
Negative
33.31
Positive
Market Momentum
-0.08
Positive
48.58
Neutral
34.85
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 35.81 is above the 20-day moving average (MA) of 35.00, above the 50-day MA of 34.54, and above the 200-day MA of 33.31, indicating a neutral trend. The MACD of -0.08 indicates Positive momentum. The RSI at 48.58 is Neutral, neither overbought nor oversold. The STOCH value of 34.85 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | $241.86M | 8.59 | 14.66% | 2.39% | 2.72% | 27.37% | |
75 Outperform | $255.70M | 8.65 | 14.13% | 2.51% | 13.96% | 104.63% | |
74 Outperform | $236.89M | 9.20 | 7.26% | 3.50% | 0.47% | 71.88% | |
71 Outperform | $240.27M | 8.78 | 11.06% | 2.55% | 9.67% | 30.37% | |
70 Outperform | $208.67M | 6.84 | 12.20% | 3.32% | 7.88% | 29.20% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $233.21M | 12.39 | 8.48% | 5.32% | -2.49% | 41.73% |
* Financial Sector Average
BPRN
Bank of Princeton
34.69
5.37
18.32%
CFFI
C&F Financial
73.25
8.80
13.65%
HWBK
Hawthorn Bancshares
35.10
5.66
19.21%
LCNB
LCNB
16.37
2.78
20.48%
OPBK
OP Bancorp
14.18
1.88
15.28%
FRAF
Franklin Financial Services
57.59
19.99
53.15%
Bank of Princeton Corporate Events
Executive/Board ChangesShareholder Meetings
Bank of Princeton Shareholders Back Directors and Governance Items
Positive
Apr 27, 2026
At its 2026 annual meeting of shareholders held on April 21, 2026, Bank of Princeton reported that 5,642,618 of 6,795,200 outstanding common shares were represented and entitled to vote, reflecting strong shareholder participation. All nominated d...
Dividends
Princeton Bancorp Declares Quarterly Cash Dividend to Shareholders
Positive
Apr 21, 2026
On April 21, 2026, Princeton Bancorp, Inc. said its board had declared a quarterly cash dividend of $0.35 per share on its common stock, payable on May 28, 2026, to shareholders of record as of May 5, 2026. Management framed the payout as undersco...
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.