Bank of Princeton (BPRN)
NASDAQ:BPRN
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Bank of Princeton
(NASDAQ:BPRN)
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Rating:67Neutral
Price Target:
$36.00
â–²(0.53% Upside)
Action:DowngradedDate:03/14/26
The score is driven by solid financial performance (stronger 2025 profitability/cash flow and conservative leverage) and supportive valuation (moderate P/E and solid yield). These positives are tempered by weak technical momentum (below key moving averages with negative MACD), keeping the overall score in the mid range.
Positive Factors
Conservative Leverage
Low debt-to-equity and steadily growing equity provide durable capital resilience for a regional bank. This conservative balance sheet supports lending through cycles, reduces regulatory capital strain, and preserves capacity to absorb credit stress without forcing rapid deleveraging or emergency capital raises.
Negative Factors
2025 Revenue Pullback
A revenue decline after several years of expansion indicates a potential growth pause in core lending or fee businesses. For a regional bank reliant on loan and deposit growth, sustained revenue stagnation can limit earnings scalability, constrain margin expansion, and make long-term return targets harder to achieve.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Leverage
Low debt-to-equity and steadily growing equity provide durable capital resilience for a regional bank. This conservative balance sheet supports lending through cycles, reduces regulatory capital strain, and preserves capacity to absorb credit stress without forcing rapid deleveraging or emergency capital raises.
Read all positive factors
Bank of Princeton (BPRN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$244.32M
Dividend Yield3.5%
Average Volume (3M)10.25K
Price to Earnings (P/E)12.7
Beta (1Y)0.70
Revenue Growth12.92%
EPS Growth56.52%
CountryUS
Employees242
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.90
Shares Outstanding6,788,551
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 Cap0.53
Enterprise Value/Revenue0.93
Enterprise Value/Gross Profit1.67
Enterprise Value/Ebitda5.06
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)3.75
Revenue Forecast (FY)$90.22M
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
Bank of Princeton generates revenue primarily through interest income from loans and mortgages, which constitute a significant portion of its earnings. The bank offers various loan products, including personal loans, auto loans, commercial real es...
Bank of Princeton Financial Statement Overview
Summary
Income Statement
67
Positive
Balance Sheet
78
Positive
Cash Flow
70
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 138.99M | 131.10M | 105.40M | 78.94M | 73.94M |
| Gross Profit | 77.60M | 69.58M | 69.13M | 72.55M | 63.64M |
| EBITDA | 23.68M | 15.10M | 32.31M | 36.10M | 31.14M |
| Net Income | 18.61M | 10.24M | 25.77M | 26.49M | 22.49M |
Balance Sheet | |||||
| Total Assets | 2.28B | 2.34B | 1.92B | 1.60B | 1.69B |
| Cash, Cash Equivalents and Short-Term Investments | 276.50M | 227.59M | 125.88M | 106.64M | 113.18M |
| Total Debt | 21.19M | 22.94M | 24.28M | 26.77M | 18.56M |
| Total Liabilities | 2.01B | 2.08B | 1.68B | 1.38B | 1.47B |
| Stockholders Equity | 270.71M | 262.04M | 240.21M | 219.60M | 216.58M |
Cash Flow | |||||
| Free Cash Flow | 20.60M | 13.21M | 21.40M | 23.38M | 11.71M |
| Operating Cash Flow | 21.49M | 14.73M | 23.11M | 23.99M | 12.90M |
| Investing Cash Flow | 68.21M | -154.05M | -5.76M | -26.46M | 3.54M |
| Financing Cash Flow | -71.36M | 106.11M | 79.85M | -102.89M | 64.84M |
Bank of Princeton Technical Analysis
Positive
35.81
Price Trends
34.73
Positive
34.67
Positive
32.95
Positive
Market Momentum
0.37
Negative
64.17
Neutral
95.95
Negative
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 34.21, above the 50-day MA of 34.73, and above the 200-day MA of 32.95, indicating a bullish trend. The MACD of 0.37 indicates Negative momentum. The RSI at 64.17 is Neutral, neither overbought nor oversold. The STOCH value of 95.95 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BPRN.
Bank of Princeton Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | $254.24M | 10.64 | 9.91% | 2.51% | 12.06% | 10.38% | |
69 Neutral | $212.19M | 8.19 | 11.75% | 3.32% | 9.10% | 12.36% | |
68 Neutral | $254.38M | 8.76 | 10.84% | 2.55% | 8.53% | 42.73% | |
68 Neutral | $241.01M | 10.24 | 14.66% | 2.39% | 0.16% | 258.06% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $244.32M | 12.73 | 6.98% | 3.50% | 12.92% | 56.52% | |
66 Neutral | $241.33M | 10.22 | 8.68% | 5.32% | 5.07% | 228.39% |
* Financial Sector Average
BPRN
Bank of Princeton
35.99
9.33
35.00%
CFFI
C&F Financial
78.13
22.19
39.66%
HWBK
Hawthorn Bancshares
34.92
8.52
32.26%
LCNB
LCNB
16.95
4.00
30.85%
OPBK
OP Bancorp
14.25
4.02
39.34%
FRAF
Franklin Financial Services
56.60
23.10
68.96%
Bank of Princeton Corporate Events
Dividends
Princeton Bancorp Declares Quarterly Cash Dividend for Shareholders
Positive
Jan 22, 2026
On January 21, 2026, Princeton Bancorp, Inc. announced that its board of directors declared a quarterly cash dividend of $0.35 per share of common stock, to be paid on February 27, 2026 to shareholders of record as of February 4, 2026. Management ...
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.