Bank of Princeton (BPRN) AI Stock Analysis

• Market Cap: $221.87M
• Dividend Yield: 3.75%
• Average Volume (3M): 12.84K
• Price to Earnings (P/E): 19.5
• Beta (1Y): 0.79
• Revenue Growth: 10.64%
• EPS Growth: -56.22%
• Country: US
• Employees: 242
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 0.77
• Shares Outstanding: 6,929,130
• 10 Day Avg. Volume: 16,145
• 30 Day Avg. Volume: 12,839
• PEG Ratio: 0.31
• Price to Book (P/B): 0.91
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 8.57
• Enterprise Value/Market Cap: 0.71
• Enterprise Value/Revenue: 0.39
• Enterprise Value/Gross Profit: 1.63
• Enterprise Value/Ebitda: 1.88
• 1Y Price Target: $35.00
• Price Target Upside: 9.31% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 68 Neutral
• Price Target: $33.00 ▲(3.06%Upside)

BPRN's overall score is driven by its solid financial performance, attractive dividend yield, and fair valuation. However, the technical analysis presents mixed signals, and the recent impairment charge due to delinquent loans poses a risk. Despite these challenges, the bank's stable financial foundation supports a moderately positive outlook.

Bank of Princeton Business Overview & Revenue Model

Company Description

The Bank of Princeton (BPRN) is a community bank based in Princeton, New Jersey. It operates within the financial services sector, focusing on providing a range of banking products and services to individuals, businesses, and institutions. The bank offers services such as personal and business checking and savings accounts, mortgage and consumer loans, commercial lending, and various other financial products.

How the Company Makes Money

The Bank of Princeton generates its revenue primarily through interest income and non-interest income. Interest income is derived from the interest charged on loans provided to individuals and businesses, such as mortgage loans, commercial loans, and consumer loans. Non-interest income is generated from fees and service charges associated with various banking activities, including account maintenance fees, transaction fees, and other service-related charges. Additionally, the bank may earn revenue through investment securities and partnerships with financial service providers, contributing to its overall earnings.

Bank of Princeton Financial Statement Overview

Summary

The Bank of Princeton presents a strong financial profile with impressive revenue growth and efficient operations. The balance sheet reflects low leverage and a solid capital structure, albeit with a slight decline in return on equity. Cash flow management is generally sound, though there is a noted decline in free cash flow. Despite these minor concerns, the financial statements suggest a stable and growing banking institution with adequate risk management.

Income Statement

The Bank of Princeton demonstrates strong revenue growth over the years, particularly a notable increase from 2023 to 2024. The gross profit margin remains high at 100% due to the nature of banking operations where total revenue equals gross profit. However, the net profit margin is lower in 2024 compared to 2023, indicating increased expenses or costs. The EBIT margin is healthy and shows an upward trend, reinforcing operational efficiency.

Balance Sheet

The balance sheet reflects a stable financial position with a low debt-to-equity ratio, which suggests prudent leverage management. The equity ratio remains strong, indicating a solid capital structure. However, the return on equity has decreased from 2023 to 2024, which may suggest that the company is not generating as much profit from its equity as in previous years.

Cash Flow

The free cash flow remains positive, although it has decreased from the previous year, signaling potential challenges in cash generation. The operating cash flow to net income ratio is robust, highlighting effective cash management. However, the free cash flow to net income ratio has declined, pointing to potential cash sustainability issues.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	74.69M	69.33M	72.94M	67.27M	53.66M
Gross Profit	26.43M	69.33M	72.94M	67.27M	53.66M
EBITDA	0.00	32.31M	36.10M	31.14M	19.18M
Net Income	10.24M	25.77M	26.49M	22.49M	13.81M
Balance Sheet
Total Assets	2.34B	1.92B	1.60B	1.69B	1.60B
Cash, Cash Equivalents and Short-Term Investments	264.09M	150.56M	136.75M	113.18M	153.06M
Total Debt	22.94M	24.28M	10.00M	18.56M	18.99M
Total Liabilities	2.08B	1.68B	1.38B	1.47B	1.39B
Stockholders Equity	262.04M	240.21M	219.60M	216.58M	208.82M
Cash Flow
Free Cash Flow	13.21M	21.40M	23.38M	9.21M	15.00M
Operating Cash Flow	14.73M	23.11M	23.99M	12.90M	18.10M
Investing Cash Flow	-154.05M	-5.76M	-26.46M	3.54M	-140.25M
Financing Cash Flow	106.11M	79.85M	-102.89M	64.84M	126.98M

Bank of Princeton Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 32.02
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: 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 32.02 is above the 20-day moving average (MA) of 30.35, above the 50-day MA of 30.61, and below the 200-day MA of 32.77, indicating a neutral trend. The MACD of 0.18 indicates Negative momentum. The RSI at 60.60 is Neutral, neither overbought nor oversold. The STOCH value of 76.51 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BPRN.

Bank of Princeton Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MBCN	79 Outperform	$249.22M	15.41	7.72%	2.72%	8.36%	-2.51%
LCNB	78 Outperform	$215.63M	13.33	6.54%	5.78%	24.45%	25.55%
PVBC	71 Outperform	$222.75M	48.27	1.93%	―	-4.32%	-68.19%
PWOD	70 Outperform	$241.07M	11.34	10.50%	4.04%	14.11%	29.41%
BPRN	68 Neutral	$221.87M	19.51	4.43%	3.75%	10.64%	-56.22%
Sector *	67 Neutral	$16.84B	11.72	9.71%	3.76%	11.61%	-9.60%
BLFY	61 Neutral	$211.34M	―	-3.48%	―	7.45%	-41.97%

Bank of Princeton Corporate Events

Bank of Princeton Announces $9.9 Million Impairment Charge

On May 28, 2025, the Bank of Princeton‘s Board of Directors, CEO, and CFO determined that a material impairment charge of $9.9 million is necessary due to the delinquency of two commercial real estate loans. This decision follows bids received for the collateral of these loans, which the lead bank is attempting to sell. The after-tax impact on the company’s income statement is projected to be approximately $6.0 million, or $0.86 per diluted common share, although the properties’ occupancy levels are expected to cover operational and maintenance costs.

The most recent analyst rating on (BPRN) stock is a Buy with a $35.00 price target. To see the full list of analyst forecasts on Bank of Princeton stock, see the BPRN Stock Forecast page.