Bank of Princeton (BPRN) AI Stock Analysis

• Market Cap: $216.81M
• Dividend Yield: 3.74%
• Average Volume (3M): 10.25K
• Price to Earnings (P/E): 12.5
• Beta (1Y): 0.83
• Revenue Growth: 12.92%
• EPS Growth: 56.52%
• Country: US
• Employees: 242
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.95
• Shares Outstanding: 6,747,923
• 10 Day Avg. Volume: 11,108
• 30 Day Avg. Volume: 10,252
• PEG Ratio: -0.36
• Price to Book (P/B): 0.86
• Price to Sales (P/S): 1.71
• P/FCF Ratio: 17.03
• Enterprise Value/Market Cap: 1.03
• Enterprise Value/Revenue: 1.60
• Enterprise Value/Gross Profit: 11.36
• Enterprise Value/Ebitda: 9.00
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 70 Outperform
• Price Target: $37.00 ▲(10.58% Upside)

The Bank of Princeton's overall stock score reflects a balance of strong profitability and stable financials against challenges in revenue growth and potential overbought technical indicators. The stock's fair valuation and attractive dividend yield provide additional support, making it a moderately attractive investment.

Bank of Princeton Business Overview & Revenue Model

Company Description

Bank of Princeton (BPRN) is a community bank based in Princeton, New Jersey, providing a range of financial services to individuals and small to medium-sized businesses. The bank operates primarily in the retail banking sector and offers products such as checking and savings accounts, loans, mortgages, and investment services. BPRN is dedicated to serving its local community by providing personalized banking solutions and fostering long-term relationships with its customers.

How the Company Makes Money

Bank of Princeton generates revenue through various channels, primarily through interest income from loans and mortgages, which constitutes a significant portion of its earnings. The bank lends money to consumers and businesses, charging interest on these loans, which provides a steady income stream. Additionally, BPRN earns money through fees associated with account services, such as overdraft fees, ATM fees, and maintenance fees on accounts. The bank may also generate revenue from investment services and wealth management fees. Strategic partnerships with local businesses and community organizations can enhance customer acquisition and retention, further contributing to its revenue base. Overall, the bank's focus on community banking allows it to cultivate loyal customer relationships, which is essential for its long-term profitability.

Bank of Princeton Financial Statement Overview

Summary

The Bank of Princeton demonstrates a mixed financial performance. While profitability metrics are strong, the significant decline in revenue growth in the TTM is a major concern. The balance sheet remains stable with low leverage, but declining ROE could pose future risks. Cash flow generation has improved, yet the lack of some TTM ratios limits a full assessment. Overall, the bank shows financial resilience but faces challenges in sustaining growth.

Income Statement

The Bank of Princeton shows a mixed performance in its income statement. The TTM data indicates a significant decline in revenue growth, with a negative growth rate of -80.1%, which is concerning. However, the bank maintains a strong net profit margin of 42.25% in the TTM, showcasing profitability. Historical data shows fluctuating EBIT and EBITDA margins, with a notable drop in gross profit margin from 2022 to the TTM. Overall, while profitability remains strong, the sharp decline in revenue growth is a critical weakness.

Balance Sheet

The balance sheet of the Bank of Princeton is relatively stable. The debt-to-equity ratio is low, indicating conservative leverage, which is a positive sign of financial stability. Return on equity has decreased in the TTM compared to previous years, which could be a concern for investors. The equity ratio remains healthy, suggesting a strong capital base. Overall, the balance sheet reflects stability with low leverage, but declining ROE could be a potential risk.

Cash Flow

The cash flow statement reveals a strong free cash flow growth rate of 54.1% in the TTM, indicating improved cash generation. The operating cash flow to net income ratio is not available for the TTM, but historical data shows variability. The free cash flow to net income ratio is robust at 84.68% in the TTM, reflecting efficient cash conversion. Despite the positive cash flow growth, the absence of some ratios in the TTM data limits a comprehensive analysis.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	138.90M	131.10M	105.40M	78.94M	73.94M	66.48M
Gross Profit	19.59M	69.58M	69.33M	72.94M	63.64M	48.43M
EBITDA	24.73M	15.10M	32.31M	36.10M	31.14M	19.18M
Net Income	17.76M	10.24M	25.77M	26.49M	22.49M	13.81M
Balance Sheet
Total Assets	2.23B	2.34B	1.92B	1.60B	1.69B	1.60B
Cash, Cash Equivalents and Short-Term Investments	242.90M	227.59M	125.88M	106.64M	113.18M	143.06M
Total Debt	21.22M	22.94M	24.28M	26.77M	18.56M	18.99M
Total Liabilities	1.96B	2.08B	1.68B	1.38B	1.47B	1.39B
Stockholders Equity	266.61M	262.04M	240.21M	219.60M	216.58M	208.82M
Cash Flow
Free Cash Flow	13.04M	13.21M	21.40M	23.38M	11.71M	15.00M
Operating Cash Flow	13.70M	14.73M	23.11M	23.99M	12.90M	18.10M
Investing Cash Flow	-12.80M	-154.05M	-5.76M	-26.46M	3.54M	-140.25M
Financing Cash Flow	-131.53M	106.11M	79.85M	-102.89M	64.84M	126.98M

Bank of Princeton Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 33.46
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: 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 33.46 is above the 20-day moving average (MA) of 31.15, above the 50-day MA of 31.40, and above the 200-day MA of 30.70, indicating a bullish trend. The MACD of 0.61 indicates Negative momentum. The RSI at 71.60 is Negative, neither overbought nor oversold. The STOCH value of 91.09 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CFFI	74 Outperform	$228.59M	8.73	10.89%	2.57%	8.53%	42.73%
LCNB	72 Outperform	$220.60M	9.34	8.97%	5.68%	5.07%	228.39%
FRAF	71 Outperform	$206.19M	13.15	9.91%	2.69%	12.06%	10.38%
BPRN	70 Outperform	$216.81M	12.50	6.73%	3.74%	12.92%	56.52%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
OPBK	67 Neutral	$195.00M	8.34	10.99%	3.64%	9.10%	12.36%
HWBK	64 Neutral	$213.83M	9.71	14.27%	2.55%	0.16%	258.06%

Bank of Princeton Corporate Events

Princeton Bancorp Reports Strong Q3 2025 Earnings

Princeton Bancorp, Inc. is the holding company for The Bank of Princeton, a community bank operating 28 branches across New Jersey, with additional branches in Pennsylvania and New York. The bank is known for its focus on serving local communities and is a member of the Federal Deposit Insurance Corporation.

Princeton Bancorp Announces 16.7% Dividend Increase

On October 29, 2025, Princeton Bancorp, Inc. announced a 16.7% increase in its third-quarter cash dividend, declaring a cash dividend of $0.35 per share of common stock. This decision reflects the Board of Directors and management’s confidence in the company’s performance and commitment to providing strong returns to shareholders. The dividend will be payable on November 26, 2025, to shareholders of record as of November 7, 2025. The announcement underscores the company’s strategic focus on maintaining financial health and delivering shareholder value, although future dividends are contingent on various factors, including financial conditions and regulatory requirements.

The most recent analyst rating on (BPRN) stock is a Hold with a $33.00 price target. To see the full list of analyst forecasts on Bank of Princeton stock, see the BPRN Stock Forecast page.