PRINCETON BANCORP INC(NASDAQ:BPRN) stock Fundamental Analysis

Fundamental Rating

BPRN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. BPRN scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. BPRN has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

In the past year BPRN was profitable.

BPRN had a positive operating cash flow in the past year.

BPRN had positive earnings in each of the past 5 years.

BPRN had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

BPRN has a Return On Assets of 0.44%. This is in the lower half of the industry: BPRN underperforms 76.69% of its industry peers.

With a Return On Equity value of 3.94%, BPRN is not doing good in the industry: 81.70% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	0.44%
ROE	3.94%
ROIC	N/A

ROA(3y)1.15%

ROA(5y)1.13%

ROE(3y)8.9%

ROE(5y)8.74%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

BPRN has a Profit Margin of 14.21%. This is in the lower half of the industry: BPRN underperforms 76.94% of its industry peers.

BPRN's Profit Margin has declined in the last couple of years.

BPRN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	14.21%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-25.7%

PM growth 5Y-9.52%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BPRN does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, BPRN has more shares outstanding

The number of shares outstanding for BPRN has been increased compared to 5 years ago.

BPRN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

BPRN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	N/A

ROIC/WACCN/A

WACC18.07%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for BPRN have decreased strongly by -29.03% in the last year.

Measured over the past years, BPRN shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.24% on average per year.

BPRN shows a decrease in Revenue. In the last year, the revenue decreased by -9.06%.

The Revenue has been growing by 10.74% on average over the past years. This is quite good.

EPS 1Y (TTM)-29.03%

EPS 3Y-4.66%

EPS 5Y14.24%

EPS Q2Q%-8.54%

Revenue 1Y (TTM)-9.06%

Revenue growth 3Y3.55%

Revenue growth 5Y10.74%

Sales Q2Q%12.47%

3.2 Future

The Earnings Per Share is expected to grow by 17.28% on average over the next years. This is quite good.

BPRN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.03% yearly.

EPS Next Y18.17%

EPS Next 2Y17.28%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year13.83%

Revenue Next 2Y15.03%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.98, which indicates a very decent valuation of BPRN.

BPRN's Price/Earnings ratio is a bit cheaper when compared to the industry. BPRN is cheaper than 72.43% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 29.62, BPRN is valued rather cheaply.

A Price/Forward Earnings ratio of 9.29 indicates a reasonable valuation of BPRN.

80.95% of the companies in the same industry are more expensive than BPRN, based on the Price/Forward Earnings ratio.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, BPRN is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.98
Fwd PE	9.29

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of BPRN indicates a slightly more expensive valuation: BPRN is more expensive than 62.41% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	17.82
EV/EBITDA	N/A

4.3 Compensation for Growth

BPRN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A more expensive valuation may be justified as BPRN's earnings are expected to grow with 17.28% in the coming years.

PEG (NY)0.6

PEG (5Y)0.77

EPS Next 2Y17.28%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.78%, BPRN has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.19, BPRN pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.27, BPRN pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.78%

5.2 History

The dividend of BPRN is nicely growing with an annual growth rate of 109.30%!

BPRN has been paying a dividend for over 5 years, so it has already some track record.

As BPRN did not decrease their dividend in the past 5 years, we can say the dividend looks stable.

Dividend Growth(5Y)109.3%

Div Incr Years5

Div Non Decr Years6

5.3 Sustainability

BPRN pays out 73.68% of its income as dividend. This is not a sustainable payout ratio.

The dividend of BPRN is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP73.68%

EPS Next 2Y17.28%

EPS Next 3YN/A

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PRINCETON BANCORP INC

NASDAQ:BPRN (2/21/2025, 8:04:07 PM)

After market: 31.4 0 (0%)

31.4

-0.37 (-1.16%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-28 2025-01-28/amc

Earnings (Next)N/A N/A

Inst Owners44.74%

Inst Owner Change-81.92%

Ins Owners25.33%

Ins Owner Change2.36%

Market Cap216.03M

Analysts47.5

Price Target35.7 (13.69%)

Short Float %0.48%

Short Ratio2.48

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.78%

Yearly Dividend1.21

Dividend Growth(5Y)109.3%

DP73.68%

Div Incr Years5

Div Non Decr Years6

Ex-Date02-05 2025-02-05 (0.3)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)77.94%

Min EPS beat(2)13.67%

Max EPS beat(2)142.22%

EPS beat(4)4

Avg EPS beat(4)40.71%

Min EPS beat(4)2.56%

Max EPS beat(4)142.22%

EPS beat(8)8

Avg EPS beat(8)63.25%

EPS beat(12)12

Avg EPS beat(12)44.29%

EPS beat(16)15

Avg EPS beat(16)34.46%

Revenue beat(2)0

Avg Revenue beat(2)-2.32%

Min Revenue beat(2)-3.32%

Max Revenue beat(2)-1.32%

Revenue beat(4)0

Avg Revenue beat(4)-3.92%

Min Revenue beat(4)-7.01%

Max Revenue beat(4)-1.32%

Revenue beat(8)1

Avg Revenue beat(8)-2.84%

Revenue beat(12)5

Avg Revenue beat(12)1.53%

Revenue beat(16)9

Avg Revenue beat(16)3.48%

PT rev (1m)-10.26%

PT rev (3m)-10.26%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)-6.14%

EPS NY rev (3m)-6.54%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)-3.36%

Revenue NY rev (3m)-3.47%

Valuation

		Industry Rank	Sector Rank
PE	10.98
Fwd PE	9.29
P/S	2.98
P/FCF	17.82
P/OCF	16.27
P/B	0.83
P/tB	0.89
EV/EBITDA	N/A

EPS(TTM)2.86

EY9.11%

EPS(NY)3.38

Fwd EY10.76%

FCF(TTM)1.76

FCFY5.61%

OCF(TTM)1.93

OCFY6.15%

SpS10.53

BVpS38.01

TBVpS35.36

PEG (NY)0.6

PEG (5Y)0.77

Profitability

		Industry Rank	Sector Rank
ROA	0.44%
ROE	3.94%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	14.21%
GM	N/A
FCFM	16.74%

ROA(3y)1.15%

ROA(5y)1.13%

ROE(3y)8.9%

ROE(5y)8.74%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-25.7%

PM growth 5Y-9.52%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	53.8%
Cap/Sales	1.59%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	117.74%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC18.07%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-29.03%

EPS 3Y-4.66%

EPS 5Y14.24%

EPS Q2Q%-8.54%

EPS Next Y18.17%

EPS Next 2Y17.28%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-9.06%

Revenue growth 3Y3.55%

Revenue growth 5Y10.74%

Sales Q2Q%12.47%

Revenue Next Year13.83%

Revenue Next 2Y15.03%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-53.88%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-52.2%

OCF growth 3YN/A

OCF growth 5YN/A

PRINCETON BANCORP INC (BPRN) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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