PRINCETON BANCORP INC (BPRN)

US74179A1079 - Common Stock

36.88  -0.01 (-0.03%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to BPRN. BPRN was compared to 404 industry peers in the Banks industry. BPRN has an average financial health and profitability rating. BPRN has a correct valuation and a medium growth rate.



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4

1. Profitability

1.1 Basic Checks

In the past year BPRN was profitable.
BPRN had a positive operating cash flow in the past year.
Each year in the past 5 years BPRN has been profitable.
In the past 5 years BPRN always reported a positive cash flow from operatings.

1.2 Ratios

The Return On Assets of BPRN (1.13%) is better than 76.56% of its industry peers.
BPRN's Return On Equity of 9.13% is in line compared to the rest of the industry. BPRN outperforms 59.60% of its industry peers.
Industry RankSector Rank
ROA 1.13%
ROE 9.13%
ROIC N/A
ROA(3y)1.44%
ROA(5y)1.18%
ROE(3y)11.06%
ROE(5y)8.99%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

BPRN has a better Profit Margin (30.89%) than 85.79% of its industry peers.
In the last couple of years the Profit Margin of BPRN has remained more or less at the same level.
BPRN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 30.89%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.82%
PM growth 5Y-1.41%
GM growth 3YN/A
GM growth 5YN/A

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4

2. Health

2.1 Basic Checks

BPRN does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BPRN has been increased compared to 1 year ago.
BPRN has less shares outstanding than it did 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

There is no outstanding debt for BPRN. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC16.77%

2.3 Liquidity

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

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4

3. Growth

3.1 Past

BPRN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -32.49%.
BPRN shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.50% yearly.
Looking at the last year, BPRN shows a very negative growth in Revenue. The Revenue has decreased by -13.34% in the last year.
Measured over the past years, BPRN shows a quite strong growth in Revenue. The Revenue has been growing by 13.47% on average per year.
EPS 1Y (TTM)-32.49%
EPS 3Y26.1%
EPS 5Y13.5%
EPS Q2Q%-47.06%
Revenue 1Y (TTM)-13.34%
Revenue growth 3Y15.25%
Revenue growth 5Y13.47%
Sales Q2Q%2.55%

3.2 Future

The Earnings Per Share is expected to decrease by -0.56% on average over the next years.
Based on estimates for the next years, BPRN will show a quite strong growth in Revenue. The Revenue will grow by 8.83% on average per year.
EPS Next Y-24.7%
EPS Next 2Y-5.28%
EPS Next 3Y-0.56%
EPS Next 5YN/A
Revenue Next Year3.55%
Revenue Next 2Y10.3%
Revenue Next 3Y8.83%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4

4. Valuation

4.1 Price/Earnings Ratio

BPRN is valuated correctly with a Price/Earnings ratio of 12.59.
Based on the Price/Earnings ratio, BPRN is valued a bit cheaper than the industry average as 66.08% of the companies are valued more expensively.
BPRN is valuated cheaply when we compare the Price/Earnings ratio to 29.20, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 10.20, the valuation of BPRN can be described as very reasonable.
BPRN's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BPRN is cheaper than 78.55% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 24.00. BPRN is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.59
Fwd PE 10.2

4.2 Price Multiples

BPRN's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 13.83
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.93
EPS Next 2Y-5.28%
EPS Next 3Y-0.56%

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6

5. Dividend

5.1 Amount

BPRN has a Yearly Dividend Yield of 3.15%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.02, BPRN pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.23, BPRN pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.15%

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 Years5

5.3 Sustainability

BPRN pays out 33.59% of its income as dividend. This is a sustainable payout ratio.
DP33.59%
EPS Next 2Y-5.28%
EPS Next 3Y-0.56%

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PRINCETON BANCORP INC

NASDAQ:BPRN (11/22/2024, 8:26:48 PM)

36.88

-0.01 (-0.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap253.73M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 3.15%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 12.59
Fwd PE 10.2
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.93
Profitability
Industry RankSector Rank
ROA 1.13%
ROE 9.13%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 30.89%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-32.49%
EPS 3Y26.1%
EPS 5Y
EPS Q2Q%
EPS Next Y-24.7%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-13.34%
Revenue growth 3Y15.25%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y