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PRINCETON BANCORP INC (BPRN) Stock Fundamental Analysis

NASDAQ:BPRN - Nasdaq - US74179A1079 - Common Stock - Currency: USD

29.06  -0.15 (-0.51%)

After market: 29.06 0 (0%)

Fundamental Rating

4

Overall BPRN gets a fundamental rating of 4 out of 10. We evaluated BPRN against 398 industry peers in the Banks industry. While BPRN seems to be doing ok healthwise, there are quite some concerns on its profitability. BPRN has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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2

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.
Of the past 5 years BPRN 4 years had a positive operating cash flow.
BPRN Yearly Net Income VS EBIT VS OCF VS FCFBPRN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M

1.2 Ratios

With a Return On Assets value of 0.44%, BPRN is not doing good in the industry: 78.14% of the companies in the same industry are doing better.
With a Return On Equity value of 3.94%, BPRN is not doing good in the industry: 82.66% of the companies in the same industry are doing better.
Industry RankSector 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
BPRN Yearly ROA, ROE, ROICBPRN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

BPRN has a Profit Margin of 14.21%. This is in the lower half of the industry: BPRN underperforms 76.63% of its industry peers.
In the last couple of years the Profit Margin of BPRN has declined.
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) 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
BPRN Yearly Profit, Operating, Gross MarginsBPRN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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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.
BPRN has more shares outstanding than it did 1 year ago.
BPRN has more 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.
BPRN Yearly Shares OutstandingBPRN Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
BPRN Yearly Total Debt VS Total AssetsBPRN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

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
WACC18.7%
BPRN Yearly LT Debt VS Equity VS FCFBPRN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BPRN Yearly Current Assets VS Current LiabilitesBPRN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M

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6

3. Growth

3.1 Past

BPRN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -29.03%.
The Earnings Per Share has been growing by 14.24% on average over the past years. This is quite good.
The Revenue has decreased by -9.06% in the past year.
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

Based on estimates for the next years, BPRN will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.28% on average per year.
The Revenue is expected to grow by 15.03% on average over the next years. This is quite good.
EPS Next Y17.57%
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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
BPRN Yearly Revenue VS EstimatesBPRN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M
BPRN Yearly EPS VS EstimatesBPRN Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.16, the valuation of BPRN can be described as very reasonable.
BPRN's Price/Earnings ratio is a bit cheaper when compared to the industry. BPRN is cheaper than 70.85% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.92, BPRN is valued rather cheaply.
A Price/Forward Earnings ratio of 8.64 indicates a reasonable valuation of BPRN.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BPRN indicates a somewhat cheap valuation: BPRN is cheaper than 70.10% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.65, BPRN is valued rather cheaply.
Industry RankSector Rank
PE 10.16
Fwd PE 8.64
BPRN Price Earnings VS Forward Price EarningsBPRN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BPRN is valued a bit more expensive than the industry average as 67.09% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 16.59
EV/EBITDA N/A
BPRN Per share dataBPRN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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.
BPRN's earnings are expected to grow with 17.28% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.58
PEG (5Y)0.71
EPS Next 2Y17.28%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

BPRN has a Yearly Dividend Yield of 4.22%, which is a nice return.
Compared to an average industry Dividend Yield of 3.63, BPRN pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.51, BPRN pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.22%

5.2 History

On average, the dividend of BPRN grows each year by 109.30%, which is quite nice.
BPRN has been paying a dividend for over 5 years, so it has already some track record.
BPRN has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)109.3%
Div Incr Years5
Div Non Decr Years6
BPRN Yearly Dividends per shareBPRN Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

BPRN pays out 73.68% of its income as dividend. This is not a sustainable payout ratio.
BPRN's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP73.68%
EPS Next 2Y17.28%
EPS Next 3YN/A
BPRN Yearly Income VS Free CF VS DividendBPRN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
BPRN Dividend Payout.BPRN Dividend Payout, showing the Payout Ratio.BPRN Dividend Payout.PayoutRetained Earnings

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PRINCETON BANCORP INC

NASDAQ:BPRN (4/24/2025, 4:02:30 PM)

After market: 29.06 0 (0%)

29.06

-0.15 (-0.51%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28 2025-01-28/amc
Earnings (Next)04-24 2025-04-24/amc
Inst Owners44.74%
Inst Owner Change0.81%
Ins Owners25.33%
Ins Owner Change5.08%
Market Cap201.10M
Analysts80
Price Target35.7 (22.85%)
Short Float %0.67%
Short Ratio4.32
Dividend
Industry RankSector Rank
Dividend Yield 4.22%
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)0%
PT rev (3m)-10.26%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.5%
EPS NY rev (3m)-6.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.36%
Valuation
Industry RankSector Rank
PE 10.16
Fwd PE 8.64
P/S 2.78
P/FCF 16.59
P/OCF 15.14
P/B 0.77
P/tB 0.83
EV/EBITDA N/A
EPS(TTM)2.86
EY9.84%
EPS(NY)3.36
Fwd EY11.57%
FCF(TTM)1.75
FCFY6.03%
OCF(TTM)1.92
OCFY6.6%
SpS10.47
BVpS37.79
TBVpS35.15
PEG (NY)0.58
PEG (5Y)0.71
Profitability
Industry RankSector 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 RankSector 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
WACC18.7%
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 Y17.57%
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