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Princeton Bancorp, Inc.

BPRN

$42.18 ▲ +0.12 (+0.27%) at close

6 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

Princeton Bancorp, Inc. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $288.0M

Dividend Yield 2.96%

Revenue Growth 12.8% ↗

Op. Margin 28.1% ↗

ROIC None

FCF / Share None

Trailing P/E 15.5x

Price / Book 1.1x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

6-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$84.28M

↑ +12.8% —

Net Income Profit after all expenses

$18.61M

↑ +81.7% —

Operating Margin Operating profit as % of sales

28.1%

↑ +63.7% 84th

Long-Term Debt Long-term obligations

$0.00

↓ -100.0% —

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Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$1.25 Latest / share

+4.2% YoY

+17.3% 5-yr CAGR

FY 2020

$0.66

FY 2021

$1.00

FY 2022

$1.20

FY 2023

$1.20

FY 2024

$1.25

FY 2025

Financial view

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📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Revenue Growth YoY (%)	12.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+114%)	-9.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-251%)	12.6% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+110%)	8.4% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+41%)	—	—
EPS Growth YoY (%)	73.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-61.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-2.1% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	24.3% Good Good Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	81.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-60.2% Weak ↓ Weak Declining Year-over-year change in net income	-2.8% Weak Weak Year-over-year change in net income	17.8% Good Good Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	4.9% Caution Caution Compound annual revenue growth over 3 years	3.5% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—
EPS CAGR 3Y (%)	-13.3% Weak Weak Compound annual EPS growth over 3 years	-22.5% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Operating Margin (%) (%)	28.1% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	17.2% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	36.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	46.7% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+87%)	43.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+74%)	—
Effective Tax Rate (%) (%)	21.4% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.1% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.1% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.2% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.0% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	22.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	13.7% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	31.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	36.3% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+65%)	33.4% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	6.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	3.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-67%)	10.7% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-11%)	12.1% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.4% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Debt to Equity (x)	—	—	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.05x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Revenue per Share (USD)	$12.35	$11.44	$13.08	$11.54	$10.09	—
Basic EPS, GAAP (USD)	$2.73	$1.57	$4.10	$4.19	$3.37	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.25	$1.20	$1.20	$1.00	$0.66	—
Book Value per Share (USD)	$40.01	$38.07	$38.13	$35.16	$33.42	—
Tangible Book Value per Share (USD)	$37.89	$35.98	$36.73	$33.74	$32.05	—
Basic Weighted Avg Shares (shares)	6.83M	6.53M	6.28M	6.32M	6.67M	—
Dividend Payout Ratio (%)	45.8% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	76.4% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	29.3% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	23.9% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	19.6% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	$0.00	$10.00M	$0.00	—
Total Equity (USD)	$270.71M	$262.04M	$240.21M	$219.60M	$216.58M	$208.82M

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Sales/Revenue/Turnover (USD)	$84.28M	$74.69M	$82.14M	$72.94M	$67.27M	—
Net Income, GAAP (USD)	$18.61M	$10.24M	$25.77M	$26.49M	$22.49M	—
Operating Cash Flow (USD)	$21.49M	$14.73M	$23.11M	$23.99M	$12.90M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Net Interest Margin (approx.) (%)	3.3%	2.8%	3.4%	4.3%	3.7%	—
Efficiency Ratio (%) (%)	64.0%	76.0%	59.3%	52.8%	51.2%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 6 years · 19 quarters

Princeton Bancorp, Inc.

Analytical Summary

6-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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