BPRN Princeton Bancorp, Inc. - Fundamental Analysis
NEUTRAL
Sign in to save
Save this symbol to a watchlist or track a position.
BPRN Stock | Fundamental Analysis & Investment Insights
NASDAQ
Financial Services
Banks - Regional
Current Price
Live
$37.08
Analyst Target
$35.0
-5.6%
Downside
52W High
$37.5
52W Low
$27.25
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$250.77M
P/E
14.21
ROE
6.7%
Profit margin
23.2%
Debt/Equity
N/A
Dividend yield
3.78%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
68%
Analysis Accuracy
BPRN exhibits weak financial health with a Piotroski F-Score of 3/9, signaling significant concerns in profitability, leverage, and operating efficiency. Despite this, the stock shows strong revenue growth (52.4% YoY) and impressive earnings surprises, with a recent YoY EPS growth of 50.8% and a staggering Q/Q EPS jump of 850%. Valuation appears reasonable relative to peers with a P/E of 14.21 vs. sector average of 21.55, and a Price/Book of 0.94 suggesting near-book value trading. However, bearish insider activity, low technical trend (10/100), and lack of key financial data (Altman Z-Score, debt/equity, cash flow) constrain confidence in sustained outperformance.
Key Strengths
Strong revenue growth (52.4% YoY) outpacing sector average (45.57%)
High operating margin (39.92%) indicating efficient cost management
Attractive dividend yield of 3.78% with sustainable 46.15% payout ratio
Valuation below sector average with P/E of 14.21 vs. 21.55
History of beating earnings estimates (3 out of last 4 quarters)
Key Risks
Very low Piotroski F-Score (3/9) indicating weak financial health
Missing Altman Z-Score and debt/equity data raises uncertainty about solvency risk
Bearish insider sentiment with $0.42M in net selling over last 6 months
Technical trend is extremely weak at 10/100, suggesting near-term price pressure
Lack of key financials (cash, debt, EV, ROIC) limits full risk assessment
AI Fair Value Estimate
Based on comprehensive analysis
$48.08
+29.7% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
62
Strong
72
76
58
32
70
AI Verdict
Neutral with caution due to weak financial health offset by strong growth and valuation
Key drivers: High revenue and earnings growth, Low Piotroski F-Score, Attractive dividend and valuation, Bearish insider activity, Missing financial health data
Confidence
70%
Value
72/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 14.21 below sector average of 21.55
- Price/Book of 0.94 suggests near-book value trading
- Graham Number ($48.08) implies 29.6% upside
Watchpoints
- Forward P/E not fully validating current premium
- PEG unavailable limits growth-adjusted valuation
Future
76/100
Ref Growth rates
Positives
- 52.4% YoY revenue growth
- 50.8% YoY EPS growth
- 850% Q/Q EPS growth (indicative of strong rebound)
Watchpoints
- Earnings growth volatility evident in past surprises
- Forward P/E not deeply discounted
Past
58/100
Ref Historical trends
Positives
- Consistent earnings beat history (22 out of 25 quarters)
- Strong long-term price appreciation (94.1% over 5Y)
Watchpoints
- Recent earnings miss in Jan 2025 (-12.4%)
- High volatility in quarterly EPS (e.g., $2.14 surprise in Q3 2023)
Health
32/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Positive ROE (6.73%) and ROA (0.78%)
Watchpoints
- Piotroski F-Score of 3/9 indicates weak financial health
- Altman Z-Score missing, raising red flag
- No data on debt/equity, cash, or liquidity ratios
Dividend
70/100
Ref Yield, Payout
Positives
- Dividend yield of 3.78% above market average
- Payout ratio of 46.15% is sustainable
- Dividend strength rated 50/100, indicating moderate reliability
Watchpoints
- 5-year average yield unavailable, limiting trend analysis
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$37.08
Analyst Target
$35.0
Upside/Downside
-5.6%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BPRN and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BPRN
Princeton Bancorp, Inc.
Primary
|
+94.1% | +27.8% | +16.7% | +19.4% | +5.0% | +1.6% |
|
BNY
BlackRock New York Municipal Income Trust
Peer
|
-10.7% | +6.7% | +4.5% | +11.3% | +1.2% | -0.6% |
|
BLFY
Blue Foundry Bancorp
Peer
|
-0.3% | +3.9% | +33.0% | +42.1% | +0.9% | +0.9% |
|
AIFU
AIFU Inc.
Peer
|
-99.3% | -98.8% | -75.2% | -67.8% | +11.1% | +4.6% |
|
ATLO
Ames National Corporation
Peer
|
+26.8% | +16.5% | +43.4% | +34.4% | +5.2% | +3.1% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
14.21
Forward P/E
9.82
PEG Ratio
N/A
P/B Ratio
0.94
P/S Ratio
3.27
EV/Revenue
2.6
EV/EBITDA
N/A
Market Cap
$250.77M
Profitability
Profit margins and return metrics
Profit Margin
23.19%
Operating Margin
39.92%
Gross Margin
N/A
ROE
6.73%
ROA
0.78%
Growth
Revenue and earnings growth rates
Revenue Growth
+52.4%
Earnings Growth
N/A
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
N/A
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$10.78
Quarterly Earnings History
EPS performance vs analyst estimates
2026-01-29
$N/A
2025-10-29
$0.95
+5.6% surprise
2025-07-24
$0.1
+433.3% surprise
2025-04-24
$0.77
+0.4% surprise
Financial Services Sector Comparison
Comparing BPRN against 208 companies in the Financial Services sector
(5 bullish, 111 neutral, 92 bearish)
P/E Ratio
14.21
This Stock
vs
30.37
Sector Avg
-53.2%
(Discount)
Return on Equity (ROE)
6.73%
This Stock
vs
-7.62%
Sector Avg
-188.2%
(Below Avg)
Profit Margin
23.19%
This Stock
vs
82.75%
Sector Avg
-72.0%
(Weaker)
Revenue Growth
52.4%
This Stock
vs
28.35%
Sector Avg
+84.9%
(Fast Growth)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BPRN
Princeton Bancorp, Inc.
|
NEUTRAL | $250.77M | 14.21 | 6.7% | 23.2% | $37.08 | |
|
BNY
BlackRock New York...
|
BEARISH | $244.55M | - | -8.6% | -115.2% | $10.14 | |
|
BLFY
Blue Foundry Bancorp
|
BEARISH | $266.99M | - | -2.8% | -20.6% | $12.86 | |
|
AIFU
AIFU Inc.
|
BEARISH | $230.48M | 0.17 | -7.4% | -1.4% | $1.99 | |
|
ATLO
Ames National Corporation
|
NEUTRAL | $215.81M | 13.56 | 8.3% | 26.5% | $24.27 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-01-22 | ADKINS STEPHANIE | Officer | Stock Award | 776 | - |
| 2026-01-22 | O DONNELL DANIEL J | Chief Operating Officer | Stock Award | 2,755 | - |
| 2026-01-22 | DIETZLER EDWARD J | Chief Executive Officer | Stock Award | 3,317 | - |
| 2025-11-20 | TUCHMAN MARTIN | Director and Beneficial Owner of more than 10% of a Class of Security | Purchase | 3,056 | $98,653 |
| 2025-11-18 | TUCHMAN MARTIN | Director and Beneficial Owner of more than 10% of a Class of Security | Purchase | 3,000 | $97,600 |
| 2025-11-12 | CLARK MATTHEW T | Chief Technology Officer | Sale | 1,500 | $48,930 |
| 2025-11-12 | TUCHMAN MARTIN | Director and Beneficial Owner of more than 10% of a Class of Security | Purchase | 5,052 | $166,714 |
| 2025-11-07 | TUCHMAN MARTIN | Director and Beneficial Owner of more than 10% of a Class of Security | Purchase | 493 | $16,269 |
| 2025-11-05 | TUCHMAN MARTIN | Director and Beneficial Owner of more than 10% of a Class of Security | Purchase | 2,003 | $64,598 |
| 2025-11-04 | ADKINS STEPHANIE | Officer | Option Exercise | 1,508 | $33,176 |
| 2025-11-03 | BARRETT SUSAN | Director | Purchase | 1,600 | $50,400 |
| 2025-09-10 | ADKINS STEPHANIE | Officer | Option Exercise | 1,095 | $24,090 |
| 2025-09-08 | DISTLER STEPHEN | Director | Sale | 10,000 | $330,000 |
| 2025-09-08 | TUCHMAN MARTIN | Director and Beneficial Owner of more than 10% of a Class of Security | Purchase | 10,000 | $330,000 |
| 2025-08-20 | TUCHMAN MARTIN | Director and Beneficial Owner of more than 10% of a Class of Security | Purchase | 4,000 | $131,900 |
Insider transactions can signal confidence or concerns about company prospects
Past News Coverage
Recent headlines mentioning BPRN from our newsroom.
Newest → oldest
No matching news yet.