BPRN
NEUTRAL
$37.08
Live
Princeton Bancorp, Inc. · NASDAQ
Target $35.0
(-5.6%)
$27.25
52W Range
$37.5
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
AI-powered fundamental assessment
Confidence
68%
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% |
|
GLO
Clough Global Opportunities Fund
Peer
|
-17.9% | +71.4% | +32.7% | +6.3% | +8.2% | +0.7% |
|
FUNC
First United Corporation
Peer
|
+176.0% | +161.7% | +34.4% | +9.5% | +8.9% | +5.7% |
|
FCT
First Trust Senior Floating Rate Income Fund II
Peer
|
+34.6% | +41.6% | +12.5% | +7.4% | +2.7% | 0.0% |
|
FRAF
Franklin Financial Services Corporation
Peer
|
+128.0% | +118.9% | +49.4% | +23.8% | +12.9% | -1.3% |
BPR
Princeton Bancorp, Inc.
Primary
5Y
+94.1%
3Y
+27.8%
1Y
+16.7%
6M
+19.4%
1M
+5.0%
1W
+1.6%
GLO
Clough Global Opportunities Fund
Peer
5Y
-17.9%
3Y
+71.4%
1Y
+32.7%
6M
+6.3%
1M
+8.2%
1W
+0.7%
FUN
First United Corporation
Peer
5Y
+176.0%
3Y
+161.7%
1Y
+34.4%
6M
+9.5%
1M
+8.9%
1W
+5.7%
FCT
First Trust Senior Floating Rate Income Fund II
Peer
5Y
+34.6%
3Y
+41.6%
1Y
+12.5%
6M
+7.4%
1M
+2.7%
1W
0.0%
FRA
Franklin Financial Services Corporation
Peer
5Y
+128.0%
3Y
+118.9%
1Y
+49.4%
6M
+23.8%
1M
+12.9%
1W
-1.3%
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 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
14.21
This Stock
vs
36.01
Sector Avg
-60.5%
(Discount)
Return on Equity (ROE)
6.73%
This Stock
vs
-0.73%
Sector Avg
-1017.9%
(Below Avg)
Profit Margin
23.19%
This Stock
vs
91.62%
Sector Avg
-74.7%
(Weaker)
Revenue Growth
52.4%
This Stock
vs
35.27%
Sector Avg
+48.6%
(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 | |
|
GLO
Clough Global Opportunities Fund
|
BULLISH | $249.75M | 5.21 | 17.7% | 614.6% | $5.84 | Compare |
|
FUNC
First United Corporation
|
NEUTRAL | $254.27M | 10.37 | 12.8% | 28.5% | $39.11 | Compare |
|
FCT
First Trust Senior...
|
NEUTRAL | $254.38M | 15.06 | 6.1% | 65.5% | $9.79 | Compare |
|
FRAF
Franklin Financial...
|
NEUTRAL | $255.02M | 11.97 | 14.5% | 26.5% | $56.76 | Compare |
BPRN
Princeton Bancorp, Inc.
NEUTRAL
Mkt Cap
$251M
P/E
14.2
ROE
6.7%
Price
$37.08
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 |
ADKINS STEPHANIE
Officer
2026-01-22
776 shares
O DONNELL DANIEL J
Chief Operating Officer
2026-01-22
2,755 shares
DIETZLER EDWARD J
Chief Executive Officer
2026-01-22
3,317 shares
TUCHMAN MARTIN
Director and Beneficial Owner of more than 10% of a Class of Security
2025-11-20
3,056 shares
·
$98,653
TUCHMAN MARTIN
Director and Beneficial Owner of more than 10% of a Class of Security
2025-11-18
3,000 shares
·
$97,600
CLARK MATTHEW T
Chief Technology Officer
2025-11-12
1,500 shares
·
$48,930
TUCHMAN MARTIN
Director and Beneficial Owner of more than 10% of a Class of Security
2025-11-12
5,052 shares
·
$166,714
TUCHMAN MARTIN
Director and Beneficial Owner of more than 10% of a Class of Security
2025-11-07
493 shares
·
$16,269
TUCHMAN MARTIN
Director and Beneficial Owner of more than 10% of a Class of Security
2025-11-05
2,003 shares
·
$64,598
ADKINS STEPHANIE
Officer
2025-11-04
1,508 shares
·
$33,176
BARRETT SUSAN
Director
2025-11-03
1,600 shares
·
$50,400
ADKINS STEPHANIE
Officer
2025-09-10
1,095 shares
·
$24,090
DISTLER STEPHEN
Director
2025-09-08
10,000 shares
·
$330,000
TUCHMAN MARTIN
Director and Beneficial Owner of more than 10% of a Class of Security
2025-09-08
10,000 shares
·
$330,000
TUCHMAN MARTIN
Director and Beneficial Owner of more than 10% of a Class of Security
2025-08-20
4,000 shares
·
$131,900
Insider transactions can signal confidence or concerns about company prospects
Past News Coverage
Recent headlines mentioning BPRN from our newsroom.
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