A Business at a Glance
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Princeton Bancorp, Inc. operates in the State Commercial Banks industry, Financials sector. Full business description from SEC filing not yet available.
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 84M | 75M | 82M | 73M | 67M |
| Net Income | 18M | 10M | 26M | 26M | 22M |
| EPS | $2.60 | $1.55 | $4.03 | $4.11 | $3.30 |
| Free Cash Flow | 12M | 13M | 21M | 23M | 12M |
| ROIC | 6.7% | 3.9% | 22.4% | 13.6% | 12.8% |
| Gross Margin | - | - | - | - | - |
| Debt/Equity | 0.00 | 7.93 | 6.98 | 0.05 | 0.00 |
| Dividends/Share | $1.22 | $1.15 | $1.16 | $1.00 | $0.66 |
| Operating Income | 1.3M | 1.5M | 63M | 40M | 36M |
| Operating Margin | 1.6% | 2.0% | 77.2% | 54.9% | 53.3% |
| ROE | 6.7% | 4.1% | 10.7% | 12.1% | 10.4% |
| Shares Outstanding | 7M | 7M | 6M | 6M | 7M |
| Metric | 2021 | 2022 | |||
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | 67M | 73M | 82M | 75M | 84M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A |
| SG&A | N/A | N/A | N/A | N/A | N/A |
| EBIT | 36M | 40M | 63M | 1.5M | 1.3M |
| Op. Margin | 53.3% | 54.9% | 77.2% | 2.0% | 1.6% |
| Net Income | 22M | 26M | 26M | 10M | 18M |
| Net Margin | 33.4% | 36.3% | 31.4% | 13.7% | 21.3% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||
| ROIC | 12.8% | 13.6% | 22.4% | 3.9% | 6.7% |
| ROE | 10.4% | 12.1% | 10.7% | 4.1% | 6.7% |
| ROA | 1.3% | 1.7% | 1.3% | 0.5% | 95.9% |
| Cash Flow | |||||
| Op. Cash Flow | 13M | 24M | 23M | 15M | 14M |
| Free Cash Flow | 12M | 23M | 21M | 13M | 12M |
| Owner Earnings | 11M | 22M | 21M | 12M | 11M |
| CapEx | 1.2M | 607K | 1.7M | 1.5M | 1.3M |
| Maint. CapEx | 1.3M | 1.5M | 1.5M | 1.7M | 1.7M |
| Growth CapEx | 0 | 0 | 236K | 0 | 0 |
| D&A | 1.3M | 1.5M | 1.5M | 1.7M | 1.7M |
| CapEx/OCF | 9.2% | 2.5% | 7.4% | 10.4% | 9.8% |
| Capital Allocation | |||||
| Dividends Paid | 4.4M | 6.5M | 7.4M | 7.6M | 8.3M |
| Dividend Yield | 2.7% | 3.9% | 4.2% | 3.6% | 3.4% |
| Share Buybacks | 10M | 9.4M | 0 | 842K | 842K |
| Buyback Yield | 5.9% | 5.3% | N/A | 0.4% | 0.3% |
| Stock-Based Comp | 143K | 44K | 807K | 1.0M | 1.0M |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||
| Net Debt | 0 | 10M | N/A | N/A | 0 |
| Cash & Equiv. | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | 0 | 10M | N/A | N/A | N/A |
| Debt/Equity | 0.00 | 0.05 | 6.98 | 7.93 | 0.00 |
| Interest Coverage | 5.4 | 6.7 | 1.9 | 0.0 | 0.0 |
| Equity | 217M | 220M | 240M | 262M | 267M |
| Total Assets | 1.7B | 1.6B | 1.9B | 2.3B | 19M |
| Total Liabilities | 1.5B | 1.4B | 1.7B | 2.1B | 294M |
| Intangibles | 8.9M | 8.9M | 8.9M | 14M | 14M |
| Retained Earnings | 111M | 131M | 149M | 152M | 152M |
| Working Capital | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||
| EPS | 3.30 | 4.11 | 4.03 | 1.55 | 2.60 |
| Owner EPS | 1.68 | 3.48 | 3.26 | 1.82 | 1.63 |
| Book Value | 31.78 | 34.07 | 37.57 | 39.66 | 39.42 |
| Cash Flow/Share | 1.89 | 3.72 | 3.62 | 2.23 | 2.87 |
| Dividends/Share | 0.66 | 1.00 | 1.16 | 1.15 | 1.22 |
| Shares Out. | 6.8M | 6.4M | 6.4M | 6.6M | 6.8M |
| Valuation | |||||
| P/E Ratio | 7.5 | 6.7 | 8.3 | 21.1 | 13.8 |
| P/FCF | 14.4 | 7.6 | 10.0 | 16.4 | 19.6 |
| EV/EBIT | 4.7 | 4.7 | N/A | N/A | 181.0 |
| Price/Book | 0.8 | 0.8 | 0.9 | 0.8 | 0.9 |
| Price/Sales | 2.4 | 2.3 | 2.2 | 2.8 | 2.9 |
| FCF Yield | 6.9% | 13.1% | 10.0% | 6.1% | 5.1% |
| Market Cap | 169M | 179M | 214M | 216M | 242M |
| Avg. Price | 24.16 | 25.73 | 27.79 | 31.74 | 35.83 |
| Year-End Price | 24.78 | 27.70 | 33.54 | 32.73 | 35.83 |
Princeton Bancorp, Inc. passes 1 of 9 quality checks, indicating weak fundamentals.
Princeton Bancorp, Inc. trades at 13.8x trailing earnings, compared to its 15-year median P/E of 7.9x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 19.6x vs a median of 12.2x. The company's 5-year average ROIC is 13.2%. Total shareholder yield (dividends + buybacks) is 3.8%. At current prices, the estimated annualized return to fair value is +6.2%.
Princeton Bancorp, Inc. (BPRN) has a current P/E ratio of 13.8, compared to its historical median P/E of 7.9. The stock is currently considered Fair based on its historical valuation range.
Princeton Bancorp, Inc. (BPRN) has a 5-year average return on invested capital (ROIC) of 13.2%. This indicates solid capital allocation.
Princeton Bancorp, Inc. (BPRN) has a market capitalization of $242M. It is classified as a small-cap stock.
Yes, Princeton Bancorp, Inc. (BPRN) pays a dividend with a trailing twelve-month yield of 3.41%. The company also returns capital through share buybacks, with a buyback yield of 0.35%.
Based on historical P/E analysis, Princeton Bancorp, Inc. (BPRN) appears fair. The current P/E of 13.8 is 74% above its historical median of 7.9. The estimated fair value CAGR (P/E method) is -4.4%.
Princeton Bancorp, Inc. (BPRN) operates in the State Commercial Banks industry, within the Financials sector.
Princeton Bancorp, Inc. (BPRN) reported annual revenue of $75 million in its most recent fiscal year, based on SEC EDGAR filings.
Princeton Bancorp, Inc. (BPRN) has a net profit margin of 13.7%. This is a healthy margin.
Princeton Bancorp, Inc. (BPRN) generated $13 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Princeton Bancorp, Inc. (BPRN) has a debt-to-equity ratio of 7.93. This indicates higher leverage, which may increase financial risk.
Princeton Bancorp, Inc. (BPRN) reported earnings per share (EPS) of $1.55 in its most recent fiscal year.
Princeton Bancorp, Inc. (BPRN) has a return on equity (ROE) of 4.1%. This indicates moderate shareholder returns.
The Ledger Terminal provides 4 years of financial data for Princeton Bancorp, Inc. (BPRN), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Princeton Bancorp, Inc. (BPRN) has a book value per share of $39.66, based on its most recent annual SEC filing.