Princeton Bancorp (BPRN) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Princeton Bancorp

NasdaqGS•Financial Services•Banks - Regional

$43.53+0.13(<0.01%)Market closed

Market Cap

$293.46M

P/E

11.4x

P/S

3.4x

P/B

1.0x

Princeton Bancorp, Inc. operates as the bank holding company for The Bank of Princeton that provides various banking products and services. The company accepts various deposit products, including checking, savings, attorney trust, and money market accounts, as well as certificates of deposit. It also offers traditional retail banking services, one-to-four-family residential mortgage loans, multi-family and commercial mortgage loans, construction loans, and commercial business loans, as well as consumer loans, including home equity loans and lines of credit. In addition, the company provides debit and credit cards, money orders, direct deposits, automated teller machines, cashier's checks, safe deposit boxes, online banking, wire transfers, night depository, remote deposit capture, bank-by-mail, online, and automated telephone banking services, as well as payroll-related services and merchant credit card processing services through third party. Further, it offers full online statements, online bill payment, account inquiries, mobile banking, transaction histories and details, and account-to-account transfer services. The company was founded in 2007 and is headquartered in Princeton, New Jersey.

How this company scores

WeakMetricSide Score: 71/100

Grade capped at D — Interest coverage below 1× (0.8x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (23/25); weakest: Balance Sheet & Red Flags (8/25).

Profitability21/25

Growth19/25

Balance Sheet & Red Flags8/25

Cash & Earnings Quality23/25

Strengths

Rising free cash flowStrong marginsRising earningsConsistent free cash flow

Grade capped at D

Interest coverage below 1× (0.8x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 11.4x5y range 3.9x – 30.7x

Currently near its 12-quarter median.

P/S · 3.4x5y range 1.3x – 3.4x

Currently near its 12-quarter median.

P/B · 1.0x5y range 0.8x – 1.0x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $293.46M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $86.06M
Q. Revenue: $22.48M
TTM EBITDA: $36.15M
TTM Op. Income: $33.43M
Q. Op. Income: $9.18M
TTM Net Income: $25.86M
Q. Net Income: $7.08M
EPS: $1.04
Shares Out.: $6.81M

$86.06M in TTM revenue grew 6.0% YoY, reaching $22.48M last quarter. TTM EBITDA of $36.15M and TTM operating income of $33.43M show growth is flowing through to the bottom line. TTM net income of $25.86M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 42.9%
Op. Margin: 40.9%
Net Margin: 31.5%

Op. margin of 40.9% is up 38.0% YoY — cost efficiency is improving. Net margin at 31.5% Over the past year, operating margin is up 1344% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 11.4x
P/S Ratio: 3.4x
P/B Ratio: 1.0x

At 11.4x P/E, the stock trades below typical market levels. P/S of 3.4x and P/B of 1.0x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has fallen for 2 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.25B
Cash: $66.19M
Long-Term Debt: N/A
Book Value: $279.92M
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $2.61M
TTM Free Cash Flow: $23.38M
FCF Margin: 27.2%
FCF / Net Income: 0.9

TTM FCF of $23.38M on $2.61M in operating cash flow. The FCF / Net Income ratio of 0.9x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 176% — a weakening trend.