BPRN
Princeton Bancorp, Inc.
Banks - Regional
Market Cap$241M
5Y Perf.+72.2%
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Stock Comparison
BPRN vs NFBK
Revenue, margins, valuation, and 5-year total return — side by side.
NFBK
Northfield Bancorp, Inc.
Banks - Regional
Market Cap$588M
5Y Perf.+28.7%
BPRN vs NFBK — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | BPRN | NFBK |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $241M | $588M |
| Revenue (TTM) | $139M | $251M |
| Net Income (TTM) | $19M | $39M |
| Gross Margin | 55.8% | 49.1% |
| Operating Margin | 17.0% | 16.1% |
| Forward P/E | 9.8x | 10.4x |
| Total Debt | $21M | $760M |
| Cash & Equiv. | $136M | $168M |
BPRN vs NFBK — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
BPRN
NFBK
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Princeton Bancorp, … (BPRN) | 100 | 172.2 | +72.2% |
| Northfield Bancorp,… (NFBK) | 100 | 128.7 | +28.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: BPRN vs NFBK
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: NFBK leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Princeton Bancorp, Inc. is the stronger pick specifically for valuation and capital efficiency and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
BPRN
Princeton Bancorp, Inc.
The Banking Pick
BPRN is the clearest fit if your priority is long-term compounding and sleep-well-at-night.
- 49.3% 10Y total return vs NFBK's 20.6%
- Lower volatility, beta 0.73, Low D/E 7.8%, current ratio 561.10x
- Beta 0.73, yield 3.6%, current ratio 561.10x
Best for: long-term compounding and sleep-well-at-night
NFBK
Northfield Bancorp, Inc.
The Banking Pick
NFBK carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 10 yrs, beta 1.00, yield 3.7%
- Rev growth 13.9%, EPS growth -16.3%
- 13.9% NII/revenue growth vs BPRN's 6.0%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | NFBK | 13.9% NII/revenue growth vs BPRN's 6.0% |
| Value | BPRN | Lower P/E (9.8x vs 10.4x) |
| Quality / Margins | NFBK | Efficiency ratio 0.3% vs BPRN's 0.4% (lower = leaner) |
| Stability / Safety | BPRN | Beta 0.73 vs NFBK's 1.00, lower leverage |
| Dividends | NFBK | 3.7% yield, 10-year raise streak, vs BPRN's 3.6% |
| Momentum (1Y) | NFBK | +31.5% vs BPRN's +18.6% |
| Efficiency (ROA) | NFBK | Efficiency ratio 0.3% vs BPRN's 0.4% |
BPRN vs NFBK — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2024
BPRN vs NFBK — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLBPRNLAGGINGNFBK
NFBKNorthfield Bancorp, I…
2leads
BPRNPrinceton Bancorp, In…
3leads
6 Total Categories
CATEGORYLEADERvs NFBKMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
BPRN4/5
Valuation MetricsMultiples, price ratios, and targets
BPRN5/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
BPRN7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
NFBK4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
NFBK2/2
Income & Cash Flow (Last 12 Months)
BPRN leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
NFBK is the larger business by revenue, generating $251M annually — 1.8x BPRN's $139M. Profitability is closely matched — net margins range from 13.4% (BPRN) to 11.9% (NFBK).
| Metric | BPRNPrinceton Bancorp… | NFBKNorthfield Bancor… |
|---|---|---|
| RevenueTrailing 12 months | $139M | $251M |
| EBITDAEarnings before interest/tax | $26M | $61M |
| Net IncomeAfter-tax profit | $19M | $39M |
| Free Cash FlowCash after capex | $20M | $42M |
| Gross MarginGross profit ÷ Revenue | +55.8% | +49.1% |
| Operating MarginEBIT ÷ Revenue | +17.0% | +16.1% |
| Net MarginNet income ÷ Revenue | +13.4% | +11.9% |
| FCF MarginFCF ÷ Revenue | +14.8% | +11.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +20.0% | +68.8% |
BPRN leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
BPRN leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
At 13.1x trailing earnings, BPRN trades at a 33% valuation discount to NFBK's 19.5x P/E. On an enterprise value basis, BPRN's 5.4x EV/EBITDA is more attractive than NFBK's 24.2x.
| Metric | BPRNPrinceton Bancorp… | NFBKNorthfield Bancor… |
|---|---|---|
| Market CapShares × price | $241M | $588M |
| Enterprise ValueMkt cap + debt − cash | $127M | $1.2B |
| Trailing P/EPrice ÷ TTM EPS | 13.12x | 19.54x |
| Forward P/EPrice ÷ next-FY EPS est. | 9.79x | 10.42x |
| PEG RatioP/E ÷ EPS growth rate | 2.13x | — |
| EV / EBITDAEnterprise value multiple | 5.36x | 24.19x |
| Price / SalesMarket cap ÷ Revenue | 1.74x | 2.34x |
| Price / BookPrice ÷ Book value/share | 0.90x | 0.83x |
| Price / FCFMarket cap ÷ FCF | 11.71x | 19.64x |
BPRN leads this category, winning 5 of 6 comparable metrics.
Profitability & Efficiency
BPRN leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
BPRN delivers a 7.0% return on equity — every $100 of shareholder capital generates $7 in annual profit, vs $5 for NFBK. BPRN carries lower financial leverage with a 0.08x debt-to-equity ratio, signaling a more conservative balance sheet compared to NFBK's 1.08x. On the Piotroski fundamental quality scale (0–9), BPRN scores 8/9 vs NFBK's 7/9, reflecting strong financial health.
| Metric | BPRNPrinceton Bancorp… | NFBKNorthfield Bancor… |
|---|---|---|
| ROE (TTM)Return on equity | +7.0% | +5.5% |
| ROA (TTM)Return on assets | +0.8% | +0.7% |
| ROICReturn on invested capital | +6.2% | +2.0% |
| ROCEReturn on capital employed | +1.8% | +2.5% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 7 |
| Debt / EquityFinancial leverage | 0.08x | 1.08x |
| Net DebtTotal debt minus cash | -$114M | $592M |
| Cash & Equiv.Liquid assets | $136M | $168M |
| Total DebtShort + long-term debt | $21M | $760M |
| Interest CoverageEBIT ÷ Interest expense | 0.43x | 0.46x |
BPRN leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
NFBK leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in BPRN five years ago would be worth $13,730 today (with dividends reinvested), compared to $10,018 for NFBK. Over the past 12 months, NFBK leads with a +31.5% total return vs BPRN's +18.6%. The 3-year compound annual growth rate (CAGR) favors NFBK at 18.3% vs BPRN's 16.0% — a key indicator of consistent wealth creation.
| Metric | BPRNPrinceton Bancorp… | NFBKNorthfield Bancor… |
|---|---|---|
| YTD ReturnYear-to-date | +7.4% | +26.5% |
| 1-Year ReturnPast 12 months | +18.6% | +31.5% |
| 3-Year ReturnCumulative with dividends | +55.9% | +65.7% |
| 5-Year ReturnCumulative with dividends | +37.3% | +0.2% |
| 10-Year ReturnCumulative with dividends | +49.3% | +20.6% |
| CAGR (3Y)Annualised 3-year return | +16.0% | +18.3% |
NFBK leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — BPRN and NFBK each lead in 1 of 2 comparable metrics.
Risk & Volatility
BPRN is the less volatile stock with a 0.73 beta — it tends to amplify market swings less than NFBK's 1.00 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. NFBK currently trades 99.0% from its 52-week high vs BPRN's 93.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | BPRNPrinceton Bancorp… | NFBKNorthfield Bancor… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.73x | 1.00x |
| 52-Week HighHighest price in past year | $37.99 | $14.21 |
| 52-Week LowLowest price in past year | $29.21 | $9.90 |
| % of 52W HighCurrent price vs 52-week peak | +93.6% | +99.0% |
| RSI (14)Momentum oscillator 0–100 | 47.6 | 57.0 |
| Avg Volume (50D)Average daily shares traded | 10K | 258K |
Evenly matched — BPRN and NFBK each lead in 1 of 2 comparable metrics.
Analyst Outlook
NFBK leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates BPRN as "Buy" and NFBK as "Hold". Consensus price targets imply 3.1% upside for NFBK (target: $15) vs -4.4% for BPRN (target: $34). For income investors, NFBK offers the higher dividend yield at 3.73% vs BPRN's 3.55%.
| Metric | BPRNPrinceton Bancorp… | NFBKNorthfield Bancor… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $34.00 | $14.50 |
| # AnalystsCovering analysts | 6 | 9 |
| Dividend YieldAnnual dividend ÷ price | +3.6% | +3.7% |
| Dividend StreakConsecutive years of raises | 1 | 10 |
| Dividend / ShareAnnual DPS | $1.26 | $0.52 |
| Buyback YieldShare repurchases ÷ mkt cap | +3.3% | +3.2% |
NFBK leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
BPRN leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). NFBK leads in 2 (Total Returns, Analyst Outlook). 1 tied.
Best OverallPrinceton Bancorp, Inc. (BPRN)Leads 3 of 6 categories
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BPRN vs NFBK: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is BPRN or NFBK a better buy right now?
For growth investors, Northfield Bancorp, Inc.
(NFBK) is the stronger pick with 13. 9% revenue growth year-over-year, versus 6. 0% for Princeton Bancorp, Inc. (BPRN). Princeton Bancorp, Inc. (BPRN) offers the better valuation at 13. 1x trailing P/E (9. 8x forward), making it the more compelling value choice. Analysts rate Princeton Bancorp, Inc. (BPRN) a "Buy" — based on 6 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — BPRN or NFBK?
On trailing P/E, Princeton Bancorp, Inc.
(BPRN) is the cheapest at 13. 1x versus Northfield Bancorp, Inc. at 19. 5x. On forward P/E, Princeton Bancorp, Inc. is actually cheaper at 9. 8x.
03Which is the better long-term investment — BPRN or NFBK?
Over the past 5 years, Princeton Bancorp, Inc.
(BPRN) delivered a total return of +37. 3%, compared to +0. 2% for Northfield Bancorp, Inc. (NFBK). Over 10 years, the gap is even starker: BPRN returned +49. 3% versus NFBK's +20. 6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — BPRN or NFBK?
By beta (market sensitivity over 5 years), Princeton Bancorp, Inc.
(BPRN) is the lower-risk stock at 0. 73β versus Northfield Bancorp, Inc. 's 1. 00β — meaning NFBK is approximately 37% more volatile than BPRN relative to the S&P 500. On balance sheet safety, Princeton Bancorp, Inc. (BPRN) carries a lower debt/equity ratio of 8% versus 108% for Northfield Bancorp, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — BPRN or NFBK?
By revenue growth (latest reported year), Northfield Bancorp, Inc.
(NFBK) is pulling ahead at 13. 9% versus 6. 0% for Princeton Bancorp, Inc. (BPRN). On earnings-per-share growth, the picture is similar: Princeton Bancorp, Inc. grew EPS 74. 8% year-over-year, compared to -16. 3% for Northfield Bancorp, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — BPRN or NFBK?
Princeton Bancorp, Inc.
(BPRN) is the more profitable company, earning 13. 4% net margin versus 11. 9% for Northfield Bancorp, Inc. — meaning it keeps 13. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: BPRN leads at 17. 0% versus 16. 1% for NFBK. At the gross margin level — before operating expenses — BPRN leads at 55. 8%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is BPRN or NFBK more undervalued right now?
On forward earnings alone, Princeton Bancorp, Inc.
(BPRN) trades at 9. 8x forward P/E versus 10. 4x for Northfield Bancorp, Inc. — 0. 6x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for NFBK: 3. 1% to $14. 50.
08Which pays a better dividend — BPRN or NFBK?
All stocks in this comparison pay dividends.
Northfield Bancorp, Inc. (NFBK) offers the highest yield at 3. 7%, versus 3. 6% for Princeton Bancorp, Inc. (BPRN).
09Is BPRN or NFBK better for a retirement portfolio?
For long-horizon retirement investors, Princeton Bancorp, Inc.
(BPRN) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 73), 3. 6% yield). Both have compounded well over 10 years (BPRN: +49. 3%, NFBK: +20. 6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between BPRN and NFBK?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: BPRN is a small-cap deep-value stock; NFBK is a small-cap income-oriented stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(BPRN: 6.0% · NFBK: 13.9%)Net Margin>
%
(BPRN: 13.4% · NFBK: 11.9%)P/E Ratio<
x
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