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BPRN logoPrinceton Bancorp, Inc.(BPRN)Earnings, Financials & Key Ratios

BPRN•NASDAQ•Banking & Credit
$35.04
$238M mkt cap·12.9× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutPrinceton Bancorp, Inc. operates as a bank holding company. It is a full-service financial institution that provides business and personal banking. It offers traditional retail banking services, one-to-four-family residential mortgage loans, multi-family and commercial mortgage loans, construction loans, commercial business loans, and consumer loans, including home equity loans and lines of credit. The company was founded in 2017 and is headquartered in Princeton, NJ.Show more
  • Net Interest Income$76M+14.0%
  • Total Revenue$139M+6.0%
  • Net Income$19M+81.7%
  • Return on Equity6.99%+71.3%
  • Net Interest Margin3.32%+16.8%
  • Efficiency Ratio38.79%-10.4%
  • ROA0.81%+67.3%
  • Equity / Assets11.86%+5.9%
  • Book Value per Share39.46-0.3%
  • Tangible BV/Share36.96+0.3%
  • Debt/Equity0.08-10.6%
Technical→

BPRN Key Insights

Princeton Bancorp, Inc. (BPRN) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Company is almost debt free
  • ✓Strong Piotroski F-Score: 8/9
  • ✓Efficient operations: 38.8% efficiency ratio
  • ✓Well capitalized: 11.9% equity/assets
  • ✓Healthy dividend yield of 3.6%
  • ✓Trading at only 0.9x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

BPRN Price & Volume

Princeton Bancorp, Inc. (BPRN) stock price & volume — 10-year historical chart

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BPRN Growth Metrics

Princeton Bancorp, Inc. (BPRN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years11.81%
5 Years15.89%
3 Years20.75%
TTM-

Profit CAGR

10 Years5.39%
5 Years6.15%
3 Years-11.11%
TTM81.72%

EPS CAGR

10 Years1.48%
5 Years6.16%
3 Years-12.96%
TTM75.48%

Return on Capital

10 Years9.56%
5 Years8.82%
3 Years5.98%
Last Year1.84%

BPRN Recent Earnings

Princeton Bancorp, Inc. (BPRN) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 7/12 qtrs (70%)●Beat Revenue 8/12 qtrs (80%)
Q2 2026Latest
Apr 23, 2026
EPS
$0.91
Est $0.85
+7.1%
Revenue
$21M
Est $21M
+1.2%
Q2 2026
Mar 13, 2026
EPS
$0.90
Revenue
$34M
Q1 2026
Jan 29, 2026
EPS
$0.90
Est $0.94
-4.3%
Revenue
$21M
Est $22M
-6.6%
Q4 2025
Oct 29, 2025
EPS
$0.95
Est $0.94
+1.1%
Revenue
$22M
Est $20M
+5.9%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$0.91vs $0.85+7.1%
$21Mvs $21M+1.2%
Q2 2026Mar 13, 2026
$0.90
$34M
Q1 2026Jan 29, 2026
$0.90vs $0.94-4.3%
$21Mvs $22M-6.6%
Q4 2025Oct 29, 2025
$0.95vs $0.94+1.1%
$22Mvs $20M+5.9%
Based on last 12 quarters of dataView full earnings history →

BPRN Peer Comparison

Princeton Bancorp, Inc. (BPRN) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.36B45.2013.5710.36%9.51%0.17
CZWI logoCZWICitizens Community Bancorp, Inc.Direct Competitor202.59M21.0414.41-9.41%7.81%0.28
FUNC logoFUNCFirst United CorporationDirect Competitor243.7M37.5111.9116.94%12.52%1.05
MNSB logoMNSBMainStreet Bancshares, Inc.Direct Competitor175.12M23.3613.27-1.44%7.26%0.32
NFBK logoNFBKNorthfield Bancorp, Inc.Direct Competitor587.44M14.0519.5113.88%5.48%1.08
CHMG logoCHMGChemung Financial CorporationProduct Competitor322.44M67.0521.42-6.46%6.27%0.02
FXNC logoFXNCFirst National CorporationProduct Competitor248.63M27.5014.0327.11%9.98%0.23
CZFS logoCZFSCitizens Financial Services, Inc.Product Competitor307.18M63.908.392.75%11.36%0.92

Compare BPRN vs Peers

Princeton Bancorp, Inc. (BPRN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for BPRN.

Scale Benchmark

vs ICE

Larger-name benchmark to compare BPRN against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, CZWI, FUNC, MNSB

BPRN Income Statement

Princeton Bancorp, Inc. (BPRN) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income39.13M41.01M41.45M48.85M62.6M68.08M65.02M66.53M75.82M
NII Growth %3.88%4.8%1.08%17.85%28.15%8.76%-4.5%2.33%13.95%
Net Interest Margin %3.26%3.28%2.85%3.05%3.71%4.25%3.39%2.84%3.32%
Interest Income47.97M54.37M59.72M61.68M69.28M74.08M98.18M122.95M130.55M
Interest Expense8.84M13.36M18.27M12.83M6.67M6M33.16M56.41M54.74M
Loan Loss Provision3.77M665K4.8M5.22M3.63M400K3.11M5.11M6.65M
Non-Interest Income2.83M2.12M3.38M4.81M4.67M4.86M7.22M8.15M8.44M
Non-Interest Income %5.57%3.76%5.36%7.23%6.31%6.16%6.85%6.22%6.07%
Total Revenue
50.8M▲ 0%
56.49M▲ 11.2%
63.1M▲ 11.7%
66.48M▲ 5.4%
73.94M▲ 11.2%
78.94M▲ 6.8%
105.4M▲ 33.5%
131.1M▲ 24.4%
138.99M▲ 6.0%
Revenue Growth %6.31%11.19%11.71%5.36%11.22%6.77%33.51%24.38%6.02%
Non-Interest Expense23.33M24.76M27.73M31.14M34.45M38.49M38.8M56.76M53.92M
Efficiency Ratio45.93%43.83%43.95%46.84%46.6%48.76%36.81%43.3%38.79%
Operating Income
14.86M▲ 0%
17.71M▲ 19.1%
12.3M▼ 30.5%
17.29M▲ 40.5%
29.19M▲ 68.8%
34.05M▲ 16.7%
30.34M▼ 10.9%
12.82M▼ 57.8%
23.68M▲ 84.8%
Operating Margin %29.26%31.35%19.5%26.01%39.48%43.14%28.78%9.78%17.04%
Operating Income Growth %-8.84%19.14%-30.52%40.52%68.82%16.66%-10.92%-57.75%84.78%
Pretax Income
14.86M▲ 0%
17.71M▲ 19.1%
12.3M▼ 30.5%
17.29M▲ 40.5%
29.19M▲ 68.8%
34.05M▲ 16.7%
30.34M▼ 10.9%
12.82M▼ 57.8%
23.68M▲ 84.8%
Pretax Margin %29.26%31.35%19.5%26.01%39.48%43.14%28.78%9.78%17.04%
Income Tax3.85M3M2.16M3.48M6.7M7.56M4.57M2.57M5.07M
Effective Tax Rate %25.9%16.94%17.57%20.15%22.96%22.2%15.07%20.08%21.41%
Net Income
11.01M▲ 0%
14.71M▲ 33.5%
10.14M▼ 31.0%
13.81M▲ 36.1%
22.49M▲ 62.9%
26.49M▲ 17.8%
25.77M▼ 2.8%
10.24M▼ 60.2%
18.61M▲ 81.7%
Net Margin %21.68%26.04%16.07%20.77%30.41%33.56%24.44%7.81%13.39%
Net Income Growth %-7%33.54%-31.04%36.13%62.87%17.82%-2.75%-60.25%81.71%
Net Income (Continuing)11.01M14.71M10.14M13.81M22.49M26.49M25.77M10.24M18.61M
EPS (Diluted)
1.90▲ 0%
2.14▲ 12.6%
1.47▼ 31.3%
2.01▲ 36.7%
3.30▲ 64.2%
4.11▲ 24.5%
4.03▼ 1.9%
1.55▼ 61.5%
2.71▲ 74.8%
EPS Growth %-19.49%12.63%-31.31%36.73%64.18%24.55%-1.95%-61.54%74.84%
EPS (Basic)2.002.221.512.043.374.194.101.572.73
Diluted Shares Outstanding5.79M6.87M6.9M6.87M6.81M6.45M6.39M6.62M6.86M

BPRN Balance Sheet

Princeton Bancorp, Inc. (BPRN) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments184.57M118.06M184.91M143.06M113.18M106.64M125.88M227.59M276.5M
Cash & Due from Banks82.82M26.38M72.6M67.43M12.02M25.3M34.53M33.64M135.69M
Short Term Investments101.74M91.68M112.31M75.63M101.16M81.34M91.35M193.95M140.82M
Total Investments1.06B1.16B1.29B1.42B1.42B1.44B1.63B2.04B1.98B
Investments Growth %10.12%9.5%10.8%10.63%-0.24%1.24%13.37%25.33%-3.12%
Long-Term Investments958.62M1.07B1.17B1.35B1.32B1.36B1.54B1.85B1.85B
Accounts Receivables3.51M3.73M3.63M4.89M4.22M4.76M6.09M7.97M1.82B
Goodwill & Intangibles0012.62M11.89M11.25M10.68M10.28M18.01M17.16M
Goodwill008.85M8.85M8.85M8.85M8.85M14.38M14.38M
Intangible Assets003.76M3.04M2.39M1.82M1.42M3.63M2.78M
PP&E (Net)3.88M4.2M25.31M31.12M30.51M27.75M37.85M39.71M0
Other Assets49.21M51.83M50.27M59.74M205.26M88.19M186.55M178.07M-1.85B
Total Current Assets188.07M121.8M188.54M147.95M117.39M111.4M131.97M235.57M2.09B
Total Non-Current Assets1.01B1.13B1.27B1.45B1.57B1.49B1.78B2.1B17.16M
Total Assets
1.2B▲ 0%
1.25B▲ 4.2%
1.45B▲ 16.2%
1.6B▲ 10.2%
1.69B▲ 5.3%
1.6B▼ 5.1%
1.92B▲ 19.6%
2.34B▲ 22.1%
2.28B▼ 2.4%
Asset Growth %17.02%4.25%16.25%10.17%5.29%-5.09%19.65%22.11%-2.44%
Return on Assets (ROA)0.99%1.2%0.75%0.9%1.37%1.61%1.46%0.48%0.81%
Accounts Payable1.59M2.2M3.88M2.48M1.04M1.03M9.16M15.4M8.53M
Total Debt0110.8M15.04M18.99M18.56M26.77M24.28M22.94M21.19M
Net Debt-82.82M84.42M-57.56M-48.44M6.54M1.47M-10.25M-10.7M-114.49M
Long-Term Debt055.4M00010M000
Short-Term Debt055.4M0000003.73M
Other Liabilities446K-53M2.15M5.29M5.36M6.65M7.1M7.23M1.99B
Total Current Liabilities1.03B1.06B1.24B1.37B1.45B1.35B1.64B2.05B3.73M
Total Non-Current Liabilities446K2.4M17.19M24.28M23.92M33.42M31.38M30.17M2.01B
Total Liabilities1.03B1.07B1.26B1.39B1.47B1.38B1.68B2.08B2.01B
Total Equity
168.29M▲ 0%
184.32M▲ 9.5%
195.93M▲ 6.3%
208.82M▲ 6.6%
216.58M▲ 3.7%
219.6M▲ 1.4%
240.21M▲ 9.4%
262.04M▲ 9.1%
270.71M▲ 3.3%
Equity Growth %62.66%9.52%6.3%6.58%3.72%1.4%9.39%9.09%3.31%
Equity / Assets (Capital Ratio)14.02%14.73%13.47%13.03%12.83%13.71%12.53%11.2%11.86%
Return on Equity (ROE)8.11%8.34%5.33%6.82%10.57%12.15%11.21%4.08%6.99%
Book Value per Share29.0826.8228.4130.4031.7834.0537.6039.5839.46
Tangible BV per Share29.0826.8226.5828.6730.1332.4035.9936.8636.96
Common Stock32.76M33.28M33.81M33.95M34.1M34.55M000
Additional Paid-in Capital76.35M77.89M79.22M79.71M80.22M81.29M98.29M119.91M122.95M
Retained Earnings59.12M73.63M82.27M93.37M111.45M131.49M149.41M151.91M161.73M
Accumulated OCI67K-485K630K1.79M839K-8.27M-7.49M-8.94M-5.26M
Treasury Stock0000-10.03M-19.45M0-842K-8.71M
Preferred Stock000000000

BPRN Cash Flow Statement

Princeton Bancorp, Inc. (BPRN) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations12.81M17.02M17.06M18.1M12.9M23.99M23.11M14.73M21.49M
Operating CF Growth %-5.71%32.91%0.25%6.05%-28.7%85.9%-3.65%-36.27%45.89%
Net Income11.01M14.71M10.14M13.81M22.49M26.49M25.77M10.24M18.61M
Depreciation & Amortization820K638K1.27M1.89M1.95M2.05M1.98M2.28M0
Deferred Taxes4.74M-3.24M-62K-926K276K527K200K-807K0
Other Non-Cash Items2.11M-662K1.3M-1.14M-6.23M-5.56M-10.91M-400K5.88M
Working Capital Changes-6.35M4.88M3.9M4.15M-5.85M430K5.27M2.4M-3M
Cash from Investing-112.91M-108.61M31.79M-140.25M3.54M-26.46M-5.76M-154.05M68.21M
Purchase of Investments-17.47M-9.14M-47.23M-28.33M-41.96M-5.38M-14.68M-181.16M-12.46M
Sale/Maturity of Investments28.55M18.15M27.91M66.95M15.02M10.37M6.51M34.86M81.13M
Net Investment Activity11.08M9M-19.32M38.62M-26.94M4.99M-8.17M-146.3M68.67M
Acquisitions00161.28M000-2.23M7.87M0
Other Investing-123.83M-116.65M-106.19M-175.77M31.68M-30.84M6.36M-14.09M-464K
Cash from Financing163.32M35.15M-2.64M126.98M64.84M-102.89M79.85M106.11M-71.36M
Dividends Paid0-200K-1.28M-2.71M-4.39M-6.46M-7.45M-7.61M-8.66M
Share Repurchases0000-10.03M-9.42M0-842K-7.87M
Stock Issued51.8M0031K00001.83M
Net Stock Activity51.8M0031K-10.03M-9.42M0-842K-6.04M
Debt Issuance (Net)-1000K1000K-1000K001000K-1000K00
Other Financing167.61M-20.05M54.04M129.66M79.26M-97.02M97.3M114.56M-56.66M
Net Change in Cash
63.22M▲ 0%
-56.44M▼ 189.3%
46.21M▲ 181.9%
4.83M▼ 89.5%
81.29M▲ 1582.6%
-105.36M▼ 229.6%
97.21M▲ 192.3%
-33.21M▼ 134.2%
18.34M▲ 155.2%
Exchange Rate Effect000000000
Cash at Beginning19.61M82.82M26.38M72.6M77.43M158.72M53.35M150.56M117.35M
Cash at End82.82M26.38M72.6M77.43M158.72M53.35M150.56M117.35M135.69M
Interest Paid8.59M12.75M16.58M14.23M8.11M6.02M25.03M50.17M61.61M
Income Taxes Paid5.34M1.97M3.11M3.18M9.03M6.99M5.88M1.82M2.25M
Free Cash Flow
12.66M▲ 0%
16.06M▲ 26.9%
13.08M▼ 18.5%
15M▲ 14.7%
11.71M▼ 21.9%
23.38M▲ 99.6%
21.4M▼ 8.5%
13.21M▼ 38.3%
20.6M▲ 56.0%
FCF Growth %-6.75%26.9%-18.55%14.66%-21.93%99.64%-8.47%-38.29%56.01%

BPRN Banking Ratios

Princeton Bancorp, Inc. (BPRN) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)12.15%8.11%8.34%5.33%6.82%10.57%12.15%11.21%4.08%6.99%
Return on Assets (ROA)1.16%0.99%1.2%0.75%0.9%1.37%1.61%1.46%0.48%0.81%
Net Interest Margin3.67%3.26%3.28%2.85%3.05%3.71%4.25%3.39%2.84%3.32%
Efficiency Ratio49.72%45.93%43.83%43.95%46.84%46.6%48.76%36.81%43.3%38.79%
Equity / Assets10.08%14.02%14.73%13.47%13.03%12.83%13.71%12.53%11.2%11.86%
Book Value / Share20.6129.0826.8228.4130.431.7834.0537.639.5839.46
NII Growth3.53%3.88%4.8%1.08%17.85%28.15%8.76%-4.5%2.33%13.95%
Dividend Payout--1.36%12.62%19.62%19.51%24.37%28.9%74.27%46.56%

BPRN SEC Filings & Documents

Princeton Bancorp, Inc. (BPRN) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 23, 2026·SEC

Material company update

Apr 21, 2026·SEC

Material company update

Jan 29, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 13, 2026·SEC

FY 2025

Mar 14, 2025·SEC

FY 2024

Mar 25, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 9, 2025·SEC

BPRN Frequently Asked Questions

Princeton Bancorp, Inc. (BPRN) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Princeton Bancorp, Inc. (BPRN) grew revenue by 6.0% over the past year. This is steady growth.

Yes, Princeton Bancorp, Inc. (BPRN) is profitable, generating $18.6M in net income for fiscal year 2025 (13.4% net margin).

Dividend & Returns

Yes, Princeton Bancorp, Inc. (BPRN) pays a dividend with a yield of 3.60%. This makes it attractive for income-focused investors.

Princeton Bancorp, Inc. (BPRN) has a return on equity (ROE) of 7.0%. This is below average, suggesting room for improvement.

Industry Metrics

Princeton Bancorp, Inc. (BPRN) has a net interest margin (NIM) of 3.3%. This indicates healthy earnings from lending activities.

Princeton Bancorp, Inc. (BPRN) has an efficiency ratio of 38.8%. This is excellent, indicating strong cost control.

Explore More BPRN

Princeton Bancorp, Inc. (BPRN) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

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Valuation

DCF intrinsic value, peer multiples & estimates

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