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Princeton Bancorp, Inc.(BPRN)Earnings, Financials & Key Ratios
BPRN•NASDAQ•Banking & Credit
$37.90
14.0× P/E·Price updated Jun 27, 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%+16.7%
- Efficiency Ratio38.79%-10.4%
- ROA0.8%+67.2%
- Equity / Assets11.85%+5.8%
- Book Value per Share39.46-0.3%
BPRN Price & Volume
Princeton Bancorp, Inc. (BPRN) stock price & volume — 10-year historical chart
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Stagnant Margins Challenge Princeton Bancorp Growth Outlook
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial Position:Healthy
Cash Flow:Mixed
Primary Risk:CRE concentration refinance risk
"Princeton Bancorp faces a challenging environment characterized by net interest income growth deceleration, which slowed to 0.5% in 2026Q1 compared to 21.4% in 2025Q1. While the bank maintains a stable equity-to-assets ratio of 0.12, its heavy concentration in commercial real estate and volatile provision expenses—such as the $7.0 million charge in 2025Q2—create significant earnings uncertainty. Investors should monitor the bank's ability to manage funding costs against a stubbornly flat 0.8% net interest margin before expecting a sustained recovery in profitability."
Verdict Logic
while the 3.3% dividend yield provides some income support, the bank's 2.27 PEG ratio and persistent 0.8% net interest margin suggest limited near-term upside potential.
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%
TTM72.62%
EPS CAGR
10 Years1.48%
5 Years6.16%
3 Years-12.96%
TTM74.39%
Return on Capital
10 Years10.17%
5 Years10.05%
3 Years8.03%
Last Year7.99%
BPRN Recent Earnings
Princeton Bancorp, Inc. (BPRN) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (70%)●Beat Revenue 8/12 qtrs (80%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$0.91+7.1%
$0.85
Rev
$21M+1.2%
$21M
Q2 2026
Mar 13, 2026Metric
Actual
Est
EPS
$0.90
—
Rev
$34M
—
Q1 2026
Jan 29, 2026Metric
Actual
Est
EPS
$0.90-4.3%
$0.94
Rev
$21M-6.6%
$22M
Q4 2025
Oct 29, 2025Metric
Actual
Est
EPS
$0.95+1.1%
$0.94
Rev
$22M+5.9%
$20M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.91vs $0.85+7.1% | $21Mvs $21M+1.2% |
| Q2 2026 | Mar 13, 2026 | $0.90 | $34M |
| Q1 2026 | Jan 29, 2026 | $0.90vs $0.94-4.3% | $21Mvs $22M-6.6% |
| Q4 2025 | Oct 29, 2025 | $0.95vs $0.94+1.1% | $22Mvs $20M+5.9% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Princeton Bancorp, Inc. (BPRN)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $37.90 | $258.14M | 13.99 | 6.02% | 13.39% | 6.99% | 3.33% | |
| $49.59 | $2.58B | 14.89 | 10.36% | 19.66% | 9.83% | — | |
| $23.54 | $227.02M | 16.12 | -9.41% | 16.49% | 8% | — | |
| $45.40 | $292.68M | 12.04 | 6.6% | 20.89% | 12.7% | — | |
| $25.10 | $178.65M | 14.26 | -1.44% | 12.96% | 7.98% | — | |
| $14.99 | $626.04M | 757.07 | -26.69% | 1.79% | 0.68% | — |
Compare BPRN vs Peers
Princeton Bancorp, Inc. (BPRN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BPRN SEC Filings & Documents
Princeton Bancorp, Inc. (BPRN) SEC filings — annual & quarterly reports (10-K, 10-Q)
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BPRN Frequently Asked Questions
Princeton Bancorp, Inc. (BPRN) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Princeton Bancorp, Inc. growing?
Princeton Bancorp, Inc. (BPRN) grew revenue by 6.0% over the past year. This is steady growth.
Is BPRN profitable?
Yes, Princeton Bancorp, Inc. (BPRN) is profitable, generating $19.5M in net income for fiscal year 2025 (13.4% net margin).
Dividend & Returns
Does BPRN pay dividends?
Yes, Princeton Bancorp, Inc. (BPRN) pays a dividend with a yield of 3.33%. This makes it attractive for income-focused investors.
What is BPRN's return on equity?
Princeton Bancorp, Inc. (BPRN) has a return on equity (ROE) of 7.0%. This is below average, suggesting room for improvement.
Industry Metrics
What is Princeton Bancorp, Inc.'s net interest margin?
Princeton Bancorp, Inc. (BPRN) has a net interest margin (NIM) of 3.3%. This indicates healthy earnings from lending activities.
What is Princeton Bancorp, Inc.'s efficiency ratio?
Princeton Bancorp, Inc. (BPRN) has an efficiency ratio of 38.8%. This is excellent, indicating strong cost control.