Bank Of Princeton

BPRN · NASDAQ · Financial Services / Banks - Regional

44.54USD+0.09 (+0.20%)

Price History

Full chart

Market Stats

Previous Close44.45

Open44.45

Day Range44.19 – 44.62

52-Week Range28.59 – 44.10

Volume41.84K

Market Cap294.26M

P/E (TTM)11.43

Forward P/E11.20

EPS3.78

Dividend Yield3.26%

Beta0.46

50-Day Avg42.11

200-Day Avg37.22

About

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.

Company Details

SectorFinancial Services
IndustryBanks - Regional
CEOMr. Edward J. Dietzler
Employees237
Headquarters183 Bayard Lane, Princeton, NJ, United States, 08540, USA
Websitehttps://www.thebankofprinceton.com

Leadership

Mr. Edward J. DietzlerPresident, CEO & Director · b. 1965
Mr. Daniel J. O'Donnell Esq., J.D.Executive VP, COO, General Counsel & Assistant Secretary · b. 1963
Mr. Robert N. Ridolfi Esq., J.D.Secretary & Independent Director · b. 1948
Ms. Stephanie M. AdkinsExecutive VP & Chief Lending Officer · b. 1957
Mr. George Stephen Rapp CPAExecutive VP & CFO · b. 1952
Mr. Jeffrey T. HanuscinSenior VP of Finance, Treasurer & Chief Accounting Officer · b. 1964
Mr. Matthew T. ClarkExecutive VP & Chief Information Officer · b. 1972
Ms. Karen D. Pfeifer CRCMSenior Vice President of Compliance & Operations
Ms. Anna Maria Potter-Miller MASenior Vice President of Human Resources
Ms. Kris MuseSenior Vice President of Commercial Lenders

Financials

Income Statement

Currency: USD	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	17.66M	28.23M	27.04M	29.79M	34.58M	45.51M	47.79M	50.80M	56.49M	63.10M	66.48M	73.94M	78.94M	105.40M	131.10M	138.99M
Growth (%)	-	+59.85%	-4.24%	+10.19%	+16.07%	+31.62%	+5.01%	+6.31%	+11.19%	+11.71%	+5.36%	+11.22%	+6.77%	+33.51%	+24.38%	+6.02%
Cost of Revenue	17.66M	28.23M	7.25M	7.12M	7.16M	8.74M	7.72M	12.61M	14.02M	23.07M	18.05M	10.30M	6.40M	36.27M	61.52M	61.39M
Gross Profit	-	-	19.79M	22.67M	27.42M	36.77M	40.06M	38.20M	42.47M	40.04M	48.43M	63.64M	72.55M	69.13M	69.58M	77.60M
Gross Margin	-	-	73.18%	76.10%	79.29%	80.79%	83.84%	75.19%	75.18%	63.45%	72.85%	86.07%	91.89%	65.59%	53.07%	55.83%
Operating Expense	-	-	9.07M	9.51M	13.71M	22.06M	23.76M	23.33M	24.76M	27.73M	31.14M	34.45M	38.49M	38.80M	56.76M	53.92M
Operating Income	-115.67K	3.99M	10.72M	13.16M	13.71M	14.71M	16.30M	14.86M	17.71M	12.30M	17.29M	29.19M	34.05M	30.34M	12.82M	23.68M
Operating Margin	-0.65%	14.13%	39.65%	44.19%	39.65%	32.32%	34.12%	29.26%	31.35%	19.50%	26.01%	39.48%	43.14%	28.78%	9.78%	17.04%
EBITDA	1.38M	4.73M	9.95M	12.82M	13.25M	15.78M	17.25M	15.68M	18.35M	13.58M	19.18M	31.14M	36.10M	32.31M	15.10M	26.33M
EBITDA Margin	7.81%	16.75%	36.81%	43.04%	38.33%	34.67%	36.10%	30.87%	32.48%	21.52%	28.84%	42.11%	45.73%	30.66%	11.52%	18.94%
Net Income	2.39M	2.81M	6.31M	8.80M	9.00M	11.01M	11.84M	11.01M	14.71M	10.14M	13.81M	22.49M	26.49M	25.77M	10.24M	18.61M
Net Income Margin	13.52%	9.96%	23.34%	29.54%	26.03%	24.18%	24.78%	21.68%	26.04%	16.07%	20.77%	30.41%	33.56%	24.44%	7.81%	13.39%
Interest Expense	342.51K	289.00K	7.25M	7.12M	7.16M	6.84M	7.76M	8.84M	13.36M	18.27M	12.83M	6.67M	6.00M	33.16M	56.41M	54.74M
Interest Expense % of Total Revenue	1.94%	1.02%	26.82%	23.90%	20.71%	15.02%	16.25%	17.40%	23.64%	28.95%	19.29%	9.03%	7.60%	31.46%	43.03%	39.38%

Balance Sheet

Currency: USD	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	488.98M	666.38M	769.00M	877.43M	955.26M	1.01B	1.03B	1.20B	1.25B	1.45B	1.60B	1.69B	1.60B	1.92B	2.34B	2.29B
Total Liabilities	448.02M	612.06M	706.72M	813.20M	876.76M	921.88M	922.53M	1.03B	1.07B	1.26B	1.39B	1.47B	1.38B	1.68B	2.08B	2.01B
Total Equity	40.96M	54.32M	62.28M	64.23M	78.50M	91.44M	103.46M	168.29M	184.32M	195.93M	208.82M	216.58M	219.60M	240.21M	262.04M	270.71M
Cash	-	-	24.62M	27.43M	31.87M	28.59M	19.61M	82.82M	26.38M	72.60M	67.43M	12.02M	53.35M	34.53M	33.64M	36.35M
Total Debt	19.06M	11.34M	28.25M	-	-	257.60M	112.20M	-	110.80M	15.04M	18.99M	18.56M	26.77M	24.28M	22.94M	21.19M
Net Debt	19.06M	11.34M	3.63M	-27.43M	-31.87M	229.01M	92.59M	-82.82M	84.42M	-57.56M	-48.44M	6.54M	-43.35M	-10.25M	-10.70M	-15.15M

Cash Flow

Currency: USD	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	4.61M	6.33M	9.73M	7.16M	11.52M	10.81M	13.58M	12.81M	17.02M	17.06M	18.10M	12.90M	23.99M	23.11M	14.73M	21.49M
Investing Cash Flow	-132.17M	-143.36M	-138.00M	-113.13M	-69.71M	-61.39M	-23.11M	-112.91M	-108.61M	31.79M	-140.25M	3.54M	-26.46M	-5.76M	-154.05M	68.21M
Financing Cash Flow	145.87M	170.63M	93.67M	108.78M	62.63M	47.30M	540.00K	163.32M	35.15M	-2.64M	126.98M	64.84M	-102.89M	79.85M	106.11M	-71.36M
Capital Expenditure	1.85M	1.87M	1.56M	851.00K	1.06M	637.00K	9.00K	150.00K	960.00K	3.98M	3.10M	3.69M	607.00K	1.71M	1.52M	889.00K
Free Cash Flow	2.77M	4.46M	8.16M	6.30M	10.46M	10.17M	13.57M	12.66M	16.06M	13.08M	15.00M	9.21M	23.38M	21.40M	13.21M	20.60M
Dividends Paid	-	-	-	-	-	200.00K	0	200.00K	200.00K	1.28M	2.71M	4.39M	6.46M	7.45M	7.61M	8.66M
FCF to OCF	60.00%	70.50%	83.91%	88.11%	90.80%	94.11%	99.93%	98.83%	94.36%	76.66%	82.89%	71.39%	97.47%	92.59%	89.65%	95.86%
Dividend Paid to FCF	-	-	-	-	-	1.97%	0.00%	1.58%	1.25%	9.78%	18.06%	47.64%	27.62%	34.79%	57.61%	42.06%

Earnings

Report Date	Sep 30, 2016	Feb 1, 2017	Apr 28, 2017	Jul 21, 2017	Oct 24, 2017	Jan 25, 2018	Apr 26, 2018	Jul 26, 2018	Oct 25, 2018	Jan 29, 2019	Apr 22, 2019	Jul 25, 2019	Oct 24, 2019	Jan 29, 2020	Apr 23, 2020	Jul 23, 2020	Oct 22, 2020	Jan 28, 2021	Apr 22, 2021	Jul 22, 2021	Oct 21, 2021	Jan 27, 2022	Apr 21, 2022	Jul 21, 2022	Oct 20, 2022	Jan 26, 2023	Apr 20, 2023	Jul 27, 2023	Oct 26, 2023	Jan 25, 2024	Apr 25, 2024	Jul 25, 2024	Oct 29, 2024	Jan 28, 2025	Apr 24, 2025	Jul 24, 2025	Oct 29, 2025	Jan 29, 2026	Apr 23, 2026	Jul 23, 2026	Nov 4, 2026
EPS Estimate	-	-	-	0.51	0.51	0.27	0.52	0.57	0.54	0.56	0.54	0.51	0.52	0.51	0.43	0.28	0.46	0.57	0.64	0.79	0.78	0.85	0.82	0.93	1.00	1.10	0.98	0.30	0.61	0.77	0.65	0.69	0.63	0.86	0.77	-0.03	0.90	0.93	0.84	0.90	0.98
EPS Actual	0.60	0.59	0.61	0.59	0.51	0.32	0.52	0.53	0.54	0.55	0.03	0.47	0.54	0.49	0.44	0.45	0.52	0.59	0.70	0.80	0.88	0.92	0.91	0.98	1.09	1.13	0.95	2.14	0.98	0.82	0.68	0.80	0.63	0.75	0.77	0.10	0.95	0.90	0.91	1.04	-
Surprise	-	-	-	15.69%	0.00%	18.52%	0.00%	-7.02%	0.00%	-1.79%	-94.44%	-7.84%	3.85%	-3.92%	2.33%	60.71%	13.04%	3.51%	9.38%	1.27%	12.82%	8.24%	10.98%	5.38%	9.00%	2.73%	-3.06%	613.33%	60.66%	6.49%	4.62%	15.94%	0.00%	-12.79%	0.00%	433.33%	5.56%	-3.23%	8.33%	15.56%	-
Timing	-	After-hours	After-hours	Pre-market	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	Pre-market	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	-

Key Statistics & Ratios

Market Cap294.26M

Enterprise Value248.61M

Trailing P/E11.43

Forward P/E11.20

PEG Ratio0.00

Price / Sales3.38

Price / Book1.04

EPS3.78

Book Value41.09

Revenue (TTM)87.14M

Gross Profit (TTM)87.14M

Profit Margin29.67%

Operating Margin42.35%

Return on Equity9.54%

Return on Assets1.15%

Shares Outstanding6.81M

Shares Float5.01M

Beta0.46

Dividend Yield3.26%

Dividend Rate1.40

Payout Ratio36.84%

Analyst Ratings

Buy

Based on 3 analystsTarget 46.75

Strong Buy
1
Hold
2

Ownership Breakdown

Institutions: 46.16%
Insiders: 26.55%
Retail / Other: 27.29%

Top Institutional Holders

AllianceBernstein L.P.
560.54K8.23%
BlackRock Inc
368.31K5.41%
Vanguard Capital Management, LLC
251.34K3.69%
Systematic Financial Management LP
238.89K3.51%
Dimensional Fund Advisors, Inc.
173.45K2.55%
Banc Funds Co LLC
153.93K2.26%
Geode Capital Management, LLC
124.31K1.82%
Acadian Asset Management LLC
97.81K1.44%
Basswood Capital Management LLC
97.53K1.43%
Royce & Associates, LP
80.47K1.18%
Bridgeway Capital Management, LLC
74.35K1.09%
State Street Corp
72.38K1.06%
Roundview Capital LLC
63.60K0.93%
First Manhattan Co. LLC
58.50K0.86%
Fourthstone LLC
53.22K0.78%

Top Fund Holders

Vanguard MStar Total Stk Mkt Idx Invest
151.35K2.22%
iShares Russell 2000 ETF
145.28K2.13%
Royce Capital Small-Cap Inv
62.90K0.92%
Fidelity Small Cap Index
56.69K0.83%
iShares Russell 2000 Value ETF
51.12K0.75%

Dividends

20264×

0.40Nov 10, 20260.35Aug 5, 20260.35May 5, 20260.35Feb 4, 2026

20254×

0.35Nov 7, 20250.30Aug 6, 20250.30May 6, 20250.30Feb 5, 2025

20244×

0.30Nov 5, 20240.30Aug 9, 20240.30May 9, 20240.30Feb 8, 2024

20234×

0.30Nov 10, 20230.30Aug 8, 20230.30May 8, 20230.30Feb 9, 2023

20224×

0.25Nov 3, 20220.25Aug 4, 20220.25May 5, 20220.25Feb 10, 2022

20214×

0.18Nov 4, 20210.18Aug 5, 20210.18May 6, 20210.12Feb 11, 2021