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1. Company Snapshot

1.a. Company Description

The Bank of Princeton provides various banking products and services.It accepts various deposit products, including checking, savings, attorney trust, and money market accounts, as well as certificates of deposit.The company also offers various loan products comprising commercial real estate and multi-family, commercial and industrial, construction, residential first-lien mortgage, paycheck protection program, home equity, and consumer loans.


In addition, it provides debit and credit cards, and money orders, direct deposit, automated teller machines, cashier's checks, safe deposit boxes, wire transfers, night depository, remote deposit capture, debit cards, bank-by-mail, online, and automated telephone banking services, as well as payroll-related services and merchant credit card processing services.Further, the company offers full on-line statements, on-line bill payment, account inquiries, transaction histories and details, and account-to-account transfer services.The company operates 21 branches in Princeton, including parts of Mercer, Somerset, Hunterdon, Ocean, Burlington, Camden, Gloucester, and Middlesex Counties in central New Jersey, as well as in additional areas in portions of Philadelphia, Montgomery, and Bucks counties in Pennsylvania.


The Bank of Princeton was incorporated in 2007 and is headquartered in Princeton, New Jersey.

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1.b. Last Insights on BPRN

The recent earnings miss, with Q4 EPS of $0.75 per share versus estimates of $0.86 per share, is a significant negative driver. This marks a decline from the $0.82 per share reported in the same quarter last year. The revenue miss also contributed to the disappointing results. Despite the company's efforts to strengthen its commercial loan offerings with the appointment of Brian Schoener as Vice President, Commercial Loan Officer, the earnings shortfall is likely to weigh on investor sentiment.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Princeton Bancorp (NASDAQ:BPRN) vs. HarborOne Bancorp (NASDAQ:HONE) Financial Review

Dec -02

Source: defenseworld.net

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Princeton Bancorp, Inc. $BPRN Shares Bought by Connor Clark & Lunn Investment Management Ltd.

Nov -21

Source: defenseworld.net

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Princeton Bancorp (BPRN) Beats Q3 Earnings Estimates

Oct -29

Source: zacks.com

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Princeton Bancorp Announces Third Quarter 2025 Results

Oct -29

Source: prnewswire.com

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Princeton Bancorp (BPRN) Earnings Expected to Grow: Should You Buy?

Oct -28

Source: zacks.com

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Best Income Stocks to Buy for Oct. 13th

Oct -13

Source: zacks.com

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Here's What Key Metrics Tell Us About Princeton Bancorp (BPRN) Q2 Earnings

Jul -24

Source: zacks.com

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Princeton Bancorp (BPRN) Q2 Earnings Top Estimates

Jul -24

Source: zacks.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (2.00%)

6. Segments

Banking and Related Activities

Expected Growth: 2.0%

The Bank of Princeton's 2.0% growth in Banking and Related Activities is driven by increasing demand for commercial loans, expansion into new markets, and strategic partnerships. Additionally, the bank's focus on digital transformation, improved customer experience, and cost savings initiatives have contributed to its growth.

7. Detailed Products

Personal Banking

The Bank of Princeton offers a range of personal banking services, including checking and savings accounts, credit cards, loans, and investment products.

Business Banking

The Bank of Princeton provides business banking services, including business checking and savings accounts, loans, credit cards, and cash management solutions.

Mortgage Lending

The Bank of Princeton offers a variety of mortgage loan options, including fixed-rate and adjustable-rate mortgages, refinancing, and home equity loans.

Investment Services

The Bank of Princeton offers investment services, including brokerage accounts, retirement accounts, and wealth management solutions.

Online Banking

The Bank of Princeton's online banking platform allows customers to manage their accounts, pay bills, and transfer funds from anywhere, at any time.

Mobile Banking

The Bank of Princeton's mobile banking app allows customers to access their accounts, deposit checks, and transfer funds using their mobile devices.

8. The Bank of Princeton's Porter Forces

Forces Ranking

Threat Of Substitutes

The Bank of Princeton operates in a highly competitive market with many substitutes, but its strong brand recognition and customer loyalty mitigate the threat.

Bargaining Power Of Customers

The Bank of Princeton's customers have some bargaining power due to the availability of alternative banking services, but the bank's strong relationships with its customers and personalized service reduce this power.

Bargaining Power Of Suppliers

The Bank of Princeton has a diverse supplier base, and its suppliers have limited bargaining power due to the bank's strong financial position and negotiating power.

Threat Of New Entrants

The Bank of Princeton operates in a highly regulated industry, and new entrants face significant barriers to entry, including high capital requirements and regulatory hurdles.

Intensity Of Rivalry

The Bank of Princeton operates in a highly competitive market with many established players, leading to intense rivalry and competition for customers and market share.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 10.25%
Debt Cost 6.94%
Equity Weight 89.75%
Equity Cost 6.94%
WACC 6.94%
Leverage 11.42%

11. Quality Control: The Bank of Princeton passed 4 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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A-Score: 5.8/10

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

33.84$

Current Price

33.84$

Potential

-0.00%

Expected Cash-Flows