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BPRN 
Bank Of Princeton (BPRN)
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Upturn Advisory Summary
11/05/2025: BPRN (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $34.25
1 Year Target Price $34.25
| 1 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -14.27% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 223.31M USD | Price to earnings Ratio 12.68 | 1Y Target Price 34.25 |
Price to earnings Ratio 12.68 | 1Y Target Price 34.25 | ||
Volume (30-day avg) 3 | Beta 0.52 | 52 Weeks Range 26.72 - 37.84 | Updated Date 11/6/2025 |
52 Weeks Range 26.72 - 37.84 | Updated Date 11/6/2025 | ||
Dividends yield (FY) 3.73% | Basic EPS (TTM) 2.6 |
Earnings Date
Report Date 2025-10-29 | When After Market | Estimate 0.9 | Actual 0.95 |
Profitability
Profit Margin 23.19% | Operating Margin (TTM) 39.92% |
Management Effectiveness
Return on Assets (TTM) 0.78% | Return on Equity (TTM) 6.73% |
Valuation
Trailing PE 12.68 | Forward PE 11.2 | Enterprise Value 150413808 | Price to Sales(TTM) 2.92 |
Enterprise Value 150413808 | Price to Sales(TTM) 2.92 | ||
Enterprise Value to Revenue 2.94 | Enterprise Value to EBITDA - | Shares Outstanding 6773000 | Shares Floating 5011004 |
Shares Outstanding 6773000 | Shares Floating 5011004 | ||
Percent Insiders 25.44 | Percent Institutions 43.64 |
Upturn AI SWOT
Bank Of Princeton
Company Overview
History and Background
The Bank of Princeton was founded in 2007 and is headquartered in Princeton, New Jersey. It has grown through organic expansion and strategic acquisitions, focusing on serving the banking and lending needs of businesses, professionals and individuals in the New Jersey and Pennsylvania area.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate loans, lines of credit, and term loans.
- Retail Banking: Offers personal banking services such as checking and savings accounts, mortgages, and personal loans to individual customers.
- Wealth Management: Provides investment management and financial planning services to individuals and families.
Leadership and Structure
The Bank of Princeton is led by a board of directors and a senior management team. The organizational structure is typical of a community bank, with distinct departments for lending, retail banking, wealth management, and operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is not publicly available, but competes with other community banks and regional banks like Fulton Financial (FULT) and Univest Financial (UVSP).
- Business Lines of Credit: Revolving credit facilities for businesses. Market share data is not publicly available, competes with other community banks and regional banks.
- Mortgages: Residential mortgage loans. Market share data is not publicly available, competes with national mortgage lenders and other regional banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, and growing competition from fintech companies. Community banks face challenges in maintaining profitability while managing compliance costs.
Positioning
Bank of Princeton positions itself as a relationship-focused community bank, emphasizing personalized service and local decision-making. Its competitive advantage lies in its strong local presence and understanding of the needs of its customers.
Total Addressable Market (TAM)
The TAM for banking services in New Jersey and Pennsylvania is substantial, measured in billions of dollars. Bank Of Princeton has a small percentage of the market.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Relationship-focused banking
- Experienced management team
- Solid asset quality
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Lower brand recognition
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Growing demand for wealth management services
- Acquisition opportunities
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- FULT
- UVSP
- TCBI
- NYCB
Competitive Landscape
Bank of Princeton faces competition from larger regional and national banks, as well as smaller community banks. Its advantages lie in its local focus and personalized service.
Growth Trajectory and Initiatives
Historical Growth: The Bank of Princeton has experienced steady growth through organic expansion and acquisitions.
Future Projections: Future growth is expected to be driven by continued expansion, increased lending activity, and growth in wealth management services. Analyst estimates are not readily available.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion into new markets.
Summary
Bank of Princeton is a community bank with a strong local presence. The bank is growing well and working on new acquisitions. The bank should look out for potential new Fintech companies entering the market as these can take market share away from smaller banks. Rising interest rates and any economic downturns are a significant threat to the bank's overall health and growth.
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Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- AI analysis
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share data is estimated based on available information and may not be precise. Financial data is unavailable
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Bank Of Princeton
Exchange NASDAQ | Headquaters Princeton, NJ, United States | ||
IPO Launch date 2016-07-12 | President, CEO & Director Mr. Edward J. Dietzler | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 247 | |
Full time employees 247 | |||
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. 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.
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