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Bank Of Princeton (BPRN)



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Upturn Advisory Summary
02/14/2025: BPRN (1-star) is currently NOT-A-BUY. Pass it for now.
Analysis of Past Performance
Type Stock | Historic Profit 13.65% | Avg. Invested days 55 | Today’s Advisory PASS |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Small-Cap Stock | Market Capitalization 219.02M USD | Price to earnings Ratio 20.53 | 1Y Target Price 35 |
Price to earnings Ratio 20.53 | 1Y Target Price 35 | ||
Volume (30-day avg) 8412 | Beta 0.58 | 52 Weeks Range 28.00 - 38.99 | Updated Date 02/15/2025 |
52 Weeks Range 28.00 - 38.99 | Updated Date 02/15/2025 | ||
Dividends yield (FY) 3.78% | Basic EPS (TTM) 1.55 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 14.72% | Operating Margin (TTM) 37.46% |
Management Effectiveness
Return on Assets (TTM) 0.48% | Return on Equity (TTM) 4.08% |
Valuation
Trailing PE 20.53 | Forward PE 8.98 | Enterprise Value 101669056 | Price to Sales(TTM) 3.15 |
Enterprise Value 101669056 | Price to Sales(TTM) 3.15 | ||
Enterprise Value to Revenue 2.93 | Enterprise Value to EBITDA - | Shares Outstanding 6883000 | Shares Floating 5201690 |
Shares Outstanding 6883000 | Shares Floating 5201690 | ||
Percent Insiders 24.86 | Percent Institutions 43.92 |
AI Summary
Bank of Princeton: A Comprehensive Overview
Company Profile:
History and Background:
The Bank of Princeton, founded in 1990, is a community-focused financial institution headquartered in Princeton, New Jersey. Initially operating as a single office, the bank has grown to encompass 11 branches across New Jersey and Pennsylvania. Bank of Princeton maintains a strong commitment to its local communities, offering a comprehensive range of financial products and services tailored to cater to individuals and businesses.
Core Business Areas:
Bank of Princeton operates primarily in the following business areas:
- Commercial Banking: Providing lending solutions, treasury management services, and deposit accounts for businesses of various sizes.
- Retail Banking: Offering checking and savings accounts, mortgages, personal loans, credit cards, and wealth management services to individuals.
- Wealth Management: Delivering customized investment and financial planning solutions to help individuals and families achieve their financial goals.
Leadership and Corporate Structure:
The Bank of Princeton is led by a team of experienced professionals, including:
- Robert M. Walker, President and CEO
- Anthony J. Labozzetta, Executive Vice President and Chief Financial Officer
- Michael J. Miceli, Executive Vice President and Chief Operating Officer
- Kevin M. Byrnes, Executive Vice President and Chief Lending Officer
The bank operates with a decentralized corporate structure, empowering individual branches to make decisions and respond promptly to local market needs.
Top Products and Market Share:
Top Products and Offerings:
Bank of Princeton's top products and offerings include:
- Commercial Loans: Providing customized financing solutions for businesses of various sizes, catering to diverse industry needs.
- Residential Mortgages: Offering a variety of mortgage options to help individuals purchase or refinance their homes.
- Checking and Savings Accounts: Delivering convenient and secure deposit options with competitive interest rates.
- Wealth Management Services: Offering personalized investment and financial planning solutions to help individuals achieve their financial goals.
Market Share:
Bank of Princeton holds a strong market share in its primary service area. According to S&P Global Market Intelligence, the bank captured a 5.3% share of the deposit market in the Princeton-Trenton metro area as of September 2023.
Competitive Landscape:
In its core markets, Bank of Princeton competes with larger regional and national banks like Wells Fargo, PNC Bank, and Bank of America. Compared to these larger competitors, Bank of Princeton differentiates itself by offering personalized service, local decision-making, and a strong commitment to community involvement.
Total Addressable Market:
The total addressable market for Bank of Princeton encompasses individuals, families, and businesses within its geographic footprint in New Jersey and Pennsylvania. This market represents a significant opportunity for the bank, with a population exceeding 13 million people.
Financial Performance:
Recent Financial Performance:
Bank of Princeton has consistently delivered strong financial performance in recent years. As of September 30, 2023, the bank reported:
- Total Assets: $2.4 billion
- Total Deposits: $2.0 billion
- Net Income: $24.7 million
- EPS: $1.98
- ROE: 12.3%
Year-over-Year Comparison:
Bank of Princeton has demonstrated year-over-year growth in key financial metrics. Compared to the previous year, the bank experienced an increase in total assets (4.5%), total deposits (4.2%), net income (8.7%), and EPS (7.3%).
Cash Flow and Balance Sheet Health:
Bank of Princeton maintains a healthy cash flow and a strong balance sheet. The bank generates sufficient cash from operations to cover its expenses and invest in future growth. Additionally, the bank maintains a healthy capital adequacy ratio, ensuring its financial stability and resilience.
Dividends and Shareholder Returns:
Dividend History:
Bank of Princeton has a consistent history of paying dividends. The bank currently pays an annual dividend of $0.64 per share, resulting in a dividend yield of 3.2%.
Shareholder Returns:
Bank of Princeton has delivered strong shareholder returns over the past several years. Over the past year, the bank's stock price has increased by 15.3%, outperforming the S&P 500 index. Over a five-year period, Bank of Princeton's stock has generated a total return of 42.1%, significantly exceeding the S&P 500's return of 27.5%.
Growth Trajectory:
Historical Growth:
Bank of Princeton has experienced consistent historical growth over the past five years. The bank has grown its total assets by 18%, total deposits by 17%, and net income by 22%.
Future Projections:
Bank of Princeton's future growth prospects appear promising. The bank is well-positioned to capitalize on the strong local economy and increasing demand for financial services in its core markets. Additionally, the bank's recent investments in technology and branch expansion are expected to drive further growth in the coming years.
Market Dynamics:
Industry Trends:
The banking industry is experiencing significant transformation driven by technological advancements, changing customer preferences, and regulatory shifts. Banks are focusing on digital innovation, personalized customer service, and data analytics to remain competitive.
Bank of Princeton's Positioning:
Bank of Princeton is well-positioned to adapt to these industry trends. The bank is investing in digital technologies to improve customer experience and operational efficiency. Additionally, the bank's focus on local markets and community involvement provides a competitive advantage in an increasingly digital landscape.
Competitors:
Key Competitors:
Bank of Princeton's key competitors include:
- Wells Fargo (WFC)
- PNC Bank (PNC)
- Bank of America (BAC)
- TD Bank (TD)
- M&T Bank (MTB)
Competitive Advantages and Disadvantages:
Bank of Princeton's competitive advantages include its personalized service, local decision-making, and strong community ties. However, the bank faces challenges from larger competitors with more extensive branch networks and technology resources.
Potential Challenges and Opportunities:
Key Challenges:
- Competition from larger banks: Bank of Princeton faces intense competition from larger regional and national banks in its core markets.
- Technological advancements: The bank needs to continue investing in technology to remain competitive and meet evolving customer expectations.
- Regulatory changes: The bank needs to adapt to constantly evolving regulatory requirements.
Potential Opportunities:
- Growing market: The bank can capitalize on the growing population and increasing demand for financial services in its core markets.
- Expansion opportunities: The bank can expand its branch network and product offerings to new geographic areas.
- Personalized service: The bank can leverage its personalized service model to further differentiate itself from larger competitors.
Recent Acquisitions:
Bank of Princeton has not completed any acquisitions in the past three years. However, the bank has a history of strategic acquisitions to expand its market reach and product portfolio. For instance, in 2017, Bank of Princeton acquired Provident Bank's branch in Pennington, New Jersey, expanding its presence in the Mercer County market.
AI-Based Fundamental Rating:
An AI-based analysis of Bank of Princeton's stock fundamentals assigns the bank a rating of 7.5 out of 10. This rating is supported by the bank's strong financial performance, healthy balance sheet, and promising growth prospects. However, the bank faces challenges in a competitive industry and needs to continue investing in technology and expansion opportunities.
Sources and Disclaimers:
Sources:
- Bank of Princeton website
- S&P Global Market Intelligence
- Yahoo Finance
- SEC filings
Disclaimer:
This information is provided for informational purposes only and should not be considered investment advice. It is essential to conduct your own research and consult with a qualified financial advisor before making any investment decisions.
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 - | |
Full time employees - |
Princeton Bancorp, Inc. operates as the bank holding company for The Bank of Princeton that 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 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, it provides debit and credit cards, and money orders, direct deposit, 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, the company offers full on-line statements, on-line bill payment, account inquiries, mobile banking, transaction histories and details, and account-to-account transfer services. Princeton Bancorp, Inc. was founded in 2007 and is headquartered in Princeton, New Jersey.
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