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Upturn AI SWOT - About
BPRN 
Bank Of Princeton (BPRN)
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Upturn Advisory Summary
09/11/2025: BPRN (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 -8.49% | Avg. Invested days 42 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 221.20M USD | Price to earnings Ratio 34.51 | 1Y Target Price 34.25 |
Price to earnings Ratio 34.51 | 1Y Target Price 34.25 | ||
Volume (30-day avg) 3 | Beta 0.65 | 52 Weeks Range 26.72 - 38.23 | Updated Date 09/12/2025 |
52 Weeks Range 26.72 - 38.23 | Updated Date 09/12/2025 | ||
Dividends yield (FY) 3.73% | Basic EPS (TTM) 0.95 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 9.92% | Operating Margin (TTM) 8.72% |
Management Effectiveness
Return on Assets (TTM) 0.32% | Return on Equity (TTM) 2.7% |
Valuation
Trailing PE 34.51 | Forward PE 11.2 | Enterprise Value 231603920 | Price to Sales(TTM) 3.21 |
Enterprise Value 231603920 | Price to Sales(TTM) 3.21 | ||
Enterprise Value to Revenue 3.11 | Enterprise Value to EBITDA - | Shares Outstanding 6747920 | Shares Floating 4978618 |
Shares Outstanding 6747920 | Shares Floating 4978618 | ||
Percent Insiders 25.52 | Percent Institutions 43.88 |
Upturn AI SWOT
Bank Of Princeton
Company Overview
History and Background
Bank of Princeton was founded in 2007 in Princeton, New Jersey. It focuses on providing community banking services to individuals and businesses in the central New Jersey region.
Core Business Areas
- Commercial Banking: Offers a range of loan products, deposit accounts, and treasury management services to businesses.
- Retail Banking: Provides deposit accounts, personal loans, mortgages, and other banking services to individual customers.
- Wealth Management: Offers investment advisory and wealth management services to high-net-worth individuals.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes retail banking, commercial lending, wealth management, and operations divisions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for working capital, expansion, and real estate. Market share data is not readily available but competes with larger national and regional banks like Wells Fargo (WFC) and PNC (PNC) at a local level. Revenue data is not publicly disclosed per product. Competitors include Wells Fargo, PNC, and other community banks.
- Mortgage Loans: Residential mortgage loans for home purchases and refinancing. Market share is competitive within its service area. Revenue data is not publicly disclosed per product. Competitors include Quicken Loans, Chase, and local mortgage brokers.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share is determined locally by branch presence and customer service. Revenue data is not publicly disclosed per product. Competitors include Bank of America, Chase, and online banks.
Market Dynamics
Industry Overview
The banking industry is currently navigating a changing interest rate environment and increased regulatory scrutiny. Community banks face competition from larger national banks and fintech companies.
Positioning
Bank of Princeton positions itself as a relationship-focused community bank providing personalized service to its customers. Its competitive advantages include local expertise and a commitment to the community.
Total Addressable Market (TAM)
The TAM for banking services in central New Jersey is estimated to be in the billions of dollars. Bank of Princeton holds a small but significant portion of this TAM, focusing on relationship banking.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Relationship-focused banking
- Experienced management team
- High-quality customer service
Weaknesses
- Limited geographic reach
- Smaller balance sheet compared to larger banks
- Dependence on local economy
- Lower brand recognition compared to national banks
Opportunities
- Expanding into new markets within New Jersey
- Increasing commercial lending activities
- Growing wealth management business
- Leveraging technology to improve customer experience
Threats
- Competition from larger banks
- Economic downturn
- Changes in banking regulations
- Rising interest rates
Competitors and Market Share
Key Competitors
- JPM
- WFC
- PNC
- USB
- MTB
Competitive Landscape
Bank of Princeton competes with national and regional banks, as well as other community banks, by providing personalized service and local expertise. However, it faces challenges in terms of brand recognition and resources.
Growth Trajectory and Initiatives
Historical Growth: Financial data for the company is not public since it is private.
Future Projections: Financial data for the company is not public since it is private.
Recent Initiatives: Recent initiatives include expanding branch network and enhancing online banking platform.
Summary
Bank of Princeton is a relationship-focused community bank with a strong local presence. However, it faces challenges from larger banks and the changing economic environment. Its strengths lie in its customer service and local market knowledge, but its limited scale and resources pose a risk to sustainable growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Third-party market research reports
- SEC Filings of Publicly Traded Competitors
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated.
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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