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Upturn AI SWOT - About
Bank Of Princeton (BPRN)
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Upturn Advisory Summary
08/14/2025: 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 -9.89% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 220.18M USD | Price to earnings Ratio 34.35 | 1Y Target Price 34.25 |
Price to earnings Ratio 34.35 | 1Y Target Price 34.25 | ||
Volume (30-day avg) 3 | Beta 0.66 | 52 Weeks Range 26.72 - 38.23 | Updated Date 08/15/2025 |
52 Weeks Range 26.72 - 38.23 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 3.60% | Basic EPS (TTM) 0.95 |
Earnings Date
Report Date 2025-07-24 | When After Market | Estimate -0.03 | Actual 0.1 |
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 34.35 | Forward PE 11.2 | Enterprise Value 230591728 | Price to Sales(TTM) 3.19 |
Enterprise Value 230591728 | Price to Sales(TTM) 3.19 | ||
Enterprise Value to Revenue 3.1 | Enterprise Value to EBITDA - | Shares Outstanding 6747920 | Shares Floating 4992653 |
Shares Outstanding 6747920 | Shares Floating 4992653 | ||
Percent Insiders 25.65 | Percent Institutions 45.97 |
Upturn AI SWOT
Bank Of Princeton
Company Overview
History and Background
The Bank of Princeton was founded in 2007 in Princeton, New Jersey. It focuses on providing community banking services in the central New Jersey region. The Bank has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products to businesses, including commercial real estate loans, lines of credit, and term loans. Focuses on serving small to medium-sized businesses.
- Retail Banking: Provides personal banking services such as checking accounts, savings accounts, mortgages, and personal loans to individual customers.
- Wealth Management: Offers wealth management and trust services to high-net-worth individuals and families.
Leadership and Structure
The Bank of Princeton is led by a team of experienced banking professionals. Management typically includes a President and CEO, Chief Financial Officer, and various regional and department heads. The organizational structure is typical of a community bank with a focus on local decision-making.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Key competitors include other regional and national banks operating in New Jersey. Market share data not publicly available but competes with other banks such as Investors Bancorp (ISBC), and OceanFirst Financial Corp (OCFC).
- Residential Mortgages: Mortgages for primary and secondary residences. Competitors are national mortgage lenders and other community banks. Market share data unavailable.
- Business Banking Products: Checking, savings, and loan solutions designed for small and mid-sized businesses. Competitors include national banks such as Wells Fargo (WFC), Bank of America (BAC), and regional banks. Market share data unavailable.
Market Dynamics
Industry Overview
The banking industry is influenced by factors like interest rates, economic growth, and regulatory changes. Community banks like Bank of Princeton face competition from larger national banks and online lenders.
Positioning
Bank of Princeton positions itself as a relationship-focused community bank offering personalized service and local expertise. Its competitive advantage lies in its understanding of the local market and its ability to build strong relationships with customers.
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 targets a portion of this market through its community banking model.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Relationship-focused banking
- Experienced management team
- Sound asset quality
Weaknesses
- Limited geographic reach
- Smaller balance sheet compared to larger banks
- Dependence on local economy
- Lower brand recognition compared to national banks
Opportunities
- Expansion into new markets
- Increased focus on digital banking
- Partnerships with fintech companies
- Growing demand for community banking services
Threats
- Competition from larger banks
- Economic downturn
- Rising interest rates
- Increased regulatory scrutiny
Competitors and Market Share
Key Competitors
- ISBC
- OCFC
- BAC
- WFC
Competitive Landscape
Bank of Princeton faces competition from larger national banks and other community banks. It differentiates itself through its relationship-focused approach and local expertise.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and strategic acquisitions. Specific growth rates unavailable without recent financial data.
Future Projections: Future growth projections are dependent on factors like economic conditions and the bank's strategic initiatives. Analyst estimates are not readily available.
Recent Initiatives: Recent initiatives may include investments in digital banking technology, expansion into new markets, and efforts to attract new customers.
Summary
Bank of Princeton is a community bank focused on relationship banking in central New Jersey. Its strengths lie in its local presence and experienced management, but it faces challenges from larger competitors and economic factors. Growth opportunities exist through digital banking and expansion, but economic conditions and regulatory scrutiny remain threats. The bank needs to focus on efficiency and strategic growth to remain competitive.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Third-Party Financial Analysis
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated and may not be precise. Financial data and projections are subject to change.
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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