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Upturn AI SWOT - About
Bank Of Princeton (BPRN)
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Upturn Advisory Summary
06/27/2025: 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
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Year Target Price $33.25
Year Target Price $33.25
| 1 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -3.03% | Avg. Invested days 52 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 218.89M USD | Price to earnings Ratio 19.26 | 1Y Target Price 33.25 |
Price to earnings Ratio 19.26 | 1Y Target Price 33.25 | ||
Volume (30-day avg) - | Beta 0.63 | 52 Weeks Range 26.99 - 38.61 | Updated Date 06/29/2025 |
52 Weeks Range 26.99 - 38.61 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 3.80% | Basic EPS (TTM) 1.64 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 15.44% | Operating Margin (TTM) 37.12% |
Management Effectiveness
Return on Assets (TTM) 0.52% | Return on Equity (TTM) 4.43% |
Valuation
Trailing PE 19.26 | Forward PE 11.2 | Enterprise Value 173458224 | Price to Sales(TTM) 3 |
Enterprise Value 173458224 | Price to Sales(TTM) 3 | ||
Enterprise Value to Revenue 3.08 | Enterprise Value to EBITDA - | Shares Outstanding 6929130 | Shares Floating 5198510 |
Shares Outstanding 6929130 | Shares Floating 5198510 | ||
Percent Insiders 24.58 | Percent Institutions 44.6 |
Analyst Ratings
Rating 3.67 | Target Price 33.25 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
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. It has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Commercial Banking: Offers loan products, deposit accounts, and cash management services to businesses.
- Personal Banking: Provides deposit accounts, mortgage loans, and other personal financial services to individuals and families.
- Wealth Management: Offers investment management, trust services, and financial planning to high-net-worth individuals and families.
Leadership and Structure
The bank is led by a board of directors and an executive management team. The organizational structure is typical of a community bank, with departments for lending, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, equipment purchases, and real estate. Market share is difficult to ascertain specifically. Competitors include larger regional and national banks like PNC, Wells Fargo and local community banks.
- Mortgage Loans: Residential mortgage loans for home purchases and refinancing. Competitors include Quicken Loans, Bank of America, Wells Fargo and other local mortgage providers.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses.Competitors include Chase, TD Bank, Wells Fargo.
Market Dynamics
Industry Overview
The banking industry is characterized by increasing regulation, low interest rate environments, and competition from fintech companies. Community banks face pressure to consolidate to achieve economies of scale.
Positioning
Bank Of Princeton is a community bank focused on serving the central New Jersey region. Its competitive advantages include strong local relationships, personalized service, and quick decision-making.
Total Addressable Market (TAM)
The total addressable market for banking services in central New Jersey is estimated to be several billion dollars. The Bank of Princeton captures a small but significant portion of this TAM. It's positioned as a community-focused alternative to larger national banks.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Personalized customer service
- Experienced management team
- Solid asset quality
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Higher cost structure compared to larger banks
Opportunities
- Expand into new markets within New Jersey
- Increase digital banking capabilities
- Acquire smaller banks or branches
- Cross-sell wealth management services to existing customers
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in New Jersey
- Rising interest rates
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- PNC (PNC)
- TD Bank (TD)
- Wells Fargo (WFC)
Competitive Landscape
The Bank of Princeton faces stiff competition from larger national and regional banks. Its advantages lie in personalized service and local market knowledge.
Growth Trajectory and Initiatives
Historical Growth: Growth has been steady due to organic expansion and acquisitions.
Future Projections: Analysts may project moderate growth based on continued expansion and increased market share.
Recent Initiatives: Focusing on digital banking and commercial lending.
Summary
Bank Of Princeton is a community bank with a solid presence in central New Jersey. Its strength lies in its local market expertise and personalized service. It faces challenges from larger competitors and needs to invest in digital banking to remain competitive. Future growth will depend on strategic acquisitions and expansion within its region.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and is not 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 242 | |
Full time employees 242 | |||
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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