NasdaqGS:BPRN

Stock Analysis Report

Executive Summary

The Bank of Princeton provides various banking products and services.

Snowflake

Fundamentals

Flawless balance sheet with reasonable growth potential.


Similar Companies

Share Price & News

How has Bank of Princeton's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-0.03%

BPRN

2.9%

US Banks

0.07%

US Market


1 Year Return

-4.4%

BPRN

8.6%

US Banks

8.9%

US Market

Return vs Industry: BPRN underperformed the US Banks industry which returned 8.6% over the past year.

Return vs Market: BPRN underperformed the US Market which returned 8.9% over the past year.


Shareholder returns

BPRNIndustryMarket
7 Day-0.03%2.9%0.07%
30 Day-0.7%3.4%-0.3%
90 Day0.3%2.1%-1.6%
1 Year-4.0%-4.4%11.8%8.6%11.3%8.9%
3 Year-2.2%-2.6%54.8%44.1%46.3%36.8%
5 Yearn/a70.2%51.6%62.1%44.3%

Price Volatility Vs. Market

How volatile is Bank of Princeton's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Bank of Princeton undervalued compared to its fair value and its price relative to the market?

17.98x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: BPRN ($28.35) is trading above our estimate of fair value ($27.22)

Significantly Below Fair Value: BPRN is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: BPRN is poor value based on its PE Ratio (18x) compared to the Banks industry average (12.6x).

PE vs Market: BPRN is poor value based on its PE Ratio (18x) compared to the US market (17.8x).


Price to Earnings Growth Ratio

PEG Ratio: BPRN is good value based on its PEG Ratio (0.5x)


Price to Book Ratio

PB vs Industry: BPRN is good value based on its PB Ratio (1x) compared to the US Banks industry average (1.2x).


Next Steps

Future Growth

How is Bank of Princeton forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?

34.2%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: BPRN's forecast earnings growth (34.2% per year) is above the savings rate (2.7%).

Earnings vs Market: BPRN's earnings (34.2% per year) are forecast to grow faster than the US market (14.5% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: BPRN's revenue (12.8% per year) is forecast to grow faster than the US market (7.2% per year).

High Growth Revenue: BPRN's revenue (12.8% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: Insufficient data to determine if BPRN's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has Bank of Princeton performed over the past 5 years?

5.8%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: BPRN's earnings have grown by 5.8% per year over the past 5 years.

Accelerating Growth: BPRN's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: BPRN had negative earnings growth (-13%) over the past year, making it difficult to compare to the Banks industry average (29.7%).


Return on Equity

High ROE: BPRN's Return on Equity (5.6%) is considered low.


Return on Assets

ROA vs Industry: BPRN's Return on Assets is below or equal to the Banks industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate BPRN's Return on Capital Employed to determine if it has improved over the past 3 years.


Next Steps

Financial Health

How is Bank of Princeton's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Inventory Level: BPRN has a low level of unsold assets or inventory.

Debt Coverage by Assets: Insufficient data to determine if BPRN's debt is covered by short term assets.


Financial Institutions Analysis

Asset Level: BPRN's level of assets compared to its equity is low.

Allowance for Bad Loans: BPRN has a sufficient allowance for bad loans.

Low Risk Liabilities: BPRN's liabilities are made up of primarily low risk sources of funding.

Loan Level: BPRN has an acceptable proportion of non-loan assets held.

Low Risk Deposits: BPRN's loans are broadly funded by customer deposits.

Level of Bad Loans: BPRN has an appropriate level of bad loans (0.24%)


Next Steps

Dividend

What is Bank of Princeton's current dividend yield, its reliability and sustainability?

0.42%

Current Dividend Yield


Dividend Yield vs Market

company0.4%marketbottom25%1.4%markettop25%3.7%industryaverage2.9%forecastin3Years0.4%

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: BPRN's dividend (0.42%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.45%).

High Dividend: BPRN's dividend (0.42%) is low compared to the top 25% of dividend payers in the US market (3.68%).

Stable Dividend: BPRN is not paying a notable dividend for the US market, therefore no need to check if payments are stable.

Growing Dividend: BPRN is not paying a notable dividend for the US market, therefore no need to check if payments are increasing.


Current Payout to Shareholders

Dividend Coverage: BPRN is not paying a notable dividend for the US market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of BPRN's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

What is the CEO of Bank of Princeton's salary, the management and board of directors tenure and is there insider trading?

2.6yrs

Average management tenure


CEO

Ed Dietzler (54yo)

1.8yrs

Tenure

US$607,496

Compensation

Mr. Edward J. Dietzler also known as Ed, currently serves as the Bank of Princeton’ President and Chief Executive Officer. Mr. Dietzler joined Bank of Princeton in September 2009 as Senior Vice President o ...


CEO Compensation Analysis

Compensation vs. Market: Ed has recently become CEO, making it difficult to compare their total compensation against companies of similar size in the US market.

Compensation vs Earnings: Ed's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.


Management Age and Tenure

2.6yrs

Average Tenure

62yo

Average Age

Experienced Management: BPRN's management team is considered experienced (2.6 years average tenure).


Board Age and Tenure

11.8yrs

Average Tenure

67yo

Average Age

Experienced Board: BPRN's board of directors are seasoned and experienced ( 11.8 years average tenure).


Insider Trading

Insider Buying: BPRN insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

BuyUS$5,25026 Aug 19
Martin Tuchman
EntityIndividual
Shares200
Max PriceUS$26.25
BuyUS$5,30023 Aug 19
Martin Tuchman
EntityIndividual
Shares200
Max PriceUS$26.50
BuyUS$16,38219 Aug 19
Martin Tuchman
EntityIndividual
Shares615
Max PriceUS$26.64
SellUS$154,37528 Feb 19
Richard Gillespie
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares4,750
Max PriceUS$32.50
BuyUS$154,37528 Feb 19
Martin Tuchman
EntityIndividual
Shares4,750
Max PriceUS$32.50
SellUS$419,71022 Feb 19
Stephen Distler
EntityIndividual
Role
Vice Chairman
Vice Chairman of the Board
Shares12,795
Max PriceUS$32.91
BuyUS$1,019,83522 Feb 19
Martin Tuchman
EntityIndividual
Shares31,140
Max PriceUS$32.75
SellUS$94,50014 Feb 19
Robert Ridolfi
EntityIndividual
Role
Member of the Board of Directors
Secretary & Director
Shares3,000
Max PriceUS$31.50
BuyUS$144,10013 Dec 18
Martin Tuchman
EntityIndividual
Shares5,000
Max PriceUS$28.82
BuyUS$288,60011 Dec 18
Martin Tuchman
EntityIndividual
Shares10,000
Max PriceUS$28.87
BuyUS$216,90004 Dec 18
Martin Tuchman
EntityIndividual
Shares7,500
Max PriceUS$28.92
BuyUS$71,87529 Nov 18
Martin Tuchman
EntityIndividual
Shares2,500
Max PriceUS$28.75
BuyUS$14,73719 Nov 18
Richard Gillespie
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares500
Max PriceUS$29.55
BuyUS$26,57415 Nov 18
Richard Gillespie
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares900
Max PriceUS$29.54
BuyUS$29,27407 Nov 18
Martin Tuchman
EntityIndividual
Shares1,014
Max PriceUS$28.87
BuyUS$2,82506 Nov 18
Richard Gillespie
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares100
Max PriceUS$28.25
BuyUS$156,98905 Nov 18
Martin Tuchman
EntityIndividual
Shares5,488
Max PriceUS$28.72

Ownership Breakdown


Management Team

  • George Rapp (67yo)

    Executive VP & CFO

    • Tenure: 2.6yrs
  • Barbara Cromwell

    Senior VP & Director of Market Development

    • Tenure: 0yrs
  • Daniel O'Donnell (56yo)

    Executive VP

    • Tenure: 0yrs
    • Compensation: US$563.06k
  • Ed Dietzler (54yo)

    President

    • Tenure: 1.8yrs
    • Compensation: US$607.50k
  • Kris Muse

    Senior VP of Nassau Street & Commercial Lender

    • Tenure: 12.6yrs
  • Robert Ridolfi (71yo)

    Secretary & Director

    • Tenure: 12.8yrs
    • Compensation: US$80.00k
  • Stephanie Adkins (62yo)

    Executive VP & Chief Lending Officer

    • Tenure: 0yrs
    • Compensation: US$342.04k
  • Anna Miller

    Senior VP & Director of Human Resources

    • Tenure: 0yrs
  • Karen Pfeifer

    Senior VP and Director of Operations & Compliance

    • Tenure: 0yrs
  • Matthew Clark

    VP & Director Of Information Technology

    • Tenure: 0yrs

Board Members

  • Steve Distler (65yo)

    Vice Chairman of the Board

    • Tenure: 8.4yrs
    • Compensation: US$80.00k
  • Dick Gillespie (75yo)

    Chairman of the Board

    • Tenure: 3.8yrs
    • Compensation: US$80.00k
  • Ross Wishnick (67yo)

    Vice Chairman of the Board

    • Tenure: 12.8yrs
    • Compensation: US$80.00k
  • Stephen Shueh (43yo)

    Independent Director

    • Tenure: 11.8yrs
    • Compensation: US$80.00k
  • Ed Dietzler (54yo)

    President

    • Tenure: 1.8yrs
    • Compensation: US$607.50k
  • Robert Ridolfi (71yo)

    Secretary & Director

    • Tenure: 12.8yrs
    • Compensation: US$80.00k
  • Judith Giacin (72yo)

    Independent Director

    • Tenure: 12.8yrs
    • Compensation: US$80.00k
  • Barbara Cuneo

    Member of the Advisory Board

    • Tenure: 0yrs
  • Lance Liverman

    Member of the Advisory Board

    • Tenure: 0yrs
  • Peter Dawson

    Member of the Advisory Board

    • Tenure: 0yrs

Company Information

The Bank of Princeton's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: The Bank of Princeton
  • Ticker: BPRN
  • Exchange: NasdaqGS
  • Founded: 2007
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$191.188m
  • Shares outstanding: 6.74m
  • Website: https://www.thebankofprinceton.com

Number of Employees


Location

  • The Bank of Princeton
  • 183 Bayard Lane
  • Princeton
  • New Jersey
  • 8540
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BPRNNasdaqGS (Nasdaq Global Select)YesCommon SharesUSUSDMay 2016

Biography

The Bank of Princeton provides various banking products and services. The company accepts checking, savings, attorney trust, and money market accounts, as well as certificates of deposit. Its loan products ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/23 00:33
End of Day Share Price2019/10/22 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.