Bank of Princeton
Market Cap
US$163.9m
Last Updated
2021/01/17 23:26 UTC
Data Sources
Company Financials +
Executive Summary
The Bank of Princeton provides various banking products and services. More Details
Rewards
Risk Analysis
Earnings are forecast to decline by an average of 5.6% per year for the next 3 years
Snowflake Analysis
Flawless balance sheet with solid track record.
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
Stable Share Price: BPRN is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 7% a week.
Volatility Over Time: BPRN's weekly volatility (7%) has been stable over the past year.
Market Performance
7 Day Return
0.7%
BPRN
0.8%
US Banks
-1.0%
US Market
1 Year Return
-22.2%
BPRN
-7.2%
US Banks
19.6%
US Market
Return vs Industry: BPRN underperformed the US Banks industry which returned -7.2% over the past year.
Return vs Market: BPRN underperformed the US Market which returned 19.6% over the past year.
Shareholder returns
| BPRN | Industry | Market | |
|---|---|---|---|
| 7 Day | 0.7% | 0.8% | -1.0% |
| 30 Day | 1.3% | 13.4% | 2.3% |
| 90 Day | 20.7% | 40.1% | 13.1% |
| 1 Year | -20.8%-22.2% | -3.8%-7.2% | 22.3%19.6% |
| 3 Year | -23.6%-25.6% | 1.6%-7.1% | 45.3%35.7% |
| 5 Year | n/a | 87.4%63.6% | 124.8%99.8% |
Long-Term 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
4 days ago | Simply Wall St
Read This Before Selling The Bank of Princeton (NASDAQ:BPRN) Shares4 weeks ago | Simply Wall St
Key Things To Understand About Bank of Princeton's (NASDAQ:BPRN) CEO Pay ChequeValuation
Is Bank of Princeton undervalued compared to its fair value and its price relative to the market?
30.3%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: BPRN ($24.2) is trading below our estimate of fair value ($34.7)
Significantly Below Fair Value: BPRN is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: BPRN is poor value based on its PE Ratio (12.5x) compared to the US Banks industry average (12.3x).
PE vs Market: BPRN is good value based on its PE Ratio (12.5x) compared to the US market (21x).
Price to Earnings Growth Ratio
PEG Ratio: BPRN's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: BPRN is good value based on its PB Ratio (0.8x) compared to the US Banks industry average (1x).
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?
-5.6%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BPRN's earnings are forecast to decline over the next 3 years (-5.6% per year).
Earnings vs Market: BPRN's earnings are forecast to decline over the next 3 years (-5.6% per year).
High Growth Earnings: BPRN's earnings are forecast to decline over the next 3 years.
Revenue vs Market: BPRN's revenue (0.6% per year) is forecast to grow slower than the US market (10.3% per year).
High Growth Revenue: BPRN's revenue (0.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: BPRN's Return on Equity is forecast to be low in 3 years time (5.5%).
Next Steps
Past Performance
How has Bank of Princeton performed over the past 5 years?
1.7%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BPRN has high quality earnings.
Growing Profit Margin: BPRN's current net profit margins (28.2%) are higher than last year (26.4%).
Past Earnings Growth Analysis
Earnings Trend: BPRN's earnings have grown by 1.7% per year over the past 5 years.
Accelerating Growth: BPRN's earnings growth over the past year (24.2%) exceeds its 5-year average (1.7% per year).
Earnings vs Industry: BPRN earnings growth over the past year (24.2%) exceeded the Banks industry -4.4%.
Return on Equity
High ROE: BPRN's Return on Equity (6.4%) is considered low.
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
Financial Institutions Analysis
Asset Level: BPRN's Assets to Equity ratio (7.6x) is low.
Allowance for Bad Loans: BPRN has a sufficient allowance for bad loans (640%).
Low Risk Liabilities: 98% of BPRN's liabilities are made up of primarily low risk sources of funding.
Loan Level: BPRN has an appropriate level of Loans to Assets ratio (85%).
Low Risk Deposits: BPRN's Loans to Deposits ratio (101%) is appropriate.
Level of Bad Loans: BPRN has an appropriate level of bad loans (0.2%).
Next Steps
Dividend
What is Bank of Princeton current dividend yield, its reliability and sustainability?
1.65%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BPRN's dividend (1.65%) is higher than the bottom 25% of dividend payers in the US market (1.39%).
High Dividend: BPRN's dividend (1.65%) is low compared to the top 25% of dividend payers in the US market (3.85%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, BPRN has been paying a dividend for less than 10 years.
Growing Dividend: BPRN's dividend payments have increased, but the company has only paid a dividend for 2 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (20.7%), BPRN's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: BPRN's dividends in 3 years are forecast to be well covered by earnings (23.2% payout ratio).
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Management
How experienced are the management team and are they aligned to shareholders interests?
3.8yrs
Average management tenure
CEO
Ed Dietzler (55 yo)
3yrs
Tenure
US$462,566
Compensation
Mr. Edward J. Dietzler, also known as Ed, has been President at Bank of Princeton since May 2012 and its Chief Executive Officer since January 2018. Mr. Dietzler joined Bank of Princeton in September 2009 ...
CEO Compensation Analysis
Compensation vs Market: Ed's total compensation ($USD462.57K) is below average for companies of similar size in the US market ($USD1.01M).
Compensation vs Earnings: Ed's compensation has been consistent with company performance over the past year.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 3yrs | US$462.57k | 0.062% $ 101.6k | |
| Executive VP | no data | US$459.56k | 0.0015% $ 2.4k | |
| Secretary & Independent Director | 14yrs | US$80.00k | 1.65% $ 2.7m | |
| Executive VP & Chief Lending Officer | no data | US$293.68k | 0.030% $ 48.4k | |
| Executive VP & CFO | 3.83yrs | no data | no data | |
| Senior VP and Director of Operations | no data | no data | no data | |
| Senior VP & Director of Market Development | no data | no data | no data | |
| Senior VP & Director of Human Resources | no data | no data | no data | |
| Senior Vice President of Commercial Lender | 13.83yrs | no data | no data | |
| Senior Vice President of Commercial Lender | no data | no data | no data | |
| Senior Vice President of Loan Administration | no data | no data | no data | |
| Senior Vice President of Loan Administration | no data | no data | no data |
3.8yrs
Average Tenure
63yo
Average Age
Experienced Management: BPRN's management team is considered experienced (3.8 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 3yrs | US$462.57k | 0.062% $ 101.6k | |
| Secretary & Independent Director | 14yrs | US$80.00k | 1.65% $ 2.7m | |
| Vice Chairman of the Board | 9.67yrs | US$80.00k | 2.46% $ 4.0m | |
| Independent Chairman of the Board | 5yrs | US$80.00k | 1.12% $ 1.8m | |
| Independent Vice Chairman of the Board | 14yrs | US$80.00k | 1.01% $ 1.6m | |
| Independent Director | 13yrs | US$80.00k | 0.30% $ 494.6k | |
| Independent Director | 14yrs | US$80.00k | 0.34% $ 561.4k | |
| Member of the Advisory Board | no data | no data | no data | |
| Member of the Advisory Board | no data | no data | no data | |
| Member of the Advisory Board | no data | no data | no data | |
| Member of the Advisory Board | no data | no data | no data | |
| Member of the Advisory Board | no data | no data | no data |
13.0yrs
Average Tenure
68yo
Average Age
Experienced Board: BPRN's board of directors are seasoned and experienced ( 13 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: BPRN insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
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$163.942m
- Shares outstanding: 6.77m
- Website: https://www.thebankofprinceton.com
Number of Employees
Location
- The Bank of Princeton
- 183 Bayard Lane
- Princeton
- New Jersey
- 8540
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| BPRN | NasdaqGS (Nasdaq Global Select) | Yes | Common Shares | US | USD | May 2016 |
| 42J | DB (Deutsche Boerse AG) | Yes | Common Shares | DE | EUR | May 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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/01/17 23:26 |
| End of Day Share Price | 2021/01/15 00:00 |
| Earnings | 2020/09/30 |
| Annual Earnings | 2019/12/31 |
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.