NasdaqGS:BPRN

Stock Analysis Report

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Market Cap

US$200.9m

Last Updated

2021/08/03 00:42 UTC

Data Sources

Company Financials +

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 less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.

Volatility Over Time: BPRN's weekly volatility (3%) has been stable over the past year.


Market Performance


7 Day Return

-0.4%

BPRN

-0.5%

US Banks

-0.4%

US Market


1 Year Return

56.9%

BPRN

58.2%

US Banks

34.4%

US Market

Return vs Industry: BPRN underperformed the US Banks industry which returned 59.1% over the past year.

Return vs Market: BPRN exceeded the US Market which returned 35.9% over the past year.


Shareholder returns

BPRNIndustryMarket
7 Day-0.4%-0.5%-0.4%
30 Day2.9%-4.1%-0.4%
90 Day-3.6%-6.3%4.0%
1 Year60.0%56.9%62.6%58.2%36.5%34.4%
3 Year-8.3%-11.6%16.6%6.6%62.0%51.9%
5 Year7.4%3.6%88.5%64.9%121.8%97.2%

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

Valuation

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

30.1%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: BPRN ($29.53) is trading below our estimate of fair value ($42.23)

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 (11.1x) compared to the US Banks industry average (10.7x).

PE vs Market: BPRN is good value based on its PE Ratio (11.1x) compared to the US market (18.2x).


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 (0.9x) compared to the US Banks industry average (1.1x).


Future Growth

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

-5.2%

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 (-5.2% per year).

Earnings vs Market: BPRN's earnings are forecast to decline over the next 3 years (-5.2% per year).

High Growth Earnings: BPRN's earnings are forecast to decline over the next 3 years.

Revenue vs Market: BPRN's revenue is expected to decline over the next 3 years (-1.4% per year).

High Growth Revenue: BPRN's revenue is forecast to decline over the next 3 years (-1.4% 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


Past Performance

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

5.1%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: BPRN has high quality earnings.

Growing Profit Margin: BPRN's current net profit margins (32.5%) are higher than last year (28.8%).


Past Earnings Growth Analysis

Earnings Trend: BPRN's earnings have grown by 5.1% per year over the past 5 years.

Accelerating Growth: BPRN's earnings growth over the past year (35.9%) exceeds its 5-year average (5.1% per year).

Earnings vs Industry: BPRN earnings growth over the past year (35.9%) exceeded the Banks industry 35%.


Return on Equity

High ROE: BPRN's Return on Equity (8.5%) is considered low.


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 (7.7x) is low.

Allowance for Bad Loans: BPRN has a sufficient allowance for bad loans (782%).

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 (84%).

Low Risk Deposits: BPRN's Loans to Deposits ratio (99%) is appropriate.

Level of Bad Loans: BPRN has an appropriate level of bad loans (0.1%).


Dividend

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

2.44%

Current Dividend Yield


Upcoming Dividend Payment

TodayAug 03 2021Ex Dividend DateAug 05 2021Dividend Pay DateAug 27 202122 days from Ex DividendBuy in the next 1 day to receive the upcoming dividend

Dividend Yield vs Market

Notable Dividend: BPRN's dividend (2.44%) is higher than the bottom 25% of dividend payers in the US market (1.32%).

High Dividend: BPRN's dividend (2.44%) is low compared to the top 25% of dividend payers in the US market (3.55%).


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 3 years.


Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (18.8%), BPRN's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

4.0yrs

Average management tenure


CEO

Ed Dietzler (56 yo)

3.58yrs

Tenure

US$683,465

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 ($USD683.47K) is below average for companies of similar size in the US market ($USD1.10M).

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


Leadership Team

Experienced Management: BPRN's management team is considered experienced (4 years average tenure).


Board Members

Experienced Board: BPRN's board of directors are seasoned and experienced ( 13.6 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: BPRN insiders have bought more shares than they have sold 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$200.893m
  • Shares outstanding: 6.80m
  • Website: https://www.thebankofprinceton.com

Number of Employees


Location

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

Listings


Biography

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


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/08/03 00:42
End of Day Share Price2021/08/02 00:00
Earnings2021/06/30
Annual Earnings2020/12/31


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.