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Bank of Princeton

Nasdaq:BPRN
Snowflake Description

Flawless balance sheet and fair value.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
BPRN
Nasdaq
$213M
Market Cap
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Last updated 2019/02/14 01:10
Company description

The Bank of Princeton provides various banking products and services in the United States. The last earnings update was 16 days ago. More info.

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BPRN Share Price and Events
7 Day Returns
3.4%
NasdaqGS:BPRN
0.4%
US Banks
0.5%
US Market
1 Year Returns
-1.8%
NasdaqGS:BPRN
-10%
US Banks
2%
US Market
BPRN Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Bank of Princeton (BPRN) 3.4% 8.4% 8.8% -1.8% - -
US Banks 0.4% 6.9% -1.3% -10% 55.9% 45.7%
US Market 0.5% 6.3% 1.9% 2% 45.1% 40.5%
1 Year Return vs Industry and Market
  • BPRN outperformed the Banks industry which returned -10% over the past year.
  • BPRN underperformed the Market in United States of America which returned 2% over the past year.
Price Volatility
BPRN
Industry
5yr Volatility vs Market

BPRN Value

 Is Bank of Princeton undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Bank of Princeton to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Bank of Princeton.

NasdaqGS:BPRN Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= $30.47 * 10.6% 		$3.23
Book Value of Equity per Share Weighted future Book Value estimates from 2 analysts. $30.47
Discount Rate (Cost of Equity) See below 8.5%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NasdaqGS:BPRN
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 7.3%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.63
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.634 (1 + (1- 21%) (26.05%)) 		0.765
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)		 0.8
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (0.8 * 7.27%) 		8.55%

Discounted Cash Flow Calculation for NasdaqGS:BPRN using Excess Returns Model Model

The calculations below outline how an intrinsic value for Bank of Princeton is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

NasdaqGS:BPRN Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (10.6% – 8.55%) * $30.47) 		$0.63
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $0.63 / (8.55% - 2.73%) 		$10.82
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $30.47 + $10.82 		$41.29
NasdaqGS:BPRN Discount to Share Price
Calculation Result
Value per share (USD) From above. $41.29
Current discount Discount to share price of $31.98
= -1 x ($31.98 - $41.29) / $41.29 		22.6%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Bank of Princeton is available for.
Intrinsic value
23%
Share price is $31.98 vs Future cash flow value of $41.29
Current Discount Checks
For Bank of Princeton to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Bank of Princeton's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Bank of Princeton's share price is below the future cash flow value, but not at a substantial discount (< 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Bank of Princeton's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Bank of Princeton's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqGS:BPRN PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in USD $2.22
NasdaqGS:BPRN Share Price ** NasdaqGS (2019-02-13) in USD $31.98
United States of America Banks Industry PE Ratio Median Figure of 583 Publicly-Listed Banks Companies 13.34x
United States of America Market PE Ratio Median Figure of 3,046 Publicly-Listed Companies 16.95x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Bank of Princeton.

NasdaqGS:BPRN PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqGS:BPRN Share Price ÷ EPS (both in USD)

= 31.98 ÷ 2.22

 14.41x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Bank of Princeton is overvalued based on earnings compared to the US Banks industry average.
  • Bank of Princeton is good value based on earnings compared to the United States of America market.
Price based on expected Growth
Does Bank of Princeton's expected growth come at a high price?
Raw Data
NasdaqGS:BPRN PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 14.41x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 2 Analysts		 13.6%per year
United States of America Banks Industry PEG Ratio Median Figure of 260 Publicly-Listed Banks Companies 1.21x
United States of America Market PEG Ratio Median Figure of 2,117 Publicly-Listed Companies 1.36x

*Line of best fit is calculated by linear regression .

NasdaqGS:BPRN PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 14.41x ÷ 13.6%

 1.06x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Bank of Princeton is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on Bank of Princeton's assets?
Raw Data
NasdaqGS:BPRN PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in USD $27.72
NasdaqGS:BPRN Share Price * NasdaqGS (2019-02-13) in USD $31.98
United States of America Banks Industry PB Ratio Median Figure of 586 Publicly-Listed Banks Companies 1.25x
United States of America Market PB Ratio Median Figure of 5,122 Publicly-Listed Companies 1.81x
NasdaqGS:BPRN PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqGS:BPRN Share Price ÷ Book Value per Share (both in USD)

= 31.98 ÷ 27.72

 1.15x

* Primary Listing of Bank of Princeton.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Bank of Princeton is good value based on assets compared to the US Banks industry average.
Show me more potentially undervalued companies in the Banks industry
X
Value checks
We assess Bank of Princeton's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
    5. Bank of Princeton has a total score of 3/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

BPRN Future Performance

 How is Bank of Princeton expected to perform in the next 1 to 3 years based on estimates from 2 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
13.6%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Bank of Princeton expected to grow at an attractive rate?
  • Bank of Princeton's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Bank of Princeton's earnings growth is expected to exceed the United States of America market average.
  • Bank of Princeton's revenue growth is expected to exceed the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NasdaqGS:BPRN Future Growth Rates Data Sources
Data Point Source Value (per year)
NasdaqGS:BPRN Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 2 Analysts 13.6%
NasdaqGS:BPRN Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 2 Analysts 8.9%
United States of America Banks Industry Earnings Growth Rate Market Cap Weighted Average 4.4%
United States of America Banks Industry Revenue Growth Rate Market Cap Weighted Average 5.4%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 13.4%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.1%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqGS:BPRN Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqGS:BPRN Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2020-12-31 51 19 2
2019-12-31 46 17 2
NasdaqGS:BPRN Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2018-12-31 43 15
2018-09-30 40 16 13
2018-06-30 39 16 12
2018-03-31 39 13 12
2017-12-31 38 13 11
2017-09-30 40 11 12
2017-06-30 40 10 12
2017-03-31 40 12 12
2016-12-31 40 14 12
2016-09-30 39 14 12
2016-06-30 39 13 12
2016-03-31 37 13 11

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Bank of Princeton's earnings are expected to grow by 13.6% yearly, however this is not considered high growth (20% yearly).
  • Bank of Princeton's revenue is expected to grow by 8.9% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqGS:BPRN Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below

All data from Bank of Princeton Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGS:BPRN Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2020-12-31 2.82 2.95 2.69 2.00
2019-12-31 2.48 2.60 2.36 2.00
NasdaqGS:BPRN Past Financials Data
Date (Data in USD Millions) EPS *
2018-12-31 2.22
2018-09-30 1.91
2018-06-30 1.89
2018-03-31 1.93
2017-12-31 2.00
2017-09-30 2.45
2017-06-30 2.57
2017-03-31 2.59
2016-12-31 2.52
2016-09-30 2.46
2016-06-30 2.47
2016-03-31 2.42

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Bank of Princeton is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
Show me more growth companies in the Banks industry
X
Future performance checks
We assess Bank of Princeton's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Bank of Princeton has a total score of 3/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

BPRN Past Performance

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

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Bank of Princeton's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Bank of Princeton's year on year earnings growth rate has been positive over the past 5 years.
  • Bank of Princeton's 1-year earnings growth exceeds its 5-year average (33.5% vs 8.3%)
  • Bank of Princeton's earnings growth has not exceeded the US Banks industry average in the past year (33.5% vs 38.8%).
Earnings and Revenue History
Bank of Princeton's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Bank of Princeton Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGS:BPRN Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 43.01 14.71 22.65
2018-09-30 40.33 12.63 22.05
2018-06-30 39.38 12.10 21.74
2018-03-31 38.90 11.51 21.42
2017-12-31 38.20 11.01 21.22
2017-09-30 39.98 12.33 21.21
2017-06-30 39.59 12.18 21.27
2017-03-31 40.10 12.16 21.64
2016-12-31 40.07 11.84 21.49
2016-09-30 39.45 11.56 21.58
2016-06-30 38.95 11.53 21.03
2016-03-31 37.42 11.27 20.05
2015-12-31 36.77 11.01 19.73
2015-09-30 36.41 10.91 19.46
2015-06-30 35.82 10.26 19.34
2015-03-31 35.38 9.50 19.44
2014-12-31 34.58 9.00 19.21
2014-09-30 33.02 9.05 18.66
2014-06-30 31.67 8.76 18.09
2014-03-31 30.57 8.83 17.21
2013-12-31 29.79 8.80 16.63
2013-09-30 30.12 8.10 16.11
2013-06-30 29.83 7.84 15.82
2013-03-31 28.74 7.18 15.69
2012-12-31 27.04 6.31 15.13
2012-09-30 24.25 5.14 14.64
2012-06-30 21.93 3.96 14.16
2012-03-31 20.52 3.30 13.60

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Bank of Princeton has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Bank of Princeton used its assets more efficiently than the US Banks industry average last year based on Return on Assets.
  • Unable to establish if Bank of Princeton improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Bank of Princeton's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Bank of Princeton has a total score of 3/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

BPRN Health

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

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Bank of Princeton's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Bank of Princeton Company Filings, last reported 1 month ago.

NasdaqGS:BPRN Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 184.32 55.40 26.38
2018-09-30 179.51 25.00 31.92
2018-06-30 175.99 46.00 25.70
2018-03-31 171.61 30.30 32.87
2017-12-31 168.30 0.00 82.82
2017-09-30 166.76 0.00 27.18
2017-06-30 111.59 60.00 26.79
2017-03-31 107.37 117.50 22.79
2016-12-31 103.46 56.10 19.61
2016-09-30 101.62 37.00 32.93
2016-06-30 98.62 90.00 31.39
2016-03-31 95.00 116.20 28.47
2015-12-31 91.44 128.80 28.59
2015-09-30 88.76 151.50 46.56
2015-06-30 83.70 98.80 66.61
2015-03-31 81.88 35.00 32.49
2014-12-31 78.50 24.30 31.87
2014-09-30 74.60 48.67 26.36
2014-06-30 72.16 45.46 29.38
2014-03-31 68.44 70.19 28.00
2013-12-31 64.23 60.41 27.43
2013-09-30 62.46 17.82 29.31
2013-06-30 60.68 24.26 24.80
2013-03-31 63.63 40.51 25.78
2012-12-31 62.28 28.25 24.62
2012-09-30 61.04 39.69 17.59
2012-06-30 58.16 63.45 16.60
2012-03-31 55.08 42.70 18.02
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Bank of Princeton has an acceptable proportion of non-loan assets held.
  • Bank of Princeton's liabilities are made up of primarily low risk sources of funding.
  • Loans at Bank of Princeton are broadly funded by customer deposits.
  • Bank of Princeton's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Bank of Princeton has a sufficient allowance for bad loans.
  • Bank of Princeton has an acceptable level of bad loans (less than 2%).
Show me more healthy companies in the Banks industry
X
Financial health checks
We assess Bank of Princeton's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
    7. Bank of Princeton has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

BPRN Dividends

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

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0.38%
Current annual income from Bank of Princeton dividends. Estimated to be 0.38% next year.
If you bought $2,000 of Bank of Princeton shares you are expected to receive $8 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Bank of Princeton's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.43%).
  • Bank of Princeton's dividend is below the markets top 25% of dividend payers in United States of America (3.62%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqGS:BPRN Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below
United States of America Banks Industry Average Dividend Yield Market Cap Weighted Average of 467 Stocks 2.8%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 1997 Stocks 2.5%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.6%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NasdaqGS:BPRN Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2020-12-31 0.12 2.00
2019-12-31 0.12 2.00
NasdaqGS:BPRN Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2019-01-23 0.120 0.398
2018-10-17 0.120 0.413

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Bank of Princeton is not paying a notable dividend for United States of America, therefore no need to check if the payments are stable.
  • Bank of Princeton is not paying a notable dividend for United States of America, therefore no need to check if the payments are increasing.
Current Payout to shareholders
What portion of Bank of Princeton's earnings are paid to the shareholders as a dividend.
  • No need to calculate the sustainability of Bank of Princeton's dividends as it is not paying a notable one for United States of America.
Future Payout to shareholders
  • No need to calculate the sustainability of Bank of Princeton's dividends in 3 years as they are not expected to pay a notable one for United States of America.
X
Income/ dividend checks
We assess Bank of Princeton's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Bank of Princeton afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
    7. Bank of Princeton has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

BPRN Management

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

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Ed Dietzler
COMPENSATION $464,683
AGE 53
TENURE AS CEO 1.1 years
CEO Bio

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 of Corporate Development and was promoted to Executive Vice President and Chief Operations Officer in March 2011. He became Acting President in January 2012 and was promoted to President of the Bank in May 2012. In June 2012 Mr. Dietzler was appointed to the board of directors of Bank of Princeton. In January 2018, he was named chief executive officer of Bank of Princeton. He is a veteran banking executive of 22 years who most recently was the Managing Director at Bear Stearns Bank and Trust in Princeton, NJ from November 2007 through August 2008. While at Bear Stearns he was responsible for all aspects of banking and mortgage operations. From May 2003 through October 2007, he was with Yardville National Bank as First Senior Vice President of Capital Markets, where he oversaw the balance sheet and capital management. Prior to that, Mr. Dietzler was with GMAC Mortgage as the Director of Risk Management from December 1997 through May 2003 and was responsible for derivative trading and balance sheet management. Mr. Dietzler is 53 years old and has served The Bank of Princeton since 2009. He served as Member of Community Depository Institutions Advisory Council at Federal Reserve Bank of Philadelphia. Mr. Dietzler is a graduate of Widener University where he earned a Master’s degree in Business Administration.

CEO Compensation
  • Ed's compensation has increased by more than 20% in the past year.
  • Ed's remuneration is lower than average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Bank of Princeton management team in years:

1.9
Average Tenure
60.5
Average Age
  • The average tenure for the Bank of Princeton management team is less than 2 years, this suggests a new team.
Management Team

Ed Dietzler

TITLE
President
COMPENSATION
$465K
AGE
53
TENURE
1.1 yrs

Daniel O'Donnell

TITLE
Chief Risk Officer
COMPENSATION
$450K
AGE
55

Robert Ridolfi

TITLE
Secretary & Director
COMPENSATION
$80K
AGE
70

George Rapp

TITLE
CFO & Executive VP
AGE
66
TENURE
1.9 yrs

Karen Pfeifer

TITLE
Senior VP and Director of Operations & Compliance

Matthew Clark

TITLE
VP & Director Of Information Technology

Anna Miller

TITLE
Senior VP & Director of Human Resources

Barbara Cromwell

TITLE
Senior VP & Director of Market Development

Kris Muse

TITLE
Senior VP & Commercial Lender
TENURE
11.9 yrs

William McCoy

TITLE
Senior VP & Commercial Lender
Board of Directors Tenure

Average tenure and age of the Bank of Princeton board of directors in years:

11.1
Average Tenure
66
Average Age
  • The average tenure for the Bank of Princeton board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors

Dick Gillespie

TITLE
Chairman of the Board
COMPENSATION
$80K
AGE
74
TENURE
3.1 yrs

Ed Dietzler

TITLE
President
COMPENSATION
$465K
AGE
53
TENURE
6.7 yrs

Steve Distler

TITLE
Vice Chairman of the Board
COMPENSATION
$80K
AGE
64
TENURE
7.8 yrs

Ross Wishnick

TITLE
Vice Chairman of the Board
COMPENSATION
$80K
AGE
66
TENURE
12.1 yrs

Robert Ridolfi

TITLE
Secretary & Director
COMPENSATION
$80K
AGE
70
TENURE
12.1 yrs

Judith Giacin

TITLE
Director
COMPENSATION
$80K
AGE
71
TENURE
12.1 yrs

Stephen Shueh

TITLE
Director
COMPENSATION
$80K
AGE
42
TENURE
11.1 yrs

Barbara Cuneo

TITLE
Member of the Advisory Board

Lance Liverman

TITLE
Member of the Advisory Board

Peter Dawson

TITLE
Member of the Advisory Board
Who owns this company?
Recent Insider Trading
  • More shares have been bought than sold by Bank of Princeton insiders in the past 3 months.
Show me more companies with insider buying in the Banks industry
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
13. Dec 18 Buy Martin Tuchman Individual 12. Dec 18 12. Dec 18 5,000 $28.82 $144,100
11. Dec 18 Buy Martin Tuchman Individual 07. Dec 18 10. Dec 18 10,000 $28.87 $288,600
04. Dec 18 Buy Martin Tuchman Individual 30. Nov 18 30. Nov 18 7,500 $28.92 $216,900
29. Nov 18 Buy Martin Tuchman Individual 27. Nov 18 27. Nov 18 2,500 $28.75 $71,875
19. Nov 18 Buy Richard Gillespie Individual 15. Nov 18 16. Nov 18 500 $29.55 $14,737
15. Nov 18 Buy Richard Gillespie Individual 13. Nov 18 14. Nov 18 900 $29.54 $26,574
07. Nov 18 Buy Martin Tuchman Individual 05. Nov 18 05. Nov 18 1,014 $28.87 $29,274
06. Nov 18 Buy Richard Gillespie Individual 01. Nov 18 01. Nov 18 100 $28.25 $2,825
05. Nov 18 Buy Martin Tuchman Individual 01. Nov 18 02. Nov 18 5,488 $28.72 $156,989
07. Jun 18 Buy Martin Tuchman Individual 06. Jun 18 06. Jun 18 26,024 $33.00 $858,792
06. Jun 18 Buy Martin Tuchman Individual 04. Jun 18 05. Jun 18 13,583 $32.98 $447,943
04. Jun 18 Buy Martin Tuchman Individual 31. May 18 01. Jun 18 1,024 $32.90 $33,637
31. May 18 Buy Martin Tuchman Individual 29. May 18 30. May 18 10,531 $33.25 $350,023
24. May 18 Buy Martin Tuchman Individual 22. May 18 23. May 18 15,521 $33.25 $516,073
22. May 18 Buy Martin Tuchman Individual 18. May 18 21. May 18 4,861 $33.25 $161,317
29. May 18 Buy Martin Tuchman Individual 24. May 18 25. May 18 4,814 $33.00 $158,862
10. May 18 Buy Martin Tuchman Individual 08. May 18 09. May 18 18,496 $33.40 $617,656
04. May 18 Buy Martin Tuchman Individual 02. May 18 02. May 18 1,401 $33.25 $46,583
X
Management checks
We assess Bank of Princeton's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
    5. Bank of Princeton has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

BPRN News

Simply Wall St News

Should You Be Concerned About The Bank of Princeton’s (NASDAQ:BPRN) Risks?

As a small-cap bank with a market capitalisation of US$198m, The Bank of Princeton’s (NASDAQ:BPRN) profit and value are directly affected by economic growth. … Risk associated with repayment is measured by bad debt which is written off as an expense, impacting Bank of Princeton’s bottom line. … Today we will analyse Bank of Princeton’s level of bad debt and liabilities in order to understand the risk involved with investing in the bank.

Simply Wall St - –

Here's What The Bank of Princeton's (NASDAQ:BPRN) P/E Is Telling Us

To keep it practical, we'll show how The Bank of Princeton's (NASDAQ:BPRN) P/E ratio could help you assess the value on offer. … Bank of Princeton has a P/E ratio of 14.8, based on the last twelve months. … Price to Earnings Ratio = Price per Share ÷ Earnings per Share (EPS)

Simply Wall St - –

What Kind Of Investor Owns Most Of The Bank of Princeton (NASDAQ:BPRN)?

If you want to know who really controls The Bank of Princeton (NASDAQ:BPRN), then you'll have to look at the makeup of its share registry. … Bank of Princeton is a smaller company with a market capitalization of US$193m, so it may still be flying under the radar of many institutional investors. … Check out our latest analysis for Bank of Princeton

Simply Wall St - –

Are Insiders Buying The Bank of Princeton (NASDAQ:BPRN) Stock?

So shareholders might well want to know whether insiders have been buying or selling shares in The Bank of Princeton (NASDAQ:BPRN). … But logic dictates you should pay some attention to whether insiders are buying or selling shares. … In the last twelve months there was more buying than selling by Bank of Princeton insiders

Simply Wall St - –

A Spotlight On The Bank of Princeton's (NASDAQ:BPRN) Fundamentals

The Bank of Princeton (NASDAQ:BPRN) is a stock with outstanding fundamental characteristics. … When we build an investment case, we need to look at the stock with a holistic perspective. … report on Bank of Princeton here

Simply Wall St - –

Is The Bank of Princeton's (NASDAQ:BPRN) Growth Strong Enough To Justify Its October Share Price?

Growth expectations for The Bank of Princeton (NASDAQ:BPRN) are high, but many investors are starting to ask whether its last close at $30.79 can still be rationalized by the future potential. … View our latest analysis for Bank of Princeton? … According to the analysts covering the company, the following few years should bring about good growth prospects for Bank of Princeton

Simply Wall St - –

The Bank of Princeton (NASDAQ:BPRN) Is Trading At A 20.63% Discount Right Now

Valuing BPRN, a bank stock, can be daunting since these financial companies have cash flows that are impacted by regulations that are not imposed upon other industries. … Banks, for example, must hold certain levels of tiered capital in order to maintain a safe cash cushion.

Simply Wall St - –

Is The Bank of Princeton's (NASDAQ:BPRN) PE Ratio A Signal To Sell For Investors?

The Bank of Princeton (NASDAQ:BPRN) is currently trading at a trailing P/E of 17.7x, which is higher than the industry average of 16.3x. … Although some investors may jump to the conclusion that you should avoid the stock or sell if you own it, understanding the assumptions behind the P/E ratio might change your mind. … Check out our latest analysis for Bank of Princeton

Simply Wall St - –

The Bank of Princeton (NASDAQ:BPRN): Is Financials Attractive?

The Bank of Princeton (NASDAQ:BPRN), a US$225.80m. … is a bank operating in an industry, … Many aspects of banking and capital markets are being attacked by new competitors, whose key advantage is a leaner and technology-enabled operating model, allowing them to scale at a faster rate and meet changing consumer needs

Simply Wall St - –

Who Are The Major Shareholders In The Bank of Princeton (NASDAQ:BPRN)?

I am going to take a deep dive into The Bank of Princeton’s (NASDAQ:BPRN) most recent ownership structure, not a frequent subject of discussion among individual investors. … When it comes to ownership structure of a company, the impact has been observed in both the long-and short-term performance of shares. … The effect of an active institutional investor with a similar ownership as a passive pension-fund can be vastly different on a company's corporate governance and accountability to shareholders.

Simply Wall St - –

BPRN Company Info

Map
Description

The Bank of Princeton provides various banking products and services in the United States. The company offers checking accounts, savings accounts, attorney trust accounts, money market accounts, and certificates of deposit; and commercial real estate and multi-family, commercial and industrial, construction, residential first-lien mortgage, home equity, and consumer loans, as well as lines of credit. It also provides money order, cashier’s check, wire transfer, savings bonds, debit card, direct deposit, safe deposit box, night depository, automated teller machine, and remote deposit capture services, as well as online, telephone, and Internet banking services. The company operates 13 branches in Princeton, including parts of Mercer, Somerset, Hunterdon, Monmouth, and Middlesex counties in central New Jersey, as well as portions of Philadelphia, Montgomery, and Bucks counties in Pennsylvania. The Bank of Princeton was founded in 2007 and is headquartered in Princeton, New Jersey.

Details
Name: The Bank of Princeton
BPRN
Exchange: NasdaqGS
Founded: 2007
$212,694,470
6,650,859
Website: http://www.thebankofprinceton.com
Address: The Bank of Princeton
183 Bayard Lane,
Princeton,
New Jersey, 08540,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqGS BPRN Common Shares Nasdaq Global Select US USD 24. May 2016
Number of employees
Current staff
Staff numbers
144
Bank of Princeton employees.
Industry
Regional Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/02/14 01:10
End of day share price update: 2019/02/13 00:00
Last estimates confirmation: 2019/02/05
Last earnings filing: 2019/01/29
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.

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