Princeton Bancorp

BPRN

Banks - Regional · Financial Services

Price

$42.50

+0.05 (+0.12%)

Market Cap

$289.5M

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Bank Quality

Good

Growth

Good

Capital Strength

Exceptional

Asset Quality

Exceptional

Valuation

Good

Dividends

Strong

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Winston Score History

The full picture

Princeton Bancorp, Inc. operates as a bank holding company. It is a full-service financial institution that provides business and personal banking. It offers traditional retail banking services, one-to-four-family residential mortgage loans, multi-family and commercial mortgage loans, construction loans, commercial business loans, and consumer loans, including home equity loans and lines of credit. The company was founded in 2017 and is headquartered in Princeton, NJ.

Share count broadly stable

+0.7% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 6.8M (2021) → 6.9M (2025)

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Return on owners' money

Return on Equity

9.7%

no trend

Below its cost of capital — 9.7%

Standard mid-range return on equity. Acceptable.

Profit on lending

Net Interest Margin

3.68%

no trend

Wide spread — 3.68% net interest margin

Cost of running the bank

Efficiency Ratio

60.8%

no trend

Average — 60.8% efficiency ratio

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Growth

Sales growth

Sales YoY

-2.8%

Shrinking sales (-2.8% YoY)

Profit growth

EPS YoY

+296.9%

Earnings growing fast (+296.9% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Capital Strength

Safety cushion

Capital Ratio

13.1%

no trend

Fortress balance sheet — 13.1% CET1

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Loans not being repaid

Non-Performing Loans

0.91%

no trend

Clean loan book — 0.91% non-performing

Below 1% of loans are troubled. Still a healthy, well-run loan book.

Loans written off

Net Charge-Offs

0.00%

no trend

Minimal losses — 0.00% net charge-offs

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Valuation

Price vs profit

P/E Ratio (TTM)

11.2x

Attractive valuation — P/E 11.2

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+0.1

GROWING

Earnings roughly flat

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Dividends

Dividend

Dividend Yield

3.29%

Moderate income — 3.29% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record

Dividend Growth

+16.7%

Dividend growing fast (16.7% YoY)

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