The Bank of Princeton Logo

The Bank of Princeton

BPRN

(4.0)
Stock Price

38,90 USD

1.13% ROA

9.32% ROE

10.57x PER

Market Cap.

256.462.864,00 USD

10.83% DER

3.22% Yield

20.33% NPM

The Bank of Princeton Stock Analysis

The Bank of Princeton Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

The Bank of Princeton Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.9x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a low debt to equity ratio (0%), which means it has a small amount of debt compared to the ownership it holds

3 Revenue Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

4 Net Profit Growth

With a track record of consistent net profit growth over the past five years, this company presents a compelling investment opportunity due to its strong financial performance.

5 Dividend Growth

Investors can take confidence in the company's impressive track record of annual dividend growth over the last five years, showcasing a commitment to rewarding shareholders.

6 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

7 ROE

ROE in an average range (12.21%) suggests satisfactory profitability and decent utilization of shareholders' equity.

8 ROA

The stock's ROA (1.45%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

9 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

10 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (119) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

11 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

The Bank of Princeton Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

The Bank of Princeton Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

The Bank of Princeton Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

The Bank of Princeton Revenue
Year Revenue Growth
2012 27.035.000
2013 29.790.000 9.25%
2014 34.576.000 13.84%
2015 38.671.000 10.59%
2016 40.024.000 3.38%
2017 41.962.000 4.62%
2018 43.131.000 2.71%
2019 44.836.000 3.8%
2020 53.656.000 16.44%
2021 67.267.000 20.23%
2022 72.945.000 7.78%
2023 76.348.000 4.46%
2023 115.300.000 33.78%
2024 125.988.000 8.48%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

The Bank of Princeton Research and Development Expenses
Year Research and Development Expenses Growth
2012 0
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

The Bank of Princeton General and Administrative Expenses
Year General and Administrative Expenses Growth
2012 2.883.000
2013 3.244.000 11.13%
2014 3.951.000 17.89%
2015 13.041.000 69.7%
2016 14.055.000 7.21%
2017 13.550.000 -3.73%
2018 14.868.000 8.86%
2019 15.355.000 3.17%
2020 16.948.000 9.4%
2021 18.275.000 7.26%
2022 21.465.000 14.86%
2023 25.740.000 16.61%
2023 24.277.000 -6.03%
2024 26.888.000 9.71%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

The Bank of Princeton EBITDA
Year EBITDA Growth
2012 -1.723.000
2013 185.000 1031.35%
2014 -1.539.000 112.02%
2015 22.613.000 106.81%
2016 25.016.000 9.61%
2017 24.523.000 -2.01%
2018 31.702.000 22.65%
2019 13.578.000 -133.48%
2020 19.176.000 29.19%
2021 31.140.000 38.42%
2022 40.622.000 23.34%
2023 36.904.000 -10.07%
2023 2.667.000 -1283.73%
2024 -1.560.000 270.96%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

The Bank of Princeton Gross Profit
Year Gross Profit Growth
2012 19.785.000
2013 22.670.000 12.73%
2014 27.416.000 17.31%
2015 38.671.000 29.1%
2016 40.024.000 3.38%
2017 41.962.000 4.62%
2018 43.131.000 2.71%
2019 44.836.000 3.8%
2020 53.656.000 16.44%
2021 67.267.000 20.23%
2022 72.945.000 7.78%
2023 76.348.000 4.46%
2023 105.604.000 27.7%
2024 125.988.000 16.18%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

The Bank of Princeton Net Profit
Year Net Profit Growth
2012 6.311.000
2013 8.801.000 28.29%
2014 9.001.000 2.22%
2015 11.006.000 18.22%
2016 11.843.000 7.07%
2017 11.014.000 -7.53%
2018 14.708.000 25.12%
2019 10.142.000 -45.02%
2020 13.806.000 26.54%
2021 22.486.000 38.6%
2022 26.494.000 15.13%
2023 30.392.000 12.83%
2023 25.765.000 -17.96%
2024 20.504.000 -25.66%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

The Bank of Princeton Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2012 1
2013 2 0%
2014 2 0%
2015 2 50%
2016 3 0%
2017 2 0%
2018 2 0%
2019 2 -100%
2020 2 50%
2021 3 33.33%
2022 4 25%
2023 5 0%
2023 4 0%
2024 3 -33.33%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

The Bank of Princeton Free Cashflow
Year Free Cashflow Growth
2012 8.164.000
2013 6.305.000 -29.48%
2014 10.464.000 39.75%
2015 10.169.000 -2.9%
2016 13.572.000 25.07%
2017 12.656.000 -7.24%
2018 16.061.000 21.2%
2019 13.082.000 -22.77%
2020 15.000.000 12.79%
2021 9.211.000 -62.85%
2022 23.380.000 60.6%
2023 16.559.000 -41.19%
2023 6.993.000 -136.79%
2024 3.899.000 -79.35%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

The Bank of Princeton Operating Cashflow
Year Operating Cashflow Growth
2012 9.729.000
2013 7.156.000 -35.96%
2014 11.524.000 37.9%
2015 10.806.000 -6.64%
2016 13.581.000 20.43%
2017 12.806.000 -6.05%
2018 17.021.000 24.76%
2019 17.064.000 0.25%
2020 18.096.000 5.7%
2021 12.903.000 -40.25%
2022 23.987.000 46.21%
2023 23.221.000 -3.3%
2023 7.344.000 -216.19%
2024 4.274.000 -71.83%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

The Bank of Princeton Capital Expenditure
Year Capital Expenditure Growth
2012 1.565.000
2013 851.000 -83.9%
2014 1.060.000 19.72%
2015 637.000 -66.41%
2016 9.000 -6977.78%
2017 150.000 94%
2018 960.000 84.38%
2019 3.982.000 75.89%
2020 3.096.000 -28.62%
2021 3.692.000 16.14%
2022 607.000 -508.24%
2023 6.662.000 90.89%
2023 351.000 -1798.01%
2024 375.000 6.4%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

The Bank of Princeton Equity
Year Equity Growth
2012 62.283.000
2013 64.232.000 3.03%
2014 78.502.000 18.18%
2015 91.444.000 14.15%
2016 103.462.000 11.62%
2017 168.295.000 38.52%
2018 184.318.000 8.69%
2019 195.925.000 5.92%
2020 208.818.000 6.17%
2021 216.578.000 3.58%
2022 219.601.000 1.38%
2023 240.211.000 8.58%
2023 232.208.000 -3.45%
2024 244.841.000 5.16%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

The Bank of Princeton Assets
Year Assets Growth
2012 769.002.000
2013 877.428.000 12.36%
2014 955.262.000 8.15%
2015 1.013.322.000 5.73%
2016 1.025.996.000 1.24%
2017 1.200.591.000 14.54%
2018 1.251.564.000 4.07%
2019 1.454.894.000 13.98%
2020 1.602.838.000 9.23%
2021 1.687.682.000 5.03%
2022 1.601.779.000 -5.36%
2023 1.926.661.000 16.86%
2023 1.913.123.000 -0.71%
2024 1.983.941.000 3.57%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

The Bank of Princeton Liabilities
Year Liabilities Growth
2012 706.719.000
2013 3.774.000 -18625.99%
2014 4.603.000 18.01%
2015 921.878.000 99.5%
2016 922.534.000 0.07%
2017 1.032.296.000 10.63%
2018 1.067.246.000 3.27%
2019 1.258.969.000 15.23%
2020 1.394.020.000 9.69%
2021 1.471.104.000 5.24%
2022 1.382.178.000 -6.43%
2023 1.686.450.000 18.04%
2023 1.680.915.000 -0.33%
2024 1.739.100.000 3.35%

The Bank of Princeton Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
17.37
Net Income per Share
3.53
Price to Earning Ratio
10.57x
Price To Sales Ratio
2.33x
POCF Ratio
12.13
PFCF Ratio
13.95
Price to Book Ratio
0.96
EV to Sales
2.24
EV Over EBITDA
30.26
EV to Operating CashFlow
12.63
EV to FreeCashFlow
13.38
Earnings Yield
0.09
FreeCashFlow Yield
0.07
Market Cap
0,26 Bil.
Enterprise Value
0,25 Bil.
Graham Number
55.42
Graham NetNet
-384.47

Income Statement Metrics

Net Income per Share
3.53
Income Quality
0.87
ROE
0.09
Return On Assets
0.01
Return On Capital Employed
0.03
Net Income per EBT
0.83
EBT Per Ebit
0.96
Ebit per Revenue
0.26
Effective Tax Rate
0.17

Margins

Sales, General, & Administrative to Revenue
0.15
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
0.26
Pretax Profit Margin
0.25
Net Profit Margin
0.2

Dividends

Dividend Yield
0.03
Dividend Yield %
3.22
Payout Ratio
0.34
Dividend Per Share
1.2

Operating Metrics

Operating Cashflow per Share
3.07
Free CashFlow per Share
2.9
Capex to Operating CashFlow
0.06
Capex to Revenue
0.01
Capex to Depreciation
0.52
Return on Invested Capital
0.09
Return on Tangible Assets
0.01
Days Sales Outstanding
23.41
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
15.59
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.17

Balance Sheet

Cash per Share
26,09
Book Value per Share
38,67
Tangible Book Value per Share
37.08
Shareholders Equity per Share
38.67
Interest Debt per Share
11.76
Debt to Equity
0.11
Debt to Assets
0.01
Net Debt to EBITDA
-1.29
Current Ratio
0.18
Tangible Asset Value
0,23 Bil.
Net Current Asset Value
-1,58 Bil.
Invested Capital
-682770000
Working Capital
-0,73 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,01 Bil.
Average Payables
0,01 Bil.
Average Inventory
-1740706000
Debt to Market Cap
0.1

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

The Bank of Princeton Dividends
Year Dividends Growth
2018 0
2019 0 0%
2020 0 0%
2021 1 0%
2022 1 100%
2023 1 0%
2024 1 0%

The Bank of Princeton Profile

About The Bank of Princeton

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 deposit. The company also offers various loan products comprising commercial real estate and multi-family, commercial and industrial, construction, residential first-lien mortgage, paycheck protection program, home equity, and consumer loans. In addition, it provides debit and credit cards, and money orders, direct deposit, automated teller machines, cashier's checks, safe deposit boxes, wire transfers, night depository, remote deposit capture, debit cards, bank-by-mail, online, and automated telephone banking services, as well as payroll-related services and merchant credit card processing services. Further, the company offers full on-line statements, on-line bill payment, account inquiries, transaction histories and details, and account-to-account transfer services. The company operates 21 branches in Princeton, including parts of Mercer, Somerset, Hunterdon, Ocean, Burlington, Camden, Gloucester, and Middlesex Counties in central New Jersey, as well as in additional areas in portions of Philadelphia, Montgomery, and Bucks counties in Pennsylvania. The Bank of Princeton was incorporated in 2007 and is headquartered in Princeton, New Jersey.

CEO
Mr. Edward J. Dietzler
Employee
210
Address
183 Bayard Lane
Princeton, 08540

The Bank of Princeton Executives & BODs

The Bank of Princeton Executives & BODs
# Name Age
1 Mr. Jeffrey T. Hanuscin
Senior Vice President of Finance, Treasurer & Chief Accounting Officer
70
2 Ms. Anna Maria Potter-Miller MA
Senior Vice President of Human Resources
70
3 Mr. Matthew T. Clark
Executive Vice President & Chief Information Officer
70
4 Ms. Kris Muse
Senior Vice President of Commercial Lenders
70
5 Mr. Daniel J. O'Donnell Esq., J.D.
Executive Vice President, Chief Operating Officer, General Counsel & Assistant Secretary
70
6 Mr. Robert N. Ridolfi J.D.
Secretary & Independent Director
70
7 Ms. Karen D. Pfeifer CRCM
Senior Vice President of Compliance & Operations
70
8 Mr. Edward J. Dietzler
President, Chief Executive Officer & Director
70
9 Mr. George Stephen Rapp CPA
Executive Vice President & Chief Financial Officer
70
10 Ms. Stephanie M. Adkins
Executive Vice President & Chief Lending Officer
70

The Bank of Princeton Competitors