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Princeton Bancorp (BPRN) Financials

Princeton Bancorp logo
$37.49 +0.37 (+0.98%)
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Annual Income Statements for Princeton Bancorp

Annual Income Statements for Princeton Bancorp

This table shows Princeton Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2021 2022 2023 2024 2025
Period end date 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 22 26 26 10 19
Consolidated Net Income / (Loss)		 22 26 26 10 19
Net Income / (Loss) Continuing Operations		 22 26 26 10 19
Total Pre-Tax Income 		29 34 30 13 24
Total Revenue		 67 73 82 75 84
Net Interest Income / (Expense)		 63 68 65 67 76
Total Interest Income		 69 74 98 123 131
Loans and Leases Interest Income		 67 71 89 109 118
Investment Securities Interest Income		 1.73 2.16 2.49 6.08 10
Other Interest Income		 0.20 0.92 6.42 8.28 2.73
Total Interest Expense		 6.67 6.00 33 56 55
Deposits Interest Expense		 6.67 6.00 33 56 55
Long-Term Debt Interest Expense		 0.00 0.01 0.12 0.00 0.06
Total Non-Interest Income		 4.67 4.86 17 8.16 8.47
Other Service Charges		 3.54 3.72 5.89 6.49 6.47
Net Realized & Unrealized Capital Gains on Investments		 0.01 -0.12 9.94 -0.01 0.00
Other Non-Interest Income		 1.12 1.14 1.29 1.67 2.00
Provision for Credit Losses		 3.63 0.40 3.11 5.11 6.65
Total Non-Interest Expense		 34 38 49 57 54
Salaries and Employee Benefits		 17 20 23 26 28
Net Occupancy & Equipment Expense		 9.62 10 12 14 15
Marketing Expense		 0.21 0.48 0.50 0.63 0.70
Property & Liability Insurance Claims		 0.79 1.01 0.89 1.15 1.59
Other Operating Expenses		 5.70 6.20 6.22 7.56 8.67
Restructuring Charge		 - 0.00 5.64 7.80 0.00
Income Tax Expense		 6.70 7.56 4.57 2.57 5.07
Basic Earnings per Share		 $3.37 $4.19 $4.10 $1.57 $2.73
Weighted Average Basic Shares Outstanding		 - 6.26M 6.34M 6.92M 6.79M
Diluted Earnings per Share		 $3.30 $4.11 $4.03 $1.55 $2.71
Weighted Average Diluted Shares Outstanding		 - 6.26M 6.34M 6.92M 6.79M
Weighted Average Basic & Diluted Shares Outstanding		 - 6.26M 6.34M 6.92M 6.79M
Cash Dividends to Common per Share		 $0.66 $1.00 $1.20 $1.20 $1.25

Quarterly Income Statements for Princeton Bancorp

This table shows Princeton Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 7.60 5.28 4.35 4.89 -4.46 5.23 5.38 0.69 6.47 6.08 6.23
Consolidated Net Income / (Loss)		 7.60 5.28 4.35 5.13 -4.46 5.23 5.38 0.69 6.47 6.08 6.23
Net Income / (Loss) Continuing Operations		 7.60 5.28 4.35 4.89 -4.46 5.23 5.38 0.69 6.47 6.08 6.23
Total Pre-Tax Income 		9.11 6.28 5.41 6.16 -5.58 6.82 6.89 0.60 8.28 7.92 8.05
Total Revenue		 19 18 17 18 19 20 21 21 22 21 21
Net Interest Income / (Expense)		 17 16 15 16 17 18 19 19 20 19 19
Total Interest Income		 27 28 28 29 32 34 33 33 33 32 31
Loans and Leases Interest Income		 24 24 25 26 28 29 30 30 30 29 28
Investment Securities Interest Income		 0.65 0.70 0.85 1.29 1.56 2.38 2.90 2.58 2.49 2.08 1.80
Other Interest Income		 2.85 2.49 2.27 2.09 2.12 1.81 0.77 0.56 0.32 1.08 1.21
Total Interest Expense		 10 12 13 13 15 16 15 14 13 13 12
Deposits Interest Expense		 10 12 13 13 15 16 15 14 13 13 12
Long-Term Debt Interest Expense		 0.00 - 0.00 0.00 0.00 - 0.00 0.01 0.05 - 0.00
Total Non-Interest Income		 2.40 1.78 1.99 2.09 2.06 2.03 2.19 2.25 1.91 2.12 2.45
Other Service Charges		 1.88 1.36 1.60 1.70 1.64 1.55 1.72 1.76 1.40 1.59 1.94
Net Realized & Unrealized Capital Gains on Investments		 0.20 - - - -0.01 - 0.00 - 0.00 - 0.00
Other Non-Interest Income		 0.33 0.38 0.38 0.39 0.42 0.48 0.47 0.49 0.51 0.53 0.51
Provision for Credit Losses		 -0.18 0.56 0.19 0.12 4.60 0.44 0.27 6.96 -0.67 0.10 -0.16
Total Non-Interest Expense		 10 11 12 12 20 13 14 14 14 13 13
Salaries and Employee Benefits		 6.18 6.03 6.52 6.44 6.56 6.52 7.17 7.09 7.09 6.42 7.03
Net Occupancy & Equipment Expense		 3.38 3.02 3.19 3.25 3.54 3.60 3.91 3.69 3.85 3.76 4.02
Marketing Expense		 0.14 0.13 0.14 0.16 0.18 0.15 0.17 0.15 0.21 0.16 0.18
Property & Liability Insurance Claims		 0.26 0.19 0.27 0.28 0.32 0.28 0.53 0.42 0.37 0.28 0.30
Other Operating Expenses		 1.59 1.58 1.71 1.88 1.75 2.23 1.78 2.16 2.39 2.12 1.70
Amortization Expense		 - - - - - - 0.23 - - - 0.20
Restructuring Charge		 -1.39 - - - 7.80 - 0.00 - 0.00 - 0.00
Income Tax Expense		 1.51 1.00 1.07 1.04 -1.12 1.59 1.51 -0.09 1.82 1.84 1.82
Basic Earnings per Share		 $1.21 $0.84 $0.69 $0.81 ($0.68) $0.75 $0.78 $0.10 $0.95 $0.90 $0.92
Weighted Average Basic Shares Outstanding		 6.30M 6.34M 6.32M 6.35M 6.85M 6.92M 6.93M 6.75M 6.76M 6.79M 6.81M
Diluted Earnings per Share		 $1.19 $0.82 $0.68 $0.80 ($0.68) $0.75 $0.77 $0.10 $0.95 $0.89 $0.91
Weighted Average Diluted Shares Outstanding		 6.30M 6.34M 6.32M 6.35M 6.85M 6.92M 6.93M 6.75M 6.76M 6.79M 6.81M
Weighted Average Basic & Diluted Shares Outstanding		 6.30M 6.34M 6.32M 6.35M 6.85M 6.92M 6.93M 6.75M 6.76M 6.79M 6.81M
Cash Dividends to Common per Share		 $0.30 - $0.30 $0.30 $0.30 - $0.30 $0.30 $0.35 - $0.35

Annual Cash Flow Statements for Princeton Bancorp

This table details how cash moves in and out of Princeton Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2021 2022 2023 2024 2025
Period end date 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 81 -105 97 -33 18
Net Cash From Operating Activities		 13 24 23 15 21
Net Cash From Continuing Operating Activities		 13 24 23 15 21
Net Income / (Loss) Continuing Operations		 22 26 26 10 19
Consolidated Net Income / (Loss)		 22 26 26 10 19
Provision For Loan Losses		 3.63 0.40 3.11 5.11 6.65
Depreciation Expense		 1.31 1.48 1.48 1.68 1.79
Amortization Expense		 -8.31 -4.48 -2.29 -3.24 -4.35
Non-Cash Adjustments to Reconcile Net Income		 -0.58 -0.34 -10 -1.46 1.78
Changes in Operating Assets and Liabilities, net		 -5.63 0.43 5.27 2.40 -3.00
Net Cash From Investing Activities		 3.54 -26 -5.76 -154 68
Net Cash From Continuing Investing Activities		 3.54 -26 -5.76 -154 68
Purchase of Property, Leasehold Improvements and Equipment		 -1.19 -0.61 -1.71 -1.53 -0.89
Purchase of Investment Securities		 -10 -36 -34 -184 -9.95
Divestitures		 - 0.00 23 7.87 0.00
Sale and/or Maturity of Investments		 15 10 6.75 24 79
Net Cash From Financing Activities		 65 -103 80 106 -71
Net Cash From Continuing Financing Activities		 65 -103 80 106 -71
Net Change in Deposits		 79 -98 96 114 -56
Issuance of Debt		 0.00 - -10 0.00 0.00
Repurchase of Common Equity		 -10 -9.42 0.00 -0.84 -7.87
Payment of Dividends		 -4.39 -6.46 -7.45 -7.61 -8.67
Other Financing Activities, Net		 0.30 1.09 0.99 0.44 1.60
Cash Interest Paid		 8.11 6.02 25 50 62
Cash Income Taxes Paid		 9.03 6.99 5.88 1.82 2.25

Quarterly Cash Flow Statements for Princeton Bancorp

This table details how cash moves in and out of Princeton Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 64 -56 22 -21 30 -64 -50 -47 52 63 -16
Net Cash From Operating Activities		 7.34 2.96 4.83 4.31 1.18 4.41 1.25 3.14 4.89 12 5.21
Net Cash From Continuing Operating Activities		 7.34 2.96 4.83 4.31 1.18 4.41 1.25 3.14 4.89 12 5.21
Net Income / (Loss) Continuing Operations		 7.60 5.28 4.35 5.13 -4.46 5.23 5.38 0.69 6.47 6.08 6.23
Consolidated Net Income / (Loss)		 7.60 5.28 4.35 5.13 -4.46 5.23 5.38 0.69 6.47 6.08 6.23
Provision For Loan Losses		 -0.18 0.56 0.19 -0.12 4.60 0.44 0.27 6.96 -0.67 0.10 -0.16
Depreciation Expense		 0.40 0.41 0.41 0.41 0.43 0.44 0.44 0.45 0.45 0.45 0.45
Amortization Expense		 -0.58 -0.98 0.09 -0.48 -0.67 -2.18 -1.01 -1.00 -1.45 -0.90 -1.15
Non-Cash Adjustments to Reconcile Net Income		 -0.30 0.72 -0.08 1.04 -2.28 -0.15 0.54 -0.15 0.38 1.01 -0.59
Changes in Operating Assets and Liabilities, net		 0.41 -3.03 -0.12 -1.67 3.56 0.64 -4.37 -3.80 -0.28 5.46 0.42
Net Cash From Investing Activities		 -7.21 -55 -51 -17 -34 -53 -27 25 64 5.69 15
Net Cash From Continuing Investing Activities		 -7.21 -55 -51 -17 -34 -53 -27 25 64 5.69 15
Purchase of Property, Leasehold Improvements and Equipment		 -0.35 -0.29 -0.07 -0.38 -0.42 -0.66 -0.20 -0.25 -0.23 -0.20 -0.27
Purchase of Investment Securities		 -8.31 -56 -52 -22 -51 -70 -70 1.27 49 -21 -29
Sale and/or Maturity of Investments		 1.45 1.26 1.28 5.64 9.95 18 43 24 16 27 45
Net Cash From Financing Activities		 64 -3.96 67 -8.12 62 -15 -24 -75 -17 45 -36
Net Cash From Continuing Financing Activities		 64 -3.96 67 -8.12 62 -15 -24 -75 -17 45 -36
Net Change in Deposits		 65 -2.23 70 -6.55 64 -13 -22 -78 -3.79 48 -34
Repurchase of Common Equity		 - - -0.58 -0.26 - - -0.16 -5.48 -1.92 -0.30 -0.06
Payment of Dividends		 -1.78 -1.95 -1.87 -1.87 -1.88 -2.00 -2.09 -2.06 -2.12 -2.39 -2.49
Other Financing Activities, Net		 0.51 0.21 -0.22 0.56 - 0.10 0.21 0.90 0.50 -0.02 -0.21
Cash Interest Paid		 6.25 13 9.95 14 11 15 17 17 17 10 13
Cash Income Taxes Paid		 - 2.43 0.72 0.56 0.54 - 1.09 1.60 - -0.44 0.49

Annual Balance Sheets for Princeton Bancorp

This table presents Princeton Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2021 2022 2023 2024 2025
Period end date 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,688 1,602 1,916 2,340 2,285
Cash and Due from Banks		 9.41 12 17 17 17
Federal Funds Sold		 147 28 116 84 99
Interest Bearing Deposits at Other Banks		 2.61 13 17 17 19
Trading Account Securities		 101 84 92 247 183
Loans and Leases, Net of Allowance		 1,319 1,354 1,530 1,795 1,796
Loans and Leases		 1,335 1,370 1,548 1,819 1,816
Allowance for Loan and Lease Losses		 17 16 18 24 20
Accrued Investment Income		 4.22 4.76 6.09 7.98 7.80
Premises and Equipment, Net		 13 12 14 18 17
Goodwill		 8.85 8.85 8.85 14 14
Intangible Assets		 2.39 1.83 1.42 3.63 2.78
Other Assets		 1,400 84 114 137 129
Total Liabilities & Shareholders' Equity		 1,688 1,602 1,916 2,340 2,285
Total Liabilities		 1,471 1,382 1,676 2,078 2,014
Non-Interest Bearing Deposits		 286 265 249 301 286
Interest Bearing Deposits		 1,160 1,083 1,386 1,732 1,690
Accrued Interest Payable		 1.04 1.03 9.16 15 8.53
Long-Term Debt		 0.00 10 - - 0.00
Other Long-Term Liabilities		 24 23 31 30 30
Total Equity & Noncontrolling Interests		 217 220 240 262 271
Total Preferred & Common Equity		 217 220 240 262 271
Preferred Stock		 - - 0.00 0.00 0.00
Total Common Equity		 217 220 240 262 271
Common Stock		 114 116 98 120 123
Retained Earnings		 111 131 149 152 162
Treasury Stock		 -10 -19 0.00 -0.84 -8.71
Accumulated Other Comprehensive Income / (Loss)		 0.84 -8.27 -7.49 -8.94 -5.27

Quarterly Balance Sheets for Princeton Bancorp

This table presents Princeton Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 1,913 1,988 1,984 2,355 2,318 2,242 2,229 2,254
Cash and Due from Banks		 15 13 15 19 20 20 18 17
Federal Funds Sold		 175 141 118 140 45 0.00 37 13
Interest Bearing Deposits at Other Banks		 17 18 19 22 2.59 1.49 18 90
Trading Account Securities		 88 127 141 199 239 225 210 165
Loans and Leases, Net of Allowance		 1,481 1,553 1,555 1,808 1,833 1,818 1,773 1,799
Loans and Leases		 1,499 1,571 1,573 1,831 1,857 1,839 1,794 1,819
Allowance for Loan and Lease Losses		 18 19 18 23 24 21 20 20
Accrued Investment Income		 5.78 6.41 7.05 8.20 8.15 7.87 7.57 7.32
Premises and Equipment, Net		 15 14 14 18 18 17 17 17
Goodwill		 8.85 8.85 8.85 14 14 14 14 14
Intangible Assets		 1.55 1.30 1.19 3.86 3.40 3.19 2.98 2.58
Other Assets		 107 105 105 122 135 135 131 129
Total Liabilities & Shareholders' Equity		 1,913 1,988 1,984 2,355 2,318 2,242 2,229 2,254
Total Liabilities		 1,681 1,746 1,739 2,093 2,051 1,980 1,962 1,980
Non-Interest Bearing Deposits		 264 247 245 303 290 300 294 303
Interest Bearing Deposits		 1,374 1,459 1,454 1,743 1,720 1,632 1,634 1,639
Accrued Interest Payable		 10 12 11 14 13 9.66 5.55 8.08
Long-Term Debt		 0.00 - - - - 10 0.00 0.00
Other Long-Term Liabilities		 33 29 29 33 28 28 28 29
Total Equity & Noncontrolling Interests		 232 242 245 262 267 262 267 274
Total Preferred & Common Equity		 232 242 245 262 267 262 267 274
Preferred Stock		 - - - 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 232 242 245 262 267 262 267 274
Common Stock		 98 98 99 120 120 122 123 123
Retained Earnings		 146 152 155 149 155 154 158 165
Treasury Stock		 0.00 -0.58 -0.84 -0.84 -1.01 -6.49 -8.40 -8.76
Accumulated Other Comprehensive Income / (Loss)		 -12 -7.79 -8.58 -5.89 -7.63 -7.04 -5.63 -6.11

Annual Metrics And Ratios for Princeton Bancorp

This table displays calculated financial ratios and metrics derived from Princeton Bancorp's official financial filings.

Metric 2021 2022 2023 2024 2025
Period end date 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 0.00 0.00 6,298,313.00 - 6,762,859.00
DEI Adjusted Shares Outstanding		 0.00 0.00 6,298,313.00 - 6,762,859.00
DEI Earnings Per Adjusted Shares Outstanding		 0.00 0.00 4.09 - 2.75
Growth Metrics		 - - - - -
Revenue Growth		 0.00% 8.26% 12.79% -9.07% 12.85%
EBITDA Growth		 0.00% 39.40% -4.55% -61.88% 87.65%
EBIT Growth		 0.00% 16.24% -10.59% -57.75% 84.78%
NOPAT Growth		 0.00% 17.82% -2.75% -60.25% 81.71%
Net Income Growth		 0.00% 17.82% -2.75% -60.25% 81.71%
EPS Growth		 0.00% 24.55% -1.95% -61.54% 74.84%
Operating Cash Flow Growth		 0.00% 85.90% -3.65% -36.27% 45.89%
Free Cash Flow Firm Growth		 0.00% 0.00% 12.50% -176.46% 185.78%
Invested Capital Growth		 0.00% 6.01% 4.62% 9.09% 3.31%
Revenue Q/Q Growth		 0.00% 0.00% -1.59% 3.10% 0.85%
EBITDA Q/Q Growth		 0.00% 0.00% -10.25% -5.24% 11.39%
EBIT Q/Q Growth		 0.00% 0.00% -8.91% 4.42% 3.77%
NOPAT Q/Q Growth		 0.00% 0.00% -6.83% -0.53% 4.80%
Net Income Q/Q Growth		 0.00% 0.00% -6.83% -0.53% 4.80%
EPS Q/Q Growth		 0.00% 0.00% -7.14% -4.32% 5.45%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% -17.16% 10.93% 56.88%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 39.01% -21.46%
Invested Capital Q/Q Growth		 0.00% 0.00% 3.45% 0.21% 1.54%
Profitability Metrics		 - - - - -
EBITDA Margin		 32.99% 42.48% 35.95% 15.07% 25.06%
EBIT Margin		 43.39% 46.59% 36.93% 17.16% 28.10%
Profit (Net Income) Margin		 33.43% 36.38% 31.37% 13.71% 22.08%
Tax Burden Percent		 77.04% 77.80% 84.93% 79.92% 78.59%
Interest Burden Percent		 100.00% 100.37% 100.00% 100.00% 100.00%
Effective Tax Rate		 22.96% 22.20% 15.07% 20.08% 21.41%
Return on Invested Capital (ROIC)		 10.38% 11.88% 10.97% 4.08% 6.99%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 11.88% 10.97% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.27% 0.24% 0.00% 0.00%
Return on Equity (ROE)		 0.00% 12.15% 11.21% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 0.00% 6.04% 6.45% -4.61% 3.73%
Operating Return on Assets (OROA)		 1.73% 2.06% 1.72% 0.60% 1.02%
Return on Assets (ROA)		 1.33% 1.61% 1.46% 0.48% 0.80%
Return on Common Equity (ROCE)		 0.00% 12.15% 11.21% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 10.38% 12.06% 10.73% 3.91% 6.87%
Net Operating Profit after Tax (NOPAT)		 22 26 26 10 19
NOPAT Margin		 33.43% 36.38% 31.37% 13.71% 22.08%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 40.61% 42.96% 43.77% 53.89% 51.83%
Operating Expenses to Revenue		 51.22% 52.86% 59.28% 76.00% 64.01%
Earnings before Interest and Taxes (EBIT)		 29 34 30 13 24
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 22 31 30 11 21
Valuation Ratios		 - - - - -
Price to Book Value (P/BV)		 0.00 0.84 0.91 0.83 0.80
Price to Tangible Book Value (P/TBV)		 0.00 0.88 0.95 0.89 0.86
Price to Revenue (P/Rev)		 0.00 2.52 2.66 2.91 2.57
Price to Earnings (P/E)		 0.00 6.93 8.48 21.22 11.65
Dividend Yield		 2.36% 0.00% 3.50% 3.52% 3.67%
Earnings Yield		 0.00% 14.42% 11.79% 4.71% 8.58%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.61 0.28 0.38 0.30
Enterprise Value to Revenue (EV/Rev)		 0.00 1.93 0.83 1.34 0.96
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 4.54 2.30 8.88 3.84
Enterprise Value to EBIT (EV/EBIT)		 0.00 4.14 2.24 7.80 3.43
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 5.30 2.64 9.76 4.36
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 5.85 2.94 6.79 3.78
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 10.42 4.49 0.00 8.16
Leverage & Solvency		 - - - - -
Debt to Equity		 0.00 0.05 0.00 0.00 0.00
Long-Term Debt to Equity		 0.00 0.05 0.00 0.00 0.00
Financial Leverage		 0.00 0.02 0.02 0.00 0.00
Leverage Ratio		 7.79 7.54 7.65 8.48 8.68
Compound Leverage Factor		 7.79 7.57 7.65 8.48 8.68
Debt to Total Capital		 0.00% 4.36% 0.00% 0.00% 0.00%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 4.36% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 100.00% 95.64% 100.00% 100.00% 100.00%
Debt to EBITDA		 0.00 0.32 0.00 0.00 0.00
Net Debt to EBITDA		 0.00 -1.40 0.00 0.00 0.00
Long-Term Debt to EBITDA		 0.00 0.32 0.00 0.00 0.00
Debt to NOPAT		 0.00 0.38 0.00 0.00 0.00
Net Debt to NOPAT		 0.00 -1.64 0.00 0.00 0.00
Long-Term Debt to NOPAT		 0.00 0.38 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - -
Cash Flow Metrics		 - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 13 15 -12 9.94
Operating Cash Flow to CapEx		 1,082.47% 3,951.73% 1,350.00% 965.90% 2,417.32%
Free Cash Flow to Firm to Interest Expense		 0.00 2.25 0.46 -0.21 0.18
Operating Cash Flow to Interest Expense		 1.93 4.00 0.70 0.26 0.39
Operating Cash Flow Less CapEx to Interest Expense		 1.75 3.90 0.65 0.23 0.38
Efficiency Ratios		 - - - - -
Asset Turnover		 0.04 0.04 0.05 0.04 0.04
Fixed Asset Turnover		 5.34 5.99 6.28 4.63 4.86
Capital & Investment Metrics		 - - - - -
Invested Capital		 217 230 240 262 271
Invested Capital Turnover		 0.31 0.33 0.35 0.30 0.32
Increase / (Decrease) in Invested Capital		 0.00 13 11 22 8.67
Enterprise Value (EV)		 0.00 140 68 100 81
Market Capitalization		 0.00 184 219 217 217
Book Value per Share		 $0.00 $35.09 $38.14 $38.26 $40.03
Tangible Book Value per Share		 $0.00 $33.39 $36.51 $35.63 $37.49
Total Capital		 217 230 240 262 271
Total Debt		 0.00 10 0.00 0.00 0.00
Total Long-Term Debt		 0.00 10 0.00 0.00 0.00
Net Debt		 -159 -43 -151 -117 -136
Capital Expenditures (CapEx)		 1.19 0.61 1.71 1.53 0.89
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 10 0.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 -7.00 -2.99 -0.81 -1.56 -2.56
Earnings Adjustments		 - - - - -
Adjusted Basic Earnings per Share		 $0.00 $4.19 $4.10 $1.57 $2.73
Adjusted Weighted Average Basic Shares Outstanding		 0.00 6.26M 6.34M 6.92M 6.79M
Adjusted Diluted Earnings per Share		 $0.00 $4.11 $4.03 $1.55 $2.71
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 6.26M 6.34M 6.92M 6.79M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 6.26M 6.34M 6.92M 6.79M
Normalized Net Operating Profit after Tax (NOPAT)		 22 26 31 16 19
Normalized NOPAT Margin		 33.43% 36.38% 37.20% 22.06% 22.08%
Pre Tax Income Margin		 43.39% 46.76% 36.93% 17.16% 28.10%
Debt Service Ratios		 - - - - -
EBIT to Interest Expense		 4.37 5.65 0.91 0.23 0.43
NOPAT to Interest Expense		 3.37 4.42 0.78 0.18 0.34
EBIT Less CapEx to Interest Expense		 4.19 5.55 0.86 0.20 0.42
NOPAT Less CapEx to Interest Expense		 3.19 4.31 0.73 0.15 0.32
Payout Ratios		 - - - - -
Dividend Payout Ratio		 19.51% 24.37% 28.90% 74.27% 46.56%
Augmented Payout Ratio		 64.13% 59.93% 28.90% 82.49% 88.82%

Quarterly Metrics And Ratios for Princeton Bancorp

This table displays calculated financial ratios and metrics derived from Princeton Bancorp's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 6,287,252.00 6,298,313.00 6,337,105.00 6,319,361.00 6,349,603.00 - 6,915,086.00 6,929,130.00 6,747,923.00 6,762,859.00 6,788,551.00
DEI Adjusted Shares Outstanding		 6,287,252.00 6,298,313.00 6,337,105.00 6,319,361.00 6,349,603.00 - 6,915,086.00 6,929,130.00 6,747,923.00 6,762,859.00 6,788,551.00
DEI Earnings Per Adjusted Shares Outstanding		 1.21 0.84 0.69 0.81 -0.70 - 0.78 0.10 0.96 0.90 0.92
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -1.63% -6.95% -3.34% -33.68% 0.41% 12.62% 20.16% 16.65% 12.32% 3.56% 1.73%
EBITDA Growth		 5.99% -37.16% -25.34% -16.08% -165.19% -10.91% 6.95% -99.23% 225.06% 40.65% 16.41%
EBIT Growth		 0.35% -32.11% -32.35% -14.69% -161.25% 8.65% 27.28% -89.95% 248.42% 12.19% 16.89%
NOPAT Growth		 8.93% -26.34% -28.74% -24.48% -151.41% -1.04% 23.77% -86.58% 265.54% 16.30% 15.82%
Net Income Growth		 8.93% -26.34% -28.74% -24.48% -158.65% -1.04% 23.77% -86.58% 245.11% 16.30% 15.82%
EPS Growth		 9.17% -27.43% -28.42% -25.23% -157.14% -8.54% 13.24% -87.50% 239.71% 18.67% 18.18%
Operating Cash Flow Growth		 -3.02% -61.78% -32.83% -23.35% -83.91% 48.97% -74.08% -27.05% 313.79% 176.53% 316.23%
Free Cash Flow Firm Growth		 0.00% 0.00% 112.25% 95.13% 85.22% -211.60% -161.28% -144.24% 104.10% 84.38% 98.07%
Invested Capital Growth		 0.00% 4.62% -10.37% 6.96% 12.62% 9.09% 10.41% 11.07% 1.95% 3.31% 2.48%
Revenue Q/Q Growth		 -29.89% -6.80% -2.00% 3.57% 6.15% 4.53% 4.56% 0.54% 2.21% -3.62% 2.70%
EBITDA Q/Q Growth		 28.02% -36.18% 3.68% -0.93% -199.45% 187.21% 18.95% -99.29% 16,082.22% 2.64% -1.55%
EBIT Q/Q Growth		 31.10% -31.09% -13.81% 9.55% -194.13% 222.24% -2.41% -91.35% 1,289.60% -4.41% 1.68%
NOPAT Q/Q Growth		 11.93% -30.48% -17.74% 17.97% -176.20% 233.82% 2.89% -87.21% 839.83% -5.99% 2.47%
Net Income Q/Q Growth		 11.93% -30.48% -17.74% 17.97% -186.93% 217.30% 2.89% -87.21% 839.83% -5.99% 2.47%
EPS Q/Q Growth		 11.22% -31.09% -17.07% 17.65% -185.00% 210.29% 2.67% -87.01% 850.00% -6.32% 2.25%
Operating Cash Flow Q/Q Growth		 30.70% -59.65% 62.91% -10.77% -72.56% 273.43% -71.66% 151.16% 55.67% 149.56% -57.34%
Free Cash Flow Firm Q/Q Growth		 -1.13% 97.63% 706.42% -133.48% -206.95% 49.99% -19.27% -33.41% 105.15% -290.52% 85.23%
Invested Capital Q/Q Growth		 1.45% 3.45% 0.66% 1.25% 6.80% 0.21% 1.89% 1.86% -1.96% 1.54% 1.07%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 46.80% 32.04% 33.90% 32.43% -30.38% 25.35% 30.18% 0.21% 33.83% 36.02% 34.53%
EBIT Margin		 47.73% 35.29% 31.04% 32.83% -29.12% 34.05% 32.88% 2.83% 38.47% 38.16% 37.78%
Profit (Net Income) Margin		 39.81% 29.69% 24.92% 28.39% -23.25% 26.09% 25.67% 3.27% 30.04% 29.30% 29.23%
Tax Burden Percent		 83.40% 84.14% 80.30% 83.16% 79.86% 76.63% 78.09% 115.44% 78.07% 76.78% 77.38%
Interest Burden Percent		 100.00% 100.00% 100.00% 103.98% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 16.60% 15.86% 19.70% 16.84% 0.00% 23.37% 21.91% -15.44% 21.93% 23.22% 22.62%
Return on Invested Capital (ROIC)		 28.62% 10.38% 7.94% 8.67% -5.98% 7.76% 7.89% 1.03% 9.51% 9.27% 9.15%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 10.38% 7.94% 0.00% 0.00% 0.00% 0.00% 1.03% 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.23% 0.76% 0.00% 0.00% 0.00% 0.00% 0.02% 0.00% 0.00% 0.00%
Return on Equity (ROE)		 0.00% 10.61% 8.70% 0.00% 0.00% 0.00% 0.00% 1.05% 0.00% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 0.00% 6.45% 20.32% 2.71% -7.70% -4.61% -5.47% -7.84% 4.79% 3.73% 4.75%
Operating Return on Assets (OROA)		 2.08% 1.65% 1.42% 1.24% -0.99% 1.19% 1.19% 0.11% 1.40% 1.39% 1.40%
Return on Assets (ROA)		 1.74% 1.39% 1.14% 1.07% -0.79% 0.92% 0.93% 0.13% 1.10% 1.07% 1.08%
Return on Common Equity (ROCE)		 0.00% 10.61% 8.70% 0.00% 0.00% 0.00% 0.00% 1.05% 0.00% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 11.91% 0.00% 9.93% 9.13% 3.94% 0.00% 4.22% 2.61% 6.66% 0.00% 7.11%
Net Operating Profit after Tax (NOPAT)		 7.60 5.28 4.35 5.13 -3.91 5.23 5.38 0.69 6.47 6.08 6.23
NOPAT Margin		 39.81% 29.69% 24.92% 28.39% -20.38% 26.09% 25.67% 3.27% 30.04% 29.30% 29.23%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 50.82% 51.59% 56.51% 54.57% 53.64% 51.25% 53.73% 51.92% 51.84% 49.80% 52.65%
Operating Expenses to Revenue		 53.22% 61.55% 67.89% 66.51% 105.11% 63.76% 65.84% 64.14% 64.65% 61.35% 62.95%
Earnings before Interest and Taxes (EBIT)		 9.11 6.28 5.41 5.93 -5.58 6.82 6.89 0.60 8.28 7.92 8.05
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 8.93 5.70 5.91 5.86 -5.82 5.08 6.32 0.05 7.28 7.47 7.36
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.76 0.91 0.77 0.82 0.86 0.83 0.69 0.74 0.75 0.80 0.78
Price to Tangible Book Value (P/TBV)		 0.80 0.95 0.81 0.86 0.92 0.89 0.74 0.79 0.81 0.86 0.83
Price to Revenue (P/Rev)		 2.11 2.66 2.30 2.78 3.10 2.91 2.37 2.37 2.40 2.57 2.52
Price to Earnings (P/E)		 6.38 8.48 7.80 9.11 22.33 21.22 16.43 27.24 11.15 11.65 10.95
Dividend Yield		 3.25% 3.50% 4.08% 3.79% 3.40% 3.52% 4.13% 3.97% 3.81% 3.67% 3.89%
Earnings Yield		 15.67% 11.79% 12.82% 10.97% 4.48% 4.71% 6.08% 3.67% 8.97% 8.58% 9.13%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.28 0.06 0.21 0.17 0.38 0.44 0.67 0.48 0.30 0.34
Enterprise Value to Revenue (EV/Rev)		 0.00 0.83 0.19 0.69 0.60 1.34 1.50 2.24 1.53 0.96 1.10
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 2.30 0.56 1.90 3.74 8.88 10.08 31.00 6.74 3.84 4.21
Enterprise Value to EBIT (EV/EBIT)		 0.00 2.24 0.55 1.88 3.62 7.80 8.23 20.27 5.60 3.43 3.75
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 2.64 0.64 2.25 4.23 9.76 10.43 26.56 7.20 4.36 4.79
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 2.94 0.74 2.58 3.28 6.79 10.55 18.18 9.33 3.78 3.67
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 4.49 0.29 7.83 0.00 0.00 0.00 0.00 10.10 8.16 7.26
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.04 0.00 0.00 0.00
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.04 0.00 0.00 0.00
Financial Leverage		 0.00 0.02 0.10 0.00 0.00 0.00 0.00 0.02 0.00 0.00 0.00
Leverage Ratio		 8.24 7.65 7.65 8.08 8.64 8.48 8.46 8.34 8.68 8.68 8.46
Compound Leverage Factor		 8.24 7.65 7.65 8.40 8.64 8.48 8.46 8.34 8.68 8.68 8.46
Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 3.68% 0.00% 0.00% 0.00%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 3.68% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 96.32% 100.00% 100.00% 100.00%
Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.71 0.00 0.00 0.00
Net Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -1.89 0.00 0.00 0.00
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.71 0.00 0.00 0.00
Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.46 0.00 0.00 0.00
Net Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -1.62 0.00 0.00 0.00
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.46 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -225 -5.33 32 -11 -33 -17 -20 -26 1.36 -2.59 -0.38
Operating Cash Flow to CapEx		 2,092.31% 1,014.73% 6,798.59% 1,148.53% 284.13% 665.76% 625.50% 1,251.79% 2,090.17% 5,983.33% 1,900.37%
Free Cash Flow to Firm to Interest Expense		 -21.77 -0.46 2.56 -0.80 -2.26 -1.06 -1.36 -1.89 0.10 -0.20 -0.03
Operating Cash Flow to Interest Expense		 0.71 0.26 0.38 0.32 0.08 0.28 0.09 0.23 0.37 0.93 0.43
Operating Cash Flow Less CapEx to Interest Expense		 0.68 0.23 0.38 0.29 0.05 0.24 0.07 0.21 0.35 0.91 0.40
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.05 0.05 0.04 0.03 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 5.73 6.28 6.33 5.04 4.51 4.63 4.94 5.17 4.81 4.86 4.94
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 232 240 242 245 262 262 267 272 267 271 274
Invested Capital Turnover		 0.72 0.35 0.32 0.31 0.29 0.30 0.31 0.31 0.32 0.32 0.31
Increase / (Decrease) in Invested Capital		 232 11 -28 16 29 22 25 27 5.11 8.67 6.61
Enterprise Value (EV)		 -30 68 15 50 44 100 118 182 128 81 93
Market Capitalization		 176 219 187 202 225 217 185 193 201 217 213
Book Value per Share		 $36.93 $38.14 $38.16 $38.74 $41.18 $38.26 $38.61 $37.80 $39.51 $40.03 $40.30
Tangible Book Value per Share		 $35.28 $36.51 $36.56 $37.16 $38.31 $35.63 $36.04 $35.27 $36.94 $37.49 $37.80
Total Capital		 232 240 242 245 262 262 267 272 267 271 274
Total Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10 0.00 0.00 0.00
Total Long-Term Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10 0.00 0.00 0.00
Net Debt		 -207 -151 -172 -151 -181 -117 -68 -11 -73 -136 -120
Capital Expenditures (CapEx)		 0.35 0.29 0.07 0.38 0.42 0.66 0.20 0.25 0.23 0.20 0.27
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.55 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10 0.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 -0.18 -0.58 0.50 -0.07 -0.24 -1.74 -0.57 -0.55 -1.00 -0.44 -0.69
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.21 $0.84 $0.69 $0.81 ($0.68) $0.75 $0.78 $0.10 $0.95 $0.90 $0.92
Adjusted Weighted Average Basic Shares Outstanding		 6.30M 6.34M 6.32M 6.35M 6.85M 6.92M 6.93M 6.75M 6.76M 6.79M 6.81M
Adjusted Diluted Earnings per Share		 $1.19 $0.82 $0.68 $0.80 ($0.68) $0.75 $0.77 $0.10 $0.95 $0.89 $0.91
Adjusted Weighted Average Diluted Shares Outstanding		 6.30M 6.34M 6.32M 6.35M 6.85M 6.92M 6.93M 6.75M 6.76M 6.79M 6.81M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 6.30M 6.34M 6.32M 6.35M 6.85M 6.92M 6.93M 6.75M 6.76M 6.79M 6.81M
Normalized Net Operating Profit after Tax (NOPAT)		 6.44 5.28 4.35 5.13 1.56 5.23 5.38 0.42 6.47 6.08 6.23
Normalized NOPAT Margin		 33.73% 29.69% 24.92% 28.39% 8.12% 26.09% 25.67% 1.98% 30.04% 29.30% 29.23%
Pre Tax Income Margin		 47.73% 35.29% 31.04% 34.14% -29.12% 34.05% 32.88% 2.83% 38.47% 38.16% 37.78%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.88 0.54 0.43 0.44 -0.38 0.44 0.47 0.04 0.63 0.60 0.66
NOPAT to Interest Expense		 0.74 0.46 0.34 0.38 -0.27 0.33 0.37 0.05 0.49 0.46 0.51
EBIT Less CapEx to Interest Expense		 0.85 0.52 0.42 0.41 -0.41 0.39 0.46 0.02 0.61 0.59 0.64
NOPAT Less CapEx to Interest Expense		 0.70 0.43 0.34 0.35 -0.29 0.29 0.36 0.03 0.47 0.45 0.49
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 25.54% 28.90% 30.97% 33.38% 73.39% 74.27% 69.47% 117.33% 46.56% 46.56% 46.57%
Augmented Payout Ratio		 26.48% 28.90% 33.38% 37.15% 81.57% 82.49% 73.25% 199.87% 89.13% 88.82% 86.42%

Financials Breakdown Chart

Key Financial Trends

Princeton Bancorp (NASDAQ: BPRN) is still profitable, but its latest quarter shows a bank managing through softer balance-sheet trends and higher funding pressure. In Q1 2026, the company earned $6.2 million, or $0.92 per share, and produced $5.2 million of operating cash flow. That said, deposits declined sharply, cash fell, and the loan-loss provision moved back into negative territory, which suggests a more cautious operating backdrop than the headline earnings alone might imply.

Over the last four years, the biggest story has been a cyclical rebound in earnings after a difficult 2024. Princeton Bancorp went from a loss in Q3 2024, when restructuring charges pushed the quarter to a $4.5 million loss, to a steady string of profitable quarters in late 2024 and 2025. By Q1 2026, earnings remained solid, but the business appears to be prioritizing stability over aggressive growth.

  • Q1 2026 net income rose to $6.2 million, up slightly from $6.1 million in Q4 2025, showing continued profitability.
  • Net interest income improved quarter over quarter to $18.9 million in Q1 2026 from $18.6 million in Q4 2025.
  • Non-interest income increased to $2.5 million, helped by service charges and other fee income.
  • Operating cash flow remained healthy at $5.2 million in Q1 2026.
  • The company continued to reduce share count modestly, with weighted average basic shares of 6.81 million versus 6.93 million in Q1 2025.
  • The bank still carries a low long-term debt balance, with no long-term debt reported in Q1 2026.
  • Total assets were relatively stable at $2.25 billion in Q1 2026, down slightly from $2.24 billion in Q4 2025 and up modestly year over year.
  • Book equity improved to $273.6 million in Q1 2026 from $266.6 million in Q3 2025, though it remains below early 2024 levels.
  • The allowance for loan and lease losses stood at $20.0 million in Q1 2026, roughly in line with recent periods.
  • Deposits fell by $33.5 million in Q1 2026, reversing the stronger deposit growth seen in prior periods and pressuring funding stability.
  • Cash and equivalents declined to $16.9 million in Q1 2026 from $19.6 million in Q2 2025 and much higher liquidity levels earlier in 2025.
  • Provision for credit losses was negative $156,000 in Q1 2026, but credit costs remain uneven quarter to quarter and had spiked to $6.96 million in Q2 2025.
  • Interest-bearing deposits remain the main funding source, which leaves profitability sensitive to deposit pricing and funding costs.
  • The bank’s efficiency appears pressured by relatively high non-interest expenses, which were $13.4 million in Q1 2026.

Looking at the bigger trend, Princeton Bancorp’s 2025 performance was an improvement from the volatile 2024 period. Core earnings recovered after the Q3 2024 loss tied to restructuring charges, and the company returned to consistent profitability. However, revenue growth has been modest, and quarter-to-quarter results still depend heavily on deposit trends, funding costs, and credit provisioning.

For investors, the key takeaway is that BPRN looks stable and profitable, but not especially fast-growing. The latest quarter supports the idea of a bank with decent earnings power and manageable credit metrics, yet the decline in deposits and cash suggests investors should keep an eye on liquidity, net interest margin pressure, and whether the company can sustain earnings without leaning too heavily on balance-sheet shrinkage or one-off items.

07/09/26 02:26 PM ETAI Generated. May Contain Errors.

Princeton Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Princeton Bancorp's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Princeton Bancorp's net income appears to be on a downward trend, with a most recent value of $18.61 million in 2025, falling from $22.49 million in 2021. The previous period was $10.24 million in 2024. View Princeton Bancorp's forecast to see where analysts expect Princeton Bancorp to go next.

Over the last 4 years, Princeton Bancorp's total revenue changed from $67.27 million in 2021 to $84.28 million in 2025, a change of 25.3%.

Princeton Bancorp's total liabilities were at $2.01 billion at the end of 2025, a 3.1% decrease from 2024, and a 36.9% increase since 2021.

In the past 4 years, Princeton Bancorp's cash and equivalents has ranged from $9.41 million in 2021 to $17.16 million in 2023, and is currently $17.04 million as of their latest financial filing in 2025.

Over the last 4 years, Princeton Bancorp's book value per share changed from 0.00 in 2021 to 40.03 in 2025, a change of 4,002.9%.


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Financial statements for NASDAQ:BPRN last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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Why Some Traders Skip Stocks Entirely You don't need a big account to trade options. In fact, options ca...
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