Stocks · Financial Services · Banks - Regional
Princeton Bancorp Inc. BPRN
$43.72 +1.30% Close, Oct 2, 2026 · NASDAQ · Market cap $297.8M
Strong trend
Next earnings report: Nov 4, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $3.80, up 304.3% year over year.
- Operating margin widened to 24.6% from 6.2% a year earlier.
- The stock is in an uptrend: above its 200-day average for 137 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth79Positive
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 21%
- EPS growth (TTM, YoY)Top 3%
- FCF growth (TTM, YoY)Top 10%
- Revenue growth, 3-year CAGRTop 29%
- Revenue growth accelerationBottom 30%
Quality48Neutral
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 47%
- Gross marginBottom 48%
- Operating marginTop 41%
- Cash conversion (OCF / net income)Bottom 36%
- Accruals (lower is better)Bottom 32%
- Net debt / EBITDA (lower is better)Top 14%
- Interest coverBottom 35%
Value79Positive
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 28%
- Free-cash-flow yieldTop 48%
- EBITDA / enterprise valueTop 14%
- Sales / enterprise valueTop 25%
- P/E vs own 5-year history (lower is better)Bottom 41%
Momentum97Exceptional
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 16%
- 6-month returnTop 14%
- 1-year return vs S&P 500Top 13%
- Distance from 52-week highTop 10%
- Trend checklist (0–4)Top 11%
Revisions35Weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 47%
- Consecutive EPS beatsTop 42%
- Share of analysts rating BuyTop 47%
- Upside to consensus price targetBottom 1%
Stability62Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 40%
- Maximum drawdown, 3 yearsBottom 48%
- Beta vs S&P 500 (lower is better)Top 47%
- Net debt / EBITDA (lower is better)Top 14%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 0.4% | -2.8% | ↓ |
| EPS growth (YoY) | 74.4% | 304.3% | ↑ |
| Gross margin | 49.2% | 64.0% | ↑ |
| Operating margin | 6.2% | 24.6% | ↑ |
| FCF margin | 6.0% | 18.0% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -2.8% | 0.4% | ↓ | Bottom 21% |
| EPS growth (TTM, YoY) | 304.3% | 74.4% | ↑ | Top 3% |
| Gross margin | 64.0% | 49.2% | ↑ | Bottom 48% |
| Operating margin | 24.6% | 6.2% | ↑ | Top 41% |
| Net margin | 19.0% | 4.9% | ↑ | — |
| Free-cash-flow margin | 18.0% | 6.0% | ↑ | — |
| Return on invested capital | 1.1% | — | Bottom 47% | |
| Revenue growth, 3-year CAGR | 20.8% | — | Top 29% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.96×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +22418.0 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -1.27×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.06%
- Net buyback yield (TTM)
- 0.85%
- Shareholder yield
- 3.91%
- Share count change, 1 year
- -1.6%
- Share count change, 3-year CAGR
- +2.3%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- +5.4%
- Average 2-day reaction, last 8
- -0.0%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $34.00
- Target vs current price
- -22.2%
- Analysts with a rating
- 6
- Share rating Buy or Strong Buy
- 50%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +17.6% | +0.7% | +10.2% | +11.6% | — |
| Apr 23, 2026 | +7.1% | +0.6% | +1.7% | -0.7% | +8.9% |
| Jan 29, 2026 | -4.3% | +1.7% | +1.7% | -3.9% | -3.5% |
| Oct 29, 2025 | +1.1% | +0.3% | +5.3% | +10.6% | +19.0% |
| Jul 24, 2025 | +600.0% | -3.0% | -6.2% | +2.0% | -8.5% |
| Apr 24, 2025 | +1.3% | -0.5% | +4.3% | +7.7% | +10.1% |
| Jan 28, 2025 | -12.8% | +0.4% | -5.2% | -3.8% | -12.1% |
| Oct 29, 2024 | +0.0% | -0.4% | -0.3% | +2.5% | -8.4% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $1.04 | $0.88 | +17.6% | $22.5M |
| Apr 23, 2026 | $0.91 | $0.85 | +7.1% | $21.3M |
| Jan 29, 2026 | $0.90 | $0.94 | -4.3% | $20.7M |
| Oct 29, 2025 | $0.95 | $0.94 | +1.1% | $21.5M |
| Jul 24, 2025 | $0.10 | -$0.02 | +600.0% | $21.1M |
| Apr 24, 2025 | $0.77 | $0.76 | +1.3% | $20.9M |
| Jan 28, 2025 | $0.75 | $0.86 | -12.8% | $20.0M |
| Oct 29, 2024 | $0.63 | $0.63 | +0.0% | $19.2M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.5× | 10.0× | 67th | Top 28% |
| P/E (forward) | 11.4× | — | — | — |
| EV / EBITDA | 7.0× | — | — | Top 14% |
| EV / Sales | 1.85× | — | — | Top 25% |
| Free-cash-flow yield | 8.22% | — | — | Top 48% |
| Earnings yield | 8.69% | — | — | Top 28% |
P/E over the past five years
Range 5.9× – 34.0× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +39.2%
- Earnings per share growth (TTM)
- +304.3%
- Change in P/E multiple
- -67.4%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 81
- Days above the 200-day average
- 137
- 50-day average slope (20 days)
- +5.1%
- 200-day average slope (20 days)
- +2.6%
- Distance from 50-day average
- +2.4%
- Distance from 200-day average
- +16.7%
- RSI (14)
- 57.0
- Relative volume
- 1.02×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 23.2%
- Volatility vs own 5-year history
- 39th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.68
- Correlation with S&P 500
- 0.38
- Current drawdown from 1-year high
- -0.4%
- Maximum drawdown, 3 years
- -29.2%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 13, 2023 | May 15, 2023 | -35.2% | 63 days | 149 days (Dec 15, 2023) |
| Jul 31, 2024 | Apr 11, 2025 | -29.2% | 175 days | 315 days (Jul 16, 2026) |
| Dec 15, 2023 | Apr 30, 2024 | -22.5% | 92 days | 59 days (Jul 25, 2024) |
| Feb 1, 2022 | Jun 16, 2022 | -16.8% | 94 days | 106 days (Nov 16, 2022) |
| Nov 10, 2020 | Jan 27, 2021 | -16.2% | 52 days | 8 days (Feb 8, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $297.8M
- P/E (TTM)
- 11.5
- EPS, diluted (TTM)
- $3.80
- Revenue (TTM)
- $136.1M
- Dividend yield
- 3.20%
- 52-week range
- $29.70 – $44.50
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $73.9M | $78.9M | $105.4M | $131.1M | $139.0M |
| Gross profit | $63.6M | $72.5M | $69.1M | $69.6M | $77.6M |
| Operating income | $29.2M | $34.1M | $30.3M | $12.8M | $23.7M |
| Net income | $22.5M | $26.5M | $25.8M | $10.2M | $18.6M |
| EPS (diluted) | $3.30 | $4.11 | $4.03 | $1.55 | $2.71 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $33.9M | $35.7M | $35.5M | $35.0M | $34.7M | $33.9M | $33.5M | $34.1M |
| Net income | -$4.5M | $5.2M | $5.4M | $688,000 | $6.5M | $6.1M | $6.2M | $7.1M |
| EPS (diluted) | -$0.68 | $0.75 | $0.77 | $0.10 | $0.95 | $0.90 | $0.91 | $1.04 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $12.9M | $24.0M | $23.1M | $14.7M | $21.5M |
| Capital expenditure | -$1.2M | -$607,000 | -$1.7M | -$1.5M | -$889,000 |
| Free cash flow | $11.7M | $23.4M | $21.4M | $13.2M | $20.6M |
| Dividends paid | -$4.4M | -$6.5M | -$7.4M | -$7.6M | -$8.7M |
| Net share buybacks | -$10.0M | -$9.4M | $989,000 | -$842,000 | -$6.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $327.8M
- Total assets
- $2.25B
- Total liabilities
- $1.97B
- Total debt
- $20.5M
- Net debt
- -$45.7M
- Shareholders’ equity
- $279.9M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 5, 2026 | $0.35 | Aug 28, 2026 |
| May 5, 2026 | $0.35 | May 28, 2026 |
| Feb 4, 2026 | $0.35 | Feb 27, 2026 |
| Nov 7, 2025 | $0.35 | Nov 26, 2025 |
| Aug 6, 2025 | $0.30 | Aug 29, 2025 |
| May 6, 2025 | $0.30 | May 29, 2025 |
| Feb 5, 2025 | $0.30 | Feb 28, 2025 |
| Nov 5, 2024 | $0.30 | Nov 28, 2024 |
Short interest
- Shares sold short
- 73,783
- Days to cover
- 2.91
- Change vs previous report
- +27.4%
FINRA short interest, settlement date Sep 15, 2026.