Princeton Bancorp Inc. Common Stock (PA) (BPRN)

FairStock Score: 51/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at Princeton Bancorp as a small, plain-vanilla bank holding company. Its earnings record is uneven. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $7.1 million and diluted EPS was $1.04. In fiscal Q1 2026, the quarter ended 2026-03-31, net income was $6.2 million and diluted EPS $0.91. In fiscal Q3 2025, the quarter ended 2025-09-30, net income was $6.5 million and diluted EPS $0.95. That compares with fiscal Q2 2025, the quarter ended 2025-06-30, when net income was only $688,000 and diluted EPS $0.10. On an annual basis, fiscal year 2025 ended 2025-12-31 earned $18.6 million, or $2.71 per diluted share; fiscal year 2024 ended 2024-12-31 earned $10.2 million, or $1.55; and fiscal year 2023 ended 2023-12-31 earned $25.8 million, or $4.03. So the bank is recovering, but it has not returned to its earlier profit peak. FairStock's Lynch category calls it a SLOW GROWER — Shrinking: profit -4.6% a year over four years. At the 2026-10-13 close of $43.37, FairStock calculations show a P/E of 11.44, P/B of 1.06, ROE of 9.54%, dividend yield of 3.23%, Piotroski F-Score of 5/9, PEG of 0.72, and FairStock Score of 51/100. A P/B near 1.06 is not demanding, but a 9.54% ROE is only moderate. Credit quality is the critical unknown. The data does not include CET1, net interest margin, efficiency ratio, nonperforming loans, reserves, or charge-offs. For a bank, those are essential. I see a modestly valued, low-beta, dividend-paying institution with improving recent quarters, but the uneven long-term record and missing credit data keep me cautious.

In plain English: Princeton Bancorp is a small regional bank holding company: it takes deposits and makes loans, mostly to individuals and businesses. The business looks only moderate, because profits have been uneven over the years and recent results are better than a very weak quarter a year ago. At $43.37 on 2026-10-13, the stock is near its 52-week high and trades close to the value of its net assets, so the price looks fair rather than clearly cheap or expensive.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer