Princeton Bancorp, Inc.
NASDAQ•BPRN
CEO: Mr. Edward J. Dietzler
セクター: Financial Services
業種: Banks - Regional
上場日: 2017-05-31
Princeton Bancorp, Inc. operates as the bank holding company for The Bank of Princeton that 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 traditional retail banking services, one-to-four-family residential mortgage loans, multi-family and commercial mortgage loans, construction loans, and commercial business loans, as well as consumer loans, including home equity loans and lines of credit. In addition, it provides debit and credit cards, and money orders, direct deposit, automated teller machines, cashier's checks, safe deposit boxes, online banking, wire transfers, night depository, remote deposit capture, 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, mobile banking, transaction histories and details, and account-to-account transfer services. Princeton Bancorp, Inc. was founded in 2007 and is headquartered in Princeton, New Jersey.
連絡先情報
時価総額
$225.98M
PER (TTM)
12.1
14.2
配当利回り
3.9%
52週高値
$37.99
52週安値
$27.25
52週レンジ
順位43Top 50.7%
3.8
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 3.8 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025
財務ダッシュボード
Q4 2025 データ
売上高
$33.88M-5.08%
直近4四半期の推移
EPS
$0.90+18.42%
直近4四半期の推移
フリーCF
$11.56M+0.00%
直近4四半期の推移
2025 Annual 決算ハイライト
主なハイライト
Net Income Significantly Increased Net income reached $18.6M, an 82% increase from $10.2M in 2024, aided by lower acquisition-related expenses.
Net Interest Margin Expansion Net Interest Margin improved 20 basis points to 3.58% for 2025, driven by a 14.0% increase in Net Interest Income to $75.8M.
Asset Quality Shows Strength Nonperforming assets decreased $10.6M to $16.6M by year-end 2025, while the Allowance for Credit Losses declined to $20.3M.
Capital Adequacy Remains Strong Common Equity Tier 1 ratio strengthened to 12.95% (fully phased-in), supporting total stockholders' equity growth of 3.31%.
リスク要因
High CRE Loan Concentration Commercial Real Estate concentration remains high at 73.9% of total loans ($1.34B), exposing portfolio to local market downturns.
Interest Rate Sensitivity Gap Significant negative interest rate sensitivity gap in short-term buckets suggests potential NIM pressure if funding costs rise faster than asset yields.
Reliance on Third-Party Infrastructure Heavy reliance on third-party systems for core operations creates operational disruption risk from cyber-attacks or service failures.
Regulatory Compliance Costs The institution faces ongoing scrutiny and evolving regulatory requirements, potentially increasing compliance costs and limiting operational flexibility.
見通し
Credit Quality Focus Maintained The company maintains selectivity in new loan originations, prioritizing asset quality over aggressive loan portfolio expansion.
Deposit Growth Strategy Focus remains on growing core deposits to fund loan growth, following a significant $26.0M decrease in brokered deposits.
Technology Investment Required Future capital investment is necessary to successfully develop and maintain technologically competitive electronic banking services.
Managing Growth Strategy Long-term profitability relies on successfully executing the growth strategy, including integrating acquisitions and maintaining cost-efficient deposits.
同業比較
売上高 (TTM)
$183.79M
$166.66M
$153.49M
粗利益率 (最新四半期)
91.8%
75.9%
72.6%
主要指標
銘柄コード | 時価総額 | PER (TTM) | ROE (TTM) | 負債比率 |
|---|---|---|---|---|
| FVCB | $266.97M | 12.1 | 8.9% | 0.8% |
| ISTR | $266.20M | 11.6 | 8.3% | 5.4% |
| FSFG | $238.37M | 10.1 | 12.6% | 19.3% |
長期トレンド
直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
-1.5%
横ばい
4四半期純利益CAGR
4.2%
収益性の緩やかな改善
キャッシュフロー安定性
100%
優れたキャッシュフローの実績
深度リサーチ
次回決算:2026年4月23日
EPS:$0.84
|売上高:$19.96M
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書 | 直近12ヶ月 |
|---|
データなし