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Princeton Bancorp, Inc.

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
183 Bayard Lane, Princeton, NJ, 08540, United States
609-921-1700
www.thebankofprinceton.com
時価総額
$241.64M
PER (TTM)
13.0
15
配当利回り
3.6%
52週高値
$37.99
52週安値
$27.25
52週レンジ
79%
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

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Strong Net Income Turnaround Q3 2025 net income reached $6.5M, reversing Q3 2024 loss of ($4.5M); 9M net income rose to $12.5M.
Net Interest Margin Expansion Q3 NIM improved 36 basis points to 3.77% driven by higher loan yields and lower funding costs year-over-year.
Improved Asset Quality Metrics Non-performing assets decreased $10.1M from year-end to $16.7M; ACL reversed $672K in Q3 2025.
Solid Capital Adequacy Maintained CET1 ratio stood at 12.73%, significantly exceeding the 6.50% minimum requirement for prompt corrective action.

リスク要因

Economic Uncertainty Persists Inflationary pressures and geopolitical conflicts create economic uncertainty, potentially impacting loan demand and credit quality negatively.
Deposit Base Contraction Total deposits fell $104.0M since year-end 2024, primarily driven by decreases in CDs and money market accounts.
Interest Rate Risk Exposure Management monitors NPV sensitivity across rate shocks; sustained rate changes could adversely affect net interest income.
Loan Portfolio Concentration CRE loans comprise 75.3% of net loans ($1.35B), concentrating credit exposure in regional real estate markets.

見通し

Managing Liquidity Position Liquidity remains strong; Company maintains significant borrowing capacity via FHLB ($542.0M available) and ACBB lines.
Goodwill Not Impaired Quantitative goodwill test for May 2025 indicated fair value exceeds carrying value; no impairment recognized currently.
Future Tax Disclosure Changes Adoption of ASU 2023-09 enhances tax disclosures starting in the 2025 annual report; no impact on current results.
Continued Dividend Payout Board declared $0.35 per share cash dividend in October 2025, payable in November 2025, showing confidence.

同業比較

売上高 (TTM)

C&F Financial CorporationCFFI
$183.79M
+10.1%
OP BancorpOPBK
$166.66M
+8.2%
Investar Holding CorporationISTR
$153.49M
-1.9%

粗利益率 (最新四半期)

Chain Bridge Bancorp, Inc.CBNA
91.8%
+0.4pp
First National CorporationFXNC
75.9%
+17.4pp
LCNB Corp.LCNB
72.6%
+10.6pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
ISTR$293.95M12.88.3%5.4%
FVCB$284.86M12.98.9%0.8%
FXNC$254.20M14.410.0%2.1%

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
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月23日
|
EPS:$0.85
|
売上高:$19.96M
財務レポート
財務データ
全年度
  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月7日|
    売上高: $34.65M+2.3%
    |
    EPS: $0.95-239.7%
    予想を上回る
  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月8日|
    売上高: $35.01M+11.1%
    |
    EPS: $0.10-87.7%
    予想を上回る
  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月9日|
    売上高: $35.46M+18.0%
    |
    EPS: $0.78+13.0%
    予想通り
  • Form 10-K/A - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年4月15日|
    売上高: $131.10M+24.4%
    |
    EPS: $1.57-61.7%
    予想を上回る
  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月14日|修正版データを参照
  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月14日|
    売上高: $33.87M+15.2%
    |
    EPS: $-0.68-156.2%
    予想を下回る
  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月12日|
    売上高: $31.50M+26.6%
    |
    EPS: $0.81-25.0%
    予想を上回る
  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月14日|
    売上高: $30.05M+36.7%
    |
    EPS: $0.69-28.9%
    予想を上回る