NASDAQ : BPRN
Princeton Bancorp, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 43.1 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 293.68M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 113.99M | 117.77M | 108.59M | 89.28M | 71.00M | 67.35M |
| Interest Income on Investments | 12.48M | 12.78M | 14.36M | 8.90M | 3.09M | 1.93M |
| Total Interest Income | 126.47M | 130.55M | 122.95M | 98.18M | 74.08M | 69.28M |
| Interest Paid on Deposits | 48.93M | 54.68M | 56.41M | 33.05M | 6.00M | 6.67M |
| Interest Paid on Borrowings | 58.00K | 118.00K | 5.00K | 1.00K | ||
| Total Interest Expense | 48.93M | 54.74M | 56.41M | 33.16M | 6.00M | 6.67M |
| Net Interest Income | 77.54M | 75.82M | 66.53M | 65.02M | 68.08M | 62.60M |
| Gain (Loss) on Sale of Investments | -7.00K | 39.00K | 2.00K | 7.00K | ||
| Other Non-Interest Income | 9.46M | 8.47M | 8.16M | 7.18M | 4.86M | 4.66M |
| Total Non-Interest Income | 9.46M | 8.47M | 8.15M | 7.42M | 4.86M | 4.67M |
| Revenues Before Loan Losses | 87.00M | 84.28M | 74.69M | 72.44M | 72.94M | 67.27M |
| Provision for Loan Losses | 7.23M | 6.65M | 5.11M | 3.11M | 400.00K | 3.62M |
| Revenue | 79.77M | 77.63M | 69.58M | 69.33M | 72.55M | 63.64M |
| Salaries and Employee Benefits | 26.45M | 26.98M | 25.33M | 22.81M | 19.96M | 17.15M |
| Occupancy Expenses | 5.82M | 4.55M | 3.99M | 3.16M | 3.06M | 3.02M |
| Federal Deposit Insurance | 1.12M | 1.59M | 1.15M | 891.00K | 1.01M | 792.00K |
| Amortization of Goodwill & Intangibles | 754.00K | 856.00K | 602.00K | 502.00K | 569.00K | 643.00K |
| Selling, General & Administrative | 15.64M | 16.07M | 14.13M | 12.55M | 10.97M | 9.80M |
| Other Non-Interest Expense | 3.06M | 3.41M | 3.44M | 2.91M | 2.65M | 2.74M |
| Total Non-Interest Expense | 53.33M | 53.95M | 48.96M | 43.06M | 38.49M | 34.45M |
| EBT Excluding Unusual Items | 26.44M | 23.68M | 20.62M | 26.27M | 34.05M | 29.19M |
| Other Unusual Items | 9.70M | |||||
| Pretax Income | 26.44M | 23.68M | 12.82M | 30.34M | 34.05M | 29.19M |
| Income Tax Expense | 6.03M | 5.07M | 2.57M | 4.57M | 7.56M | 6.70M |
| Net Income | 20.41M | 18.61M | 10.24M | 25.77M | 26.49M | 22.49M |
| Net Income to Common | 20.41M | 18.61M | 10.24M | 25.77M | 26.49M | 22.49M |
| Basic Shares Outstanding | 6.79M | 6.83M | 6.53M | 6.28M | 6.32M | 6.67M |
| Diluted Shares Outstanding | 6.81M | 6.86M | 6.62M | 6.39M | 6.45M | 6.81M |
| EPS (Basic) | 3.00 | 2.73 | 1.57 | 4.10 | 4.19 | 3.37 |
| EPS (Diluted) | 2.99 | 2.71 | 1.55 | 4.03 | 4.11 | 3.30 |
| Dividend Per Share | 0.35 | 1.25 | 1.20 | 1.20 | 1.00 | 0.66 |
| Effective Tax Rate | 22.80% | 21.41% | 20.08% | 15.07% | 22.20% | 22.96% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 57.82M | 135.69M | 117.35M | 150.56M | 53.35M | 158.72M |
| Investment Securities | 243.34M | 55.08M | 56.79M | 48.91M | 48.69M | 56.51M |
| Mortgage-Backed Securities | 127.65M | 190.54M | 42.63M | 34.91M | 44.86M | |
| Total Investments | 243.34M | 182.72M | 247.33M | 91.55M | 83.60M | 101.37M |
| Gross Loans | 1.85B | 1.82B | 1.82B | 1.55B | 1.37B | 1.34B |
| Allowance for Loan Losses | -19.36M | -20.32M | -23.66M | -18.49M | -16.46M | -16.62M |
| Other Adjustments to Gross Loans | -2.80M | -2.33M | -2.40M | -1.80M | -2.46M | -5.29M |
| Net Loans | 1.83B | 1.80B | 1.80B | 1.53B | 1.35B | 1.32B |
| Property, Plant & Equipment | 37.02M | 39.71M | 37.85M | 27.75M | 30.51M | |
| Goodwill | 14.38M | 14.38M | 14.38M | 8.85M | 8.85M | 8.85M |
| Other Intangible Assets | 2.22M | 2.78M | 3.63M | 1.42M | 1.82M | 2.39M |
| Accrued Interest Receivable | 7.80M | 7.97M | 6.09M | 4.76M | 4.22M | |
| Long-Term Deferred Tax Assets | 16.86M | 20.28M | 11.51M | 7.60M | 4.51M | |
| Other Real Estate Owned & Foreclosed | 295.00K | 226.00K | ||||
| Other Long-Term Assets | 158.34M | 89.59M | 92.13M | 77.55M | 58.49M | 57.10M |
| Total Assets | 2.31B | 2.29B | 2.34B | 1.92B | 1.60B | 1.69B |
| Interest Bearing Deposits | 1.43B | 1.40B | 1.45B | 1.21B | 999.24M | 1.13B |
| Institutional Deposits | 260.93M | 289.74M | 284.27M | 173.61M | 83.41M | 33.74M |
| Non-Interest Bearing Deposits | 309.10M | 286.01M | 300.97M | 249.28M | 265.08M | 286.25M |
| Total Deposits | 2.00B | 1.98B | 2.03B | 1.64B | 1.35B | 1.45B |
| Short-Term Borrowings | 10.00M | |||||
| Current Portion of Leases | 3.73M | |||||
| Accrued Interest Payable | 8.53M | 15.40M | 9.16M | 1.03M | 1.04M | |
| Long-Term Leases | 17.46M | 22.94M | 24.28M | 16.77M | 18.56M | |
| Other Long-Term Liabilities | 34.12M | 8.52M | 7.23M | 7.10M | 6.65M | 5.36M |
| Total Liabilities | 2.04B | 2.01B | 2.08B | 1.68B | 1.38B | 1.47B |
| Common Stock | 34.55M | 34.10M | ||||
| Additional Paid-In Capital | 124.28M | 122.90M | 119.91M | 98.29M | 81.29M | 80.22M |
| Retained Earnings | 169.06M | 161.78M | 151.91M | 149.41M | 131.49M | 111.45M |
| Treasury Stock | -9.03M | -8.71M | -842.00K | -19.45M | -10.03M | |
| Comprehensive Income & Other | -13.87M | -5.26M | -8.94M | -7.49M | -8.27M | 839.00K |
| Shareholders' Equity | 270.44M | 270.71M | 262.04M | 240.21M | 219.60M | 216.58M |
| Total Liabilities & Equity | 2.31B | 2.29B | 2.34B | 1.92B | 1.60B | 1.69B |
| Total Debt | 21.19M | 22.94M | 24.28M | 26.77M | 18.56M | |
| Net Cash (Debt) | 57.82M | 114.49M | 94.41M | 126.28M | 26.58M | 140.16M |
| Net Cash Per Share | 8.49 | 16.69 | 14.26 | 19.76 | 4.12 | 20.57 |
| Filing Date Shares Outstanding | 6.81M | 6.79M | 6.92M | 6.34M | 6.26M | 6.49M |
| Total Common Shares Outstanding | 6.81M | 6.77M | 6.88M | 6.30M | 6.25M | 6.48M |
| Book Value Per Share | 39.69 | 40.01 | 38.07 | 38.13 | 35.16 | 33.42 |
| Tangible Book Value | 253.84M | 253.56M | 244.03M | 229.94M | 208.92M | 205.33M |
| Tangible Book Value Per Share | 37.25 | 37.48 | 35.45 | 36.50 | 33.45 | 31.69 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 18.61M | 10.24M | 25.77M | 26.49M | 22.49M | |
| Depreciation & Amortization | 2.65M | 2.28M | 1.98M | 2.05M | 1.95M | |
| Gain (Loss) on Sale of Assets | 125.00K | |||||
| Gain (Loss) on Sale of Investments | 191.00K | 310.00K | -13.00K | 47.00K | 135.00K | |
| Total Asset Writedown | -203.00K | 101.00K | ||||
| Provision for Credit Losses | 6.65M | 5.11M | 3.11M | 400.00K | 3.62M | |
| Accrued Interest Receivable | 4.37M | 3.94M | 1.82M | 943.00K | -2.55M | |
| Change in Other Net Operating Assets | -1.50M | -1.67M | -1.29M | -1.14M | -1.12M | |
| Other Operating Activities | -3.44M | -4.95M | -12.31M | -4.57M | -8.60M | |
| Operating Cash Flow | 21.49M | 14.73M | 23.11M | 23.99M | 12.90M | |
| Capital Expenditures | -889.00K | -1.52M | -1.71M | -607.00K | -1.19M | |
| Cash Acquisitions | 7.87M | -2.23M | ||||
| Investment in Securities | 68.68M | -146.30M | -8.17M | 4.99M | -26.94M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -2.09M | -10.90M | 10.74M | -30.44M | 34.16M | |
| Other Investing Activities | 2.51M | -3.19M | -4.62M | -397.00K | -2.48M | |
| Investing Cash Flow | 68.21M | -154.05M | -5.76M | -26.46M | 3.54M | |
| Short-Term Debt Issued | 10.00M | |||||
| Total Debt Issued | 10.00M | |||||
| Short-Term Debt Repaid | -10.00M | |||||
| Total Debt Repaid | -10.00M | |||||
| Net Debt Issued (Repaid) | -10.00M | 10.00M | ||||
| Issuance of Common Stock | 1.83M | 685.00K | 989.00K | 1.40M | 383.00K | |
| Repurchase of Common Stock | -8.09M | -1.09M | -9.42M | -10.03M | ||
| Common Dividends Paid | -8.66M | -7.61M | -7.45M | -6.46M | -4.39M | |
| Net Increase (Decrease) in Deposit Accounts | -56.43M | 114.13M | 96.31M | -98.41M | 78.88M | |
| Financing Cash Flow | -71.36M | 106.11M | 79.85M | -102.89M | 64.84M | |
| Net Cash Flow | 18.34M | -33.21M | 97.21M | -105.36M | 81.29M | |
| Free Cash Flow | 20.60M | 13.21M | 21.40M | 23.38M | 11.71M | |
| Free Cash Flow Margin | 26.54% | 18.98% | 30.87% | 32.23% | 18.40% | |
| Free Cash Flow Per Share | 3.00 | 2.00 | 3.35 | 3.62 | 1.72 | |
| Cash Interest Paid | 61.61M | 50.17M | 25.03M | 6.02M | 8.11M | |
| Cash Income Tax Paid | 2.25M | 1.82M | 5.88M | 6.99M | 9.03M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 299.54M | 234.60M | 235.81M | 226.11M | 198.05M | 192.94M |
| Last Close Price | 43.96 | 33.75 | 32.21 | 32.39 | 27.51 | 24.61 |
| PE Ratio | 14.69 | 12.61 | 23.02 | 8.78 | 7.47 | 8.58 |
| PS Ratio | 3.76 | 3.02 | 3.39 | 3.26 | 2.73 | 3.03 |
| PB Ratio | 1.11 | 0.87 | 0.90 | 0.94 | 0.90 | 0.89 |
| P/FCF Ratio | 12.81 | 11.39 | 17.86 | 10.57 | 8.47 | 16.48 |
| P/OCF Ratio | 12.02 | 10.92 | 16.01 | 9.78 | 8.26 | 14.95 |
| Debt / Equity Ratio | 0.08 | 0.09 | 0.10 | 0.12 | 0.09 | |
| Debt / FCF Ratio | 1.03 | 1.74 | 1.14 | 1.15 | 1.58 | |
| Net Debt / Equity Ratio | -0.21 | -0.42 | -0.36 | -0.53 | -0.12 | -0.65 |
| Net Debt / FCF Ratio | -5.56 | -7.15 | -5.90 | -1.14 | -11.97 | |
| Return on Equity (ROE) | 7.60% | 6.99% | 4.08% | 11.21% | 12.15% | 10.57% |
| Return on Assets (ROA) | 0.90% | 0.80% | 0.48% | 1.47% | 1.61% | 1.37% |
| Earnings Yield | 6.81% | 7.93% | 4.34% | 11.39% | 13.38% | 11.65% |
| FCF Yield | 7.81% | 8.78% | 5.60% | 9.46% | 11.80% | 6.07% |
| Dividend Yield | 3.64% | 3.60% | 3.50% | 3.34% | 3.15% | 2.22% |
| Payout Ratio | 53.47% | 46.56% | 74.27% | 28.90% | 24.37% | 19.51% |
| Buyback Yield / Dilution | 1.41% | -3.61% | -3.62% | 0.93% | 5.36% | 0.79% |
| Total Shareholder Return | 5.05% | -0.01% | -0.11% | 4.27% | 8.51% | 3.00% |