ScoreWhy is Princeton Bancorp, Inc. ?
1
High Profitability with a Net Interest Margin of 11.47%
2
Strong Long Term Fundamental Strength with a 2.00% CAGR growth in Net Profits
3
Positive results in Jun 25
- NII(Q) Highest at USD 18.81 MM
- DIVIDEND PAYOUT RATIO(Y) Highest at 300.6%
- CASH AND EQV(HY) Highest at USD 39.8 MM
4
With ROA of 0.46%, it has a fair valuation with a 0.83 Price to Book Value
- Over the past year, while the stock has generated a return of -9.25%, its profits have fallen by -35.8%
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Princeton Bancorp, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Princeton Bancorp, Inc. for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Princeton Bancorp, Inc.
-13.14%
0.42
31.06%
S&P 500
12.66%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
16.69%
EBIT Growth (5y)
2.63%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
77.56%
Pledged Shares
0
Institutional Holding
46.79%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
0.82
EV to EBIT
7.84
EV to EBITDA
6.98
EV to Capital Employed
0.77
EV to Sales
1.20
PEG Ratio
NA
Dividend Yield
0.57%
ROCE (Latest)
9.79%
ROE (Latest)
7.15%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NII(Q)
Highest at USD 18.81 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 300.6%
CASH AND EQV(HY)
Highest at USD 39.8 MM
-18What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 9.98 MM
OPERATING PROFIT(Q)
Lowest at USD 0.6 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 1.82 %
PRE-TAX PROFIT(Q)
Lowest at USD 0.6 MM
NET PROFIT(Q)
Lowest at USD 0.69 MM
Here's what is working for Princeton Bancorp, Inc.
NII
Highest at USD 18.81 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Dividend Payout Ratio
Highest at 300.6% and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Cash and Eqv
Highest at USD 39.8 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Princeton Bancorp, Inc.
Pre-Tax Profit
At USD 0.6 MM has Fallen at -89.21%
over average net sales of the previous four periods of USD 5.52 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Net Profit
At USD 0.69 MM has Fallen at -85.58%
over average net sales of the previous four periods of USD 4.77 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Operating Cash Flow
Lowest at USD 9.98 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Operating Profit
Lowest at USD 0.6 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at 1.82 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at USD 0.6 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD 0.69 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
Capital Adequacy Ratio
Lowest at 12%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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