ScoreWhy is Princeton Bancorp, Inc. ?
1
High Profitability with a Net Interest Margin of 9.81%
2
Strong Long Term Fundamental Strength with a 6.15% CAGR growth in Net Profits
3
Positive results in Mar 26
- OPERATING CASH FLOW(Y) Highest at USD 25.45 MM
- NET PROFIT(9M) Higher at USD 18.78 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
4
With ROA of 0.45%, it has a attractive valuation with a 0.86 Price to Book Value
- Over the past year, while the stock has generated a return of 30.62%, its profits have risen by 3.1% ; the PEG ratio of the company is 2.8
5
High Institutional Holdings at 45%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you hold?
- 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.
30.62%
1.02
27.88%
S&P 500
25.41%
1.92
13.25%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
16.18%
EBIT Growth (5y)
7.80%
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
46.07%
Pledged Shares
0
Institutional Holding
45.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
0.86
EV to EBIT
4.70
EV to EBITDA
4.17
EV to Capital Employed
0.72
EV to Sales
0.76
PEG Ratio
2.84
Dividend Yield
0.54%
ROCE (Latest)
15.42%
ROE (Latest)
6.88%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 25.45 MM
NET PROFIT(9M)
Higher at USD 18.78 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 93.64%
OPERATING PROFIT MARGIN(Q)
Highest at 25.91 %
-2What is not working for the Company
NET SALES(Q)
Lowest at USD 31.07 MM
Here's what is working for Princeton Bancorp, Inc.
Operating Cash Flow
Highest at USD 25.45 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit Margin
Highest at 25.91 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Credit Deposit Ratio
Highest at 93.64%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Net Profit
Higher at USD 18.78 MM
than preceding 12 month period ended Mar 2026MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (USD MM)
CASA
Highest at 13.05%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Princeton Bancorp, Inc.
Net Sales
Lowest at USD 31.07 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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