Bank Of Princeton (BPRN) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Bank Of Princeton stock $32.74, price $44.54, that is 26.5% below the price, quality 51 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Bank Of Princeton
BPRN · USOur calculation puts a fair price 26% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.
How to read this chart
60‑month range $21.31 – $45.03 · fair‑value band $31.41 – $37.22 · the $44.54 price screens above the $32.74 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.
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Company profile
Princeton Bancorp, Inc. operates as the bank holding company for The Bank of Princeton that provides various banking products and services. The company accepts various deposit products, including checking, savings, attorney trust, and money market accounts, as well as certificates of deposit.
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It 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, the company provides debit and credit cards, money orders, direct deposits, 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 through third party.
Further, it offers full online statements, online bill payment, account inquiries, mobile banking, transaction histories and details, and account-to-account transfer services. The company was founded in 2007 and is headquartered in Princeton, New Jersey.
Stock analysis
Bank Of Princeton (BPRN) currently trades at $44.54, while our model-based Fair Value estimate is $32.74, 26% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $43.81 per share, and 1 of the 6 models we run sit above the $44.54 price.
Bear case: the Dividend Discount group reads lowest at $19.81, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $31.41 (bear) to $37.22 (bull), the price of $44.54 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 51/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Bank Of Princeton reported revenue of $139M in FY2025 versus $73.9M in FY2021, a compound +17.1%/yr. Reported net income was $18.6M in FY2025, compounding −4.6%/yr from FY2021.
Key figures
Market cap $304M Small · P/E ratio 11.8 · P/S ratio 3.48 · EPS (TTM) $3.79 · Dividend yield 3.0% · Net margin 29.7% · Return on equity 9.5% · Return on assets (EBIT) 1.4% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 53 out of 100 (medium confidence).
What moves the price
The share trades about 1% below its 52-week high and 42% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −26%, BPRN screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, one officer or director bought shares worth $452,751, on Aug 12, 2026. Over the same period, 3 people sold shares worth $479,997.
- BuyMartin TuchmanDirector, 10% owner4× since Nov 11, 2025: 21,642 shares, avg. $37.69$815,723Aug 12, 2026
- SaleMatthew T. ClarkChief Information Officer2× since Nov 12, 2025: 2,928 shares, avg. $37.17$108,835Aug 6, 2026
- SaleStephen DistlerDirector8,776 shares at $41.48$364,028Jul 31, 2026
- SaleStephanie AdkinsChief Lending Officer1,600 shares at $35.04$56,064Jun 10, 2026
- Plan buyMatthew T. ClarkChief Information Officer71 shares at $36.20$2,570May 28, 2026
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
BPRN screens overvalued: fair value 26% below the price. Compare with China Merchants Bank Co →
Compare Bank Of Princeton with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Return on equity by industry
- Quality Score by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs BPRN |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs BPRN |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs BPRN |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs BPRN |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs BPRN |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs BPRN |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs BPRN |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs BPRN |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs BPRN |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs BPRN |
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Frequently asked questions
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Key figures of Bank Of Princeton
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