Princeton Bancorp, Inc. (BPRN)

Nasdaq: BPRN · State Commercial Banks · Reading, PA · filing with the SEC since 2022

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Grade5.4

◀ Past 7.0● Present 4.3▶ Future 4.2

1 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of Princeton Bancorp, Inc.

Nine metrics read from its own filings, by tense

Headline grade

5.4/10

◀ Past7.040% of the headline

● Present4.335% of the headline

▶ Future4.225% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

7.0/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed

7.8/10

Has it survived what it has been through?

No warning events in its filings since 2022.

weight 45% of this tense · 78th percentile among 165 sector filers · read for itself

From the record

Princeton Bancorp, Inc.'s filings since 2022 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

7.6/10

What has it actually done, year after year?

+17.2% a year over 5 filed years; profitable in 5 of 5.

weight 22% of this tense · 76th percentile among 152 sector filers · read for its customers

From the record

Princeton Bancorp, Inc.'s 5 filed years say what it did: revenue went from $69 million in fiscal 2021 to $131 million in fiscal 2025, up 17.2% a year; it rose in 4 of 4 years; it never fell from a peak; net income was positive in 5 of 5 of those years (its annual reports).

What it rests on

revenue growth over the filed span17.2%top 28% of its family
the share of years revenue rosetop 13% of its family
the share of filed years with a profittop 44% of its family
the deepest fall from a revenue peak0.0%top 13% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed

5.6/10

How has it treated the people who own it?

Share count grew 2.1% a year. 55% of cash flow returned. Insiders: 4 sales, 12 purchases.

weight 33% of this tense · 56th percentile among 157 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Princeton Bancorp, Inc.'s diluted share count grew about 2.1% a year, and dividends and buybacks returned about 55% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 4 sales and 12 purchases of their own stock on the open market in the year to 2026-10-02, buying about $950 thousand (their Form 4 filings).

What it rests on

the share count over the yearsbottom 30% of its family
cash returned against operating cash flowtop 18% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

4.3/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

3.8/10

Is it financially healthy right now?

ROE 7%: 7¢ of profit per shareholder dollar. Leverage 88%: owes 88¢ per asset dollar.

weight 45% of this tense · 38th percentile among 161 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Princeton Bancorp, Inc. earned about 7 cents of profit for every dollar of shareholders' money. Leverage: it owed about 88 cents per dollar of assets, and net share issuance: its share count grew 3.6% over the year (the filed statements).

What it rests on

what it owes per dollar of assetstop 32% of its family
return on equitybottom 20% of its family
the share count against the year beforebottom 26% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

3.6/10

How strong is its position in its industry?

bottom 36% of 155 in its family; net margin 14.3%.

weight 33% of this tense · 36th percentile among 155 sector filers · read for its customers

From the record

Princeton Bancorp, Inc.'s standing among 155 graded names in its industry family: revenue of $131 million in fiscal 2025 ranks in the bottom 20% by size; a net margin of 14.3% ranks in the bottom 17%; revenue growth of 20.8% a year over the last 3 filed years ranks in the top 29% (its annual reports).

What it rests on

revenue against the family$131Mbottom 20% of its family
net margin14.3%bottom 17% of its family
three-year revenue growth20.8%top 29% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

6.6/10

What are the people in charge doing?

SI estimate 6.6/10, confidence 35 of 100 (one part).

weight 22% of this tense · 66th percentile among 160 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the top 34% of 160 in its family; the record of its people begins on 2023-01-24 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 3.8 years and cannot see past it; a floor under five years is not read as years in charge.
What the record cannot read: The record of its people begins on 2023-01-24 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 3.8 years and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned: one part: officer and director changes on Form 8-K, against the people in charge, the one part on file, ranked among 160 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Princeton Bancorp, Inc.'s leadership is put at 6.6 of 10 with a confidence of 35 of 100, because read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the top 34% of 160 in its family; the record of its people begins on 2023-01-24 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 3.8 years and cannot see past it; a floor under five years is not read as years in charge. A filing that carries the missing parts replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

4.2/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed

4.7/10

How much room does it have to grow?

bottom 47% of 142 in its family for room to expand.

weight 33% of this tense · 47th percentile among 142 sector filers · read for itself

From the record

Princeton Bancorp, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $136 million against no long-term debt tagged leaves 5.9% of its assets as net cash, top 27% of its family; cash from operations less capital spending is 15.8% of revenue (bottom 21%) (its annual report).

What it rests on

cash less debt against assets5.9%top 27% of its family
cash from operations less capital spending against revenue15.8%bottom 21% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

5.5/10

What could actually drive growth from here?

top 45% of 152 in its family for growth drivers.

weight 33% of this tense · 55th percentile among 152 sector filers · read for its customers

From the record

Princeton Bancorp, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 20.8% a year over the last three filed years against 17.2% over all 5, speeding up (bottom 47% of its family); the newest year grew 6.2% (top 42%); capital spending grew 13.6% a year (top 40%) (its annual reports). Princeton Bancorp, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

three-year growth against the whole span+3.6 points a yearbottom 47% of its family
the newest year's revenue growth6.2%top 42% of its family
three-year growth of capital spending13.6%top 40% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

2.4/10

Did its newest year beat what its own record pointed to?

bottom 24% of 150 in its family for expectations against reality.

weight 33% of this tense · 24th percentile among 150 sector filers · read for its shareholders

From the record

Princeton Bancorp, Inc.'s newest year against its own record: revenue of $131 million in fiscal 2025 came in 17.6% below the $158 million its prior three years' pace pointed to (bottom 40% of its family); net income of $19 million against a prior three-year average of $21 million (bottom 16%); a net margin of 14.3% against 23.4% before (bottom 16%) (its annual reports).

What it rests on

revenue against the prior three years' pace-17.6%bottom 40% of its family
net income against the prior three years' average-11%bottom 16% of its family
net margin against its prior average-9.2 pointsbottom 16% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton BPRN · research, not advice