Princeton Bancorp Inc. (PA) (BPRN) carries a Roarable Rating of D+ (Sell) with 57/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
As of 2026-11-01, Princeton Bancorp Inc. (PA) (NASDAQ: BPRN) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $43.10 (-3.43% 1D, market cap $293.6M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 5/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, BPRN ranks #647 in composite RQD confidence.
Within the Financials sector (Major Banks), BPRN carries a Roarable D+ (57/100 RQD), trailing P/E of 15.8x, gross margin of —, and ROIC of 6.9%. By comparison, QNBC (QNB Corp.) holds a C+ grade (66/100 RQD, P/E 20.8x, ROIC 10.9%, cap $293.1M) and HWBK (Hawthorn Bancshares Inc.) posts a C grade (63/100 RQD, P/E 12.2x, ROIC 13.7%, cap $290.4M). Among the 5-stock peer group, OVLY leads on earnings multiple (9.4x) while OVLY leads on capital efficiency (14.8% ROIC).
Per BPRN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001913971), Princeton Bancorp Inc. (PA) generated $0 in revenue, $18.6M in net income, and $20.6M in free cash flow against $2.29B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9
Put hedging (50% put share) caps near-term gamma upside (-15 pts vs max)
Even with a 57/100 (D+) score, BPRN faces multiple-compression risk if 15.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($43.34) or 200D SMA ($38.32) invalidates the momentum regime and cuts Target Base ($42.91) toward Bear Floor ($33.47).
Princeton Bancorp Inc. (PA) (BPRN) dropped -3.43% to $43.10, trading at 79% of its 52-week range ($31.19 – $46.34). Stretched risk/reward at 16x P/E (7% return on capital) under elevated 10-year interest-rate pressure.
Princeton Bancorp (BPRN) delivered earnings and revenue surprises of -84.69% and -0.61%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
Princeton Bancorp (NASDAQ:BPRN) reported quarterly earnings of $0.15 per share which missed the analyst consensus estimate of $0.97 by 84.69 percent. This is a 84.21 percent decrease over earnings of $0.95 per share
The headline numbers for Princeton Bancorp (BPRN) give insight into how the company performed in the quarter ended September 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and
(BPRN) on Wednesday reported third-quarter profit of $1 million.The bank, based in Princeton, New Jersey, said it had earnings of 15 cents per share.
PRINCETON, N.J., October 28, 2026--Princeton Bancorp, Inc. Announces 14.3% Increase In Its Third Quarter Cash Dividend
Mid Penn Bancorp (MPB) delivered earnings and revenue surprises of 0.00% and -4.05%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on BPRN today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for BPRN. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Princeton Bancorp Inc. (PA) (BPRN) ranks #647 by composite RQD confidence (57/100, grade D+) and #813 by equity capitalization ($293.6M). Within this direct 5-issuer industry benchmark cohort, OVLY leads on earnings valuation at 9.4x trailing P/E, while OVLY leads on capital efficiency and profitability with 14.8% ROIC and — gross margin. OVLY currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with BPRN at 57/100 (D+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| BPRN
ACTIVE
Princeton Bancorp Inc. (PA) | D+ | 57/100 | 15.8x | — | 6.9% | -3.43% | $293.6M | Benchmark Subject |
| QNBC QNB Corp. | C+ | 66/100 | 20.8x | — | 10.9% | -0.32% | $293.1M | /qnbc-vs-bprn → |
| HWBK Hawthorn Bancshares Inc. | C | 63/100 | 12.2x | — | 13.7% | +1.33% | $290.4M | /hwbk-vs-bprn → |
| FUNC First United Corporation | C | 63/100 | 12.1x | — | 12.0% | +0.42% | $297.0M | /func-vs-bprn → |
| OVLY Oak Valley Bancorp (CA) | C+ | 69/100 | 9.4x | — | 14.8% | +0.76% | $290.1M | /ovly-vs-bprn → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Princeton Bancorp Inc. (PA) (BPRN) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $18.6M, operating cash flow of $21.5M, and free cash flow of $20.6M (+56.0% YoY). On the balance sheet, BPRN closed FY2025 with $2.29B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $0 | $18.6M | $21.5M | $20.6M | $2.29B | — |
| FY2024 (FY) | 2024-12-31 | $0 | $10.2M | $14.7M | $13.2M | $2.34B | — |
| FY2023 (FY) | 2023-12-31 | $0 | $25.8M | $23.1M | $23.1M | — | — |
As of 2026-11-01, Princeton Bancorp Inc. (PA) (NASDAQ: BPRN) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $43.10 (-3.43% 1D, market cap $293.6M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 5/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, BPRN ranks #647 in composite RQD confidence.
Within the Financials sector (Major Banks), BPRN carries a Roarable D+ (57/100 RQD), trailing P/E of 15.8x, gross margin of —, and ROIC of 6.9%. By comparison, QNBC (QNB Corp.) holds a C+ grade (66/100 RQD, P/E 20.8x, ROIC 10.9%, cap $293.1M) and HWBK (Hawthorn Bancshares Inc.) posts a C grade (63/100 RQD, P/E 12.2x, ROIC 13.7%, cap $290.4M). Among the 5-stock peer group, OVLY leads on earnings multiple (9.4x) while OVLY leads on capital efficiency (14.8% ROIC).
Per BPRN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001913971), Princeton Bancorp Inc. (PA) generated $0 in revenue, $18.6M in net income, and $20.6M in free cash flow against $2.29B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
BPRN last traded at $43.10 (-3.43% on volume of 55,009 shares), positioning the stock -0.55% below its 50-day simple moving average ($43.34) and +12.47% above its 200-day simple moving average ($38.32). Across its 52-week range of $31.19 to $46.34, BPRN sits at the 78.6% percentile with a 14-day RSI of 43.3 (NEUTRAL RANGE) and an implied next-earnings move of ±5.2% ($40.86 to $45.34).
Why BPRN Stock dropped -3.43% Today — RQD Quant Desk Flash. Stretched risk/reward at 16x P/E (7% return on capital) under elevated 10-year interest-rate pressure.
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