BPRN
Princeton Bancorp, Inc.36.01
-0.52-1.42%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
243.53MP/E (TTM)
13.85Basic EPS (TTM)
2.60Dividend Yield
0.03%Recent Filings
8-K
8-K
16.7% dividend increase announced
Princeton Bancorp, Inc. boosted its quarterly cash dividend by 16.7% to $0.35 per share, payable November 26, 2025, to shareholders of record November 7. This hike signals board confidence in the company's performance amid economic headwinds like inflation and geopolitical tensions. Dividends remain subject to quarterly review and potential cuts. Solid returns, yet risks loom.
8-K
Q3 net income jumps to $6.5M
Princeton Bancorp reported Q3 2025 net income of $6.5 million, or $0.95 per diluted share, surging from $688 thousand in Q2 amid a $7.6 million drop in credit loss provisions and $809 thousand net interest income gain. Net interest margin expanded 23 basis points to 3.77%, fueled by higher asset yields and lower funding costs, while total assets dipped 4.75% to $2.23 billion and deposits fell 5.12%. Non-performing assets plunged $10.4 million to $16.7 million via charge-offs. Balance sheet shrinks, yet profitability rebounds sharply.
10-Q
Q2 FY2025 results
Princeton Bancorp's Q2 2025 net income fell to $0.7M ($0.10 diluted EPS), down from $5.1M ($0.80) a year earlier, as a $7.0M provision for credit losses—tied to a $9.9M charge-off—erased prior-year gains. Yet net interest income climbed 18% y/y to $18.8M on 17% higher loan balances, while non-interest income edged up 8% to $2.3M. Deposits dropped 5% q/q to $1.93B amid strategic cuts in brokered CDs, leaving cash at $21.1M and $10M in overnight borrowings; free cash flow not disclosed in the 10-Q. The Cornerstone acquisition from August 2024 added $5.5M goodwill and $2.8M core deposit intangible (amortized over 10 years). Non-GAAP metrics not disclosed. Elevated charge-offs signal credit pressures in commercial real estate.
8-K
Q2 earnings hit by loan charge-off
Princeton Bancorp reported Q2 2025 net income of $688 thousand, or $0.10 per diluted share, down sharply from $5.4 million in Q1 due to a $7.0 million provision for credit losses tied to a $9.9 million charge-off on a previously disclosed loan. Yet net interest income edged up to $18.8 million with a 3.54% margin, non-interest income rose 2.8%, and expenses fell 2.1%, signaling core earnings strength. Non-performing assets dropped to $16.5 million. The company repurchased 173,000 shares at $31.14 average. Stronger earnings loom in H2.
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