Princeton Bancorp, Inc. (BPRN)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$44.51+1.48%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · BPRN
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 9.2% |
| Our one-year growth estimate | diamond | -24.3% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 33.6 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Worth watching into the next print: this name has erratic recent earnings surprises and has been missing across recent quarters. A fundamental tilt, not a price call.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
BPRN — earnings miss
Dated 2026-10-28
Results of Operations and Financial Condition On October 28, 2026, the registrant, the bank holding company for The Bank of Princeton, issued a press release containing financial information regarding its financial condition and results of operations for the three and nine months ended September 30, 2026. A copy of the press release and the accompanying financial statements are attached hereto as Exhibit 99.1 and are incorporated by reference into this
Why it matters: Net interest margin fell to 3.75% in Q3 from 3.86% in Q2. A return to the Q2 level would show the drop did not persist.
Supportive ifThe next quarterly release reports net interest margin of 3.86% or higher.
Worry ifThe next quarterly report shows net interest margin below 3.75%.
Why it matters: Q3 linked-quarter growth was strong, but deposits and loans had fallen from year-end by June. Another quarter can show whether Q3 growth lasts.
Supportive ifA later quarter shows net loans and total deposits above their September 30, 2026 levels.
Worry ifA later quarter reports either net loans or total deposits below its prior quarter level.
Why it matters: Q3 net income fell to $1.0 million after loan losses and a store write-down. Core income was about $7.0 million, so reported results can show how much those costs weighed.
Watch forThe next quarterly report shows net income above $1.0 million. It shows no similar large loan provision or retail write-down.
Also watch forThe next quarterly report shows net income of $1.0 million or less, or another large credit provision.
Why it matters: Two commercial real estate loans drove a $7.6 million credit provision in Q3. More losses could further cut reported earnings.
Worry ifA later quarter shows a credit provision above $7.6 million. It may also show new commercial real estate charge-offs.
Less concerning ifThe next quarter shows no new commercial real estate charge-offs and a provision below $7.6 million.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$74 on $10,000 · ±0.7% | How much price usually moves either way. |
| Bad day | $257 loss on $10,000 · 2.6% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,210 loss on $10,000 · 12.1% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.