BPRN (Princeton Bancorp) Cash-to-Debt: (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BPRN Princeton Bancorp Inc BPRN
62 GF Score
Price $43.18
GF Value $33.71
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is Princeton Bancorp Cash-to-Debt?

Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Princeton Bancorp's cash to debt ratio for the quarter that ended in Jun. 2026 was .

If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Princeton Bancorp couldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.

The historical rank and industry rank for Princeton Bancorp's Cash-to-Debt or its related term are showing as below:

BPRN' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.19   Med: 1.3   Max: No Debt
Current: 2.33

During the past 13 years, Princeton Bancorp's highest Cash to Debt Ratio was No Debt. The lowest was 0.19. And the median was 1.30.

BPRN's Cash-to-Debt is ranked better than
62.17% of 1491 companies
in the Banks industry
Industry Median: 1.37 vs BPRN: 2.33

Princeton Bancorp  (NAS:BPRN) Cash-to-Debt Explanation

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.

Princeton Bancorp Cash-to-Debt Related Terms

Princeton Bancorp Cash-to-Debt Historical Data

* Premium members only.

The historical data trend for Princeton Bancorp's Cash-to-Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

Princeton Bancorp Cash-to-Debt Chart

Princeton Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cash-to-Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - - - -

Princeton Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cash-to-Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only - - - - -

BPRN vs TRUX, OVLY, GBFH: Cash-to-Debt Comparison

For the Banks - Regional subindustry, Princeton Bancorp's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Princeton Bancorp Cash-to-Debt vs Banks Industry

For the Banks industry and Financial Services sector, Princeton Bancorp's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where Princeton Bancorp's Cash-to-Debt falls into.


BPRN
62GF Score
Princeton Bancorp Inc BPRN
Cash-to-Debt is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Princeton Bancorp Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

Princeton Bancorp's Cash to Debt Ratio for the fiscal year that ended in Dec. 2025 is calculated as:

Cash to Debt Ratio= Balance Sheet Cash And Cash Equivalents / Total Debt
= Balance Sheet Cash And Cash Equivalents / (Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation)
=17.038 / (3.73 + 17.464)
=0.80

Princeton Bancorp's Cash to Debt Ratio for the quarter that ended in Jun. 2026 is calculated as:

Cash to Debt Ratio= Balance Sheet Cash And Cash Equivalents / Total Debt
= Balance Sheet Cash And Cash Equivalents / (Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation)
=16.729 / (3.758 + 16.776)
=0.81

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Is Princeton Bancorp (BPRN) Overvalued in 2026?

Based on GuruFocus' analysis, Princeton Bancorp stock appears to be overvalued. The current stock price of $43.18 is trading 28.1% above its estimated GF Value™ of $33.71. GuruFocus considers Princeton Bancorp to be Modestly Overvalued.

Key valuation signals for BPRN:

  • Cash-to-Debt:
  • GF Value™: $33.71 vs. price of $43.18 (28.1% above fair value)
  • GF Score™: 62/100 with 4 warning signs

No single metric tells the full story. See the BPRN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Princeton Bancorp Business Description

Address 183 Bayard Lane, Princeton, NJ, USA, 08540
Princeton Bancorp Inc is a full-service financial institution providing personal and business banking services, including checking and savings accounts, as well as a range of lending products such as residential, commercial, construction, and consumer loans, including home equity loans and lines of credit. The Bank operates branches and conducts loan origination activities in areas of the New York City metropolitan area. Its loan portfolio is segmented into commercial real estate (including owner-occupied, non-owner-occupied, and multi-family properties), construction loans (mainly for residential developments), commercial and industrial loans (for business purposes), residential real estate loans (secured by one-to-four family properties), and consumer/HELOC loans.
62GF Score

Get the complete analysis for BPRN

Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.18
Price
$33.71
GF Value