BPRN (Princeton Bancorp) Moat Score: 3/10 (As of Jun. 28, 2026)


BPRN Princeton Bancorp Inc BPRN
65 GF Score
Price $37.90
GF Value $34.80
Valuation Fairly Valued
! 3 Warning Signs
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What is Princeton Bancorp Moat Score?

Princeton Bancorp BPRN +1.61% 65 Moat Score is 3 as of Jun. 28, 2026. GuruFocus rates BPRN with a GF Score™ of 65/100 and a GF Value™ of $34.80 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,614 Banks companies, Princeton Bancorp ranks better than 74.54% on this metric.

Princeton Bancorp has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Princeton Bancorp has No Moat: Princeton Bancorp Inc has very weak competitive advantages with limited market share and no significant network effects or intellectual property. It operates in a highly competitive banking sector with minimal regulatory barriers or cost advantages.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Princeton Bancorp might have No Moat - Very weak/transient advantages.

Princeton Bancorp  (NAS:BPRN) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Princeton Bancorp Moat Score Related Terms

BPRN vs LCNB, FXNC, HWBK: Moat Score Comparison

For the Banks - Regional subindustry, Princeton Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Princeton Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Princeton Bancorp's Moat Score falls into.


BPRN
65GF Score
Princeton Bancorp Inc BPRN
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Princeton Bancorp (BPRN) has a Moat Score of 3 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Princeton Bancorp ranks #411 out of 1614 companies in the Banks industry, placing it in the top 25.5%.
Is Princeton Bancorp's Moat Score too high?
Princeton Bancorp's current Moat Score is 3. Based on the distribution chart, Princeton Bancorp ranks #411 out of 1614 companies in the Banks industry, which is above the industry midpoint. Overall, Princeton Bancorp has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Princeton Bancorp's Moat Score compare to LCNB and FXNC?
According to the Banks industry distribution chart, Princeton Bancorp ranks #411 out of 1614 companies for Moat Score. This puts Princeton Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Princeton Bancorp's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Princeton Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Princeton Bancorp (BPRN) is currently considered Fairly Valued. The stock's GF Value™ is $34.80, compared to a current price of $37.90 — trading 8.9% above its estimated fair value. The current Moat Score is 3. Princeton Bancorp's overall GF Score™ is 65/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Princeton Bancorp (BPRN), the current Moat Score is 3 as of Jun. 28, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Princeton Bancorp (BPRN) Overvalued in 2026?

Based on GuruFocus' analysis, Princeton Bancorp stock appears to be overvalued. The current stock price of $37.90 is trading 8.9% above its estimated GF Value™ of $34.80. GuruFocus considers Princeton Bancorp to be Fairly Valued.

Key valuation signals for BPRN:

  • Moat Score: 3
  • GF Value™: $34.80 vs. price of $37.90 (8.9% above fair value)
  • GF Score™: 65/100 with 3 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.
65GF Score

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

$37.90
Price
$34.80
GF Value