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Princeton BancorpBPRN -0.92%65 Net Margin % is 31.50% as of Jun. 2026, which is 13% above its 10-year median of 27.92. GuruFocus rates BPRN with a GF Score™ of 65/100 and a GF Value™ of $35.79 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,525 Banks companies, Princeton Bancorp ranks better than 59.41% on this metric.
Princeton Bancorp (NAS:BPRN) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Princeton Bancorp Net Margin % Related Terms
Princeton Bancorp Net Margin % Historical Data
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The historical data trend for Princeton Bancorp's Net Margin % 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.
For the Banks - Regional subindustry, Princeton Bancorp's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Princeton Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Princeton Bancorp's Net Margin % falls into.
* 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.
Princeton Bancorp (BPRN) has a Net Margin % of 31.50% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Princeton Bancorp and its competitors. This is 13% above median its historical median of 27.92. Over the past decade, Princeton Bancorp's Net Margin % has ranged from 13.71 to 36.32. According to the industry distribution chart, Princeton Bancorp ranks #619 out of 1525 companies in the Banks industry, placing it in the top 40.6%.
Is Princeton Bancorp's Net Margin % too high?
Princeton Bancorp's current Net Margin % of 31.50% is 13% above median its 10-year median of 27.92. Over the past 10 years, this metric has ranged from a low of 13.71 to a high of 36.32. The Banks industry median Net Margin % is 27.10. Princeton Bancorp's value of 31.50% is 16.2% above this industry median. Based on the distribution chart, Princeton Bancorp ranks #619 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, Princeton Bancorp has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Princeton Bancorp's Net Margin % compare to FRAF and EXSR?
According to the Banks industry distribution chart, Princeton Bancorp ranks #619 out of 1525 companies for Net Margin %. This puts Princeton Bancorp in the upper half of its industry. The industry median Net Margin % is 27.10. Princeton Bancorp's value of 31.50% is 16.2% above this benchmark. Historically, Princeton Bancorp's own Net Margin % has ranged from 13.71 to 36.32 over the past decade. While the company's 10-year median is 27.92 vs. the industry median of 27.10, Princeton Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Princeton Bancorp's current Net Margin % of 31.50% is 16.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Princeton Bancorp and its competitors. For the Banks industry, the median Net Margin % is 27.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Princeton Bancorp's current Net Margin % is 31.50%, which is 13% above median its own 10-year median of 27.92. 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 Modestly Overvalued. The stock's GF Value™ is $35.79, compared to a current price of $42.12 — trading 17.7% above its estimated fair value. The current Net Margin % is 31.50%, which is 13% above median its 10-year median of 27.92 and 16.2% above the Banks industry median of 27.10. Princeton Bancorp's overall GF Score™ is 65/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Princeton Bancorp (BPRN), the current Net Margin % is 31.50% as of Jun. 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 $42.12 is trading 17.7% above its estimated GF Value™ of $35.79.
GuruFocus considers Princeton Bancorp to be Modestly Overvalued.
Key valuation signals for BPRN:
Net Margin %: 31.50% (13% above median its 10-year median of 27.92)
GF Value™: $35.79 vs. price of $42.12 (17.7% above fair value)
Industry Position: 16.2% above the Banks median (#619 of 1525)
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 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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