Monitor next quarter for sustained margin expansion and loan growth; strong capital position (12.1% equity/assets) supports potential buybacks or dividends.
Price Chart
Executive Summary
Princeton Bancorp reported Q1 2026 earnings with diluted EPS of $0.91, beating consensus of $0.84 by 8.3%, driven by higher net interest income, lower credit provision, and a 15.7% increase in non-interest income. Net interest margin improved to 3.63%, up 12 bps QoQ.
Key Financial Metrics
Key Facts
- Diluted EPS of $0.91 vs. consensus $0.84 (8.3% beat)
- Net interest income of $18.9M, up $228K QoQ and $101K YoY
- Net interest margin improved to 3.63%, up 12 bps QoQ and YoY
- Non-interest income increased 15.7% QoQ to $2.5M, driven by $232K gain on equity investment
- Provision for credit losses reversed $156K vs. $102K provision in prior quarter
Financial Impact
$6.2M net income, $0.91 EPS, $18.9M net interest income, 3.63% net interest margin
Risk Factors
- Declining loan balances (-$37.4M YoY) and deposits (-$68M YoY) may pressure future NII
- Sensitivity to interest rate changes given 70% decline in taxable securities portfolio YTD
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001193125-26-173619 |
| Document: bprn-20260129.htm | 0001193125-26-173619 |
| Document: 0001193125-26-173619-index-headers.html | 0001193125-26-173619 |
| Document: 0001193125-26-173619-index.html | 0001193125-26-173619 |
| Document: 0001193125-26-173619.txt | 0001193125-26-173619 |
| 8-K Data (Synthetic) | 0001193125-26-173619 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Aug 14, 2026 10w ago | Insider Cluster | $43.47 $43.60 | ▲ +0.30% | ▲ +2.29% | $44.77 (+2.99%) |
Aug 10, 2026 11w ago | Insider Cluster | $42.20 $42.87 | ▼ −1.59% | ▼ −2.50% | $44.77 (−6.09%) |
Jul 23, 2026 13w ago | 8-K | $40.86 $42.50 | ▲ +4.03% | ▲ +0.40% | $44.77 (+9.58%) |
Jul 22, 2026 13w ago | 8-K | $37.97 $42.45 | ▲ +11.80% | ▲ +8.49% | $44.77 (+17.91%) |
Apr 23, 2026 26w ago | 8-K | $34.65 $34.69 | ▲ +0.12% | ▼ −3.91% | $44.77 (+29.21%) |
Apr 21, 2026 26w ago | 8-K | $34.67 $34.50 | ▼ −0.49% | ▼ −3.65% | $44.77 (+29.14%) |
Apr 6, 2026 29w ago | 10-K/A | $34.31 $35.93 | ▲ +4.71% | ▼ −4.27% | $44.77 (+30.48%) |
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