Princeton Bancorp Inc. Financial Ratios — BPRN Stock

Profitability (USD)

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	18.04	13.47	14.8	9.1	11.34	16.48	17.01	16.34	6.8	11.87
Return on Assets (%)	- -	1.16	0.99	1.2	0.75	0.9	1.37	1.61	1.46	0.48	0.8
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	6.24	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	40.8	43.11	1.95	1.48	2.84	3.51	2.9	2.81	2.74	3.06	3.14
Operating Margin (%)	38.03	40.74	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	117.96	-841.28	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	38.03	40.74	35.42	41.06	27.44	32.22	43.39	46.68	41.99	17.16	28.1
Profit Margin (%)	28.46	29.59	26.25	34.1	22.62	25.73	33.43	36.32	35.67	13.71	22.08
Net Income to Common Margin (%)	28.46	29.59	26.25	34.1	22.62	25.73	33.43	36.32	35.67	13.71	22.08
Effective Tax Rate (%)	25.17	27.36	25.9	16.94	17.57	20.15	22.96	22.2	15.07	20.08	21.41
Dvd Payout Ratio (%)	- -	- -	- -	1.36	12.62	19.62	19.51	24.37	28.9	74.27	46.56
Sustainable Growth Rate (%)	- -	18.04	13.47	14.6	7.95	9.12	13.26	12.86	11.61	1.75	6.34

Credit (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	129	56	- -	55	15	19	19	27	24	23	21
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	129	56	- -	55	15	19	19	27	24	23	21
Total Debt/EBITDA	8.16	3.25	- -	86.83	11.81	10.07	9.51	13.05	12.28	10.05	8
Net Debt/EBITDA	14.52	5.37	-101	132.31	-56.98	-35.75	-6.16	-7.46	-17.46	-14.74	-13.72
Total Debt/EBIT	8.76	3.44	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	15.57	5.68	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.89	6.98	7.65	8.54	7.98	7.94	8.62	10.37	7.8	6.49	7.08
Long-Term Debt/Equity (%)	140.85	54.22	- -	30.06	7.68	9.09	8.57	12.19	10.11	8.75	7.83
Long-Term Debt/Capital (%)	68.33	43.93	- -	34.13	11.47	12.98	11.31	13.89	13.98	13.12	11.58
Long-Term Debt/Total Assets (%)	12.71	5.47	- -	4.43	1.03	1.18	1.1	1.67	1.27	0.98	0.93
Total Debt/Equity (%)	140.85	54.22	- -	30.06	7.68	9.09	8.57	12.19	10.11	8.75	7.83
Total Debt/Capital (%)	68.33	43.93	- -	34.13	11.47	12.98	11.31	13.89	13.98	13.12	11.58
Total Debt/Total Assets (%)	12.71	5.47	- -	4.43	1.03	1.18	1.1	1.67	1.27	0.98	0.93
Net Debt to Equity	250.44	89.5	-49.21	45.8	-37.05	-32.29	-5.55	-6.97	-14.38	-12.84	-13.43
Net Debt/Capital (%)	143.21	85.65	-914.55	62.11	-124.05	-85.49	-7.9	-9.13	-24.81	-23.83	-24.79
EBITDA	16	17	1	1	1	2	2	2	2	2	3
EBITDA-CapEx	15	17	1	- -	-3	-1	1	1	- -	1	2
Operating Income (Loss)	15	16	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.89	6.98	7.65	8.54	7.98	7.94	8.62	10.37	7.8	6.49	7.08
Long-Term Debt/Equity (%)	140.85	54.22	- -	30.06	7.68	9.09	8.57	12.19	10.11	8.75	7.83
Long-Term Debt/Capital (%)	68.33	43.93	- -	34.13	11.47	12.98	11.31	13.89	13.98	13.12	11.58
Long-Term Debt/Total Assets (%)	12.71	5.47	- -	4.43	1.03	1.18	1.1	1.67	1.27	0.98	0.93
Total Debt/Equity (%)	140.85	54.22	- -	30.06	7.68	9.09	8.57	12.19	10.11	8.75	7.83
Total Debt/Capital (%)	68.33	43.93	- -	34.13	11.47	12.98	11.31	13.89	13.98	13.12	11.58
Total Debt/Total Assets (%)	12.71	5.47	- -	4.43	1.03	1.18	1.1	1.67	1.27	0.98	0.93
CFO/Total Liabilities	1.17	1.47	1.24	1.59	1.36	1.3	0.88	1.74	1.38	0.71	1.07
CFO/CapEx	16.96	1,509	85.37	17.73	4.29	5.84	10.82	39.52	13.5	9.66	24.17
Altman's Z-Score	0.14	0.24	0.21	0.22	0.21	0.18	0.21	0.25	0.23	0.19	0.21

Working Capital (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	12.77	12.54	11.91	12.18	12.6	14.77	16.26	13.32	10.62	10.69
Days Sales Outstanding	- -	28.59	29.11	30.64	29.96	28.98	24.72	22.45	27.4	34.37	34.15
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	129	189	185	212	159	196	200	225	225	237
- Cash & Cash Equivalents	29	20	83	26	73	67	12	25	35	34	36
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	129	56	- -	55	15	19	19	27	24	23	21
Enterprise Value	-41	52	4	122	42	35	101	121	124	-33	90
Total Capital	189	128	92	162	131	146	164	193	174	175	183
Total Debt/Capital (%)	68.33	43.93	- -	34.13	11.47	12.98	11.31	13.89	13.98	13.12	11.58
Total Debt / EV	-3.12	1.07	- -	0.45	0.36	0.55	0.18	0.22	0.2	-0.69	0.24
EV/Sales	- -	1.31	0.1	2.83	0.94	0.64	1.5	1.65	1.71	0.27	1.07
EV/EBITDA	- -	3.03	5.12	191.62	33.04	18.3	51.73	58.8	62.63	8.84	33.98
EV/EBIT	- -	3.2	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	3.85	0.33	7.18	2.47	1.91	7.82	5.03	5.36	1.37	4.19
EV/Free Cash Flow to Firm	- -	3.84	0.32	6.8	2	1.63	7.16	4.9	4.99	1.24	4.02
Diluted Market Cap	- -	138	199	192	217	161	200	205	229	228	238
Diluted Enterprise Value	100	174	116	221	160	112	206	206	219	217	223
EV per Share	- -	11.12	0.76	18.45	6.25	5.09	15.14	19.08	19.72	3.09	13.18
TTM Sales	39	40	42	43	45	54	67	73	72	75	84
TTM EBITDA	16	17	1	1	1	2	2	2	2	2	3
TTM Operating Income	15	16	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	11	14	13	17	17	18	13	24	23	15	21
TTM Free Cash Flow to Firm	11	14	13	18	21	21	14	25	25	16	22

Multiples (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	10.13	15.34	10.66	10.32	7.59	14.18	8.32	9.24	14.02	10.63
EV/EBIT	- -	3.2	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-41	52	4	122	42	35	101	121	124	-33	90
Low Price	- -	25.64	27.42	26.77	25.92	17.4	21.26	26.57	23.49	29.02	27.25
EV/Sales	- -	1.31	0.1	2.83	0.94	0.64	1.5	1.65	1.71	0.27	1.07
EV/EBITDA	- -	3.03	5.12	191.62	33.04	18.3	51.73	58.8	62.63	8.84	33.98
Price/Earnings	- -	10.87	17.14	12.57	20.9	11.49	8.7	7.57	8.75	21.95	12.73
Price/Earnings Average	- -	10.71	15.69	14.53	19.56	11	8.5	7.06	7.52	21.59	11.69
Price/Earnings High	- -	11.9	19.46	15.98	22.12	15.82	9.28	7.87	9.31	25.09	13.56
Price/Earnings Low	- -	10.17	13.69	12.06	17.2	8.54	6.3	6.34	5.73	18.5	10
Price/Book Value	- -	1.8	2.05	1.73	1.83	1.25	1.34	1.21	1.51	1.48	1.46
Price/Book Value Average	- -	1.77	1.88	2	1.71	1.19	1.31	1.13	1.3	1.46	1.34
Price/Book Value High	- -	1.97	2.33	2.2	1.93	1.72	1.43	1.26	1.61	1.69	1.56
Price/Book Value Low	- -	1.68	1.64	1.66	1.5	0.93	0.97	1.01	0.99	1.25	1.15
Price/Tangible Book Value	- -	1.24	1.12	1	1.16	0.81	0.95	0.96	0.98	0.92	0.93
Price/Tangible Book Value Average	- -	1.23	1.03	1.16	1.08	0.77	0.93	0.9	0.84	0.91	0.86
Price/Tangible Book Value High	- -	1.36	1.27	1.27	1.22	1.11	1.02	1	1.04	1.05	1
Price/Tangible Book Value Low	- -	1.16	0.9	0.96	0.95	0.6	0.69	0.8	0.64	0.78	0.73
Price/Sales	- -	3.22	4.5	4.29	4.73	2.96	2.91	2.75	3.12	3.01	2.81
Price/Sales Average	- -	3.17	4.12	4.96	4.42	2.83	2.84	2.57	2.68	2.96	2.58
Price/Sales High	- -	3.52	5.11	5.45	5	4.07	3.1	2.86	3.32	3.44	2.99
Price/Sales Low	- -	3.01	3.59	4.11	3.89	2.2	2.11	2.3	2.04	2.54	2.21
Price/Cash Flow	- -	9.48	14.74	10.86	12.42	8.76	15.15	8.36	9.76	15.26	11.02
Price/Cash Flow Average	- -	9.34	13.5	12.56	11.63	8.39	14.81	7.8	8.39	15.01	10.12
Price/Cash Flow High	- -	10.37	16.74	13.8	13.15	12.07	16.18	8.69	10.38	17.44	11.74
Price/Cash Flow Low	- -	8.87	11.77	10.42	10.22	6.51	10.99	7	6.38	12.86	8.66
Price/Free Cash Flow Average	- -	9.98	14.04	12.33	9.66	7.27	13.86	7.77	7.94	13.79	9.77
Price/Free Cash Flow High	- -	11.08	17.42	13.55	10.92	10.45	15.14	8.65	9.83	16.03	11.33
Price/Free Cash Flow Low	- -	9.47	12.25	10.23	8.49	5.64	10.28	6.97	6.04	11.82	8.35
EV/Sales Average	2.59	4.08	2.15	5.63	3.14	1.93	2.94	2.59	2.54	2.82	2.4
EV/Sales High	2.59	4.43	3.14	6.12	3.72	3.17	3.2	2.88	3.18	3.3	2.81
EV/Sales Low	2.59	3.92	1.62	4.79	2.61	1.29	2.2	2.32	1.9	2.39	2.03
EV/EBITDA Average	6.35	9.47	109.79	380.51	110.55	54.86	101.32	91.98	92.81	92.17	76.4
EV/EBITDA High	6.35	10.28	160.44	413.76	130.92	90.15	110.35	102.4	116.12	107.86	89.52
EV/EBITDA Low	6.35	9.09	82.83	323.59	91.77	36.81	76	82.59	69.41	78.32	64.52
EV/EBIT Average	6.81	10.02	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	6.81	10.88	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	6.81	9.62	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	27.42	34.34	27.9	31.49	23.41	29.33	31.72	35.9	34.43	34.69
High Price	- -	30	39	35.45	33.33	32.25	31.31	33	38.2	39.35	36.95
Enterprise Value Average	100	163	90	243	141	103	198	189	184	210	202
Enterprise Value High	100	177	132	264	167	170	215	210	230	246	237
Enterprise Value Low	100	157	68	206	117	69	148	169	137	179	171

Shares Outstanding	5	5	7	7	7	7	6	6	6	7	7
Diluted Weighted Avg Shares	5	5	6	7	7	7	7	6	6	7	7
Basic Weighted Avg Shares	5	5	5	7	7	7	7	6	6	7	7
Revenue per Share	8.23	8.52	7.63	6.51	6.66	7.92	10.09	11.54	11.5	11.44	12.34
EBITDA per Share	3.36	3.67	0.15	0.1	0.19	0.28	0.29	0.32	0.31	0.35	0.39
Operating Income per Share	3.13	3.47	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	2.34	2.52	2	2.22	1.51	2.04	3.37	4.19	4.1	1.57	2.73
Basic EPS from Cont Ops	2.34	2.52	2	2.22	1.51	2.04	3.37	4.19	4.1	1.57	2.73
Diluted EPS, GAAP	2.34	2.36	1.9	2.14	1.47	2.01	3.3	4.11	4.03	1.55	2.71
Diluted EPS from Cont Ops	2.34	2.36	1.9	2.14	1.47	2.01	3.3	4.11	4.03	1.55	2.71
Dividend per Share	- -	- -	- -	0.03	0.19	0.4	0.66	1.02	1.19	1.16	1.27
Cash Flow per Share	2.3	2.89	2.33	2.57	2.54	2.67	1.94	3.8	3.68	2.26	3.15
Free Cash Flow per Basic Share	2.16	2.89	2.3	2.42	1.94	2.21	1.76	3.7	3.41	2.02	3.02
Cash & Equivalents per Share	36.19	28.25	33.58	17.81	27.47	21.12	16.98	16.87	20.04	43	24.61
Book Value per Share	12.7	15.25	16.71	16.13	17.25	18.8	21.83	26.27	23.79	23.26	23.69
Tangible Book Value per Share	19.45	22.03	30.62	27.81	27.23	29.07	30.8	33.06	36.61	37.37	37.13

Princeton Bancorp Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)