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Princeton Bancorp, Inc. BPRN Capital conversation buffer

Capital conversation buffer at other companies

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OceanFirst FinancialOCFC
$0.030.0%

Other financials

Income statement

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Revenue$21.3M+1.7%
Net income$6.2M+15.8%
EPS (diluted)$0.91+18.2%

Balance sheet

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Cash & equivalents$119.8M+77.0%
Total debt$21.3M-4.2%
Total equity$273.6M+2.5%
Total assets$2.3B-2.8%

Cash flow

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Operating cash flow$5.2M+316%
CapEx$274.0K+37.0%
Free cash flow$4.9M+369%

Valuation

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Market cap$258.48M+21.0%
Enterprise value$159.99M-28.6%
P/E13.3×-18.0×
P/S3.1×+0.4×

Profitability

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Net margin23%+8.6pp
FCF margin28.9%+16.8pp

Returns & leverage

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Return on equity7.2%+2.8pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by Princeton Bancorp, Inc. in its filing.

Tagged under the XBRL concept us-gaap:BankingRegulationLeverageBufferActual.

The official record: Princeton Bancorp, Inc.’s 10-K, filed March 13, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Princeton Bancorp, Inc.'s capital conversation buffer?
Princeton Bancorp, Inc. (BPRN) reported capital conversation buffer of 6.5% in Q4 2025.
How has Princeton Bancorp, Inc.'s capital conversation buffer changed year-over-year?
Princeton Bancorp, Inc.'s capital conversation buffer decreased by 0.0% year-over-year, from 6.5% to 6.5%.
What is the long-term trend for Princeton Bancorp, Inc.'s capital conversation buffer?
Over 4 years (2021 to 2025), Princeton Bancorp, Inc.'s capital conversation buffer has grown at a 0.0% compound annual growth rate (CAGR), from 6.5% to 6.5%.
What does capital conversation buffer mean?
This represents the actual capital buffer maintained by the bank to satisfy regulatory leverage requirements. It ensures that the bank holds sufficient capital relative to its total leverage exposure, preventing excessive debt-funded growth. This metric is essential for assessing the bank's overall leverage risk and regulatory compliance.