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Princeton Bancorp, Inc. BPRN Capital Conservation Buffer

Capital Conservation Buffer at other companies

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OceanFirst FinancialOCFC
$0.110.0%
NEC
Northeast Community BancorpNECB
8%0.0pp
SR Bancorp, Inc. logo
SR Bancorp, Inc.SRBK
14.3%-1.6pp
FB Bancorp, Inc. logo
FB Bancorp, Inc.FBLA

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+24.3%
Enterprise value$159.99M-25.5%
P/E13.3×-17.1×
P/S3.1×+0.5×

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:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.

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 conservation buffer?
Princeton Bancorp, Inc. (BPRN) reported capital conservation buffer of 8% in Q4 2025.
How has Princeton Bancorp, Inc.'s capital conservation buffer changed year-over-year?
Princeton Bancorp, Inc.'s capital conservation buffer decreased by 0.0% year-over-year, from 8% to 8%.
What is the long-term trend for Princeton Bancorp, Inc.'s capital conservation buffer?
Over 4 years (2021 to 2025), Princeton Bancorp, Inc.'s capital conservation buffer has grown at a -14.7% compound annual growth rate (CAGR), from 15.1% to 8%.
What does capital conservation buffer mean?
The capital conservation buffer is a mandatory layer of high-quality capital that banks must hold above their minimum regulatory capital requirements. It is designed to absorb losses during periods of economic stress, ensuring the bank remains solvent and capable of continuing lending activities. A larger buffer provides greater resilience against unexpected financial shocks.