Demonstrações financeiras detalhadas de Princeton Bancorp Inc. (BPRN): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Princeton Bancorp Inc. registou receitas de $139.0M no último exercício, com um CAGR de 5 anos de 15.9%. O lucro líquido atingiu $18.6M, com CAGR de 5 anos de 6.2%.
Margens dos últimos 12 meses: margem bruta 64.0%, margem operacional 24.6%, margem líquida 19.0%. O fluxo de caixa livre cresceu a CAGR de 6.6% em 5 anos.
Ao preço atual de $43.04, BPRN negocia a um P/L de 11.64 e um ROE de 9.48%. A capitalização de mercado é de $293M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Receita | $47.8M | $50.8M | $56.5M | $63.1M | $66.5M | $73.9M | $78.9M | $105.4M | $131.1M | $139.0M |
| Custo da Receita | $7.7M | $12.6M | $14.0M | $23.1M | $18.1M | $10.3M | $6.4M | $36.3M | $61.5M | $61.4M |
| Lucro Bruto | $40.1M | $38.2M | $42.5M | $40.0M | $48.4M | $63.6M | $72.5M | $69.1M | $69.6M | $77.6M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $14.3M | $13.8M | $15.3M | $15.7M | $17.2M | $18.5M | $21.9M | $24.8M | $27.8M | $4.0M |
| Despesas Operacionais | $23.8M | $23.3M | $24.8M | $27.7M | $31.1M | $34.5M | $38.5M | $38.8M | $56.8M | $53.9M |
| Lucro Operacional | $16.3M | $14.9M | $17.7M | $12.3M | $17.3M | $29.2M | $34.1M | $30.3M | $12.8M | $23.7M |
| EBITDA | $17.3M | $15.7M | $18.3M | $13.6M | $19.2M | $31.1M | $36.1M | $32.3M | $15.1M | $26.3M |
| Despesas com Juros | $7.8M | $8.8M | $13.4M | $18.3M | $12.8M | $6.7M | $6.0M | $33.2M | $56.4M | $54.7M |
| Lucro Antes de Impostos | $16.3M | $14.9M | $17.7M | $12.3M | $17.3M | $29.2M | $34.1M | $30.3M | $12.8M | $23.7M |
| Imposto | $4.5M | $3.8M | $3.0M | $2.2M | $3.5M | $6.7M | $7.6M | $4.6M | $2.6M | $5.1M |
| Lucro Líquido | $11.8M | $11.0M | $14.7M | $10.1M | $13.8M | $22.5M | $26.5M | $25.8M | $10.2M | $18.6M |
| LPA | $2.52 | $2.00 | $2.22 | $1.51 | $2.04 | $3.37 | $4.19 | $4.10 | $1.57 | $2.73 |
| LPA Diluído | $2.36 | $1.90 | $2.14 | $1.47 | $2.01 | $3.30 | $4.11 | $4.03 | $1.55 | $2.71 |
| Ações em Circulação (Diluídas) | $5.0M | $5.8M | $6.9M | $6.9M | $6.9M | $6.8M | $6.4M | $6.4M | $6.6M | $6.9M |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Caixa e Equivalentes | $19.6M | $82.8M | $26.4M | $72.6M | $67.4M | $12.0M | $25.3M | $34.5M | $33.6M | $36.3M |
| Investimentos de Curto Prazo | $113.0M | $101.7M | $91.7M | $112.3M | $75.6M | $101.2M | $81.3M | $91.4M | $193.9M | $131.7M |
| Contas a Receber | $3.2M | $3.5M | $3.7M | $3.6M | $4.9M | $4.2M | $4.8M | $6.1M | $8.0M | $7.8M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $135.8M | $188.1M | $121.8M | $188.5M | $147.9M | $117.4M | $111.4M | $132.0M | $235.6M | $175.8M |
| Imobilizado | $4.5M | $3.9M | $4.2M | $25.3M | $31.1M | $30.5M | $27.7M | $37.9M | $39.7M | $37.0M |
| Ágio | 0 | 0 | 0 | $8.9M | $8.9M | $8.9M | $8.9M | $8.9M | $14.4M | $14.4M |
| Ativos Intangíveis | 0 | 0 | 0 | $3.8M | $3.0M | $2.4M | $1.8M | $1.4M | $3.6M | $2.8M |
| Ativos Totais | $1.03B | $1.20B | $1.25B | $1.45B | $1.60B | $1.69B | $1.60B | $1.92B | $2.34B | $2.29B |
| Contas a Pagar | $1.3M | $1.6M | $2.2M | $3.9M | $2.5M | $1.0M | $1.0M | $9.2M | $15.4M | $8.5M |
| Dívida de Curto Prazo | $56.1M | 0 | $55.4M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Passivos Circulantes | $922.5M | $1.03B | $1.06B | $1.24B | $1.37B | $1.45B | $1.35B | $1.64B | $2.05B | $1.98B |
| Dívida de Longo Prazo | $56.1M | 0 | $55.4M | 0 | 0 | 0 | $10.0M | 0 | 0 | 0 |
| Passivos Totais | $922.5M | $1.03B | $1.07B | $1.26B | $1.39B | $1.47B | $1.38B | $1.68B | $2.08B | $2.01B |
| Reservas | $48.1M | $59.1M | $73.6M | $82.3M | $93.4M | $111.5M | $131.5M | $149.4M | $151.9M | $161.8M |
| Patrimônio Líquido | $103.5M | $168.3M | $184.3M | $195.9M | $208.8M | $216.6M | $219.6M | $240.2M | $262.0M | $270.7M |
| Dívida Total | $112.2M | 0 | $110.8M | $15.0M | $19.0M | $18.6M | $26.8M | $24.3M | $22.9M | $21.2M |
| Dívida Líquida | -$20.4M | -$184.6M | -$7.3M | -$169.9M | -$124.1M | -$94.6M | -$79.9M | -$101.6M | -$204.7M | -$146.9M |
| Capital de Giro | -$786.7M | -$843.8M | -$943.0M | -$1.05B | -$1.22B | -$1.33B | -$1.24B | -$1.51B | -$1.81B | -$1.81B |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Lucro Líquido | $11.8M | $11.0M | $14.7M | $10.1M | $13.8M | $22.5M | $26.5M | $25.8M | $10.2M | $18.6M |
| Depreciação e Amortização | $949000 | $820000 | $638000 | $1.3M | $1.9M | $2.0M | $2.1M | $2.0M | $2.3M | $2.6M |
| Compensação em Ações | $546000 | $479000 | $694000 | $507000 | $317000 | $263000 | $44000 | $807000 | $1.0M | $1.3M |
| Variação Capital de Giro | $1.5M | -$6.4M | $4.9M | $3.9M | $4.2M | -$5.8M | $430000 | $5.3M | $2.4M | -$3.0M |
| Fluxo de Caixa Operacional | $13.6M | $12.8M | $17.0M | $17.1M | $18.1M | $12.9M | $24.0M | $23.1M | $14.7M | $21.5M |
| CapEx | -$9000 | -$150000 | -$960000 | -$4.0M | -$3.1M | -$1.2M | -$607000 | -$1.7M | -$1.5M | -$889000 |
| Aquisições | 0 | 0 | 0 | $161.3M | 0 | 0 | 0 | -$2.2M | $7.9M | 0 |
| Recompra de Ações | 0 | 0 | 0 | 0 | 0 | -$10.0M | -$9.4M | 0 | -$842000 | -$7.9M |
| Dividendos Pagos | 0 | 0 | -$200000 | -$1.3M | -$2.7M | -$4.4M | -$6.5M | -$7.4M | -$7.6M | -$8.7M |
| Fluxo de Caixa Livre | $13.6M | $12.7M | $16.1M | $13.1M | $15.0M | $11.7M | $23.4M | $21.4M | $13.2M | $20.6M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Crescimento Receita (anual) | +6.3% | +11.2% | +11.7% | +5.4% | +11.2% | +6.8% | +33.5% | +24.4% | +6.0% | |
| Crescimento Lucro Líquido (anual) | -7.0% | +33.5% | -31.0% | +36.1% | +62.9% | +17.8% | -2.8% | -60.2% | +81.7% | |
| Crescimento LPA (anual) | -20.6% | +11.0% | -32.0% | +35.1% | +65.2% | +24.3% | -2.1% | -61.7% | +73.9% | |
| Variação de Ações (anual) | +15.3% | +18.7% | +0.3% | -0.4% | -0.8% | -5.4% | -0.9% | +3.6% | +3.6% | |
| Crescimento FCF (anual) | -6.7% | +26.9% | -18.5% | +14.7% | -21.9% | +99.6% | -8.5% | -38.3% | +56.0% | |
| Margem Bruta | 83.8% | 75.2% | 75.2% | 63.4% | 72.8% | 86.1% | 91.9% | 65.6% | 53.1% | 55.8% |
| Margem Operacional | 34.1% | 29.3% | 31.3% | 19.5% | 26.0% | 39.5% | 43.1% | 28.8% | 9.8% | 17.0% |
| Margem EBITDA | 36.1% | 30.9% | 32.5% | 21.5% | 28.8% | 42.1% | 45.7% | 30.7% | 11.5% | 18.9% |
| Margem Líquida | 24.8% | 21.7% | 26.0% | 16.1% | 20.8% | 30.4% | 33.6% | 24.4% | 7.8% | 13.4% |
| Margem FCF | 28.4% | 24.9% | 28.4% | 20.7% | 22.6% | 15.8% | 29.6% | 20.3% | 10.1% | 14.8% |
| Taxa Efetiva de Imposto | 27.4% | 25.9% | 16.9% | 17.6% | 20.2% | 23.0% | 22.2% | 15.1% | 20.1% | 21.4% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| FCF por Ação | $2.70 | $2.19 | $2.34 | $1.90 | $2.18 | $1.72 | $3.63 | $3.35 | $1.99 | $3.00 |
| Dividendo por Ação | $0.00 | $0.00 | $0.03 | $0.19 | $0.39 | $0.64 | $1.00 | $1.17 | $1.15 | $1.26 |
| Ações em Circulação (Básicas) | $4.7M | $5.5M | $6.6M | $6.7M | $6.8M | $6.7M | $6.3M | $6.3M | $6.5M | $6.8M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 9.48% |
| Retorno sobre capital investido | 1.15% |
| Retorno sobre ativos | 1.15% |
| Margem bruta | 64.01% |
| Margem operacional | 24.56% |
| Margem líquida | 18.99% |
Saúde financeira
| Dívida / Patrimônio | 0.07 |
| Liquidez corrente | 87.24 |
| Piotroski F-Score | 6 |
| Altman Z-Score | -0.69 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/L | 10.88 | 16.98 | 12.57 | 20.85 | 11.48 | 8.70 | 7.57 | 8.76 | 21.93 | 12.71 |
| P/VP | 1.24 | 1.11 | 1.00 | 1.08 | 0.76 | 0.90 | 0.91 | 0.94 | 0.86 | 0.87 |
| P/V | 2.69 | 3.68 | 3.27 | 3.36 | 2.39 | 2.64 | 2.54 | 2.14 | 1.71 | 1.70 |
| Margem Bruta | 83.8% | 75.2% | 75.2% | 63.4% | 72.8% | 86.1% | 91.9% | 65.6% | 53.1% | 55.8% |
| Margem Operacional | 34.1% | 29.3% | 31.3% | 19.5% | 26.0% | 39.5% | 43.1% | 28.8% | 9.8% | 17.0% |
| Margem Líquida | 24.8% | 21.7% | 26.0% | 16.1% | 20.8% | 30.4% | 33.6% | 24.4% | 7.8% | 13.4% |
Empresas relacionadas: AVBH · CFFI · FCCO · FSFG · FUNC · FVCB · HWBK
Explorar setor: Financial Services · Banks - Regional
Mais seções de BPRN: Resumo · Avaliação · Estatísticas · Estimativas · Técnico · Propriedade · Notícias · Eventos
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