BPRN FINANCIAL STATEMENTS

Bank Of Princeton — balance sheet, income statement and cash flow trends

BPRNBank Of Princeton

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue137.1 M $+0.4%

Gross Profit78.4 M $+7.4%

Operating Income24.8 M $+73.8%

EBITDA27.5 M $+64.3%

Net Income19.5 M $+72.6%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
BPRN	—	—	—	14.2%
ISBTR	—	—	—	28.1%
ICBCT	—	—	—	24.7%
ISATR	—	—	—	28.1%
TSKB	—	—	—	54.9%
NWG	—	—	—	20.1%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity273.6 M $12%
Current Liabilities2 B $87%
Long-term Liabilities29.4 M $1%

Key Figures

YoY change

Total Assets2.3 B $-2.8%

Total Liabilities2 B $-3.5%

Total Equity273.6 M $+2.5%

Cash & ST Investments235 M $+12.0%

Total Debt21.3 M $-4.2%

Net Debt-98.5 M $—

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
BPRN	0.12	7.8%	-7.78	12.1%
ISBTR	—	0.0%	-28.33	8.5%
ICBCT	—	0.0%	-20.34	4.0%
ISATR	—	0.0%	-28.34	8.5%
TSKB	—	0.0%	-0.47	13.4%
NWG	0.25	17.0%	-14.68	5.2%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
BPRN	0.12	7.8%	-7.78	12.1%
ATLO	53.78	26.5%	-23.31	9.7%
CFFI	1.35	38.9%	-8.44	9.4%
LCNB	1.20	40.2%	3.10	12.3%
OVLY	0.09	—	—	10.3%
VABK	0.02	15.8%	0.25	11.3%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow25.4 M $+128.1%

Capital Expenditures963 K $-41.8%

Free Cash Flow24.5 M $+157.7%

Dividends Paid-9.1 M $-215.7%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
BPRN	18.6%	17.9%	0.7%	130.7%
ISBTR	28.1%	-3.3%	31.4%	100.0%
ICBCT	24.7%	29.9%	5.1%	100.0%
ISATR	28.1%	-3.3%	31.4%	100.0%
TSKB	54.9%	71.9%	17.0%	100.0%
NWG	—	—	0.0%	—
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
BPRN	18.6%	17.9%	0.7%	130.7%
ATLO	22.7%	22.5%	1.0%	104.8%
CFFI	7.3%	5.8%	1.4%	48.6%
LCNB	28.4%	27.4%	1.0%	153.7%
OVLY	32.1%	28.8%	9.5%	120.2%
VABK	31.9%	31.6%	1.1%	132.2%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.