Princeton Bancorp, Inc. (BPRN) vs NewtekOne, Inc. (NEWT)

Princeton Bancorp, Inc. and NewtekOne, Inc. are both Banks Regional companies. Princeton Bancorp, Inc. and NewtekOne, Inc. are of similar size ($308.3M and $299.7M). NewtekOne, Inc. trades at the lower P/E: 4.8× against 11.6×. NewtekOne, Inc. grew revenue faster over the last twelve months: 11.7% against −2.79%. Princeton Bancorp, Inc. has the higher net margin (19.0% vs 15.2%) and the higher return on invested capital (9.78% vs 5.17%). Both pay a dividend; NewtekOne, Inc. yields more (7.10% vs 3.18%). Across the 20 metrics below, NewtekOne, Inc. leads on 12 and Princeton Bancorp, Inc. on 8.

Valuation

Metric BPRN NEWT Banks Regional median
P/E 11.56 4.78 12.02
P/S 2.20 0.75 2.36
P/B 1.07 0.84 1.23
Price to free cash flow 12.83 n/m 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.65% 20.93% 8.21%
Free cash flow yield 7.79% (242.49%) 9.23%

Profitability

Metric BPRN NEWT Banks Regional median
Gross margin 63.21% 100.00% 69.81%
Operating margin 0.00% 62.85% 0.00%
Net margin 18.99% 15.20% 18.82%
Free cash flow margin 17.17% (181.88%) 17.97%
Return on equity 9.54% 18.79% 10.28%
Return on assets 1.13% 2.33% 1.13%
Return on invested capital 9.78% 5.17% 8.45%

Growth

Metric BPRN NEWT Banks Regional median
Revenue growth (TTM) (2.79%) 11.71% 6.37%
EPS growth (last fiscal year) 74.84% 11.22% 18.85%
Revenue growth, 5-year CAGR 15.90% 32.97% 12.65%
Net income growth, 5-year CAGR 6.15% 11.59% 9.81%

Health

Metric BPRN NEWT Banks Regional median
Debt to equity 0.00 6.54 0.17
Current ratio 0.94 0.65 0.93
Net debt to EBITDA 0.00 11.44 0.00

Dividend

Metric BPRN NEWT Banks Regional median
Dividend yield 3.18% 7.10% 2.49%
Payout ratio 0.37 0.34 0.29

Size

Metric BPRN NEWT Banks Regional median
Market cap 299.68m 308.28m 934.85m

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