Princeton Bancorp, Inc. (BPRN) vs Virginia National Bankshares Corporation (VABK)

Princeton Bancorp, Inc. and Virginia National Bankshares Corporation are both Banks Regional companies. Princeton Bancorp, Inc. and Virginia National Bankshares Corporation are of similar size ($295.6M and $279.1M). Virginia National Bankshares Corporation trades at the lower P/E: 11.1× against 11.5×. Virginia National Bankshares Corporation grew revenue faster over the last twelve months: 5.24% against −2.79%. Virginia National Bankshares Corporation has the higher net margin (28.2% vs 19.0%) and the higher return on invested capital (14.1% vs 9.78%). Both pay a dividend; Princeton Bancorp, Inc. yields more (3.19% vs 2.83%). Across the 19 metrics below, Virginia National Bankshares Corporation leads on 13 and Princeton Bancorp, Inc. on 6.

Valuation

Metric BPRN VABK Banks Regional median
P/E 11.52 11.10 11.98
P/S 2.20 3.13 2.34
P/B 1.07 1.42 1.19
Price to free cash flow 12.79 11.98 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.68% 9.01% 8.23%
Free cash flow yield 7.82% 8.35% 9.08%

Profitability

Metric BPRN VABK Banks Regional median
Gross margin 63.21% 72.27% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.99% 28.18% 18.66%
Free cash flow margin 17.17% 26.16% 21.11%
Return on equity 9.54% 13.57% 10.65%
Return on assets 1.13% 1.52% 1.13%
Return on invested capital 9.78% 14.14% 8.35%

Growth

Metric BPRN VABK Banks Regional median
Revenue growth (TTM) (2.79%) 5.24% 6.98%
EPS growth (last fiscal year) 74.84% 12.70% 18.88%
Revenue growth, 5-year CAGR 15.90% 19.78% 12.38%
Net income growth, 5-year CAGR 6.15% 19.28% 9.71%

Health

Metric BPRN VABK Banks Regional median
Debt to equity 0.00 0.10 0.22
Current ratio 0.94 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BPRN VABK Banks Regional median
Dividend yield 3.19% 2.83% 2.57%
Payout ratio 0.37 0.32 0.30

Size

Metric BPRN VABK Banks Regional median
Market cap 295.56m 279.11m 913.33m

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