Princeton Bancorp (BPRN) came out with quarterly earnings of $0.95 per share, beating the Zacks Consensus Estimate of $0.94 per share. This compares to earnings of $0.63 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +1.06%. A quarter ago, it was expected that this bank would post a loss of $0.02 per share when it actually produced earnings of $0.1, delivering a surprise of +600%.Over the last four quarters, the company has s ...

Exhibit 99.1 For Immediate Release Contact George Rapp 609.454.0718 grapp@thebankofprinceton.com Princeton Bancorp Announces Third Quarter 2025 Results Princeton, NJ, October 29, 2025 / - Princeton Bancorp, Inc. (the "Company") (NASDAQ - BPRN), the bank holding company for The Bank of Princeton (the "Bank"), today reported its unaudited financial condition at, and its results of operations for the quarter and nine months ended, September 30, 2025. Total assets were $2.23 billion at September 30, 2025, a dec ...

Total deposits on September 30, 2025, decreased $104.0 million, or 5.12%, when compared to December 31, 2024. The decrease in the Company's deposits consisted primarily of decreases in certificates of deposit of $62.8 million, money market deposits of $25.3 million, non-interest-bearing demand deposits of $6.6 million, interest- bearing demand deposits of $6.3 million, and savings deposits of $2.9 million. On balance sheet liquidity remains strong at September 30, 2025. Total stockholders' equity at Septemb ...

Core Insights - A downtrend has been observed in Princeton Bancorp (BPRN), with a stock loss of 7.9% over the past four weeks, but a hammer chart pattern suggests a potential trend reversal [1][2] - Rising optimism among Wall Street analysts regarding future earnings enhances the prospects for a trend reversal [2][7] Technical Analysis - The hammer chart pattern indicates a potential bottom, formed when a stock opens lower, makes a new low, but then closes near or above the opening price, suggesting that bulls may be gaining control [4][5] - Hammer patterns can occur across various timeframes and are utilized by both short-term and long-term investors [5] Fundamental Analysis - There has been an upward trend in earnings estimate revisions for BPRN, which is considered a bullish indicator [7] - The consensus EPS estimate for the current year has increased by 3% over the last 30 days, indicating analysts' agreement on the company's potential for better earnings [8] Zacks Rank - BPRN currently holds a Zacks Rank 1 (Strong Buy), placing it in the top 5% of over 4,000 ranked stocks, which typically outperform the market [9][10] - A Zacks Rank of 1 serves as a strong indicator of a potential trend reversal, helping investors identify improving company prospects [10]

Core Insights - Three stocks are highlighted with strong income characteristics and a buy rank as of October 13th Group 1: T. Rowe Price (TROW) - T. Rowe Price is a global investment management organization offering a variety of mutual funds and account management services [1] - The Zacks Consensus Estimate for T. Rowe Price's current year earnings has increased by 3.2% over the last 60 days [1] Group 2: Princeton Bancorp, Inc. (BPRN) - Princeton Bancorp, Inc. provides various banking products and services [2] - The Zacks Consensus Estimate for Princeton Bancorp's current year earnings has increased by 3% over the last 60 days [2] - Princeton Bancorp has a dividend yield of 4%, compared to the industry average of 2.6% [2] Group 3: Richardson Electronics (RELL) - Richardson Electronics is a global provider of engineered solutions, including product manufacturing and systems integration [3] - The Zacks Consensus Estimate for Richardson Electronics' current year earnings has increased by 52.9% over the last 60 days [3] - Richardson Electronics has a dividend yield of 2.1%, compared to the industry average of 0.8% [3]

Core Viewpoint - Princeton Bancorp (BPRN) has been upgraded to a Zacks Rank 2 (Buy), indicating a positive outlook based on rising earnings estimates, which significantly influence stock prices [1][3]. Earnings Estimates and Stock Performance - The Zacks rating system emphasizes the correlation between changes in earnings estimates and stock price movements, suggesting that revisions in earnings estimates can lead to significant price changes [4][6]. - For Princeton Bancorp, the Zacks Consensus Estimate has increased by 8% over the past three months, with an expected earnings per share of $2.76 for the fiscal year ending December 2025, showing no year-over-year change [8]. Zacks Rating System - The Zacks Rank system classifies stocks into five groups based on earnings estimates, with only the top 20% receiving a "Strong Buy" or "Buy" rating, indicating superior earnings estimate revisions [9][10]. - The Zacks Rank 2 upgrade for Princeton Bancorp places it among the top 20% of Zacks-covered stocks, suggesting potential for market-beating returns in the near term [10].

Financial Performance - The Company reported a net income of $688 thousand, or $0.10 per diluted common share, for Q2 2025, a decrease from $5.1 million, or $0.80 per diluted common share, in Q2 2024[141]. - The Company reported a net income of $6.1 million, or $0.88 per diluted common share, for the six-month period ended June 30, 2025, a decrease from $9.5 million, or $1.48 per diluted common share, for the same period in 2024[153]. - Total non-interest income for Q2 2025 was $2.3 million, reflecting a 7.9% increase compared to the same period in 2024[145]. - Non-interest income rose by $369 thousand, or 9.1%, for the six-month period ended June 30, 2025, compared to the same period in 2024[157]. - The effective tax rate for Q2 2025 was (15.4)%, compared to an effective tax rate of 16.8% in Q2 2024[148]. - The effective tax rate for the six-month period ended June 30, 2025, was 18.9%, compared to 18.2% for the same period in 2024[159]. Asset and Liability Management - Total assets decreased by $98.6 million, or 4.21%, to $2.24 billion at June 30, 2025, compared to $2.34 billion at the end of 2024[120]. - Total deposits decreased by $100.3 million, or 4.93%, to $1.93 billion at June 30, 2025[127]. - The Company had approximately $599.8 million in uninsured deposits as of June 30, 2025[128]. - The Company maintained a $100.0 million letter of credit with the FHLB supporting municipal deposits as of June 30, 2025[132]. - Total stockholders' equity decreased by $94 thousand, or 0.04%, to $236.5 million at June 30, 2025[130]. - The ratio of equity to total assets improved to 11.7% at June 30, 2025, from 11.2% at December 31, 2024[130]. Loan and Credit Management - Net loans increased by $20.4 million, or 1.12%, to $1.84 billion at June 30, 2025, driven by a $40.5 million increase in residential mortgages[123]. - The provision for credit losses was recorded at $7.0 million in Q2 2025, primarily due to a loan charge-off of $9.9 million[144]. - The provision for credit losses was $7.2 million for the six-month period ended June 30, 2025, compared to only $68 thousand for the same period in 2024, largely due to a charge-off of $9.9 million[156]. - Non-performing assets totaled $16.5 million, a decrease of $10.6 million, with non-performing assets as a percentage of total loans at 0.90%[126]. Interest Income and Expense - Interest income increased by $3.3 million in Q2 2025, driven by a $3.6 million increase in loan interest income due to a $260 million increase in the average balance of loans[142]. - Interest income increased by $8.6 million for the six months ended June 30, 2025, primarily due to an increase in the average balance of loans by $280.1 million[154]. - The average balance of interest-bearing deposits increased by $213.9 million, contributing to a total interest expense of $13.9 million in Q2 2025[143]. - Interest expense on deposits rose by $2.4 million to $28.5 million for the six-month period ended June 30, 2025, due to an increase in the average balance of interest-bearing deposits[155]. Capital Adequacy - Total capital to risk-weighted assets ratio was 13.048% as of June 30, 2025, exceeding the well-capitalized requirement of 10.000%[140]. - Tier 1 capital to risk-weighted assets ratio was 12.004% as of June 30, 2025, above the minimum requirement of 8.000%[140]. Market Risk Management - The Company actively manages market risk, particularly interest rate risk, through its Asset/Liability Committee, which regularly reviews policies and risk positions[164]. - The cumulative interest-rate sensitivity gap as a percentage of total assets at June 30, 2025, was -38.06%[169]. - The net portfolio value (NPV) under a 300 basis points rate shock decreased by $39,629,000, representing an 11.81% decline[174]. - The NPV ratio under static conditions was 14.93%[174]. - The company reported a decrease in NPV of $12,761,000, or 3.80%, under a 100 basis points rate shock[174]. Internal Controls and Reporting - There were no changes in the company's internal control over financial reporting that materially affected its effectiveness during the quarter ended June 30, 2025[178]. - The company’s disclosure controls and procedures were deemed effective as of June 30, 2025[177]. Investment Securities - Total available-for-sale investment securities decreased by $22.4 million, or 9.1%, to $224.8 million at June 30, 2025[122]. - The total amount of investment securities was $224,920,000, with a loss of $(10,767,000)[169].

Group 1 - Princeton Bancorp reported revenue of $21.06 million for the quarter ended June 2025, representing a 16.6% increase year-over-year [1] - The company's EPS was $0.10, a significant decrease from $0.80 in the same quarter last year, with an EPS surprise of +600% compared to the consensus estimate of -$0.02 [1] - The reported revenue was a surprise of -1.95% against the Zacks Consensus Estimate of $21.48 million [1] Group 2 - Key metrics for Princeton Bancorp include average interest-earning assets of $2.13 billion, which was below the two-analyst average estimate of $2.17 billion [4] - The net charge-offs to average loans ratio was 2.1%, slightly better than the estimated 2.2% [4] - The adjusted efficiency ratio was reported at 63.1%, compared to the average estimate of 62.7% [4] - The net interest margin was 3.5%, slightly below the estimated 3.6% [4] - Total noninterest income was $2.25 million, exceeding the average estimate of $2.19 million [4] - Net interest income was reported at $18.81 million, lower than the average estimate of $19.26 million [4] Group 3 - Shares of Princeton Bancorp have returned +8.3% over the past month, outperforming the Zacks S&P 500 composite's +5.7% change [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance in the near term [3]

Core Viewpoint - Princeton Bancorp reported quarterly earnings of $0.1 per share, exceeding the Zacks Consensus Estimate of a loss of $0.02 per share, representing an earnings surprise of +600.00% [1][2] Financial Performance - The company posted revenues of $21.06 million for the quarter ended June 2025, which was 1.95% below the Zacks Consensus Estimate, compared to $18.06 million in the same quarter last year [2] - Over the last four quarters, Princeton Bancorp has surpassed consensus EPS estimates two times and topped consensus revenue estimates just once [2] Stock Performance - Princeton Bancorp shares have declined approximately 5.6% since the beginning of the year, while the S&P 500 has gained 8.1% [3] - The current Zacks Rank for the stock is 4 (Sell), indicating expectations of underperformance in the near future [6] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.90 on revenues of $22.01 million, and for the current fiscal year, it is $2.56 on revenues of $86.67 million [7] - The trend of estimate revisions for Princeton Bancorp was unfavorable prior to the earnings release, which may impact future stock movements [6][5] Industry Context - The Banks - Northeast industry, to which Princeton Bancorp belongs, is currently ranked in the top 23% of over 250 Zacks industries, suggesting a favorable outlook compared to lower-ranked industries [8]

Core Viewpoint - Princeton Bancorp, Inc. reported a significant decline in net income for the second quarter of 2025, primarily due to increased provisions for credit losses, despite improvements in net interest income and non-interest income, along with reduced operating expenses. The company anticipates stronger earnings in the latter half of 2025 [2][3]. Financial Performance - The company recorded net income of $688 thousand, or $0.10 per diluted common share, for Q2 2025, a decrease from $5.4 million, or $0.77 per diluted common share, in Q1 2025, and $5.1 million, or $0.80 per diluted common share, in Q2 2024 [3][21]. - Net interest income for Q2 2025 was $18.8 million, an increase of $53 thousand from Q1 2025 and an increase of $2.8 million compared to Q2 2024 [8][21]. - The provision for credit losses was $7.0 million in Q2 2025, significantly higher than the previous quarters, reflecting a charge-off of $9.9 million [10][21]. Asset Quality - Non-performing assets totaled $16.5 million as of June 30, 2025, a decrease of $10.6 million compared to December 31, 2024 [7]. Financial Condition - Total assets decreased to $2.24 billion as of June 30, 2025, down $98.6 million, or 4.21%, from the end of 2024, primarily due to declines in cash and cash equivalents and investment securities [4]. - Total deposits fell by $100.3 million, or 4.93%, to $1.93 billion as of June 30, 2025, driven by decreases in various deposit categories [5]. - Stockholders' equity slightly decreased by $94 thousand, or 0.04%, to $261.9 million, influenced by treasury stock purchases [6]. Non-Interest Income and Expenses - Total non-interest income for Q2 2025 was $2.3 million, an increase of $61 thousand, or 2.8%, from Q1 2025, and an increase of $164 thousand, or 7.9%, from Q2 2024 [11]. - Non-interest expenses totaled $13.5 million for Q2 2025, a decrease of $283 thousand, or 2.1%, from Q1 2025, but an increase of $1.5 million, or 12.5%, from Q2 2024 [12]. Outlook - The company expects stronger earnings in the second half of 2025, despite the challenges faced in the first half [2].