BPRN
Princeton Bancorp, Inc.
BPRN's outlook is improving, though it still trails on the overall score.
MS
Morgan Stanley
MS has the edge over BPRN overall, supported by stronger modeled upside and stronger valuation.
BPRN Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
BPRN's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like BPRN.
MS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MS.
BPRN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.2x | $24.43 | -45% |
| Fair | 12x | $34.48 | -22% |
| Forward | 12x | $44.45 | — |
| Expensive | 14x | $42.58 | -4.2% |
| Current | 15x | $44.45 | — |
Historical ranges are pointers, not guarantees.
BPRN has the edge over MS in the historical PE scenario, which offers more potential upside but is not a forecast.
MS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $134 | -29% |
| Fair | 14x | $178 | -5.7% |
| Forward | 14x | $189 | — |
| Current | 15x | $189 | — |
| Expensive | 18x | $223 | +18% |
Historical ranges are pointers, not guarantees.
MS's PE is in its fair range at 15x. If earnings grow as analysts expect, today's price would be 14x next year's earnings.
BPRN Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for BPRN, with profitability improving.
MS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for MS, with profitability improving.
BPRN Earnings Per Share
BPRN and MS do not have enough comparable growth data to identify a winner.
MS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.39 | +6.3% |
| Q3 2026 | $12.60 | +29% |
| Q2 2026 | $12.37 | +40% |
| Q1 2026 | $11.04 | +29% |
| Q4 2025 | $10.21 | +28% |
| Q3 2025 | $9.76 | +48% |
| Q2 2025 | $8.84 | +45% |
| Q1 2025 | $8.53 | +55% |
| Q4 2024 | $7.95 | +53% |
MS's earnings per share have climbed steadily: $12.60 over the past year, up 29% from the year before, and higher year over year for 10 quarters in a row.
BPRN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $22.5M | +4.4% |
| Q2 2026 | $22.5M | +6.7% |
| Q1 2026 | $21.3M | +1.7% |
| Q4 2025 | $20.7M | +3.6% |
| Q3 2025 | $21.5M | +12% |
| Q2 2025 | $21.1M | +17% |
| Q1 2025 | $20.9M | +20% |
| Q4 2024 | $20M | +13% |
BPRN's revenue has grown year over year for nine quarters in a row: $22M last quarter, up 4.4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 5.7% | -33 points |
| Q2 2026 | 41% | +38 points |
| Q1 2026 | 38% | +4.9 points |
| Q4 2025 | 38% | +4.1 points |
| Q3 2025 | 38% | +68 points |
| Q2 2025 | 2.8% | -31 points |
| Q1 2025 | 33% | +1.8 points |
| Q4 2024 | 34% | -1.2 points |
BPRN's operating margin was 5.7% last quarter, down 33 points from the same quarter a year ago.
MS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $20.3B | +12% |
| Q2 2026 | $21.3B | +27% |
| Q1 2026 | $20.6B | +16% |
| Q4 2025 | $17.9B | +10% |
| Q3 2025 | $18.2B | +18% |
| Q2 2025 | $16.8B | +12% |
| Q1 2025 | $17.7B | +17% |
| Q4 2024 | $16.2B | +26% |
MS has the edge over BPRN on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -1.2 points |
| Q2 2026 | 34% | +6.9 points |
| Q1 2026 | 34% | +2.8 points |
| Q4 2025 | 32% | +2 points |
| Q3 2025 | 33% | +5.6 points |
| Q2 2025 | 28% | +0.4 points |
| Q1 2025 | 31% | +2.2 points |
| Q4 2024 | 30% | +14 points |
MS has the edge over BPRN on profitability, with a higher operating margin.
BPRN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $7M | +51% |
| Q2 2026 | $1.8M | -38% |
| Q1 2026 | $4.9M | +369% |
| Q4 2025 | $12M | +220% |
| Q3 2025 | $4.7M | +508% |
| Q2 2025 | $2.9M | -26% |
| Q1 2025 | $1.1M | -78% |
| Q4 2024 | $3.8M | +40% |
BPRN has the edge over MS on cash generation, producing positive trailing cash flow while its opponent burns cash.
MS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$46B | -$42.7B |
| Q2 2026 | -$2.7B | -123% |
| Q1 2026 | -$7.1B | +$16.9B |
| Q4 2025 | -$2.4B | -120% |
| Q3 2025 | -$3.3B | +$14B |
| Q2 2025 | $11.8B | +368% |
| Q1 2025 | -$24B | -650% |
| Q4 2024 | $11.8B | +$29.6B |
MS's free cash flow was −$58.3B over the past year, against −$3.7B the year before. Free cash flow isn't a meaningful measure for financial services companies like MS.
BPRN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +19K shares |
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $272,000 |
| Q1 2026 | $55,000 |
| Q4 2025 | $304,000 |
| Q3 2025 | $1.9M |
| Q2 2025 | $5.5M |
| Q1 2025 | $163,000 |
| Q4 2024 | — |
BPRN spent $631,000 buying back its own shares over the past year, down 92% from the year before.
MS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -3M shares |
| 1 year | -1.5% | -24M shares |
| 3 years | -4.7% | -77M shares |
| 5 years | -14% | -246M shares |
| Available history | -4.5% | -74M shares |
MS has 1.6B diluted shares, down 1.5% from a year ago.
BPRN Net Leverage
MS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 7.8x | High |
| Q2 2026 | 7.3x | High |
| Q1 2026 | 8.2x | High |
| Q4 2025 | 8.6x | High |
| Q3 2025 | 8.4x | High |
| Q2 2025 | 8.7x | High |
| Q1 2025 | 8.7x | High |
| Q4 2024 | 7.9x | High |
MS's net debt is about 7.8 years of its operating earnings (EBITDA), down from 8.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MS.
BPRN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 63.4 | Neutral |
| Stochastic | 57.8 | Neutral |
BPRN's weekly RSI is 63 (neutral) and its Stochastic is 58 (neutral).
MS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.0 | Neutral |
| Stochastic | 18.7 | Oversold |
MS's weekly RSI is 45 (neutral) and its Stochastic is 19 (oversold).
BPRN PE vs Financial Services Sector
| Metric | BPRN | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 14% above |
| PE % | 88 | 63 | 25 pts above |
BPRN has the edge over MS on valuation relative to its sector.
MS PE vs Financial Services Sector
| Metric | MS | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 15% above |
| PE % | 59 | 63 | 4 pts below |
MS is trading at 15x earnings, a 15% premium to the Financial Services sector's median of 13x.
BPRN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $43.9 | 1.3% above |
| 20 week MA | $42.5 | 4.7% above |
| 50 week MA | $38.2 | 16% above |
| 100 week MA | $35.0 | 27% above |
| 200 week MA | $33.7 | 32% above |
BPRN has the edge over MS on trend strength, trading above more of its moving averages.
MS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $186.5 | 1.5% above |
| 20 week MA | $203.3 | 6.9% below |
| 50 week MA | $191.9 | 1.4% below |
| 100 week MA | $164.9 | 15% above |
| 200 week MA | $129.3 | 46% above |
MS's trend is mixed: it's above three of its five weekly moving averages, and 46% above its 200-week average.
BPRN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $31.9 | $23.6 | -26% |
| 2021 | $23.6 | $29.2 | +23% |
| 2022 | $29.2 | $31.6 | +8.2% |
| 2023 | $31.6 | $35.9 | +14% |
| 2024 | $35.9 | $34.4 | -4.3% |
| 2025 | $34.4 | $35.3 | +2.7% |
| 2026 YTD | $35.3 | $44.5 | +26% |
BPRN has the edge over MS on returns for 2026, with the stronger performance.
MS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $51.1 | $68.1 | +33% |
| 2021 | $68.1 | $99.3 | +46% |
| 2022 | $99.3 | $86.1 | -13% |
| 2023 | $86.1 | $93.3 | +8.3% |
| 2024 | $93.3 | $126.8 | +36% |
| 2025 | $126.8 | $181.9 | +43% |
| 2026 YTD | $181.9 | $189.2 | +4% |
MS has finished higher in five of the last six years. It's up 4% so far in 2026.