Princeton National Bancorp, Inc. (PNBC) Stock Price & Analysis
Educational signal · not a buy or sell recommendation · How to read this
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 18, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerPrinceton National Bancorp, Inc. (PNBC) trades at $0.00001. Princeton National Bancorp, Inc. previously operated as a holding company for Citizens First National Bank, offering commercial banking and trust services. Currently, the company does not have significant operations. Sector: Financials.
Price as of · Last analyzed: Mar 18, 2026Analyst Coverage for PNBC: PNBC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage.
No score published: we hold no usable price for this ticker, and a grade beside a missing price says nothing.
Princeton National Bancorp, Inc. (PNBC) Financial Services Profile
Princeton National Bancorp, Inc., formerly a holding company for Citizens First National Bank, now lacks significant operations. Once providing commercial banking and trust services in Illinois, the company's current market position is inactive, reflecting a substantial shift from its original function within the regional banking sector.
What Is the Investment Thesis for PNBC?
Princeton National Bancorp, Inc. presents a unique investment profile due to its current lack of significant operations, contrasting with its historical role as a bank holding company. With a market capitalization of $0.00B and a negative P/E ratio, traditional valuation metrics offer limited insight. The company's negative profit margin of -112.6% and a beta of -99074.81 highlight its atypical financial characteristics. Potential investors should focus on understanding the reasons behind the cessation of active operations and any potential plans for future activities. The absence of a dividend yield further underscores the need for thorough due diligence to assess any potential value drivers or risks associated with the company's current state. Any investment consideration should be predicated on a clear understanding of the company's strategic direction and potential for future value creation.
Based on FMP financials and quantitative analysis
PNBC Key Highlights
Market Cap of $0.00B indicates the company's small size and limited market presence.
- P/E Ratio of -0.00 reflects the company's lack of profitability.
- Profit Margin of -112.6% suggests significant losses or expenses exceeding revenue.
- Gross Margin of 100.0% may reflect accounting anomalies given the lack of significant operations.
- Beta of -99074.81 indicates an extremely low correlation with the overall market, likely due to inactivity.
Who Are PNBC's Competitors?
PNBC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| OPHC OptimumBank Holdings, Inc. | $9.04 | +4.03% | $110M | 88 5-pillar |
| SBFG SB Financial Group, Inc. | $29.40 | 0.00% | $184M | 90 5-pillar |
| FCAP First Capital, Inc. | $62.90 | +1.45% | $210M | 88 5-pillar |
| HWBK Hawthorn Bancshares, Inc. | $38.63 | +1.02% | $267M | 89 5-pillar |
| FXNC First National Corporation | $30.06 | +1.45% | $272M | 88 5-pillar |
| ATLO Ames National Corporation | $32.36 | +1.99% | $287M | 91 5-pillar |
| BPRN Princeton Bancorp, Inc. | $43.72 | +1.30% | $298M | 90 5-pillar |
| CFFI C&F Financial Corporation | $98.30 | +1.50% | $320M | 91 5-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are PNBC's Key Strengths?
Historical presence in the Illinois banking market.
- Existing infrastructure and licenses (if still valid).
- Potential for restructuring and re-emergence.
- Brand recognition in its former service area.
What Are PNBC's Weaknesses?
Lack of current operations and revenue generation.
- Negative profit margin and financial performance.
- Uncertainty regarding future strategic direction.
- Potential loss of customer relationships and market share.
What Are the Key Risks for PNBC?
Continued lack of operations and revenue generation.
- Further deterioration of financial condition.
- Inability to restructure or re-enter the market.
- Limited liquidity and trading volume on the OTC market.
- Regulatory and compliance challenges.
What Threats Does PNBC Face?
- Competition from larger regional and national banks.
- Regulatory changes and compliance costs.
- Economic downturn and reduced demand for banking services.
- Potential for further deterioration of financial condition.
What Are PNBC's Competitive Advantages?
- Historically, the bank benefited from its local presence and customer relationships.
- Trust services provided a degree of customer stickiness.
- Brand recognition within its service area could have been a competitive advantage.
What Does PNBC Do?
Princeton National Bancorp, Inc. was incorporated in 1981 and headquartered in Princeton, Illinois. The company's historical purpose was to serve as the holding company for Citizens First National Bank. Citizens First National Bank provided a range of commercial banking services, including loans, deposit accounts, and other financial products, to individuals and businesses within its Illinois service area. Additionally, the bank offered trust services, managing assets and providing fiduciary services for its clients. Over time, Princeton National Bancorp's operational status has changed. Currently, the company does not have significant operations, marking a notable shift from its previous role as an active banking entity. The reasons for this change are not specified in the provided information, but it suggests a significant restructuring or cessation of banking activities. The company's history reflects its involvement in the regional banking sector, but its present state indicates a departure from active banking operations.
What Products and Services Does PNBC Offer?
- Historically, Princeton National Bancorp operated as a holding company.
- It oversaw the operations of Citizens First National Bank.
- Citizens First National Bank provided commercial banking services.
- The bank offered trust services to its clients.
- It served individuals and businesses in Illinois.
- Currently, the company does not have significant operations.
How Does PNBC Make Money?
- Previously, the company generated revenue through interest income from loans.
- It also earned fees from banking and trust services.
- The business model relied on attracting deposits and lending them out at a higher interest rate.
What Industry Does PNBC Operate In?
Princeton National Bancorp, Inc. previously operated within the regional banking sector, a segment characterized by serving local communities and businesses. The industry is influenced by factors such as interest rates, regulatory changes, and economic conditions. Competitors include other regional banks and financial institutions offering similar services. Given Princeton National Bancorp's current lack of significant operations, its position within the industry is currently inactive, pending any future strategic shifts or resumption of banking activities.
Who Are PNBC's Key Customers?
- Historically, the bank served individual customers in Illinois.
- It also catered to small and medium-sized businesses.
- Trust services were offered to individuals and families seeking wealth management.
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● No usable price
- ● No filing on record
- ● No analyst coverage
Company Profile
Princeton National Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Princeton, US. The company is led by CEO Thomas Ogaard. PNBC has traded publicly since 2022.
PNBC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
PNBC Latest News
No recent news available for PNBC.
PNBC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for PNBC.
Price Targets
Wall Street price target analysis for PNBC.
PNBC MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for PNBC; grades run from A+ (80-100) to F (below 30).
PNBC OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Princeton National Bancorp, Inc. may not meet the minimum financial standards or reporting requirements for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited information available to investors and may be subject to greater risks due to less stringent listing standards compared to major exchanges like NYSE or NASDAQ. This tier often includes companies that are distressed, defunct, or unwilling to meet higher reporting standards.
- OTC Tier: OTC Other
- Limited information and disclosure requirements.
- Low trading volume and liquidity.
- Potential for price manipulation and fraud.
- Higher risk of financial distress or bankruptcy.
- Lack of regulatory oversight and investor protection.
- Verify the company's legal status and registration.
- Review available financial statements and disclosures.
- Assess the company's management team and track record.
- Evaluate the company's business model and competitive landscape.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor before making any investment decisions.
- Historical operating history as a bank holding company.
- Established headquarters in Princeton, Illinois.
- Prior regulatory oversight as a banking institution.
- Existence of a management team, even if currently inactive.
What Investors Ask About Princeton National Bancorp, Inc. (PNBC) — Financials
What are the main risks for PNBC?
The primary risks for Princeton National Bancorp, Inc. stem from its current lack of significant operations and its listing on the OTC Other tier.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
MoonshotScore is not published for this security.
Data provided for informational purposes only.
- Information is limited due to the company's lack of significant operations.
- OTC market data may be less reliable than major exchange data.