Parke Bancorp (PKBK) AI Stock Analysis

• Market Cap: $327.69M
• Dividend Yield: 2.84%
• Average Volume (3M): 32.57K
• Price to Earnings (P/E): 8.9
• Beta (1Y): 0.66
• Revenue Growth: 12.91%
• EPS Growth: 21.72%
• Country: US
• Employees: 99
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.93
• Shares Outstanding: 11,595,553
• 10 Day Avg. Volume: 52,924
• 30 Day Avg. Volume: 32,566
• PEG Ratio: -2.65
• Price to Book (P/B): 0.82
• Price to Sales (P/S): 1.89
• P/FCF Ratio: 7.00
• Enterprise Value/Market Cap: 0.55
• Enterprise Value/Revenue: 1.27
• Enterprise Value/Gross Profit: 2.53
• Enterprise Value/Ebitda: 4.02
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 76 Outperform
• Price Target: $32.00 ▲(39.62% Upside)

The score is driven primarily by solid financial performance (good profitability and cash conversion with improving ROE) and supportive technical trends (price above key moving averages with positive momentum). Valuation further lifts the score due to the low P/E and a moderate dividend yield, while financial normalization from prior peak years and some balance-sheet reporting ambiguity temper the upside.

Positive Factors

Revenue Growth

Consistent revenue growth indicates expanding market reach and effective business strategies, supporting long-term financial stability.

Profitability

Strong profit margins reflect efficient operations and pricing power, contributing to sustainable profitability and competitive advantage.

Dividend Policy

A consistent dividend policy demonstrates financial health and management's confidence in future earnings, enhancing shareholder value.

Negative Factors

Cash Flow Constraints

Low operating cash flow relative to net income may limit financial flexibility and investment capacity, impacting long-term growth.

Reliance on Debt

Reliance on debt can increase financial risk and interest obligations, potentially affecting future profitability and stability.

Gross Profit Margin Pressure

Declining gross profit margins suggest rising costs or pricing challenges, which could erode profitability if not addressed.

Parke Bancorp Business Overview & Revenue Model

Company Description

Parke Bancorp (PKBK) is a bank holding company based in New Jersey, primarily engaged in providing a wide range of financial services through its subsidiary, Parke Bank. The bank operates in the commercial banking sector, offering services including personal and business banking, lending, mortgages, and investment services. Parke Bancorp focuses on serving the needs of individuals, small businesses, and commercial clients, with a strong emphasis on community involvement and customer service.

How the Company Makes Money

Parke Bancorp generates revenue through several key streams. The primary source of income is net interest income, which is earned from the interest on loans provided to customers, including commercial real estate loans, residential mortgages, and consumer loans, minus the interest paid on deposits. Additionally, the bank earns non-interest income from various fees associated with services such as account maintenance, transaction processing, and other banking services. Parke Bancorp also benefits from partnerships with local businesses and community organizations, which enhance its market presence and customer base. The bank's focus on prudent lending practices and strong risk management further contributes to its financial stability and profitability.

Parke Bancorp Financial Statement Overview

Summary

Financials are solid overall: healthy profitability (TTM net margin ~24%), improving returns (ROE ~11% TTM), and strong cash conversion with free cash flow roughly matching net income. Key cautions are normalization from unusually strong 2021–2022 profitability and a less clean leverage trend due to the sharp shift to reported zero total debt in TTM versus meaningful debt in 2024.

Income Statement

PKBK shows solid profitability with healthy operating and net margins in the most recent periods (TTM (Trailing-Twelve-Months) net margin ~24%). Revenue growth appears to be positive in TTM and 2024, indicating continued top-line expansion. That said, profitability is meaningfully below the unusually strong 2021–2022 levels, suggesting margins and earnings power have normalized and are less resilient than the peak period.

Balance Sheet

The balance sheet looks generally sound, with return on equity improving to ~11% in TTM (Trailing-Twelve-Months) from ~9% in 2024, and equity steadily building over time. Leverage improved materially versus 2020 (debt-to-equity was high then), and 2023–2024 leverage sits at moderate levels for a regional bank. A key watch item is the sharp shift to reported zero total debt in TTM (Trailing-Twelve-Months) versus meaningful debt in 2024, which could reflect reporting classification changes and makes trend interpretation less clean.

Cash Flow

Cash generation is a clear strength: free cash flow is consistently close to net income across periods (about 1:1), supporting earnings quality. TTM (Trailing-Twelve-Months) free cash flow growth is positive and free cash flow remains strong. The main weakness is volatility—operating and free cash flow dipped in 2023 before rebounding—so cash conversion is good, but not perfectly steady year to year.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	142.33M	129.41M	119.40M	95.86M	90.87M	88.72M
Gross Profit	71.77M	62.28M	72.96M	79.91M	77.42M	59.18M
EBITDA	45.07M	36.87M	38.15M	56.72M	55.60M	39.38M
Net Income	34.09M	27.51M	28.46M	41.82M	40.76M	28.43M
Balance Sheet
Total Assets	2.17B	2.14B	2.02B	1.98B	2.14B	2.08B
Cash, Cash Equivalents and Short-Term Investments	159.31M	221.53M	187.47M	191.52M	609.90M	478.48M
Total Debt	83.40M	188.30M	168.11M	126.07M	120.88M	267.22M
Total Liabilities	1.86B	1.84B	1.74B	1.72B	1.90B	1.88B
Stockholders Equity	314.84M	300.07M	284.32M	266.03M	232.36M	200.93M
Cash Flow
Free Cash Flow	33.03M	35.04M	23.02M	43.30M	38.58M	36.27M
Operating Cash Flow	33.63M	35.13M	23.02M	43.45M	38.64M	36.52M
Investing Cash Flow	-119.35M	-80.07M	-34.89M	-262.94M	79.19M	-133.79M
Financing Cash Flow	72.59M	86.06M	10.10M	-194.91M	20.12M	364.26M

Parke Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 22.92
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PKBK, the sentiment is Positive. The current price of 22.92 is below the 20-day moving average (MA) of 26.20, below the 50-day MA of 24.90, and above the 200-day MA of 21.60, indicating a bullish trend. The MACD of 0.94 indicates Negative momentum. The RSI at 78.13 is Negative, neither overbought nor oversold. The STOCH value of 82.56 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PKBK.

Parke Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TSBK	79 Outperform	$308.30M	10.16	11.48%	2.91%	8.17%	21.95%
LNKB	77 Outperform	$334.12M	9.93	13.09%	3.61%	15.66%	―
PKBK	76 Outperform	$327.69M	8.94	11.15%	2.84%	12.91%	21.72%
CHMG	72 Outperform	$296.10M	19.64	5.69%	2.40%	-6.25%	-38.79%
ISBA	68 Neutral	$364.77M	20.23	8.27%	2.13%	7.29%	33.75%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FRST	58 Neutral	$347.49M	5.66	2.25%	3.06%	9.90%	―

Parke Bancorp Corporate Events

Parke Bancorp Declares Quarterly Dividend Payment

On December 17, 2025, Parke Bancorp, Inc. declared a cash dividend of $0.18 per share, payable on January 16, 2026, to shareholders of record as of January 2, 2026. The company aims to make quarterly cash dividend payments, subject to evaluations of its financial condition and regulatory requirements. This move underscores Parke Bancorp’s commitment to providing shareholder returns, reflecting its stable financial position and potential for sustained profitability.

The most recent analyst rating on (PKBK) stock is a Hold with a $23.00 price target. To see the full list of analyst forecasts on Parke Bancorp stock, see the PKBK Stock Forecast page.