Parke Bancorp (PKBK) AI Stock Analysis

• Market Cap: $287.92M
• Dividend Yield: 2.85%
• Average Volume (3M): 23.45K
• Price to Earnings (P/E): 8.8
• Beta (1Y): 0.67
• Revenue Growth: 12.91%
• EPS Growth: 21.72%
• Country: US
• Employees: 99
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.89
• Shares Outstanding: 11,595,553
• 10 Day Avg. Volume: 35,194
• 30 Day Avg. Volume: 23,445
• 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: 1.16
• Enterprise Value/Revenue: 2.35
• Enterprise Value/Gross Profit: 4.67
• Enterprise Value/Ebitda: 7.43
• 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: 70 Neutral
• Price Target: $23.00 ▲(0.35% Upside)

Parke Bancorp's overall stock score is driven by its strong financial performance and attractive valuation. The company's consistent revenue growth and profitability, along with a low P/E ratio and healthy dividend yield, make it appealing. However, technical analysis presents mixed signals, indicating potential short-term volatility.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial stability and expansion.

Profitability

High profit margins reflect efficient operations and strong pricing power, which enhance the company's ability to reinvest in growth and withstand economic fluctuations.

Balance Sheet Health

A stable balance sheet with a low debt-to-equity ratio suggests financial resilience and the capacity to leverage opportunities without excessive risk.

Negative Factors

Cash Flow Constraints

Declining free cash flow growth could limit the company's ability to fund operations and investments, potentially impacting long-term growth and financial flexibility.

Reliance on Debt

Increased reliance on debt can elevate financial risk, especially in volatile market conditions, potentially affecting the company's creditworthiness and investment capacity.

Gross Margin Pressure

Decreasing gross margins may signal rising costs or competitive pressures, which could erode profitability if not managed effectively, impacting long-term financial health.

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

Parke Bancorp demonstrates strong financial health with consistent revenue growth and profitability. The balance sheet is stable with improved leverage ratios, although there is a reliance on debt. Cash flow management is adequate but shows room for improvement. Overall, the company is well-positioned in the regional banking sector, with a solid financial foundation and growth trajectory.

Income Statement

Parke Bancorp's income statement shows a solid performance with consistent revenue growth, evidenced by a 3.52% increase in TTM. The company maintains healthy profit margins, with a net profit margin of 22.46% and an EBIT margin of 29.34% in TTM. However, the gross profit margin has decreased over time, indicating potential cost pressures. Overall, the income statement reflects strong profitability and growth.

Balance Sheet

The balance sheet of Parke Bancorp is stable, with a manageable debt-to-equity ratio of 0.32 in TTM, showing a significant improvement from previous years. The return on equity is 10.20%, indicating efficient use of equity to generate profits. However, the equity ratio is relatively low, suggesting a higher reliance on debt financing. The balance sheet reflects a strong financial position with some leverage concerns.

Cash Flow

Cash flow analysis reveals a slight decline in free cash flow growth at -6.43% in TTM, which could be a concern if it persists. The operating cash flow to net income ratio is low at 0.018, indicating potential cash flow constraints. However, the free cash flow to net income ratio is strong at 0.98, showing effective cash generation relative to net income. Overall, cash flow management is adequate but could improve.

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	173.17M	221.53M	187.47M	191.52M	609.90M	478.48M
Total Debt	0.00	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 23.07, above the 50-day MA of 21.97, and above the 200-day MA of 20.44, indicating a bullish trend. The MACD of 0.85 indicates Negative momentum. The RSI at 82.39 is Negative, neither overbought nor oversold. The STOCH value of 96.95 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	82 Outperform	$292.12M	10.09	11.48%	2.81%	8.17%	21.95%
CHMG	78 Outperform	$242.13M	18.09	5.69%	2.24%	-6.25%	-38.79%
ISBA	75 Outperform	$317.17M	17.59	8.27%	2.28%	7.29%	33.75%
LNKB	75 Outperform	$289.16M	7.53	13.09%	3.64%	15.66%	―
PKBK	70 Neutral	$287.92M	8.76	11.15%	2.85%	12.91%	21.72%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FRST	64 Neutral	$265.16M	30.96	2.25%	2.99%	9.90%	―

Parke Bancorp Corporate Events

Parke Bancorp Declares Quarterly Cash Dividend

On September 17, 2025, Parke Bancorp, Inc. announced a cash dividend of $0.18 per share, payable on October 17, 2025, to shareholders of record as of October 3, 2025. The company plans to continue paying dividends quarterly, subject to financial conditions and regulatory restrictions, although future dividends may be reduced or eliminated. This announcement reflects Parke Bancorp’s ongoing commitment to providing shareholder value, while also considering the financial health of the company and regulatory requirements.