Parke Bancorp (PKBK) AI Stock Analysis

• Market Cap: $246.30M
• Dividend Yield: 3.46%
• Average Volume (3M): 23.48K
• Price to Earnings (P/E): 8.1
• Beta (1Y): 0.83
• Revenue Growth: 11.26%
• EPS Growth: 42.81%
• Country: US
• Employees: 99
• Sector: Financial
• Sector Strength: 69
• Industry: Banks - Regional
• EPS (TTM): 0.69
• Shares Outstanding: 11,847,197
• 10 Day Avg. Volume: 28,462
• 30 Day Avg. Volume: 23,484
• 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: 1.55
• Enterprise Value/Revenue: 2.86
• Enterprise Value/Gross Profit: 5.93
• Enterprise Value/Ebitda: 9.82
• 1Y Price Target: $23.50
• Price Target Upside: 13.04% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 81 Outperform
• Price Target: $23.50 ▲(13.04% Upside)

Parke Bancorp's overall stock score of 80.8 is primarily driven by strong financial performance and attractive valuation. The company's robust revenue growth and effective cash flow management position it well in the regional banking sector. While technical analysis shows mixed signals, the valuation offers significant potential for investors. The extension of the stock repurchase program further supports confidence in the company's future prospects.

Parke Bancorp Business Overview & Revenue Model

Company Description

Parke Bancorp, Inc. operates as the bank holding company for Parke Bank that provides personal and business financial services to individuals and small to mid-sized businesses. The company offers various deposit products, including checking, savings, time, money market, and individual retirement accounts, as well as certificates of deposit. Its loan portfolio comprises commercial and industrial, construction, commercial and residential real estate mortgage, and consumer loans. In addition, the company provides debit cards, internet banking, and online bill payment services. It operates through 7 branch offices in Galloway Township, Northfield, Washington Township, and Collingswood, New Jersey; and Philadelphia, Pennsylvania. Parke Bancorp, Inc. was founded in 1999 and is headquartered in Washington Township, New Jersey.

How the Company Makes Money

Parke Bancorp generates revenue primarily through interest income and fees associated with its range of financial products and services. The company's key revenue streams include interest earned on loans and advances provided to customers, such as commercial real estate loans, construction loans, and various types of consumer credit. Additionally, Parke Bancorp earns non-interest income from fees and service charges on deposit accounts, loan servicing fees, and other financial services. The company's earnings are influenced by factors such as prevailing interest rates, economic conditions, and its ability to attract and retain customers through competitive banking products. Partnerships with local businesses and a focus on relationship banking also contribute to its revenue generation.

Parke Bancorp Financial Statement Overview

Summary

Parke Bancorp shows strong financial health with consistent revenue growth and profitability. The income statement indicates robust operational performance despite a slight decline in net profit margin. The balance sheet is stable with a moderate debt-to-equity ratio and strong return on equity. Cash flow management is effective, although strategic adjustments in investing and financing cash flows could affect future liquidity.

Income Statement

Parke Bancorp's income statement shows consistent revenue growth, with a notable increase from the previous year, indicative of strong operational performance. The gross profit margin remains healthy, supporting profitability. However, the net profit margin slightly declined due to increased expenses or other factors, although it remains solid overall.

Balance Sheet

The balance sheet reflects a stable financial position, with a moderate debt-to-equity ratio suggesting manageable leverage. The equity ratio is robust, indicating a strong capital base. Return on equity is strong, reflecting efficient utilization of equity, though there is room for improvement in reducing liabilities.

Cash Flow

Cash flow analysis shows positive free cash flow growth, demonstrating effective cash management. The operating cash flow to net income ratio indicates good cash conversion from profits. However, fluctuations in investing and financing cash flows suggest strategic adjustments that could impact future liquidity.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	133.18M	129.41M	119.40M	95.86M	90.87M	88.72M
Gross Profit	64.21M	62.28M	72.96M	79.91M	77.92M	59.18M
EBITDA	38.80M	36.87M	38.15M	56.72M	55.41M	39.38M
Net Income	29.14M	27.51M	28.46M	41.82M	40.76M	28.43M
Balance Sheet
Total Assets	2.14B	2.14B	2.02B	1.98B	2.14B	2.08B
Cash, Cash Equivalents and Short-Term Investments	209.04M	221.53M	187.47M	191.52M	609.90M	478.48M
Total Debt	148.35M	188.30M	168.11M	126.07M	120.88M	267.22M
Total Liabilities	1.84B	1.84B	1.74B	1.72B	1.90B	1.87B
Stockholders Equity	305.94M	300.07M	284.32M	266.03M	232.36M	200.93M
Cash Flow
Free Cash Flow	33.30M	35.04M	23.02M	43.30M	38.58M	36.27M
Operating Cash Flow	33.78M	35.13M	23.02M	43.45M	38.64M	36.52M
Investing Cash Flow	-96.75M	-80.07M	-34.89M	-262.94M	79.19M	-133.79M
Financing Cash Flow	100.89M	86.06M	10.10M	-194.91M	20.12M	364.26M

Parke Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 20.79
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 20.79 is below the 20-day moving average (MA) of 21.20, above the 50-day MA of 20.40, and above the 200-day MA of 19.96, indicating a neutral trend. The MACD of -0.01 indicates Positive momentum. The RSI at 48.85 is Neutral, neither overbought nor oversold. The STOCH value of 37.26 is Neutral, 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
PKBK	81 Outperform	$246.30M	8.11	10.24%	3.46%	11.26%	42.81%
JMSB	77 Outperform	$270.00M	14.24	7.73%	1.59%	23.76%	683.10%
MVBF	76 Outperform	$295.24M	17.88	5.71%	2.94%	-10.47%	-16.98%
OVLY	72 Outperform	$230.09M	9.39	13.54%	2.19%	0.40%	-10.62%
Sector *	67 Neutral	$17.03B	11.60	9.79%	3.95%	10.64%	1.89%
NWFL	59 Neutral	$229.48M	101.81	1.56%	5.09%	-4.78%	-85.63%
FFNW	55 Neutral	$208.18M	194.65	0.66%	―	2.28%	-83.17%

Parke Bancorp Corporate Events

Parke Bancorp Extends Stock Repurchase Program

On August 1, 2025, Parke Bancorp announced an extension of its stock repurchase program, initially set to expire on August 2, 2025. The program, which allows for the repurchase of up to 5% of the company’s outstanding common stock, will now continue until February 2, 2026, unless the 5% threshold is met sooner. This extension reflects the company’s ongoing efforts to manage its capital structure and enhance shareholder value, with repurchases conducted under SEC regulations and market conditions.

Parke Bancorp Announces Quarterly Cash Dividend

On June 17, 2025, Parke Bancorp, Inc. announced a cash dividend of $0.18 per share, payable on July 18, 2025, to shareholders of record as of July 3, 2025. The Board of Directors anticipates continuing quarterly dividend payments, contingent upon the company’s financial condition and regulatory considerations, though future dividends may be adjusted or discontinued.