Parke Bancorp (PKBK) AI Stock Analysis

• Market Cap: $255.90M
• Dividend Yield: 3.32%
• Average Volume (3M): 25.03K
• Price to Earnings (P/E): 7.6
• Beta (1Y): 0.82
• 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: 11,847,197
• 10 Day Avg. Volume: 20,693
• 30 Day Avg. Volume: 25,027
• 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: 0.71
• Enterprise Value/Revenue: 1.32
• Enterprise Value/Gross Profit: 2.72
• Enterprise Value/Ebitda: 4.43
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 70 Neutral
• Price Target: $23.00 ▲(10.58% 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.

Parke Bancorp Business Overview & Revenue Model

Company Description

Parke Bancorp (PKBK) is a bank holding company based in New Jersey, primarily focused on providing a range of financial products and services through its subsidiary, Parke Bank. The company operates in the banking sector, offering services such as commercial and residential lending, deposit accounts, and various banking solutions tailored to individuals and businesses. Additionally, Parke Bancorp emphasizes community engagement and aims to foster strong relationships with its clients, contributing to local economic development.

How the Company Makes Money

Parke Bancorp generates revenue primarily through interest income from loans and fees associated with various banking services. Key revenue streams include interest earned on commercial and residential loans, which constitute a significant portion of its earnings. Additionally, the bank earns money from service charges on deposit accounts, transaction fees, and other banking-related services. The company may also engage in investment activities, generating income from securities and other financial instruments. Significant partnerships with local businesses and community organizations enhance its lending capabilities and customer base, further contributing to its financial performance.

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	137.87M	129.41M	119.40M	95.86M	90.87M	88.72M
Gross Profit	66.88M	62.28M	72.96M	79.91M	77.92M	59.18M
EBITDA	41.01M	36.87M	38.15M	56.72M	55.41M	39.38M
Net Income	30.97M	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	184.25M	221.53M	187.47M	191.52M	609.90M	478.48M
Total Debt	100.00M	188.30M	168.11M	126.07M	120.88M	267.22M
Total Liabilities	1.86B	1.84B	1.74B	1.72B	1.90B	1.87B
Stockholders Equity	312.16M	300.07M	284.32M	266.03M	232.36M	200.93M
Cash Flow
Free Cash Flow	31.16M	35.04M	23.02M	43.30M	38.58M	36.27M
Operating Cash Flow	31.67M	35.13M	23.02M	43.45M	38.64M	36.52M
Investing Cash Flow	-125.02M	-80.07M	-34.89M	-262.94M	79.19M	-133.79M
Financing Cash Flow	109.93M	86.06M	10.10M	-194.91M	20.12M	364.26M

Parke Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 20.80
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• 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 20.8 is below the 20-day moving average (MA) of 20.92, below the 50-day MA of 21.57, and above the 200-day MA of 19.92, indicating a bullish trend. The MACD of 0.03 indicates Negative momentum. The RSI at 56.18 is Neutral, neither overbought nor oversold. The STOCH value of 85.57 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
LNKB	―	$262.15M	6.96	13.09%	4.29%	15.66%	―
TSBK	―	$247.74M	9.34	10.87%	3.25%	9.16%	12.12%
ISBA	―	$264.07M	16.41	8.27%	3.16%	7.29%	33.63%
PKBK	―	$255.90M	7.64	11.15%	3.32%	12.91%	21.72%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CHMG	―	$245.25M	18.54	5.74%	2.52%	-6.25%	-38.27%
FRST	―	$264.67M	30.50	2.25%	3.74%	9.78%	―

Parke Bancorp Corporate Events

Parke Bancorp Reports Strong Q3 2025 Earnings Growth

Parke Bancorp, Inc., headquartered in Washington Township, NJ, operates as the parent company of Parke Bank, providing a range of financial services primarily in the banking sector. The company is listed on NASDAQ under the ticker PKBK.

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.

The most recent analyst rating on (PKBK) stock is a Buy with a $26.00 price target. To see the full list of analyst forecasts on Parke Bancorp stock, see the PKBK Stock Forecast page.

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.