Parke Bancorp (PKBK) AI Stock Analysis

• Market Cap: $293.60M
• Dividend Yield: 2.84%
• Average Volume (3M): 32.57K
• Price to Earnings (P/E): 8.8
• Beta (1Y): 0.64
• 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: 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: 1.14
• 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: 71 Outperform
• Price Target: $28.00 ▲(22.16% Upside)

Parke Bancorp's overall stock score of 71 reflects its strong financial performance and attractive valuation. The company's consistent revenue growth and profitability, along with a stable balance sheet, provide a solid foundation. While technical indicators show bullish momentum, caution is advised due to overbought conditions. The stock's undervaluation and attractive dividend yield enhance its appeal, making it a compelling investment in the regional banking sector.

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

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: 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 22.92 is below the 20-day moving average (MA) of 24.88, below the 50-day MA of 23.23, and above the 200-day MA of 20.86, indicating a bullish trend. The MACD of 0.45 indicates Positive momentum. The RSI at 66.46 is Neutral, neither overbought nor oversold. The STOCH value of 58.28 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
TSBK	82 Outperform	$287.18M	9.78	11.48%	2.91%	8.17%	21.95%
CHMG	78 Outperform	$260.19M	19.50	5.69%	2.40%	-6.25%	-38.79%
LNKB	77 Outperform	$321.39M	8.21	13.09%	3.61%	15.66%	―
PKBK	71 Outperform	$293.60M	8.82	11.15%	2.84%	12.91%	21.72%
ISBA	68 Neutral	$361.25M	19.77	8.27%	2.13%	7.29%	33.75%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FRST	67 Neutral	$330.73M	38.24	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.