Parke Bancorp (PKBK) AI Stock Analysis

• Market Cap: $250.25M
• Dividend Yield: 3.35%
• Average Volume (3M): 20.61K
• Price to Earnings (P/E): 8.8
• Beta (1Y): 0.81
• Revenue Growth: 9.76%
• EPS Growth: 24.43%
• Country: US
• Employees: 99
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 0.65
• Shares Outstanding: 11,843,328
• 10 Day Avg. Volume: 22,728
• 30 Day Avg. Volume: 20,609
• PEG Ratio: 1.21
• Price to Book (P/B): 0.75
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 6.92
• Enterprise Value/Market Cap: 0.68
• Enterprise Value/Revenue: 0.33
• Enterprise Value/Gross Profit: 2.65
• Enterprise Value/Ebitda: 1.18
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 72 Outperform
• Price Target: $24.50 ▲(14.06%Upside)

Parke Bancorp's high overall score is driven by strong financial performance and an attractive valuation. The technical analysis supports a positive outlook, although overbought indicators suggest potential near-term volatility. Lack of earnings call data and corporate events does not impact the overall assessment.

Parke Bancorp Business Overview & Revenue Model

Company Description

Parke Bancorp, Inc. (PKBK) is a bank holding company based in the United States, primarily engaged in providing a range of financial services through its wholly owned subsidiary, Parke Bank. The company operates in the financial services sector, offering a variety of banking products and services to individuals, professionals, and small to mid-sized businesses. Parke Bank's core offerings include commercial and consumer banking services, such as deposit products, real estate loans, commercial business loans, and other financial services designed to meet the needs of its diverse clientele.

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 revenue growth and a solid balance sheet with zero debt, enhancing financial stability. However, declining net profit margins and operating cash flow suggest potential challenges in maintaining profitability and cash conversion efficiency.

Income Statement

Parke Bancorp has demonstrated strong revenue growth over the years, with a significant increase from $66.83 million in 2020 to $125.11 million in 2024. The company maintained healthy gross profit margins at 100% due to its banking operations. However, the net profit margin showed a decline from 53.4% in 2022 to 22% in 2024, indicating pressure on net income despite revenue growth. The EBIT margin was not calculated for 2024 due to missing data; however, previous years showed strong margins above 50%.

Balance Sheet

Parke Bancorp's balance sheet reflects solid equity growth with stockholders' equity rising from $177.61 million in 2019 to $300.07 million in 2024. The debt-to-equity ratio improved significantly as the company eliminated its debt by 2024, enhancing financial stability. The equity ratio improved to 14% in 2024, indicating a stable capital structure. Return on equity showed a strong performance in past years but saw a decline due to lower net income growth in the latest period.

Cash Flow

The company's operating cash flow remained positive, though it decreased from $43.45 million in 2022 to $12.19 million in 2024. Free cash flow followed a similar trend, decreasing while remaining positive, indicating effective capital expenditure management. The operating cash flow to net income ratio reduced, reflecting lower cash conversion efficiency. The free cash flow to net income ratio showed stability, highlighting effective liquidity management despite fluctuations.

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	64.07M	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: 21.48
• 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 21.48 is above the 20-day moving average (MA) of 19.85, above the 50-day MA of 19.52, and above the 200-day MA of 19.84, indicating a bullish trend. The MACD of 0.51 indicates Negative momentum. The RSI at 66.41 is Neutral, neither overbought nor oversold. The STOCH value of 83.47 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
MVBF	75 Outperform	$300.70M	15.87	6.38%	2.94%	-8.20%	-22.46%
MVBF	75 Outperform	$300.70M	15.87	6.38%	2.94%	-8.20%	-22.46%
PKBK	72 Outperform	$250.25M	8.78	9.81%	3.35%	9.76%	24.43%
OVLY	72 Outperform	$232.94M	9.37	13.99%	2.15%	0.40%	-10.62%
JMSB	72 Outperform	$278.14M	15.67	7.25%	1.56%	25.96%	484.74%
JMSB	72 Outperform	$278.14M	15.67	7.25%	1.56%	25.96%	484.74%
Sector *	67 Neutral	$16.89B	11.79	9.73%	3.75%	11.97%	-8.33%
NWFL	53 Neutral	$245.13M	303.21	0.59%	4.68%	-3.66%	-95.41%
NWFL	53 Neutral	$245.13M	303.21	0.59%	4.68%	-3.66%	-95.41%

Parke Bancorp Corporate Events

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.