Parke Bancorp (PKBK) AI Stock Analysis

• Market Cap: $323.18M
• Dividend Yield: 2.84%
• Average Volume (3M): 32.57K
• Price to Earnings (P/E): 6.6
• Beta (1Y): 0.71
• Revenue Growth: 12.91%
• EPS Growth: 21.72%
• Country: US
• Employees: 99
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.93
• Shares Outstanding: 11,842,596
• 10 Day Avg. Volume: 52,924
• 30 Day Avg. Volume: 32,566
• PEG Ratio: 0.20
• Price to Book (P/B): 0.90
• Price to Sales (P/S): 2.01
• P/FCF Ratio: 7.54
• Enterprise Value/Market Cap: 0.96
• Enterprise Value/Revenue: 2.12
• Enterprise Value/Gross Profit: 3.98
• Enterprise Value/Ebitda: 6.15
• 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: $30.00 ▲(30.89% Upside)
• Action: Reiterated Date: 03/12/26
• Date: Action: Reiterated 03/12/26

The score is driven primarily by solid overall financial performance (improving profitability and reasonable leverage) tempered by meaningful cash flow volatility, plus an attractive valuation supported by a low P/E and dividend yield. Technical indicators are more neutral, with weaker short-term momentum despite a stronger longer-term trend.

Positive Factors

Revenue Growth

Sustained revenue growth, including a material step-up in 2025, indicates durable demand for the bank's lending and deposit services. Over 2-6 months this underpins earnings stability, supports reinvestment or capital buffers, and reduces reliance on short-term market moves.

Improved Profitability

Operating and net margins improved in 2025 and returns on equity rose, reflecting stronger core earnings power. Improved margins that persist through a cycle enhance retained earnings, bolster capital generation, and make the franchise more resilient to cyclical tightening.

Dividend Commitment

A recurring quarterly dividend policy signals stable capital allocation discipline and confidence in recurring earnings. For a regional bank this is a durable shareholder-return mechanism that implies management targets sustained profitability and monitors capital relative to regulatory requirements.

Negative Factors

Weak Cash Generation

Material decline in free cash flow and low operating-cash-flow-to-revenue reduce financial flexibility. Over the medium term this constrains the bank's ability to fund growth, absorb credit stress, or expand capital returns without relying on external funding or cutting investment.

Margin Normalization and Volatility

Profitability has normalized from peak pandemic-era levels and shows cyclicality, leaving earnings exposed to interest-rate and credit cycles. For a small regional bank, persistent margin volatility can complicate planning, capital accumulation, and dividend sustainability in stressed periods.

Historical Leverage Variability

Past swings in leverage and returns highlight sensitivity of the capital structure to economic and funding conditions. Combined with limited scale, variable leverage raises the risk that the bank must materially adjust lending or capital actions when markets or credit costs shift.

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 primarily makes money through its banking subsidiary by (1) generating net interest income and (2) earning noninterest income. Net interest income is the spread between interest earned on loans and other interest-earning assets (such as investment securities and interest-bearing balances) and interest paid on funding sources (primarily customer deposits and borrowings). Key drivers include loan volume and mix (e.g., commercial real estate, commercial business, construction, residential, and consumer), the yields earned on those loans and securities, the cost and composition of deposits (noninterest-bearing vs. interest-bearing), and overall interest-rate conditions. In addition to interest income, the company earns noninterest income from fees and service charges related to deposit accounts and payment services, and from other banking activities (for example, certain loan-related fees). Earnings are also influenced by credit performance (provision for credit losses and charge-offs), operating expenses, and balance-sheet funding strategy; if specific material partnerships or unique revenue-sharing arrangements exist, null.

Parke Bancorp Financial Statement Overview

Summary

Income statement strength (steady revenue growth and improved 2025 profitability) and a reasonably capitalized balance sheet with declining leverage are partially offset by weak and volatile cash generation, with a sharp free cash flow decline in 2025.

Income Statement

Revenue has grown steadily over time, with a particularly strong step-up in 2025 versus 2024. Profitability remains solid for a regional bank, with 2025 showing improved operating and net margins versus 2024. The main weakness is that margins are well below the unusually high levels seen in 2021–2022, indicating profitability has normalized and remains somewhat volatile across the cycle.

Balance Sheet

Leverage looks reasonable and improving: debt relative to equity declined in 2025 versus 2024, and equity has grown over the multi-year period. Returns on shareholders’ equity improved in 2025 versus 2024, signaling better earnings power. A key risk is the historical variability in leverage (notably higher in 2020) and returns, which suggests the capital profile can swing depending on conditions.

Cash Flow

Free cash flow remained positive, but cash generation weakened materially in 2025, with a large decline in free cash flow versus 2024. Operating cash flow as a share of revenue also remains low across the period, which reduces financial flexibility. The positive offset is that free cash flow has generally tracked reported earnings closely in most years, suggesting earnings quality is not obviously inflated, even though cash conversion fluctuates.

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	146.08M	129.41M	119.40M	95.86M	90.87M
Gross Profit	77.93M	62.28M	72.96M	79.91M	77.42M
EBITDA	50.35M	36.87M	38.15M	56.72M	55.60M
Net Income	37.77M	27.51M	28.46M	41.82M	40.76M
Balance Sheet
Total Assets	2.25B	2.14B	2.02B	1.98B	2.14B
Cash, Cash Equivalents and Short-Term Investments	170.39M	221.53M	187.47M	191.52M	609.90M
Total Debt	143.40M	188.30M	168.11M	126.07M	120.88M
Total Liabilities	1.92B	1.84B	1.74B	1.72B	1.90B
Stockholders Equity	324.52M	300.07M	284.32M	266.03M	232.36M
Cash Flow
Free Cash Flow	38.93M	35.04M	23.02M	43.30M	38.58M
Operating Cash Flow	39.52M	35.13M	23.02M	43.45M	38.64M
Investing Cash Flow	-173.07M	-80.07M	-34.89M	-262.94M	79.19M
Financing Cash Flow	68.89M	86.06M	10.10M	-194.91M	20.12M

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 27.80, below the 50-day MA of 27.24, and below the 200-day MA of 22.93, indicating a neutral trend. The MACD of -0.07 indicates Positive momentum. The RSI at 45.76 is Neutral, neither overbought nor oversold. The STOCH value of 44.38 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	$301.26M	8.59	11.73%	2.91%	8.17%	21.95%
PKBK	71 Outperform	$323.18M	6.62	12.02%	2.84%	12.91%	21.72%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FRST	62 Neutral	$315.66M	2.90	15.78%	3.06%	9.90%	―
LNKB	60 Neutral	$312.85M	26.16	11.13%	3.61%	15.66%	―
CHMG	58 Neutral	$249.21M	8.67	6.27%	2.40%	-6.25%	-38.79%
ISBA	57 Neutral	$328.24M	19.67	8.45%	2.13%	7.29%	33.75%

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.