Parke Bancorp, Inc. (PKBK) | Investment Case

1. Company Snapshot

1.a. 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.

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1.b. Last Insights on PKBK

Parke Bancorp, Inc.'s recent performance was positively driven by several factors. The company's declaration of a $0.18 per share cash dividend, payable on January 16, 2026, reflects its commitment to returning value to shareholders. Additionally, insider activity, including purchases and sales, indicates confidence in the company's prospects. A critical review with NB Bancorp highlights Parke Bancorp's strengths in dividends, valuation, and earnings. Furthermore, the company's stock crossing above its 200-day moving average suggests a potential shift in momentum. Analysts' ratings and recommendations also contribute to the positive outlook.

1.c. Company Highlights

Last Price	28.5
Change Percentage	1.03%
Open	28.2
Previous Close	28.21
Market Cap ( Millions)	338
Volume	69008
Year High	29.5
Year Low	16.94
M A 50	26.31
M A 200	22.47

FCF Yield	9.78%
Dividend Yield	2.53%
ROE	12.02%
Debt / Equity	44.19%
Net Debt / EBIDTA	-26.73%
Price To Book	1.03
Price Earnings Ratio	8.85
Price To FCF	10.22
Price To sales	2.31
EV / EBITDA	6.44

2. Transcript Summary

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3. NewsRoom

Parke Bancorp (NASDAQ:PKBK) CEO Purchases $27,630.00 in Stock

Feb -02

Source: defenseworld.net

Parke Bancorp, Inc. (NASDAQ:PKBK) Sees Large Growth in Short Interest

Feb -01

Source: defenseworld.net

Parke Bancorp: Small Bank, Big Stock

Jan -26

Source: seekingalpha.com

PARKE BANCORP, INC. ANNOUNCES FOURTH QUARTER 2025 EARNINGS

Jan -22

Source: prnewswire.com

Parke Bancorp (NASDAQ:PKBK) & NB Bancorp (NASDAQ:NBBK) Critical Review

Jan -19

Source: defenseworld.net

Parke Bancorp (NASDAQ:PKBK) Director Elizabeth Milavsky Sells 10,981 Shares

Dec -30

Source: defenseworld.net

PARKE BANCORP, INC. ANNOUNCES CASH DIVIDEND

Dec -17

Source: prnewswire.com

Daniel Dalton Sells 7,500 Shares of Parke Bancorp (NASDAQ:PKBK) Stock

Dec -17

Source: defenseworld.net

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (5.50%)

6. Segments

Community Banking

Expected Growth: 5.5%

Growing demand for personalized financial services, increasing adoption of digital banking solutions, and expanding presence in underserved communities drive growth in community banking.

7. Detailed Products

Commercial Loans

Parke Bancorp, Inc. offers a range of commercial loans to businesses, including term loans, lines of credit, and construction loans, to support their growth and expansion plans.

Residential Mortgages

Parke Bancorp, Inc. provides residential mortgage loans to individuals and families, offering competitive rates and flexible repayment terms to help them achieve their dream of homeownership.

Consumer Loans

Parke Bancorp, Inc. offers consumer loans for personal expenses, debt consolidation, and other financial needs, with competitive rates and flexible repayment terms.

Deposit Accounts

Parke Bancorp, Inc. offers a range of deposit accounts, including checking, savings, and certificates of deposit, to help individuals and businesses manage their finances and achieve their savings goals.

Treasury Management Services

Parke Bancorp, Inc. provides treasury management services to help businesses manage their cash flow, reduce fraud risk, and optimize their financial operations.

8. Parke Bancorp, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Parke Bancorp, Inc. is medium due to the presence of alternative financial institutions and online banking services.

Bargaining Power Of Customers

The bargaining power of customers for Parke Bancorp, Inc. is low due to the lack of concentration of customers and the presence of multiple banking options.

Bargaining Power Of Suppliers

The bargaining power of suppliers for Parke Bancorp, Inc. is medium due to the presence of multiple suppliers of financial services and technology.

Threat Of New Entrants

The threat of new entrants for Parke Bancorp, Inc. is high due to the ease of entry into the banking industry and the presence of fintech companies.

Intensity Of Rivalry

The intensity of rivalry for Parke Bancorp, Inc. is high due to the presence of multiple banks and financial institutions competing for market share.

9. SWOT Analysis

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

	Value
Debt Weight	37.16%
Debt Cost	5.61%
Equity Weight	62.84%
Equity Cost	7.84%
WACC	7.01%
Leverage	59.13%

11. Quality Control: Parke Bancorp, Inc. passed 3 out of 9 key points

Strong Liquidity

Low Debt

Strong Interest Coverage

Healthy Cash Flow

Operating Efficiency

Strong Return On Equity

Consistent Revenue Growth

Consistent Operating Cash Flow Growth

Margin Improvement

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

TrustCo Bank Corp NY

A-Score: 6.6/10

Value: 5.5

Growth: 4.0

Quality: 7.6

Yield: 7.0

Momentum: 7.0

Volatility: 8.3

1-Year Total Return ->

Parke Bancorp

A-Score: 6.3/10

Value: 8.0

Growth: 4.4

Quality: 5.7

Yield: 7.0

Momentum: 4.0

Volatility: 8.7

1-Year Total Return ->

Unity Bancorp

A-Score: 6.2/10

Value: 6.0

Growth: 7.4

Quality: 7.6

Yield: 2.0

Momentum: 7.0

Volatility: 7.0

1-Year Total Return ->

BankUnited

A-Score: 6.0/10

Value: 6.0

Growth: 5.7

Quality: 5.8

Yield: 6.0

Momentum: 6.0

Volatility: 6.3

1-Year Total Return ->

Southside Bancshares

A-Score: 5.7/10

Value: 5.9

Growth: 5.6

Quality: 5.4

Yield: 7.0

Momentum: 2.5

Volatility: 8.0

1-Year Total Return ->

Merchants Bank

A-Score: 5.1/10

Value: 8.1

Growth: 6.6

Quality: 4.9

Yield: 2.0

Momentum: 3.0

Volatility: 6.0

1-Year Total Return ->

Peers Metrics

12.e Scoring ^Insights

12.f DCF ^BETA

Parameters

Short Term Growth

-5.53%

Short term Time

10.0

Long-Term Growth

2.00%

WACC

7.01%

Parke Bancorp, Inc. - US7008851062

1. Company Snapshot

1.a. Company Description

1.b. Last Insights on PKBK

1.c. Company Highlights

Better Quality

Stable Momentum

Average Yield

Weak Momentum

Average Growth

Average Quality

Fairly Valued

Medium Volatility

Cheaper

2. Transcript Summary

3. NewsRoom

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (5.50%)

6. Segments

Community Banking

Expected Growth: 5.5%

7. Detailed Products

Commercial Loans

Residential Mortgages

Consumer Loans

Deposit Accounts

Treasury Management Services

8. Parke Bancorp, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

Bargaining Power Of Customers

Bargaining Power Of Suppliers

Threat Of New Entrants

Intensity Of Rivalry

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

11. Quality Control: Parke Bancorp, Inc. passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

28.5$

Current Price

28.5$

Potential

-0.00%

Expected Cash-Flows

12.e Scoring ^Insights

12.f DCF ^BETA