What are the investment strengths of Parke Bancorp Inc (PKBK)?

P/B of 0.97x on 314.5M tangible book with zero goodwill - buying assets at discount with 11.2% ROE and 2.7% dividend yield FCF of 33M (45% of net income) with minimal capex of 596K enables 8.7M buybacks annually - 2.9% of market cap

What are the investment risks for Parke Bancorp Inc (PKBK)?

Interest expense (68.4M) dwarfs interest income (36.5M) - negative spread suggests funding cost vulnerability in rate shifts Tiny scale (2.2B assets vs industry median) limits pricing power; 3Y revenue CAGR of -0.5% shows no organic growth

Parke Bancorp Inc

PKBK

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Parke Bancorp Inc AI Insights

Informational only. Not investment advice.

As of 2026-01-16

Snapshot

Net margin TTM 46.1% vs industry median 25.8% - nearly 2x profitability advantage on small revenue base of 73.9M[Net Margin TTM]
Trading at 0.97x book value (P/B) with ROE of 11.2% - below tangible book despite above-median returns[Price to Book Ratio]
Revenue grew 34.5% YoY but 3Y CAGR is -0.5% - recent surge may be rate-driven, not structural[Total Revenue 1Y Growth]

Watch Triggers

Net Margin TTM: Falls below 35% — Current 46% margin is cyclical peak; compression signals rate sensitivity thesis playing out
Interest Expense TTM: Exceeds 75M or spread to interest income widens — Negative interest spread is structural risk; widening accelerates earnings decline
Book Value Per Share: Falls below $25 — Currently $26.30; decline would signal asset quality issues or losses eroding equity

Bull Case

P/B of 0.97x on 314.5M tangible book with zero goodwill - buying assets at discount with 11.2% ROE and 2.7% dividend yield

Price to Book RatioTangible Book ValueROE TTM

FCF of 33M (45% of net income) with minimal capex of 596K enables 8.7M buybacks annually - 2.9% of market cap

Free Cash Flow TTMCapital Expenditure TTMCommon Stock Payments TTM

Bear Case

Interest expense (68.4M) dwarfs interest income (36.5M) - negative spread suggests funding cost vulnerability in rate shifts

Interest Expense TTMInterest Income

Tiny scale (2.2B assets vs industry median) limits pricing power; 3Y revenue CAGR of -0.5% shows no organic growth

Total AssetsTotal Revenue 3Y Growth

Bull vs Bear Balance

AI-generated sentiment analysis based on fundamental metrics and market conditions.

45%

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Forward Thesis

Interest rate normalization will compress margins as 68.4M interest expense exceeds 36.5M interest income

1-3ymed

Interest expense 1.9x interest income TTM
Net margin at cyclical peak of 46%
3Y revenue CAGR negative despite rate tailwinds

Interest expense TTM: 68.4MInterest income: 36.5MNet margin TTM: 46.1%

Valuation Context

Caveats

Public Strategies Rankings

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PKBK Fundamentals

Finance and Insurance → Credit Intermediation and Related Activities

Metric	Value	YoY Growth	Industry Percentile
Market Cap	$304.33M		—
Enterprise Value	$228.42M		—
P/E Ratio	9.0		—
Total Revenue - TTM	$73.89M	+16.8%	—
Earnings Per Share (diluted) - TTM	$2.84	+21.4%	—
Operating Margin - TTM	0%		—
Net Margin - TTM	46.1%	+1.4%	—
Free Cash Flow - TTM	$33.03M	-7.2%	—
Return on Common Equity - TTM	0.11	+1.3%	—
Beta 5Y (Monthly)	unknown		—

PKBK Dividend History

47 dividends

2026

$0.1800

01/02/26$0.1800

2025

$0.7200

10/03/25$0.1800

07/03/25$0.1800

04/04/25$0.1800

01/03/25$0.1800

2024

$0.7200

10/04/24$0.1800

07/05/24$0.1800

04/04/24$0.1800

01/02/24$0.1800

2023

$0.7200

09/29/23$0.1800

07/07/23$0.1800

04/06/23$0.1800

01/03/23$0.1800

2022

$0.6600

09/08/22$0.1800

07/01/22$0.1600

04/05/22$0.1600

01/04/22$0.1600

2021

$0.6400

10/05/21$0.1600

07/02/21$0.1600

05/03/21$0.1600

01/29/21$0.1600

2020

$0.6255

10/08/20$0.1600

07/09/20$0.1600

04/08/20$0.1600

01/09/20$0.1455

2019

$0.5455

10/10/19$0.1455

07/11/19$0.1455

04/10/19$0.1273

01/10/19$0.1273

2018

$0.4529

10/11/18$0.1273

07/12/18$0.1273

04/12/18$0.0992

01/11/18$0.0992

2017

$0.3486

10/12/17$0.0992

07/12/17$0.0992

04/11/17$0.0751

01/12/17$0.0751

2016

$0.1626

10/12/16$0.0601

04/13/16$0.0546

01/13/16$0.0478

2015

$0.1639

10/13/15$0.0478

07/13/15$0.0410

04/14/15$0.0410

01/14/15$0.0342

2014

$0.0683

10/09/14$0.0342

07/11/14$0.0342

2006

$0.0811

12/08/06$0.0811

PKBK Stock Splits

12 stock splits

02/14/201:1.1 split

05/03/1810:11 split

05/03/171:1.1 split

05/02/161:1.1 split

05/03/1310:11 split

05/04/1210:11 split

05/07/101:1.1 split

04/03/08100:115 split

04/10/0710:11 split

04/07/0610:12 split

12/10/04100:120 split

11/28/0310:11 split

PKBK SEC Filings

Filing Date	Report Date	Report Type	Filing Link
11/05/25	09/30/25	10-Q	0001437749-25-033355
08/06/25	06/30/25	10-Q	0001437749-25-025079
05/07/25	03/31/25	10-Q	0001315399-25-000046
03/12/25	12/31/24	Unknown	0001315399-25-000025
11/06/24	09/30/24	10-Q	0001315399-24-000082
08/07/24	06/30/24	10-Q	0001315399-24-000063
05/08/24	03/31/24	10-Q	0001315399-24-000038
03/13/24	12/31/23	10-K	0001315399-24-000024
11/08/23	09/30/23	10-Q	0001315399-23-000075
08/09/23	06/30/23	10-Q	0001315399-23-000061
05/10/23	03/31/23	10-Q	0001315399-23-000043
03/15/23	12/31/22	10-K	0001315399-23-000020
11/10/22	09/30/22	10-Q	0001315399-22-000126
08/08/22	06/30/22	10-Q	0001315399-22-000114
05/09/22	03/31/22	10-Q	0001315399-22-000065
03/21/22	12/31/21	10-K	0001315399-22-000039
11/08/21	09/30/21	10-Q	0001315399-21-000058
08/09/21	06/30/21	10-Q	0001315399-21-000030
05/07/21	03/31/21	10-Q	0001315399-21-000015
03/31/21	12/31/20	10-K	0001315399-21-000004
11/06/20	09/30/20	10-Q	0001315399-20-000013
08/07/20	06/30/20	10-Q	0001315399-20-000010
05/08/20	03/31/20	10-Q	0001315399-20-000006
03/13/20	12/31/19	10-K	0001315399-20-000003
11/07/19	09/30/19	10-Q	0001315399-19-000010
08/08/19	06/30/19	10-Q	0001315399-19-000007
05/09/19	03/31/19	10-Q	0001315399-19-000005
03/15/19	12/31/18	10-K	0001315399-19-000003
11/07/18	09/30/18	10-Q	0001315399-18-000013
08/09/18	06/30/18	10-Q	0001315399-18-000009
05/10/18	03/31/18	10-Q	0001315399-18-000006
03/15/18	12/31/17	10-K	0001315399-18-000002
11/13/17	09/30/17	10-Q	0001315399-17-000008
08/14/17	06/30/17	10-Q	0001315399-17-000006
05/12/17	03/31/17	10-Q	0001315399-17-000004
03/17/17	12/31/16	10-K	0001315399-17-000002
11/14/16	09/30/16	10-Q	0001315399-16-000013
08/15/16	06/30/16	10-Q	0001315399-16-000011
05/16/16	03/31/16	10-Q	0001315399-16-000009
03/18/16	12/31/15	10-K	0001315399-16-000007
11/13/15	09/30/15	10-Q	0001315399-15-000005
08/14/15	06/30/15	10-Q	0001315399-15-000002
05/15/15	03/31/15	10-Q	0000946275-15-000066
03/20/15	12/31/14	10-K	0000946275-15-000035
11/14/14	09/30/14	10-Q	0000946275-14-000259
08/14/14	06/30/14	10-Q	0000946275-14-000202
05/15/14	03/31/14	10-Q	0000946275-14-000122
03/21/14	12/31/13	10-K	0000946275-14-000073
11/14/13	09/30/13	10-Q	0000946275-13-000350
08/14/13	06/30/13	10-Q	0000946275-13-000280
05/15/13	03/31/13	10-Q	0000946275-13-000199
03/22/13	12/31/12	10-K	0000946275-13-000101
11/14/12	09/30/12	10-Q	0000946275-12-000431
08/14/12	06/30/12	10-Q	0000946275-12-000302
05/15/12	03/31/12	10-Q	0000946275-12-000220
03/26/12	12/31/11	10-K	0000946275-12-000113
11/14/11	09/30/11	10-Q	0000946275-11-000472
08/15/11	06/30/11	10-Q	0000946275-11-000345
05/16/11	03/31/11	10-Q	0000946275-11-000228
03/25/11	12/31/10	10-K	0000946275-11-000132
11/15/10	09/30/10	10-Q	0000946275-10-000510
08/16/10	06/30/10	10-Q	0000946275-10-000413
05/14/10	03/31/10	10-Q	0000946275-10-000302
03/25/10	12/31/09	10-K	0000946275-10-000228
11/13/09	09/30/09	10-Q	0000946275-09-000763
08/14/09	06/30/09	10-Q	0000946275-09-000606
05/14/09	03/30/09	10-Q	0000946275-09-000435
03/30/09	12/31/08	10-K	0000946275-09-000359
11/12/08	09/30/08	10-Q	0000946275-08-000705
08/14/08	06/30/08	10-Q	0000946275-08-000598
05/15/08	03/30/08	Unknown	--
03/31/08	12/31/07	10-K	0000946275-08-000282
11/14/07	09/30/07	10-Q	0000946275-07-000840
08/14/07	06/30/07	10-Q	0000946275-07-000592
05/15/07	03/30/07	Unknown	--
04/02/07	12/31/06	10-K	0000946275-07-000306
11/14/06	09/30/06	10-Q	0000946275-06-000820
08/10/06	06/30/06	10-Q	0000946275-06-000630
05/15/06	03/30/06	Unknown	--
03/29/06	12/31/05	10-K	0000946275-06-000279
09/30/05	09/30/05	10QSB	0000946275-05-001073
06/30/05	06/30/05	10QSB	0000946275-05-000831
03/31/05	03/30/05	Unknown	--
12/31/04	12/31/04	Unknown	--
09/30/04	09/30/04	Unknown	--
06/30/04	06/30/04	Unknown	--
03/31/04	03/30/04	Unknown	--
12/31/03	12/31/03	Unknown	--
09/30/03	09/30/03	Unknown	--
06/30/03	06/30/03	Unknown	--
03/31/03	03/30/03	Unknown	--