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PKBK: A Niche Community Bank with Exceptional Profitability
Blank Capital Research Team
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Executive Summary
Parke Bancorp, Inc. (PKBK) is a highly efficient community bank serving the Philadelphia and Southern New Jersey markets. Unlike traditional regional banks, Parke focuses heavily on commercial real estate (CRE) and construction lending, achieving return metrics that consistently rank in the top decile of its peer group.
Investment Thesis
PKBK's hyper-focus on commercial real estate and construction lending allows it to command higher yields on its loan portfolio, resulting in an exceptionally strong net interest margin (NIM). Despite the perceived risks in CRE, management's conservative underwriting standards and deep local market knowledge have historically kept charge-offs minimal. At its current valuation, the market is mispricing PKBK's structural profitability and treating it like a distressed regional bank rather than a proven compounder.
Key Growth Drivers
Superior Net Interest Margin
By eschewing lower-yield consumer loans in favor of specialized CRE and construction financing, PKBK sustains a NIM significantly above the industry average, driving outsized ROE and ROA.
Rigorous Underwriting
While concentrated in commercial real estate, Parke demands significant borrower equity and focuses on high-quality, cash-flowing properties, mitigating downside risk during credit cycles.
Low Efficiency Ratio
Operating with a lean branch network, PKBK boasts an efficiency ratio routinely in the low-to-mid 30s, meaning more of every dollar of revenue flows directly to the bottom line.
Valuation & Financial Modeling
Trading well below its historical price-to-earnings and price-to-tangible book value (P/TBV) averages, PKBK offers a substantial margin of safety. We believe the stock should command a premium multiple given its top-tier return on equity (ROE).
Risk Factors & Bear Case
The primary risk is a severe, prolonged downturn in the commercial real estate market, which could lead to a spike in non-performing assets. Additionally, as a smaller bank, its cost of deposits can rise quickly in a higher-for-longer interest rate environment.
Conclusion
Parke Bancorp is a high-performance niche lender trading at a value investor's price. For those willing to look past the generic 'CRE panic' headlines, PKBK represents a compelling, income-generating small-cap holding.
Upcoming Catalysts
No upcoming catalysts identified.
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Relative valuation derived from Financials sector median benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Multiples adjusted for extreme outliers and non-recurring volatility.
Auditing capital efficiency...
Quality Profile Audit
Score: 60.2GRADE B
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation.
Return on Equity
Profit generated per dollar of shareholder equity
10.5%
Sector: 8.5%
Dividend Analysis audit
INCOME
3.39%
Trailing Yield
$3.39
Per $100 Invested
Solid dividend yield for income-focused strategies.
Est. Payout Ratio
33%SAFE
Analyst Projections
Analyst Consensus
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Based on our 6-factor quantitative model, PARKE BANCORP, INC. (PKBK) receives a "Buy" rating with a composite score of 60.4/100, ranked #7 out of 4446 stocks. Key factor scores: Quality 60/100, Value 77/100, Momentum 65/100. This is quantitative analysis only — not investment advice.
PARKE BANCORP, INC. (PKBK) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does PARKE BANCORP, INC. Do?
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. PARKE BANCORP, INC. (PKBK) is classified as a small-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Vito S. Pantilione and employs approximately 100 people, headquartered in WASHINGTON TOWNSHIP, New Jersey. With a market capitalization of $335M, PKBK is one of the notable companies in the Financials sector.
PARKE BANCORP, INC. (PKBK) Stock Rating — Buy (April 2026)
As of April 2026, PARKE BANCORP, INC. receives a Buy rating with a composite score of 60.4/100 and 4 out of 5 stars from the Blank Capital Research quantitative model.PKBK ranks #7 out of 4,446 stocks in our coverage universe. Within the Financials sector, PARKE BANCORP, INC. ranks #5 of 891 stocks, placing it in the top 10% of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
PKBK Stock Price and 52-Week Range
PARKE BANCORP, INC. (PKBK) currently trades at $29.70. The stock lost $0.10 (0.3%) in the most recent trading session. The 52-week high for PKBK is $29.50, which means the stock is currently trading 0.7% from its annual peak. The 52-week low is $16.94, putting the stock 75.3% above its annual trough. Recent trading volume was 163K shares, suggesting relatively thin trading activity.
Is PKBK Overvalued or Undervalued? — Valuation Analysis
PARKE BANCORP, INC. (PKBK) carries a value factor score of 77/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 9.78x, compared to the Financials sector average of 14.88x — a discount of 34%. The price-to-book ratio stands at 1.03x, versus the sector average of 1.22x. The price-to-sales ratio is 2.43x, compared to 0.90x for the average Financials stock. On an enterprise value basis, PKBK trades at 7.57x EV/EBITDA, versus 3.26x for the sector. The EV/EBIT multiple is 5.79x.
Based on these multiples, PARKE BANCORP, INC. appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.
PARKE BANCORP, INC. Profitability — ROE, Margins, and Quality Score
PARKE BANCORP, INC. (PKBK) earns a quality factor score of 60/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 10.5%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 1.5% versus the sector average of 1.2%.
The operating margin is 32.0% (sector: 21.8%). Net profit margin stands at 24.8%, versus 17.7% for the average Financials stock. Revenue growth is running at 20.9% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.
PKBK Debt, Balance Sheet, and Financial Health
PARKE BANCORP, INC. has a debt-to-equity ratio of 593.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.17x, suggesting adequate working capital coverage. Total debt on the balance sheet is $83M. Cash and equivalents stand at $6M.
PKBK has a beta of 0.74, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for PARKE BANCORP, INC. is 90/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.
PARKE BANCORP, INC. Revenue and Earnings History — Quarterly Trend
In TTM 2026, PARKE BANCORP, INC. reported revenue of $138M and earnings per share (EPS) of $3.20. Net income for the quarter was $34M. Operating income came in at $44M.
In FY 2025, PARKE BANCORP, INC. reported revenue of $143M and earnings per share (EPS) of $3.20. Net income for the quarter was $38M. Revenue grew 14.0% year-over-year compared to FY 2024. Operating income came in at $49M.
In Q3 2025, PARKE BANCORP, INC. reported revenue of $37M and earnings per share (EPS) of $0.90. Net income for the quarter was $11M. Revenue grew 13.7% year-over-year compared to Q3 2024. Operating income came in at $13M.
In Q2 2025, PARKE BANCORP, INC. reported revenue of $35M and earnings per share (EPS) of $0.70. Net income for the quarter was $8M. Revenue grew 16.0% year-over-year compared to Q2 2024. Operating income came in at $11M.
Over the past 8 quarters, PARKE BANCORP, INC. has demonstrated a growth trajectory, with revenue expanding from $30M to $138M. Investors analyzing PKBK stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
PKBK Dividend Yield and Income Analysis
PARKE BANCORP, INC. (PKBK) currently pays a dividend yield of 3.4%. At this yield, a $10,000 investment in PKBK stock would generate approximately $$339.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning PKBK offers above-average income for its sector. With a net margin of 24.8%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.
PKBK Momentum and Technical Analysis Profile
PARKE BANCORP, INC. (PKBK) has a momentum factor score of 65/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 26/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 32/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.
PKBK vs Competitors — Financials Sector Ranking and Peer Comparison
Comparing PKBK against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full PKBK vs S&P 500 (SPY) comparison to assess how PARKE BANCORP, INC. stacks up against the broader market across all factor dimensions.
PKBK Next Earnings Date
No upcoming earnings date has been announced for PARKE BANCORP, INC. (PKBK) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy PKBK? — Investment Thesis Summary
The bull case for PARKE BANCORP, INC. rests on several quantitative strengths. The quality score of 60/100 indicates above-average profitability and business fundamentals. The value score of 77/100 suggests attractive pricing relative to fundamentals. Price momentum is positive at 65/100, suggesting the trend favors buyers. Low volatility (stability score 90/100) reduces downside risk.
In summary, PARKE BANCORP, INC. (PKBK) earns a Buy rating with a composite score of 60.4/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on PKBK stock.
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Execution Benchmarks audit
Revenue Growth
YOY expansion rate
20.9%
Sector: 9.4%
+123% VS SCTR
Operating Margin
Operating efficiency
32.0%
Sector: 21.8%
+47% VS SCTR
Net Margin
Bottom-line conversion
24.8%
Sector: 17.7%
+40% VS SCTR
Return on Equity
Equity capital efficiency
10.5%
Sector: 8.5%
+24% VS SCTR
Return on Assets
Asset base utilization
1.5%
Sector: 1.2%
+24% VS SCTR
Debt/Equity
Financial leverage load
593.0%
Sector: 121.0%
-390% VS SCTR
Dividend Yield
Direct cash return
3.4%
Sector: 2.5%
+37% VS SCTR
-16%
Price / Sales
2.4x
+170%
PARKE BANCORP, INC. exhibits a 63% valuation premium relative to institutional benchmarks. This represents a potential valuation overextension based on current multiples.
Return on Assets
Efficiency of asset utilization
1.5%
Sector: 1.2%
Gross Margin
Pricing power and cost efficiency
—
Sector: 0.0%
Operating Margin
Core business profitability
32.0%
Sector: 21.8%
Net Margin
Bottom-line profitability
24.8%
Sector: 17.7%
Factor Methodology
The Quality factor evaluates the persistence and magnitude of cash flows. Companies with scores >70 exhibit superior competitive moats and financial resilience through economic cycles.
Sector Avg Yield2.48%
Yield Delta+37%
Income Projection audit
A $10,000 investment would generate approximately $339 annually in dividends at the current trailing rate.