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what it is
Parke Bancorp is a New Jersey community bank that makes money by lending locally and gathering deposits.
how it gets paid
Last year Parke Bancorp made $143M in revenue. commercial real estate loans was the main engine at $50.05M, or 35% of sales.
why it's growing
Revenue grew 14.0% last year. EDGAR shows revenue up 189% vs. prior year and EPS up 151%.
what just happened
Was loud: revenue hit $105M and EPS reached $2.23.
At a glance
B+ balance sheet — decent shape, but not bulletproof
65/100 earnings predictability — reasonably predictable
8.6x trailing p/e — the market's not buying it — or you found a deal
2.6% dividend yield — cash in your pocket every quarter
$3.16 fy2025 eps est
xvary composite: 57/100 — below average
What they do
Parke Bancorp is a New Jersey community bank that makes money by lending locally and gathering deposits.
This is a local relationship bank, not a national ad campaign. Parke focuses on small and mid-sized businesses with up to $25 million in annual sales, and that matters because business owners usually keep borrowing, deposits, and payments with the same lender. You are buying a bank with $1.8 billion in deposits funding a $2.2 billion asset base, which means cheap local funding still does the heavy lifting.
How they make money
$143M
annual revenue · their business grew +14.0% last year
commercial real estate loans
$50.05M
construction loans
$35.75M
working capital and business lending
$25.74M
deposit accounts and service fees
$17.16M
residential lending
$14.30M
The products that matter
commercial property lending
Commercial Real Estate Lending
core profit driver
this is the business sitting underneath the 49% net margin and the 30% jump in net interest income. if credit quality slips here, the whole story changes fast.
main exposure
funding base for loans
Deposit Services
supports lending spread
deposits are the raw material for a bank. PKBK borrows from depositors, lends at higher rates, and keeps the difference. When that gap widens, earnings jump. When it narrows, the cheap multiple stops looking generous.
balance sheet fuel
local retail and consumer banking
Personal Banking
smaller segment
this is the storefront side of the business. with only seven branches, it matters for local relationships, but it is not the reason the stock trades where it does.
supporting role
Key numbers
8.6x
trailing p/e
You are paying 8.6 times earnings for a profitable bank, which is cheap versus the broader market and cheap for a bank still growing revenue.
$2.2B
total assets
This is a tiny stock attached to a real bank balance sheet. Small-cap equity is controlling a much larger asset base.
$1.8B
total deposits
Deposits are raw material for a bank. More deposits generally mean more fuel for lending and earnings.
2.6%
dividend yield
You are getting paid while you wait, and past dividend growth of 7.5% says management has been raising that payout.
Financial health
B+
strength
- balance sheet grade B+ — solid but not elite
- risk rank 3 — safer than 50% of stocks
- price stability 85 / 100
- long-term debt $188M (37% of capital)
B+ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for PKBK right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Was loud: revenue hit $105M and EPS reached $2.23.
EDGAR shows quarterly revenue up 189% vs. prior year and EPS up 151%. That clashes with Value Line's recent quarterly EPS run-rate, so you should treat the filing numbers as the hard print and the mismatch as a yellow flag.
$105M
revenue
$2.23
eps
n/a
n/a
the number that mattered
Revenue growth of 189% mattered most because it is too large to ignore and forces you to check whether this is one-time noise or a real earnings reset.
source: company earnings report, 2026
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What could go wrong
the main risk here is commercial real estate credit weakness in PKBK's local market. this bank made $37.8M with a seven-branch footprint, which is impressive. it also means one niche carries a lot of weight.
high
Commercial real estate concentration
the bank's lending niche is the bull case and the bear case. if commercial real estate weakens in its local market, loan performance, provisions, and earnings all get hit at once.
this sits directly underneath the 49% net margin and the 30% rise in net interest income.
med
Spread compression
banks earn the spread between loan yields and deposit costs. if deposit pricing rises faster than loan yields, the $76.5M income engine cools quickly.
for a stock at 8.6x earnings, a margin squeeze is exactly the kind of durability problem the market is already discounting.
med
Small scale
with seven branches and a $321M market cap, PKBK does not get much room for error. one weak lending pocket matters more here than it would at a larger regional bank.
small size can keep a stock cheap even when recent earnings look strong.
low
Thin outside coverage
institutional ownership detail and long-range target data are thin in this snapshot. that does not make the business worse, but it does make the stock easier for the market to ignore.
limited coverage slows re-rating stories because fewer investors are paying attention in the first place.
what would change our mind: if net interest income stops building from the current $76.5M level or commercial real estate credit starts to crack, the cheap multiple probably deserves to stay cheap.
source: institutional data · regulatory filings · risk analysis
Pay attention to
earnings
Q1 2026 earnings report
estimated for April 16, 2026. first check whether net interest income keeps building on the $76.5M full-year base.
margin
net interest income direction
PKBK's growth story came from spread income. if that number stalls, the market will keep treating 8.6x earnings as normal, not cheap.
credit
commercial real estate credit quality
watch for any change in provisions or commentary around local property stress. that's the fastest route from bargain story to value trap story.
valuation
whether the p/e discount closes
PKBK trades at 8.6x earnings versus a 12.1 industry average. if earnings stay strong and the gap stays wide, the market is telling you it still doubts the quality.
Analyst rankings
earnings predictability
65 / 100
this sits in the middle. in human-speak, analysts think the bank is fairly steady, but not steady enough to remove surprise risk.
risk rank
3
risk rank: 3. that means it screens safer than many stocks, but this is still a concentrated small bank, not a bunker asset.
source: institutional data
Institutional activity
institutional ownership data for PKBK is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$27
current price
n/a
target midpoint · n/a from current
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