Parke Bancorp Inc Dossier
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SectorFinancials IndustryRegional Banks Beta (adjusted)0.65 Intrinsic Value $23.02median of 2 methodsbased on filings through 30 Jun 2026 Market Price $32.68Price as of 1 Oct 2026 OvervaluedIntrinsic value is 30% below the market price −50% · IV below pricenear fair value ±15%IV above price · +50% Data confidence Sign in to view data confidence Market Cap $384.4M Enterprise Value $323M Shares Outstanding 11.9M diluted Next Earnings Date21 Oct 2026 Last ex-dividend2 Jul 2026 All prices and values are periodic snapshots, not live quotes. Source dates are shown for reference. ThesisStreet consensus, scenarios, merits, risks, and invalidation triggers Thesis Summary Parke Bancorp, Inc. (PKBK) continues to demonstrate exceptional operational efficiency and profitability, outperforming regional banking peers. Driven by strong loan yields and disciplined expense management, the bank achieved a remarkable 4.17% Net Interest Margin and a 31.39% Efficiency Ratio in Q1 2026. While deposit contraction and commercial real estate concentration present industry-wide headwinds, PKBK's robust capital position and consistent profitability support its ongoing share repurchases and growing dividend distributions. This section is the 12-month view: analyst targets and the probability-weighted scenarios built from them. The intrinsic value at the top of this page answers a different question: what the business is worth today. Our research · scenarios, merits, risks, and invalidation triggersResearch as of 20 Jun 2026 Scenarios · 12-month scenario targets Bear CaseDownside scenario Elevated borrowing costs lead to a deterioration in commercial real estate values, forcing higher provisions for credit losses. Continued deposit competition drives funding costs up, compressing NIM below 3.80% and slowing earnings momentum. Base CaseCentral scenario The bank maintains steady single-digit loan growth and successfully manages deposit costs, keeping its Net Interest Margin above 4.00%. Disciplined expense control keeps the efficiency ratio below 35%, driving stable EPS growth. Bull CaseUpside scenario Parke Bancorp (PKBK) presents a compelling value opportunity as a highly profitable community lender trading at a low P/E multiple (around 8.4x to 9.4x) and below its estimated fair value. The bank demonstrates robust financial health, highlighted by a strong net interest margin of 3.64% to 4.17% and an exceptional net profit margin of nearly 49% to 50%. This profitability is supported by a growing loan book that has surpassed $2.0 billion, reflecting active balance sheet utilization in real-economy loans. Furthermore, strong insider alignment is evidenced by recent open-market share purchases by executives and a newly authorized 5% stock buyback program, alongside a reliable and growing dividend payout. Scenarios reflect our research view at the research date. Key Investment Merits
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All scenarios are estimates and subject to change. Past performance is not indicative of future results. Quality Pillars MembersThis section is available to registered members. Create a free account or sign in to unlock the full breakdown. Explore this dossierValuationIntrinsic value, the six-method breakdown, peer medians, and your assumptions sandbox.Financial SnapshotRevenue, profitability, returns, balance sheet, dividends, and the filing-level detail.Qualitative AnalysisBusiness overview, strategic initiatives, and mergers, acquisitions & partnerships.Outlook & Key DatesForward estimates, reporting calendar, and the monitoring framework. |