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Upturn AI Summary - About
Parke Bancorp Inc(PKBK)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for PKBK
10/19/2026: PKBK (4-star) is currently NOT-A-BUY. Pass it for now.
Parke Bancorp Inc is a regional bank holding company that provides commercial and retail banking services in New Jersey and Pennsylvania. Its main strength lies in a relationship-driven lending model that has fostered a loyal local customer base. The primary growth opportunity involves deepening its presence in the Mid-Atlantic market and enhancing digital banking efficiency to attract new depositors. However, the company faces risks related to geographic concentration, interest rate sensitivity, and intense competition for deposits. It is best suited for value and dividend-oriented investors who prioritize steady income over high-growth speculative returns. Potential developments to monitor include net interest margin trends and regional economic indicators.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company focuses on steady, moderate growth rather than aggressive expansion. |
| Momentum investor | Weak fit | This is a quiet, steady stock that rarely exhibits high-momentum price action. |
| Value investor | Strong fit | Regional banks often trade on fundamental valuation metrics like P/B and P/E, which may interest value-oriented investors. |
| Dividend investor | Strong fit | The company has a history of paying dividends, making it a potential candidate for income-focused portfolios. |
| Low-risk investor | Mixed fit | While stable, regional bank stocks are subject to sector-wide interest rate and economic risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks can be sensitive to macroeconomic data and interest rate changes. |
| Valuation risk | Medium | Valuations are tied closely to book value and future interest rate expectations. |
| Competition risk (Banking) | Medium / high | Intense competition for deposits and lending clients puts pressure on margins. |
| Business quality | Medium | The business relies on a concentrated geographic market. |
| Dividend income | Low | Dividend payouts depend on the bank's ability to maintain earnings stability. |
| Execution risk | Medium | Operational success requires effective credit underwriting and expense management. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Very Smooth
The stock has followed a highly orderly price path with minimal short-term disruption.
Analysis of Past Performance
Type Stock | Historic Profit 103.9% | Avg. Invested days 98 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  5.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 10/19/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 380.37M USD | Price to earnings Ratio 8.42 | 1Y Target Price 13 |
Price to earnings Ratio 8.42 | 1Y Target Price 13 | ||
Volume (30-day avg) 40.3K shares | Beta 0.52 | 52 Weeks Range 20.08 - 35.48 | Updated Date 10/18/2026 |
52 Weeks Range 20.08 - 35.48 | Updated Date 10/18/2026 | ||
Dividends yield (FY) 2.27% | Basic EPS (TTM) 3.84 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | The bank primarily makes money on the spread between what it earns on loans and what it pays customers for deposits. |
| Non-Interest Income | Service fees, mortgage banking income, and other banking-related charges. | This is supplemental income generated from fees and services rather than interest. |
Valuation
Trailing PE 8.42 | Forward PE 7.66 | Enterprise Value 353.37M | Price to Sales(TTM) 4.28 |
Enterprise Value 353.37M | Price to Sales(TTM) 4.28 | ||
Enterprise Value to Revenue 6.36 | Enterprise Value to EBITDA - | Shares Outstanding 11.76M | Shares Floating 9.78M |
Shares Outstanding 11.76M | Shares Floating 9.78M | ||
Percent Insiders 15.31 | Percent Institutions 67.84 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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