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Upturn AI SWOT - About
PKBK 
Parke Bancorp Inc (PKBK)
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Upturn Advisory Summary
04/01/2025: PKBK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -4.03% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 224.18M USD | Price to earnings Ratio 8.3 | 1Y Target Price 13 |
Price to earnings Ratio 8.3 | 1Y Target Price 13 | ||
Volume (30-day avg) 23675 | Beta 0.73 | 52 Weeks Range 14.80 - 24.07 | Updated Date 03/31/2025 |
52 Weeks Range 14.80 - 24.07 | Updated Date 03/31/2025 | ||
Dividends yield (FY) 3.82% | Basic EPS (TTM) 2.27 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 44.17% | Operating Margin (TTM) 61.04% |
Management Effectiveness
Return on Assets (TTM) 1.32% | Return on Equity (TTM) 9.42% |
Valuation
Trailing PE 8.3 | Forward PE - | Enterprise Value 192424512 | Price to Sales(TTM) 3.6 |
Enterprise Value 192424512 | Price to Sales(TTM) 3.6 | ||
Enterprise Value to Revenue 6.55 | Enterprise Value to EBITDA - | Shares Outstanding 11842600 | Shares Floating 9683335 |
Shares Outstanding 11842600 | Shares Floating 9683335 | ||
Percent Insiders 19.81 | Percent Institutions 49.86 |
Analyst Ratings
Rating - | Target Price 13 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Parke Bancorp Inc
Company Overview
History and Background
Parke Bancorp, Inc. was founded in 1999 and is headquartered in Sewell, New Jersey. It operates as the bank holding company for Parke Bank, providing commercial banking services to small and medium-sized businesses and individuals, primarily in the Philadelphia and South Jersey region. Over the years, Parke Bancorp has focused on organic growth and strategic expansion within its target markets.
Core Business Areas
- Commercial Lending: Offers commercial real estate loans, construction loans, and commercial and industrial loans.
- Residential Lending: Provides residential mortgage loans.
- Deposit Accounts: Offers a range of deposit accounts, including checking, savings, and money market accounts.
- SBA Lending: Provides SBA lending focused on growing small businesses.
Leadership and Structure
The leadership team includes David J. Parke (Chairman and CEO). The organizational structure consists of various departments, including lending, operations, finance, and compliance, reporting to the CEO and executive management team. The board of directors provides oversight and strategic guidance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial real estate loans comprise a significant portion of Parke Bank's loan portfolio. Market share data for specific commercial real estate loan market in their service area is difficult to ascertain precisely, but they are a key player in the South Jersey area. Competitors: Fulton Financial (FULT), OceanFirst Financial (OCFC), and other regional banks.
- Commercial and Industrial (C&I) Loans: C&I loans cater to working capital, equipment financing, and other business needs. Again, market share is localized, but they focus on relationship-based lending. Competitors: Similar to commercial real estate loans.
- SBA Loans: The bank has a strong SBA loan program which facilitates small business growth. Competitors include regional banks such as Firstrust Bank and WSFS Bank, as well as national players like Huntington Bancshares (HBAN) that have large SBA practices.
Market Dynamics
Industry Overview
The banking industry is currently facing a challenging environment with rising interest rates, increased regulatory scrutiny, and heightened competition from both traditional and non-traditional financial institutions. Economic uncertainty and potential recessionary pressures also present headwinds.
Positioning
Parke Bancorp positions itself as a community-focused bank with a strong emphasis on relationship banking. It differentiates itself through personalized service and local market expertise, offering competitive loan products and deposit rates to attract and retain customers. Their focus is on the Philadelphia and South Jersey regions.
Total Addressable Market (TAM)
The total addressable market for banking services in the Philadelphia and South Jersey region is estimated to be in the billions of dollars. Parke Bancorp has a small but growing portion of this TAM, primarily targeting small to medium-sized businesses.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Experienced management team
- Focus on relationship banking
- Strong asset quality
Weaknesses
- Limited geographic reach
- Smaller size compared to larger competitors
- Reliance on traditional banking model
- Limited diversification of revenue streams
Opportunities
- Expansion into new markets within the region
- Adoption of new technologies to improve efficiency
- Increased demand for SBA loans
- Strategic acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Changes in regulatory requirements
Competitors and Market Share
Key Competitors
- FULT
- OCFC
- WSFS
- HBAN
Competitive Landscape
Parke Bancorp competes with larger regional banks and national players, along with credit unions and online lenders. Its competitive advantages include local market knowledge and personalized service.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Parke Bancorp has experienced moderate growth in recent years, driven by organic loan growth and expansion into new markets.
Future Projections: Future growth projections are typically available from analyst reports, which estimate revenue and earnings growth based on various factors.
Recent Initiatives: Recent strategic initiatives include expansion of the lending team, investment in technology infrastructure, and new branch openings.
Summary
Parke Bancorp is a community bank focused on serving the Philadelphia and South Jersey region. Its strengths lie in its local market knowledge and relationship-based banking. However, it faces challenges from larger competitors and economic uncertainties. Future growth depends on strategic expansion and adoption of new technologies. The bank is a solid, small company but has limited geographic reach to be considered a growth stock.
Similar Companies
FULT
Fulton Financial Corporation
FULT
Fulton Financial Corporation
HBAN
Huntington Bancshares Incorporated
HBAN
Huntington Bancshares Incorporated
OCFC
OceanFirst Financial Corp
OCFC
OceanFirst Financial Corp
WSFS
WSFS Financial Corporation
WSFS
WSFS Financial Corporation
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is based on estimates and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Parke Bancorp Inc
Exchange NASDAQ | Headquaters Washington Township, NJ, United States | ||
IPO Launch date 2001-09-05 | President, CEO & Director Mr. Vito S. Pantilione | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 99 | Website https://www.parkebank.com |
Full time employees 99 | Website https://www.parkebank.com | ||
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 accepts various deposit products, including checking, savings, money market, time, and other traditional deposit services, as well as individual retirement accounts and certificates of deposit. Its loan portfolio consists of residential, commercial real estate, construction, commercial and industry, and consumer loans. The company also offers debit cards, internet banking, and online bill payment services. Parke Bancorp, Inc. was founded in 1999 and is headquartered in Washington Township, New Jersey.
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