Parke Bancorp Inc Financials
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Parke Bancorp Inc's revenue grew 11.0% year-over-year to $125.1M, a solid pace of expansion. This earns a growth score of 60/100.
Parke Bancorp Inc has elevated debt relative to equity (D/E of 6.14), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Parke Bancorp Inc converts 28.0% of revenue into free cash flow ($35.0M). This strong cash generation earns a score of 100/100.
Parke Bancorp Inc's ROE of 9.2% shows moderate profitability relative to equity, earning a score of 37/100. This is down from 10.0% the prior year.
Parke Bancorp Inc passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Parke Bancorp Inc generates $1.28 in operating cash flow ($35.2M OCF vs $27.5M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
This page shows Parke Bancorp Inc (PKBK) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Key Financial Metrics
Parke Bancorp Inc generated $125.1M in revenue in fiscal year 2024. This represents an increase of 11.0% from the prior year.
Parke Bancorp Inc generated $35.0M in free cash flow in fiscal year 2024, representing cash available after capex.
Parke Bancorp Inc reported $27.5M in net income in fiscal year 2024. This represents a decrease of 3.3% from the prior year.
Parke Bancorp Inc earned $2.27 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 3.4% from the prior year.
Parke Bancorp Inc held $221.5M in cash against $0 in long-term debt as of fiscal year 2024.
Parke Bancorp Inc paid $0.72 per share in dividends in fiscal year 2024. This represents an increase of 0.0% from the prior year.
Parke Bancorp Inc's net profit margin was 22.0% in fiscal year 2024, showing the share of revenue converted to profit. This is down 3.3 percentage points from the prior year.
Parke Bancorp Inc's ROE was 9.2% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 0.8 percentage points from the prior year.
Parke Bancorp Inc spent $4.3M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
Parke Bancorp Inc invested $119K in capex in fiscal year 2024, funding long-term assets and infrastructure.
PKBK Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $36.5M+4.2% | $35.0M+3.5% | $33.8M+1.6% | $33.3M+10.4% | $30.2M+2.4% | $29.5M-2.7% | $30.3M+4.1% | $29.1M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $16.3M-4.7% | $17.2M-0.5% | $17.2M-2.6% | $17.7M+11.5% | $15.9M+2.9% | $15.4M+4.3% | $14.8M+10.1% | $13.4M |
| Income Tax | $2.9M+4.2% | $2.7M+8.6% | $2.5M+8.4% | $2.3M-0.6% | $2.3M+5.1% | $2.2M-25.5% | $3.0M+778.5% | $340K |
| Net Income | $10.6M+28.3% | $8.3M+6.5% | $7.8M+5.1% | $7.4M+14.6% | $6.5M+4.9% | $6.2M-24.7% | $8.2M+694.3% | $1.0M |
| EPS (Diluted) | $0.89+29.0% | $0.69+6.2% | $0.65+6.6% | $0.61+15.1% | $0.53+3.9% | $0.51-25.0% | $0.68+750.0% | $0.08 |
PKBK Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.2B+0.1% | $2.2B+1.3% | $2.1B0.0% | $2.1B+5.7% | $2.0B+0.9% | $2.0B-0.7% | $2.0B+2.0% | $2.0B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $159.3M-13.5% | $184.3M-11.9% | $209.0M-5.6% | $221.5M+32.1% | $167.7M-2.0% | $171.1M-5.1% | $180.4M+42.3% | $126.7M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $1.9B0.0% | $1.9B+1.2% | $1.8B-0.3% | $1.8B+6.2% | $1.7B+0.8% | $1.7B-1.1% | $1.7B+2.0% | $1.7B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $314.8M+0.9% | $312.2M+2.0% | $305.9M+2.0% | $300.1M+2.5% | $292.8M+1.5% | $288.4M+1.4% | $284.3M+2.3% | $278.0M |
| Retained Earnings | $188.7M+4.7% | $180.1M+3.5% | $174.0M+3.4% | $168.3M+6.7% | $157.7M+2.8% | $153.4M+2.7% | $149.4M+4.2% | $143.4M |
PKBK Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $11.4M+68.0% | $6.8M-3.4% | $7.0M-17.8% | $8.5M-4.3% | $8.9M+6.6% | $8.3M-7.6% | $9.0M+1334.2% | -$732K |
| Capital Expenditures | $107K+75.4% | $61K-84.0% | $381K+710.6% | $47K+34.3% | $35K+94.4% | $18K | N/A | N/A |
| Free Cash Flow | $11.2M+67.9% | $6.7M+1.2% | $6.6M-21.8% | $8.5M-4.5% | $8.9M+6.4% | $8.3M | N/A | N/A |
| Investing Cash Flow | -$27.3M+46.6% | -$51.2M-290.8% | -$13.1M+52.9% | -$27.8M-21.3% | -$22.9M-737.2% | $3.6M-72.5% | $13.1M+238.0% | -$9.5M |
| Financing Cash Flow | -$9.0M-145.7% | $19.6M+406.5% | -$6.4M-109.4% | $68.3M+546.1% | $10.6M+149.8% | -$21.2M-167.3% | $31.5M+5721.7% | -$561K |
| Dividends Paid | $2.1M+0.5% | $2.1M+0.3% | $2.1M-0.2% | $2.1M-1.2% | $2.2M+0.1% | $2.2M+1.4% | $2.1M-1.3% | $2.2M |
| Share Buybacks | $6.5M | N/A | N/A | $2.2M | N/A | N/A | $0 | N/A |
PKBK Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 29.1%+5.5pp | 23.6%+0.7pp | 23.0%+0.8pp | 22.2%+0.8pp | 21.4%+0.5pp | 20.9%-6.1pp | 27.0%+23.4pp | 3.5% |
| Return on Equity | 3.4%+0.7pp | 2.6%+0.1pp | 2.5%+0.1pp | 2.5%+0.3pp | 2.2%+0.1pp | 2.1%-0.7pp | 2.9%+2.5pp | 0.4% |
| Return on Assets | 0.5%+0.1pp | 0.4%+0.0pp | 0.4%0.0pp | 0.4%+0.0pp | 0.3%+0.0pp | 0.3%-0.1pp | 0.4%+0.4pp | 0.1% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 5.90-0.1 | 5.95-0.0 | 6.00-0.1 | 6.14+0.2 | 5.92-0.0 | 5.97-0.2 | 6.12-0.0 | 6.14 |
| FCF Margin | 30.8%+11.7pp | 19.1%-0.4pp | 19.6%-5.9pp | 25.4%-4.0pp | 29.4%+1.1pp | 28.3% | N/A | N/A |
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Frequently Asked Questions
What is Parke Bancorp Inc's annual revenue?
Parke Bancorp Inc (PKBK) reported $125.1M in total revenue for fiscal year 2024. This represents a 11.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Parke Bancorp Inc's revenue growing?
Parke Bancorp Inc (PKBK) revenue grew by 11% year-over-year, from $112.7M to $125.1M in fiscal year 2024.
Is Parke Bancorp Inc profitable?
Yes, Parke Bancorp Inc (PKBK) reported a net income of $27.5M in fiscal year 2024, with a net profit margin of 22.0%.
What is Parke Bancorp Inc's earnings per share (EPS)?
Parke Bancorp Inc (PKBK) reported diluted earnings per share of $2.27 for fiscal year 2024. This represents a -3.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Parke Bancorp Inc's net profit margin?
Parke Bancorp Inc (PKBK) had a net profit margin of 22.0% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does Parke Bancorp Inc pay dividends?
Yes, Parke Bancorp Inc (PKBK) paid $0.72 per share in dividends during fiscal year 2024.
What is Parke Bancorp Inc's return on equity (ROE)?
Parke Bancorp Inc (PKBK) has a return on equity of 9.2% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Parke Bancorp Inc's free cash flow?
Parke Bancorp Inc (PKBK) generated $35.0M in free cash flow during fiscal year 2024. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Parke Bancorp Inc's operating cash flow?
Parke Bancorp Inc (PKBK) generated $35.2M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Parke Bancorp Inc's total assets?
Parke Bancorp Inc (PKBK) had $2.1B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Parke Bancorp Inc's capital expenditures?
Parke Bancorp Inc (PKBK) invested $119K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
Does Parke Bancorp Inc buy back shares?
Yes, Parke Bancorp Inc (PKBK) spent $4.3M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
What is Parke Bancorp Inc's debt-to-equity ratio?
Parke Bancorp Inc (PKBK) had a debt-to-equity ratio of 6.14 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Parke Bancorp Inc's return on assets (ROA)?
Parke Bancorp Inc (PKBK) had a return on assets of 1.3% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Parke Bancorp Inc's Piotroski F-Score?
Parke Bancorp Inc (PKBK) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Parke Bancorp Inc's earnings high quality?
Parke Bancorp Inc (PKBK) has an earnings quality ratio of 1.28x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Parke Bancorp Inc?
Parke Bancorp Inc (PKBK) scores 49 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.