公司概述
Parke Bancorp, Inc. operates as a bank holding company that manages Parke Bank, an institution dedicated to delivering personal and business financial services to individuals as well as small to mid-sized enterprises. The company functions within the Financial Services sector, specifically categorized under the Banks - Regional industry, which implies a focus on localized lending and deposit gathering rather than nationwide diversification. On a scale appropriate for a regional entity, Parke Bancorp, Inc. maintains a market capitalization of $334.43M, generates annual revenue of $77.38M, and employs a workforce of 103 individuals. These financial figures indicate that the company is a mid-sized regional player with a market cap and revenue profile that reflects a focused operational scope rather than the extensive scale of large national banks.
财务健康
The company reports a trailing twelve-month revenue of $77.38M and net income of $37.76M, while EBITDA data is not available in the current reporting period. The substantial gap between the $77.38M revenue and the $37.76M net income reveals a high-efficiency cost structure where operating expenses are kept well below the revenue threshold, allowing a significant portion of earnings to reach the bottom line. Regarding cash flow, free cash flow figures are not disclosed in the available data, meaning the company's specific financial flexibility regarding cash generation relative to capital expenditures cannot be directly quantified from these metrics. Profitability analysis shows a gross margin of 0.0%, which is standard for financial institutions where revenue is net interest income and operating expenses are deducted before gross margin calculation in this context, while the operating margin stands at 68.9% and the profit margin reaches 48.8%, indicating highly efficient core operations. The company holds $156.86M in cash assets against $145.79M in total debt, though the debt-to-equity ratio is not listed, suggesting a conservative balance sheet with more liquid assets than liabilities. Short-term liquidity is assessed via the current ratio, which is not provided in the dataset, preventing a specific evaluation of the company's ability to cover short-term obligations with short-term assets. Return on Equity is recorded at 12.1% and Return on Assets at 1.7%, metrics that reveal management effectiveness in generating shareholder value relative to equity and utilizing total assets to produce earnings respectively.
估值评估
Valuation metrics indicate a trailing P/E ratio of 8.94, whereas the forward P/E is not available, a discrepancy that implies the market is currently pricing in earnings without forward-looking guidance or that future earnings estimates are not yet established by analysts. The price-to-book ratio is 1.01, indicating that the company's market value trades almost exactly at its book value, suggesting the market does not currently assign a significant premium or discount to the bank's tangible assets. Alternative valuation perspectives include a price-to-sales ratio of 4.32, while EV/EBITDA is not available, suggesting the market values the company based on revenue multiples common in the banking sector rather than enterprise value to earnings multiples. Price action over the last year shows a 52-week high of $29.50 and a 52-week low of $16.94, placing the current trading range within a specific band that reflects recent volatility and market sentiment. The stock exhibits a beta of 0.52, which means its price volatility is significantly lower than the broader market, indicating a defensive characteristic typical of regional banking stocks during market fluctuations.
Growth & Income
Growth dynamics are highlighted by a revenue growth rate of 33.9% year-over-year and an earnings growth rate of 53.3% year-over-year, demonstrating that earnings are expanding at a notably faster pace than revenue, which implies improving operating leverage or margin expansion. As a dividend payer, the company offers a dividend yield of 2.6% with a payout ratio of 22.8%, a low payout ratio that suggests the dividend is highly sustainable given the strong earnings growth and retained earnings available for reinvestment. Since the payout ratio is low, the company retains a majority of its earnings to fund internal growth initiatives, loan portfolio expansion, or share buybacks rather than distributing maximum cash to shareholders. Overall, the growth and income profile is characterized by robust double-digit earnings expansion and a conservative dividend policy that prioritizes capital retention for future banking operations.