Parke Bancorp, Inc. (PKBK) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

+48.6%

$49.59

vs $33.37 price

Levered DCF

$49.91

After debt service

Piotroski score

5 / 9

Average

Altman Z-score

0.3

Distress zone

Rating

Overall 4 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
P/E	7.82×	8.92×	8.51×	5.91×	6.2×	6.5×	9.16×	7.4×
P/B	0.9×	0.82×	0.85×	0.93×	1.09×	0.92×	1.54×	1.17×
P/S	2.01×	1.89×	2.03×	2.58×	2.78×	2.08×	3.28×	2.76×
EV / EBITDA	5.55×	5.75×	6.02×	3.37×	-4.01×	-0.17×	5.67×	4.25×
Gross margin	53.3%	48.1%	61.1%	83.4%	85.2%	66.7%	69.6%	76.1%
Operating margin	34.2%	28.0%	31.6%	58.5%	60.4%	43.8%	48.1%	51.2%
Net margin	25.9%	21.3%	23.8%	43.6%	44.9%	32.0%	35.8%	38.0%
Current ratio	0.09×	0.14×	0.13×	0.13×	0.35×	0.31×	0.17×	0.16×
Debt / equity	0.44×	0.63×	0.59×	0.47×	0.52×	1.33×	0.83×	0.77×
Interest coverage	0.75×	0.55×	0.78×	3.96×	4.24×	1.78×	1.77×	2.43×
Dividend yield	2.9%	3.5%	3.6%	3.2%	3.0%	4.0%	2.4%	3.0%
Payout ratio	22.4%	31.3%	30.3%	18.9%	18.7%	26.2%	21.7%	21.8%

Key metrics by fiscal year

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Return on equity	11.6%	9.2%	10.0%	15.7%	17.5%	14.1%	16.8%	16.2%
Return on invested capital	7.9%	5.5%	6.0%	10.3%	11.2%	6.0%	8.9%	8.9%
Return on assets	1.7%	1.3%	1.4%	2.1%	1.9%	1.4%	1.8%	1.7%
Free cash flow yield	13.3%	14.3%	9.5%	17.5%	15.2%	19.6%	12.4%	16.0%
Earnings yield	12.9%	11.2%	11.8%	16.9%	16.1%	15.4%	10.9%	13.8%
Enterprise value	$280.2M	$211.9M	$229.6M	$191.1M	-$222.7M	-$6.5M	$229.7M	$143.8M
Net debt / EBITDA	-0.27×	-0.9×	-0.32×	-0.99×	-8.56×	-4.86×	-1.08×	-1.08×
Cash conversion cycle (days)	4	-16	-6	-28	-13	7	-6	-4