Core earnings power remains robust, evidenced by an OCF/NI ratio of 1.10 in 2026Q1, which supports a consistent quarterly dividend payout of approximately $2.1 million.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 | Dec'08 | Dec'07 | Dec'06 | Dec'05 | Dec'04 | Dec'03 |
|---|
| Cash from Operations | 45.57M | 39.55M | 35.13M | 23.02M | 43.45M | 38.64M | 36.52M | 34.43M | 28.9M | 19M | 12.72M | 5.05M | 26.53M | 5.39M | 17.28M | 17.48M | 17.37M | 6.76M | 7.9M | 5.01M | 6.32M | 4.6M | 3.35M | 2.35M |
| Operating CF Growth % | 152.4% | 12.57% | 52.64% | -47.02% | 12.45% | 5.82% | 6.05% | 19.14% | 52.14% | 49.32% | 151.72% | -80.95% | 392.12% | -68.81% | -1.14% | 0.63% | 157.09% | -14.47% | 57.55% | -20.7% | 37.37% | 37.37% | 42.83% | - |
| Net Income | 41.84M | 37.77M | 27.51M | 28.46M | 41.82M | 40.98M | 28.88M | 30.29M | 25.04M | 11.84M | 18.94M | 11.94M | 12.31M | 9.24M | 8.07M | 8.2M | 7.5M | 6.1M | 4.25M | 5.85M | 4.62M | 3.49M | 2.72M | 2M |
| Depreciation & Amortization | 68K | 508K | 571K | 464K | 646K | 687K | 586K | 431K | 380K | 320K | 269K | 251K | 348K | 337K | 358K | 366K | 348K | 312K | 306K | 232K | 259.7K | 191K | 251.48K | 194.87K |
| Deferred Taxes | 0 | -1.65M | 126K | 595K | -1.32M | 1.08M | -2.29M | -163K | 58K | 4.14M | 305K | -190K | 1.79M | -126K | -1.34M | -1.8M | -1.73M | -2.83M | -1.51M | -569K | -531K | -387K | -45.97K | -290.7K |
| Other Non-Cash Items | 10.12M | 1.85M | 5K | -2.86M | 895K | -95K | 7.47M | 2.61M | 3.04M | 1.79M | -5.08M | -7.63M | 13.97M | -5.56M | 8.19M | 9.86M | 11.74M | 6.67M | 4.71M | 1.11M | 1.03M | 1.19M | 828.32K | 852.67K |
| Working Capital Changes | -6.46M | 781K | 6.58M | -4.04M | 1.06M | -4.24M | 1.62M | 1.09M | 272K | 829K | -1.71M | 678K | -1.89M | 1.5M | 2.01M | 852K | -483K | -3.51M | 155K | -1.61M | 937K | 116K | -396.07K | -412.18K |
| Cash from Investing | -168.19M | -173.07M | -80.07M | -34.89M | -262.94M | 79.19M | -133.79M | -176.13M | -219.89M | -155.99M | -84.29M | -64.42M | -47.79M | -51.69M | -21.16M | -3.13M | -55.18M | -56.48M | -149.06M | -102.31M | -55.19M | -71.17M | -53.24M | -46.42M |
| Purchase of Investments | -2.59M | -500K | 0 | 0 | 0 | -8.69M | 0 | 0 | 0 | 0 | -10M | -20.48M | 0 | -22.03M | -4.15M | -1.54M | -5.75M | -9.15M | -13.95M | -12.74M | -5.21M | -7.41M | -15.62M | -6.93M |
| Sale/Maturity of Investments | 644K | 1.97M | 1.76M | 2.56M | 3.5M | 8.74M | 7.17M | 5.49M | 7.2M | 7.13M | 0 | 0 | 3.97M | 1.51M | 1M | 500K | 11.63M | 9.38M | 6.23M | 6.93M | 2.17M | 7.28M | 5.38M | 14.79M |
| Net Investment Activity | -1.94M | 1.47M | 1.76M | 2.56M | 3.5M | 46K | 7.17M | 5.49M | 7.2M | 7.13M | -10M | -20.48M | 3.97M | -20.52M | -3.15M | -1.04M | 5.88M | 233K | -7.72M | -5.81M | -3.04M | -133K | -10.25M | 7.86M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -165.19M | -173.94M | -81.71M | -37.56M | -266.29M | 79.21M | -140.7M | -181.03M | -226.95M | -160.97M | -73.41M | -43.59M | -51.64M | -31.05M | -17.79M | -1.89M | -59.24M | -56.55M | -141.23M | -96.42M | -51.52M | -70.94M | -42.73M | -53.44M |
| Cash from Financing | 24.46M | 68.86M | 86.06M | 10.1M | -194.91M | 20.12M | 364.26M | 178.84M | 303.35M | 108.38M | 114.86M | 50.56M | 11.83M | 15.09M | -29.49M | 38.25M | 91.28M | 46.61M | 139.25M | 95.22M | 55.75M | 69.14M | 47.42M | 40.8M |
| Dividends Paid | -8.45M | -8.45M | -8.6M | -8.63M | -7.89M | -7.63M | -7.44M | -6.49M | -5.41M | -4.38M | -3.23M | -2.66M | -1.57M | -818K | -816K | -816K | -813K | -645K | 0 | -4K | -568K | 0 | 0 | 0 |
| Share Repurchases | -6.48M | -6.48M | -4.26M | 0 | 0 | -201K | 0 | 0 | 0 | 0 | -4K | -831K | 0 | 0 | 0 | 0 | 0 | -332K | -29K | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 2.35M | 1.2M | 0 | 0 | 0 | 201K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 243.68K | 0 |
| Net Stock Activity | -4.13M | -5.28M | -4.26M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -4K | -831K | 0 | 0 | 0 | 0 | 0 | -332K | -29K | 0 | 0 | 0 | 243.68K | 0 |
| Debt Issuance (Net) | 0 | -1000K | 1000K | 1000K | 1000K | -1000K | 1000K | 1000K | -1000K | 1000K | -1000K | 1000K | -1000K | 1000K | -1000K | 1000K | 1000K | 1000K | 1000K | 1000K | -1000K | 1000K | 1000K | 1000K |
| Other Financing | 32.03M | 127.62M | 78.93M | -23.12M | -192.02M | 174.28M | 252.63M | 155.33M | 318.76M | 77.77M | 123.1M | 18.75M | 19.34M | -13.12M | 1.49M | 29.22M | 84.44M | 25.41M | 117.53M | 89.55M | 57.87M | 52.47M | 37.14M | 34.9M |
| Net Change in Cash | -98.16M | -64.66M | 41.15M | -1.77M | -414.4M | 137.95M | 266.99M | 37.14M | 112.36M | -28.61M | 43.29M | -8.81M | -9.42M | -31.2M | -33.36M | 52.6M | 53.47M | -3.12M | -1.91M | -2.08M | 6.88M | 2.58M | -2.47M | -3.27M |
| Exchange Rate Effect | 45.99M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 156.86M | 221.53M | 180.38M | 182.15M | 596.55M | 458.6M | 191.61M | 154.47M | 42.11M | 70.72M | 27.43M | 36.24M | 45.66M | 76.87M | 110.23M | 57.63M | 4.15M | 7.27M | 9.18M | 11.26M | 4.38M | 1.8M | 4.27M | 7.54M |
| Cash at End | 110.87M | 156.86M | 221.53M | 180.38M | 182.15M | 596.55M | 458.6M | 191.61M | 154.47M | 42.11M | 70.72M | 27.43M | 36.24M | 45.66M | 76.87M | 110.23M | 57.63M | 4.15M | 7.27M | 9.18M | 11.26M | 4.38M | 1.8M | 4.27M |
| Interest Paid | 66.11M | 69.61M | 62.58M | 47.01M | 13.1M | 13.69M | 21.82M | 21.79M | 13.1M | 8.33M | 6.6M | 5.76M | 5.56M | 5.91M | 7.5M | 9.44M | 11.34M | 16.43M | 19.72M | 0 | 0 | 0 | 0 | 0 |
| Income Taxes Paid | 8.95M | 8.43M | 4.54M | 14.68M | 13.92M | 16.81M | 9.36M | 9.9M | 8.65M | 7.4M | 9.98M | 6.49M | 5.3M | 4.79M | 5.6M | 5.7M | 8.35M | 6.7M | 3.61M | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | 45.29M | 38.93M | 35.04M | 23.02M | 43.3M | 38.58M | 36.27M | 33.84M | 28.76M | 16.85M | 11.85M | 4.7M | 26.41M | 5.28M | 17.06M | 17.27M | 15.61M | 6.6M | 7.8M | 4.93M | 5.69M | 4.51M | 3.09M | 1.51M |
| FCF Growth % | 35.9% | 11.1% | 52.22% | -46.84% | 12.24% | 6.37% | 7.17% | 17.65% | 70.72% | 42.21% | 151.96% | -82.2% | 400.42% | -69.06% | -1.25% | 10.68% | 136.52% | -15.38% | 58.21% | -13.42% | 26.32% | 45.75% | 105.17% | - |
CRE concentration and liquidity
According to quarterly financial disclosures, Parke Bancorp has demonstrated a consistent ability to convert net income into operating cash flow, with the OCF/NI ratio reaching 1.10 in 2026Q1, suggesting that the bank's core earnings are well-supported by actual cash generation from its specialized lending activities.
The bank's ability to maintain an OCF/NI ratio consistently above 1.0 indicates that its reported earnings are not overly reliant on non-cash accounting adjustments. This strong conversion profile provides the necessary internal capital generation to support ongoing loan growth without immediate reliance on external equity markets.
Based on reported cash flow statements, Parke Bancorp has maintained a steady dividend payout of approximately $2.1 million per quarter, a policy that appears sustainable given the bank's robust net income growth and its strategic focus on retaining capital for its high-yield commercial loan book.
The stability of the dividend payments suggests a management preference for predictable shareholder returns while prioritizing the preservation of capital for organic growth. Investors should monitor whether this payout ratio remains conservative enough to absorb potential credit volatility inherent in the bank's construction-heavy portfolio.
As indicated by the historical cash flow data, Parke Bancorp’s provision for loan losses has remained relatively modest, with a $202,000 charge in 2026Q1, suggesting that the bank's current credit risk assessment remains cautious despite the inherent cyclicality of its commercial real estate and construction lending niches.
The fluctuation in provision expenses across the observed periods implies a responsive approach to credit quality monitoring. While these figures appear manageable, the bank's heavy concentration in construction lending warrants further investigation into whether current provisions adequately account for potential project delays or cost overruns in the local market.
Based on the provided cash flow data, Parke Bancorp has engaged in negligible investment securities purchasing activity, with most quarters showing zero or minimal capital deployment into the portfolio, suggesting a strategic focus on prioritizing loan originations over the accumulation of a large, low-yield investment securities book.
This lack of investment activity underscores the bank's business model as a pure-play commercial lender rather than a diversified financial institution. By avoiding significant securities purchases, the bank maintains its balance sheet flexibility to deploy liquidity directly into higher-yielding commercial and construction credit facilities.
Quick answers to the most common questions about buying PKBK stock.
Parke Bancorp, Inc. (PKBK) generated $39.6M in net cash from operating activities in 2025. This reflects the cash generated directly from core business operations.
Parke Bancorp, Inc. (PKBK) generated $38.9M in free cash flow in 2025. Free cash flow is the cash left over after capital expenditures, which can be used to pay dividends, repurchase shares, or pay down debt.
Parke Bancorp, Inc. (PKBK) spent $0.6M on capital expenditures in 2025. CapEx represents the cash invested in physical assets like property, plant, and equipment to maintain or grow the business.
In 2025, Parke Bancorp, Inc. (PKBK) returned $8.5M to shareholders via cash dividends and spent $6.5M on share repurchases. This shows the company's commitment to returning capital to its equity investors.