Value
9.3/10data confidence 50%| Component | Sub-score |
|---|---|
| P/E | 9.3 |
| P/S | 7.4 |
| PEG | 10.0 |
- ▸PEG: 0.17
- ▸Attractively valued
PKBK · Why this verdict
Why Parke Bancorp (PKBK) is rated HOLD
Updated
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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VerdictHOLD
Overall score7.1/10
ConfidenceMEDIUM
MacroNEUTRAL
TrendMatrix Research · core thesis
Engine thesis — one sentence
Parke Bancorp is a high-margin, fast-growing regional bank with a cheap valuation and steady revenue gains, but its $387M market cap sits below the engine's $400M floor and momentum is failing, so it is not investable.
Falsifiable statement — pillar-level invalidators below. Engine-derived; not personalized advice.
Thesis pillars
| Pillar | Expectation | Trend |
|---|---|---|
Valuation is attractive, with a PEG ratio of 0.18 and a P/E score of 9.3, cheap relative to its growth. Valuation breakdown | PEG stays below 0.5 while earnings growth continues. | — |
| CounterA very low PEG can reflect a one-off earnings jump, and growth of 31% may not repeat. | ||
The bank has strong margins of 52% and strong growth of 31% year over year, ranking best in class for margins. Growth breakdown | Year-over-year growth stays above 15% and margins stay above 45%. | — |
| CounterGrowth of this pace in a bank can come from loan concentration, and credit losses could erase margins in a downturn. | ||
Quarterly revenue has risen every quarter for two years, from $29.1M in September 2023 to $38.5M in June 2026. Revenue quarters | Quarterly revenue exceeds $40M within the next 12 months. | — |
| CounterRevenue from the SEC filing diverges about 38% from the market data feed, so the series needs checking before relying on it. | ||
At a $387M market cap the stock falls below the engine's $400M minimum and is classed as not investable, with upside to the $34.67 resistance target only 5.5%. Bear case | Market cap rises above $400M, which requires a price near $34. | — |
| CounterThe shortfall is only about 3%, so a small price move could flip the stock back into the investable universe. | ||
Momentum is weak at 3.4, below the engine's 4.5 threshold, with falling on-balance volume, though the stock is oversold (RSI 28) in an uptrend above its 200-day average. Momentum breakdown | Momentum recovers above 4.5 as the oversold reading unwinds. | — |
| CounterFalling volume during an oversold reading signals distribution, and the bounce may not hold into the earnings date. | ||
Valuation is attractive, with a PEG ratio of 0.18 and a P/E score of 9.3, cheap relative to its growth.
—Valuation breakdown
- Expectation
- PEG stays below 0.5 while earnings growth continues.
CounterA very low PEG can reflect a one-off earnings jump, and growth of 31% may not repeat.
The bank has strong margins of 52% and strong growth of 31% year over year, ranking best in class for margins.
—Growth breakdown
- Expectation
- Year-over-year growth stays above 15% and margins stay above 45%.
CounterGrowth of this pace in a bank can come from loan concentration, and credit losses could erase margins in a downturn.
Quarterly revenue has risen every quarter for two years, from $29.1M in September 2023 to $38.5M in June 2026.
—Revenue quarters
- Expectation
- Quarterly revenue exceeds $40M within the next 12 months.
CounterRevenue from the SEC filing diverges about 38% from the market data feed, so the series needs checking before relying on it.
At a $387M market cap the stock falls below the engine's $400M minimum and is classed as not investable, with upside to the $34.67 resistance target only 5.5%.
—Bear case
- Expectation
- Market cap rises above $400M, which requires a price near $34.
CounterThe shortfall is only about 3%, so a small price move could flip the stock back into the investable universe.
Momentum is weak at 3.4, below the engine's 4.5 threshold, with falling on-balance volume, though the stock is oversold (RSI 28) in an uptrend above its 200-day average.
—Momentum breakdown
- Expectation
- Momentum recovers above 4.5 as the oversold reading unwinds.
CounterFalling volume during an oversold reading signals distribution, and the bounce may not hold into the earnings date.
Per-dimension breakdown
Quality
5.5/10data confidence 100%| Component | Sub-score |
|---|---|
| ROE | 4.6 |
| ROA | 1.4 |
| Gross margin | 0.0 |
| Op margin | 10.0 |
| Net margin | 10.0 |
| Moat | 5.9 |
| Piotroski F | 6.7 |
- ▸Strong margins: 52%
Growth
10.0/10data confidence 67%| Component | Sub-score |
|---|---|
| Rev growth | 10.0 |
| EPS growth | 10.0 |
- ▸Strong growth: 31% YoY
Momentum
3.5/10data confidence 100%| Component | Sub-score |
|---|---|
| RSI | 8.3 |
| MACD | 1.3 |
| OBV | 1.0 |
| MA position | 4.0 |
| Volume | 3.0 |
- ▸Oversold in uptrend (RSI 25)
- ▸Volume distribution (falling OBV)
- ▸Above 200-day MA
Sentiment
5.0/10data confidence 33%| Component | Sub-score |
|---|---|
| Analyst rating | 5.0 |
Insider
6.8/10data confidence 75%| Component | Sub-score |
|---|---|
| materiality | 5.0 |
| holder change | 8.3 |
| notable moves | 7.0 |
- ▸Insider selling (low materiality) — $26,136 (0.007% of mkt cap)
- ▸Institutions accumulating
Peer rank
7.0/10data confidence 80%| Component | Sub-score |
|---|---|
| value rank | 6.1 |
| quality rank | 8.8 |
| growth rank | 8.0 |
- ▸Attractive P/E vs peers
- ▸Best-in-class margins
Technical
8.0/10data confidence 100%| Component | Sub-score |
|---|---|
| bollinger | 8.3 |
| support resistance | 7.1 |
| 52w position | 8.5 |
Risk (lower is worse)
6.8/10data confidence 100%| Component | Sub-score |
|---|---|
| short interest | 8.8 |
| days to cover | 5.9 |
| volatility | 6.2 |
| implied vol | 3.0 |
| beta | 9.9 |
- ▸High IV: 62%
Catalyst
7.6/10data confidence 100%| Component | Sub-score |
|---|---|
| earnings history | 10.0 |
| earnings timing | 5.0 |
| surprise avg | 10.0 |
| dividend safety | 5.5 |
- ▸Strong earnings: 3B/0M
How the verdict was assembled
Engine trigger
Market cap $385M below $400M minimum. Not in investable universe.
Engine technical detail
verdict_path:
L1:HARD_BLOCK:MARKET_CAPPassed (6)
- INSIDER:OK
- 8K:CLEAN
- NEWS_EVENTS:NONE_RECENT
- EARNINGS_PROXIMITY:15d clear
- SEMI_CYCLE_PEAK:CLEAR
- MATERIALS_CYCLE_PEAK:CLEAR
Failed (1)
- MOMENTUM:3.5<4.5
Warning (1)
- ASYMMETRY:UPSIDE_EXHAUSTED (upside=0.0%)
Reward-to-Risk
0.00
Upside
+0.0%
Downside
5.1%
Sizing output
AVOID
Setup— — No clear chart pattern; technical signals are mixed
EdgeCatalyst-Driven — Earnings in 15d with 3/4 beat streak
SuitabilityAggressive — MCap $0.4B<$5B
Investment implication
The HOLD_IF_HOLDING verdict reflects the MOMENTUM gate's 3.5<4.5 outcome against Growth at 10.0 and asymmetric R:R of 0.00.
The strongest dimensions are Growth at 10.0, Value at 9.3, and Technical at 8.0; the weakest are Momentum at 3.5, Sentiment at 5.0, and Quality at 5.5. The V9 engine flagged 1 failed gate with 1 warning, producing an asymmetric reward-to-risk of 0.00 and an engine sizing output of AVOID.
What would invalidate the thesis
Falsifying conditions — when triggered, the corresponding pillar's thesis is invalidated.
- P1Cheap Valuation Low Peg
Trip ifPEG ratio rises above 1.0 from current 0.18.
- P2High Margin Fast Growth
Trip ifYear-over-year growth falls below 10% from current 31%.
- P3Steady Revenue Expansion
Trip ifQuarterly revenue falls below $36M for 2 consecutive quarters.
- P4Market Cap Below Minimum
Trip ifMarket cap falls below $300M from current $387M.
- P5Momentum Failing Oversold
Trip ifShare price drops to $31.31 or below, hitting the stop loss.