Parke Bancorp, Inc. Financial Ratios — PKBK Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	36.6	31.55	27.98	31.69	25.38	38.71	24.38	58.61	67.36	50.1	48.71	36.01	20.05	17.17	20.49
Return on Assets (%)	0.94	0.94	0.97	1.3	1.25	1.95	1.1	1.91	1.9	1.51	1.93	2.03	1.42	1.32	1.72
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	0.99	1.03	0.98	0.87	0.65	0.59	0.76	0.74	0.71	0.88	0.88	0.79	0.65	0.91	0.64
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	37.3	35.49	37.38	44.85	48.57	60.44	57.66	64.87	65.99	58.19	70.48	68.63	53.15	57.61	61.86
Profit Margin (%)	19.76	21.08	22	26.06	27.66	40.48	28.25	48.19	49.14	42.54	52.31	51.19	40.14	43.66	47.3
Net Income to Common Margin (%)	17.04	18.16	18.92	23.08	24.55	37.85	25.59	47.33	49.1	42.5	52.28	51.15	40.1	43.63	47.27
Effective Tax Rate (%)	40.24	34.46	28.18	31.69	36.43	31.46	51.14	25.07	24.42	25.74	25.38	25.42	24.48	24.2	23.54
Dvd Payout Ratio (%)	-2.26	-2.51	-2.44	2.9	12.19	11.19	30.56	20.02	21.06	25.31	18.48	18.8	30.25	31.22	22.33
Sustainable Growth Rate (%)	37.42	32.34	28.66	30.77	22.29	34.38	16.93	46.88	53.18	37.42	39.71	29.24	13.99	11.81	15.92

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	64	34	69	63	98	93	128	118	148	267	121	126	168	188	143
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	125	130
LT Debt	64	34	69	63	98	93	128	118	148	267	121	126	168	63	13
Total Debt/EBITDA	174.89	94.56	203.81	180.33	390.65	345.92	400.17	310.67	343.51	456	175.96	195.16	362.31	329.77	282.29
Net Debt/EBITDA	164.69	87.29	191.11	168.74	378.18	329.57	355	-95.84	-101.05	-326.59	-692.39	-86.81	-26.43	-58.19	-26.5
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	2.32	2.81	3.14	4.09	4.66	4.74	3.52	2.94	2.7	3.27	4.64	6.7	7.45	7.92	8.84
Long-Term Debt/Equity (%)	82.84	40.52	73.1	60.9	87.39	73.22	95.01	76.17	82.52	131.9	52.02	47.39	59.13	21.09	4.13
Long-Term Debt/Capital (%)	65.15	47.38	60.32	53.87	61.49	57.72	69.58	72.03	75.64	79.2	54.81	48.59	52.68	17.67	3.91
Long-Term Debt/Total Assets (%)	8.09	4.39	8.64	7.64	11.08	9.16	11.26	8.05	8.81	12.86	5.66	6.35	8.31	2.95	0.6
Total Debt/Equity (%)	82.84	40.52	73.1	60.9	87.39	73.22	95.01	76.17	82.52	131.9	52.02	47.39	59.13	62.75	44.19
Total Debt/Capital (%)	65.15	47.38	60.32	53.87	61.49	57.72	69.58	72.03	75.64	79.2	54.81	48.59	52.68	52.57	41.85
Total Debt/Total Assets (%)	8.09	4.39	8.64	7.64	11.08	9.16	11.26	8.05	8.81	12.86	5.66	6.35	8.31	8.79	6.38
Net Debt to Equity	78.01	37.41	68.54	56.98	84.6	69.76	84.29	-23.5	-24.27	-94.46	-204.71	-21.08	-4.31	-11.07	-4.15
Net Debt/Capital (%)	63.78	45.39	58.77	52.21	60.72	56.54	66.99	-386.64	-1,056.88	157.88	126.51	-72.55	-8.84	-24.31	-7.25
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	1	1	- -	1	1
EBITDA-CapEx	- -	- -	- -	- -	- -	-1	-2	- -	- -	- -	1	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	2.32	2.81	3.14	4.09	4.66	4.74	3.52	2.94	2.7	3.27	4.64	6.7	7.45	7.92	8.84
Long-Term Debt/Equity (%)	82.84	40.52	73.1	60.9	87.39	73.22	95.01	76.17	82.52	131.9	52.02	47.39	59.13	21.09	4.13
Long-Term Debt/Capital (%)	65.15	47.38	60.32	53.87	61.49	57.72	69.58	72.03	75.64	79.2	54.81	48.59	52.68	17.67	3.91
Long-Term Debt/Total Assets (%)	8.09	4.39	8.64	7.64	11.08	9.16	11.26	8.05	8.81	12.86	5.66	6.35	8.31	2.95	0.6
Total Debt/Equity (%)	82.84	40.52	73.1	60.9	87.39	73.22	95.01	76.17	82.52	131.9	52.02	47.39	59.13	62.75	44.19
Total Debt/Capital (%)	65.15	47.38	60.32	53.87	61.49	57.72	69.58	72.03	75.64	79.2	54.81	48.59	52.68	52.57	41.85
Total Debt/Total Assets (%)	8.09	4.39	8.64	7.64	11.08	9.16	11.26	8.05	8.81	12.86	5.66	6.35	8.31	8.79	6.38
CFO/Total Liabilities	2.45	2.52	0.77	3.69	0.65	1.43	1.89	2.2	2.29	1.95	2.03	2.53	1.32	1.91	2.05
CFO/CapEx	83.66	76.82	47.71	224.83	14.36	14.54	8.84	209.43	57.97	145.49	603.77	289.67	- -	295.45	66.47
Altman's Z-Score	0.1	0.11	0.13	0.16	0.17	0.2	0.18	0.16	0.18	0.14	0.18	0.22	0.22	0.22	0.25

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	11.66	12.03	12.64	14.5	13.25	14.92	11.77	11.18	10.79	9.01	9.47	9.93	8.19	6.92	7.64
Days Sales Outstanding	31.3	30.33	28.87	25.18	27.55	24.46	31.02	32.65	33.84	40.53	38.54	36.74	44.59	52.76	47.8
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	27	27	53	69	76	138	157	180	273	185	253	247	242	245	295
- Cash & Cash Equivalents	4	3	4	4	3	4	14	154	192	459	597	182	180	222	157
+ Preferred Equity and Hybrid Capital	16	16	20	20	20	20	16	1	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	1	2	2	- -	- -	- -	- -	- -
+ Total Debt	64	34	69	63	98	93	128	118	148	267	121	126	168	188	143
Enterprise Value	80	55	102	120	149	202	249	115	205	-24	-236	182	223	207	282
Total Capital	98	71	114	117	159	161	184	164	196	337	221	259	319	358	343
Total Debt/Capital (%)	65.15	47.38	60.32	53.87	61.49	57.72	69.58	72.03	75.64	79.2	54.81	48.59	52.68	52.57	41.85
Total Debt / EV	0.8	0.62	0.67	0.52	0.66	0.46	0.51	1.03	0.72	-11.02	-0.51	0.69	0.75	0.91	0.51
EV/Sales	2.18	1.58	2.97	2.98	3.84	4.41	5.92	2.24	3.38	- -	- -	2.23	3.14	3.28	3.53
EV/EBITDA	219.5	152.66	303.07	344.45	591.67	749.9	777.86	303.01	476.51	- -	- -	282.02	480.42	362.06	555.49
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	4.59	3.16	18.95	4.52	29.38	15.86	13.1	3.98	5.96	- -	- -	4.19	9.68	5.88	7.13
EV/Free Cash Flow to Firm	4.54	3.12	18.56	4.5	27.47	14.84	11.77	3.97	5.86	- -	- -	4.18	9.68	5.86	7.03
Diluted Market Cap	27	27	53	92	99	181	196	204	277	187	258	253	246	249	300
Diluted Enterprise Value	103	74	138	170	215	289	326	170	236	-2	-217	197	234	216	287
EV per Share	9.28	6.31	11.7	13.67	16.65	22.14	26.86	10.87	17.35	- -	- -	15.29	18.66	17.29	23.93
TTM Sales	37	35	34	40	39	46	42	52	61	67	78	82	71	63	80
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	1	1	- -	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	17	17	5	27	5	13	19	29	34	37	39	43	23	35	40
TTM Free Cash Flow to Firm	18	18	6	27	5	14	21	29	35	37	39	44	23	35	40

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	1.53	1.53	9.66	3.44	18.4	13.29	9.29	7.03	7.91	5.09	6.66	5.79	10.68	7.06	7.47
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	80	55	102	120	149	202	249	115	205	-24	-236	182	223	207	282
Low Price	2.88	2.85	3.1	6.08	7.65	7.42	14.24	15.19	16.19	9.05	15.21	20.06	14.86	15.24	16.94
EV/Sales	2.18	1.58	2.97	2.98	3.84	4.41	5.92	2.24	3.38	- -	- -	2.23	3.14	3.28	3.53
EV/EBITDA	219.5	152.66	303.07	344.45	591.67	749.9	777.86	303.01	476.51	- -	- -	282.02	480.42	362.06	555.49
Price/Earnings	4.25	4.25	8.16	7.46	8	7.97	14.63	7.39	9.16	6.51	6.21	5.91	8.51	8.92	7.82
Price/Earnings Average	6.16	4.8	7.2	7.33	8.01	5.46	14.48	8.19	8.03	6.09	5.95	6.44	7.55	8.16	6.48
Price/Earnings High	9.33	6.23	9.73	9.26	9.97	7.97	16.38	9.8	9.19	9.63	6.98	7.37	9.01	10.56	8.05
Price/Earnings Low	3.97	3.92	4.16	5.75	7.18	3.91	12.27	6.6	6.43	3.78	4.44	5.72	6.24	6.63	5.29
Price/Book Value	1.46	1.24	2.13	2.06	1.84	2.86	3.93	4.17	6.02	2.72	2.55	1.86	1.61	1.45	1.48
Price/Book Value Average	2.11	1.4	1.88	2.02	1.84	1.96	3.89	4.63	5.28	2.54	2.44	2.02	1.42	1.32	1.23
Price/Book Value High	3.19	1.81	2.54	2.56	2.3	2.86	4.4	5.53	6.04	4.02	2.87	2.32	1.7	1.71	1.53
Price/Book Value Low	1.36	1.14	1.09	1.59	1.65	1.4	3.3	3.73	4.23	1.58	1.82	1.8	1.18	1.07	1
Price/Tangible Book Value	0.43	0.4	0.72	0.83	0.82	1.29	1.32	1.17	1.53	0.91	1.09	0.93	0.85	0.82	0.91
Price/Tangible Book Value Average	0.63	0.45	0.63	0.82	0.82	0.88	1.31	1.3	1.34	0.86	1.05	1.01	0.76	0.75	0.75
Price/Tangible Book Value High	0.95	0.58	0.86	1.03	1.03	1.29	1.48	1.55	1.53	1.35	1.23	1.16	0.9	0.97	0.94
Price/Tangible Book Value Low	0.41	0.37	0.37	0.64	0.74	0.63	1.11	1.05	1.07	0.53	0.78	0.9	0.63	0.61	0.62
Price/Sales	0.72	0.77	1.55	1.72	1.96	3.02	3.74	3.5	4.5	2.77	3.25	3.03	3.41	3.89	3.7
Price/Sales Average	1.05	0.87	1.36	1.69	1.97	2.07	3.7	3.88	3.94	2.59	3.11	3.29	3.03	3.56	3.06
Price/Sales High	1.59	1.13	1.84	2.14	2.45	3.02	4.19	4.64	4.51	4.09	3.65	3.77	3.61	4.61	3.81
Price/Sales Low	0.68	0.71	0.79	1.33	1.76	1.48	3.14	3.12	3.16	1.6	2.32	2.93	2.5	2.89	2.5
Price/Cash Flow	1.52	1.55	9.86	2.61	15.04	10.84	8.28	6.23	7.93	5.06	6.55	5.69	10.51	6.97	7.47
Price/Cash Flow Average	2.21	1.75	8.7	2.56	15.05	7.42	8.2	6.91	6.95	4.74	6.28	6.19	9.33	6.38	6.18
Price/Cash Flow High	3.35	2.27	11.76	3.24	18.74	10.84	9.27	8.26	7.96	7.49	7.36	7.09	11.13	8.26	7.68
Price/Cash Flow Low	1.43	1.43	5.02	2.01	13.5	5.31	6.95	5.57	5.57	2.94	4.68	5.5	7.71	5.18	5.05
Price/Free Cash Flow Average	2.22	1.73	8.52	3.37	18.41	9.09	9.19	7.79	6.93	4.76	6.39	6.31	9.48	6.46	6.18
Price/Free Cash Flow High	3.36	2.24	11.52	4.26	22.93	13.29	10.4	9.32	7.93	7.53	7.49	7.22	11.31	8.36	7.68
Price/Free Cash Flow Low	1.43	1.41	4.92	2.65	16.52	6.51	7.79	6.28	5.55	2.95	4.76	5.6	7.84	5.24	5.05
EV/Sales Average	3.12	2.23	3.82	3.65	4.94	4.44	6.79	3.22	3.26	- -	- -	2.61	2.86	3.04	2.9
EV/Sales High	3.66	2.49	4.3	4.1	5.42	5.39	7.28	3.98	3.83	1.26	- -	3.09	3.45	4.09	3.64
EV/Sales Low	2.75	2.07	3.25	3.29	4.74	3.85	6.22	2.47	2.48	- -	- -	2.25	2.34	2.37	2.34
EV/EBITDA Average	313.77	216.31	390.32	421.82	761.49	754.85	891.42	436.67	459.73	-27.58	-338.71	330.48	437.07	335.4	455.65
EV/EBITDA High	368.05	241.53	439.31	473.4	835.88	916.64	955.36	539.75	539.9	143.81	-277.81	390.8	526.61	450.91	572.46
EV/EBITDA Low	276.29	200.87	331.52	379.88	730.35	655.12	817.24	334.59	349.01	-139.91	-428.53	283.97	356.95	261.44	367.45
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	3.08	3.09	6.09	7.89	8.52	15.14	16.98	17.01	23.08	15.6	21.28	20.74	20.25	20.51	25.04
High Price	6.76	4.53	7.26	9.79	10.62	15.14	19.01	22.55	23.14	23.08	23.92	25.85	21.45	24.29	25.77
Enterprise Value Average	115	77	132	147	191	203	285	166	198	-16	-233	213	203	192	231
Enterprise Value High	135	86	148	165	210	247	306	205	233	84	-191	252	244	257	291
Enterprise Value Low	101	72	112	132	183	176	262	127	150	-82	-294	183	166	149	187

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	9	9	9	9	9	9	10	12	12	12	12	12	12	12	12
Diluted Weighted Avg Shares	9	9	9	12	12	12	12	12	12	12	12	12	12	12	12
Basic Weighted Avg Shares	9	9	9	9	9	9	9	11	12	12	12	12	12	12	12
Revenue per Share	4.25	4	3.94	4.58	4.34	5.02	4.53	4.86	5.13	5.64	6.55	6.86	5.94	5.27	6.77
EBITDA per Share	0.04	0.04	0.04	0.04	0.03	0.03	0.03	0.04	0.04	0.05	0.06	0.05	0.04	0.05	0.04
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.72	0.73	0.75	1.06	1.06	1.9	1.16	2.3	2.52	2.4	3.43	3.51	2.38	2.3	3.2
Basic EPS from Cont Ops	0.95	0.93	1.06	1.4	1.34	2.08	1.28	2.36	2.56	2.44	3.45	3.51	2.38	2.3	3.2
Diluted EPS, GAAP	0.71	0.73	0.75	0.8	0.81	1.45	0.93	2.03	2.48	2.37	3.36	3.43	2.34	2.26	3.15
Diluted EPS from Cont Ops	0.93	0.93	1.06	1.06	1.02	1.59	1.02	2.09	2.52	2.41	3.38	3.44	2.35	2.27	3.16
Dividend per Share	0.09	0.09	0.09	0.18	0.3	0.35	0.47	0.51	0.55	0.63	0.64	0.66	0.72	0.72	0.72
Cash Flow per Share	2.02	1.99	0.62	3.02	0.57	1.4	2.05	2.73	2.91	3.08	3.25	3.65	1.93	2.94	3.35
Free Cash Flow per Basic Share	2	1.97	0.6	3.01	0.53	1.3	1.82	2.72	2.86	3.06	3.24	3.63	1.93	2.93	3.3
Cash & Equivalents per Share	3.03	2.53	4.58	3.68	5.12	5.4	5.66	17.54	18.43	40.38	51.3	16.07	15.69	19	13.3
Book Value per Share	2.12	2.5	2.85	3.83	4.62	5.29	4.32	4.08	3.83	5.74	8.35	11.15	12.61	14.19	16.86
Tangible Book Value per Share	7.09	7.79	8.47	9.47	10.34	11.75	12.82	14.52	15.11	17.06	19.51	22.28	23.77	25.07	27.49

Parke Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)