Parke Bancorp, Inc. (PKBK) vs USCB Financial Holdings, Inc. (USCB)

Parke Bancorp, Inc. and USCB Financial Holdings, Inc. are both Banks Regional companies. Parke Bancorp, Inc. and USCB Financial Holdings, Inc. are of similar size ($418.8M and $397.3M). Parke Bancorp, Inc. trades at the lower P/E: 8.7× against 14.7×. Parke Bancorp, Inc. grew revenue faster over the last twelve months: 10.7% against 4.72%. Parke Bancorp, Inc. has the higher net margin (30.0% vs 18.1%) and the higher return on invested capital (11.8% vs 6.24%). Both pay a dividend; Parke Bancorp, Inc. yields more (4.19% vs 0.87%). Across the 20 metrics below, Parke Bancorp, Inc. leads on 14 and USCB Financial Holdings, Inc. on 6.

Valuation

Metric PKBK USCB Banks Regional median
P/E 8.68 14.69 12.15
P/S 2.59 2.61 2.37
P/B 1.15 1.78 1.21
Price to free cash flow 8.91 8.46 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.41 3.63 2.27
Earnings yield 11.52% 6.81% 8.11%
Free cash flow yield 11.23% 11.82% 8.98%

Profitability

Metric PKBK USCB Banks Regional median
Gross margin 59.35% 61.02% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 29.98% 18.05% 18.66%
Free cash flow margin 29.12% 30.84% 21.18%
Return on equity 13.92% 12.36% 10.64%
Return on assets 2.05% 1.00% 1.13%
Return on invested capital 11.75% 6.24% 8.33%

Growth

Metric PKBK USCB Banks Regional median
Revenue growth (TTM) 10.66% 4.72% 6.61%
EPS growth (last fiscal year) 39.21% 7.26% —
Revenue growth, 5-year CAGR 10.49% 20.96% 12.30%
Net income growth, 5-year CAGR 5.86% 27.68% 9.71%

Health

Metric PKBK USCB Banks Regional median
Debt to equity 0.51 1.20 0.22
Current ratio 1.25 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric PKBK USCB Banks Regional median
Dividend yield 4.19% 0.87% 3.75%
Payout ratio 0.22 0.00 0.27

Size

Metric PKBK USCB Banks Regional median
Market cap 397.30m 418.82m 921.07m

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