Estados financieros detallados de Parke Bancorp, Inc. (PKBK): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
Parke Bancorp, Inc. registró ingresos de $146.1M en el último ejercicio fiscal, con un CAGR de 5 años del 10.5%. El beneficio neto alcanzó $37.8M, con un CAGR a 5 años del 5.9%.
Márgenes de los últimos 12 meses: margen bruto 46.9%, margen operativo 24.4%, margen neto 39.1%. El flujo de caja libre creció a un CAGR del 1.4% en 5 años.
Al precio actual de $34.47, PKBK cotiza a un P/E de 8.99 y un ROE del 13.87%. La capitalización bursátil es de $408M.
Cuenta de Resultados (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Ingresos | $52.5M | $50.3M | $65.3M | $83.4M | $88.7M | $90.9M | $95.9M | $119.4M | $129.4M | $146.1M |
| Coste de Ventas | $8.2M | $10.8M | $15.6M | $25.4M | $29.5M | $13.5M | $16.0M | $46.4M | $67.1M | $68.2M |
| Beneficio Bruto | $44.3M | $39.5M | $49.7M | $58.0M | $59.2M | $77.4M | $79.9M | $73.0M | $62.3M | $77.9M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $7.9M | $7.7M | $8.7M | $9.2M | $11.4M | $10.8M | $11.9M | $13.6M | $14.1M | $15.6M |
| Gastos Operativos | $16.6M | $15.3M | $16.3M | $18.0M | $20.3M | $22.5M | $23.8M | $35.3M | $26.0M | $28.0M |
| Beneficio Operativo | $27.6M | $24.2M | $33.4M | $40.1M | $38.9M | $54.9M | $56.1M | $37.7M | $36.3M | $50.0M |
| EBITDA | $27.9M | $24.5M | $33.8M | $40.5M | $39.4M | $55.6M | $56.7M | $38.2M | $36.9M | $50.3M |
| Gastos por Intereses | $6.8M | $8.3M | $13.8M | $22.7M | $21.9M | $13.0M | $14.2M | $48.5M | $66.4M | $66.2M |
| Beneficio Antes de Impuestos | $27.6M | $24.2M | $33.4M | $40.1M | $38.9M | $54.9M | $56.1M | $37.7M | $36.3M | $49.4M |
| Impuestos | $8.7M | $12.4M | $8.4M | $9.8M | $10.0M | $13.9M | $14.3M | $9.2M | $8.8M | $11.6M |
| Beneficio Neto | $18.5M | $11.9M | $24.8M | $29.8M | $28.4M | $40.8M | $41.8M | $28.5M | $27.5M | $37.8M |
| BPA | $1.90 | $1.16 | $2.30 | $2.52 | $2.40 | $3.43 | $3.51 | $2.38 | $2.30 | $3.20 |
| BPA Diluido | $1.55 | $1.02 | $2.07 | $2.48 | $2.37 | $3.36 | $3.44 | $2.35 | $2.27 | $3.16 |
| Acciones en Circulación (Diluidas) | $11.9M | $11.6M | $12.0M | $12.0M | $12.0M | $12.1M | $12.2M | $12.1M | $12.1M | $11.9M |
Cuenta de Resultados (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Ingresos | $37.4M | $38.2M | $37.7M | $3.9M |
| Beneficio Bruto | $20.6M | $22.7M | $22.7M | -$11.1M |
| Beneficio Operativo | $13.5M | $15.1M | $15.6M | -$15.6M |
| EBITDA | $13.6M | $15.1M | $15.7M | -$15.7M |
| Beneficio Neto | $10.6M | $11.1M | $11.8M | $12.2M |
| BPA | $0.90 | $0.94 | $1.01 | $1.04 |
| BPA Diluido | $0.89 | $0.93 | $0.99 | $1.03 |
Balance (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caja y Equivalentes | $4.4M | $14.5M | $154.5M | $191.6M | $458.6M | $596.6M | $182.2M | $180.4M | $221.5M | $156.9M |
| Inversiones a Corto | $44.9M | $38.0M | $31.3M | $26.6M | $19.9M | $13.4M | $9.4M | $7.1M | 0 | $9000 |
| Cuentas por Cobrar | $3.1M | $4.0M | $5.2M | $6.1M | $8.8M | $7.7M | $8.8M | $8.6M | $9.7M | $11.3M |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $52.4M | $56.5M | $190.9M | $224.3M | $487.3M | $617.6M | $200.3M | $196.0M | $231.2M | $168.1M |
| Inmovilizado Material | $5.2M | $7.0M | $6.8M | $6.9M | $6.7M | $6.3M | $6.0M | $5.6M | $5.3M | $5.5M |
| Fondo de Comercio | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Totales | $1.02B | $1.14B | $1.47B | $1.68B | $2.08B | $2.14B | $1.98B | $2.02B | $2.14B | $2.25B |
| Cuentas por Pagar | $655000 | $719000 | $1.4M | $2.3M | $2.3M | $1.6M | $2.7M | $4.1M | $8.0M | $4.6M |
| Deuda a Corto | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $130.0M |
| Pasivos Corrientes | $789.3M | $867.1M | $1.19B | $1.34B | $1.59B | $1.77B | $1.58B | $1.56B | $1.64B | $1.89B |
| Deuda a Largo | $93.1M | $128.1M | $118.1M | $148.1M | $267.2M | $120.9M | $126.1M | $168.1M | $188.3M | $13.4M |
| Pasivos Totales | $889.1M | $1.00B | $1.31B | $1.50B | $1.88B | $1.90B | $1.72B | $1.74B | $1.84B | $1.92B |
| Reservas | $47.5M | $39.2M | $42.1M | $44.1M | $66.8M | $98.0M | $131.7M | $149.4M | $168.3M | $197.7M |
| Patrimonio Neto | $127.1M | $134.8M | $153.6M | $177.6M | $200.9M | $232.4M | $266.0M | $284.3M | $300.1M | $324.5M |
| Deuda Total | $93.1M | $128.1M | $118.1M | $148.1M | $267.2M | $120.9M | $126.1M | $168.1M | $188.3M | $143.4M |
| Deuda Neta | $43.8M | $75.6M | -$67.7M | -$70.2M | -$211.3M | -$489.0M | -$65.4M | -$19.4M | -$33.2M | -$13.5M |
| Capital Circulante | -$737.0M | -$810.6M | -$994.3M | -$1.12B | -$1.11B | -$1.15B | -$1.38B | -$1.36B | -$1.41B | -$1.73B |
Balance (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caja y Equivalentes | $159.3M | $156.9M | $110.9M | $204.7M |
| Activos Totales | $2.17B | $2.25B | $2.21B | $2.30B |
| Pasivos Totales | $1.86B | $1.92B | $1.88B | $1.96B |
| Patrimonio Neto | $314.8M | $324.5M | $335.6M | $346.1M |
| Deuda Total | $83.4M | $143.4M | $153.4M | $177.4M |
Flujo de Caja (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Beneficio Neto | $18.9M | $11.8M | $25.0M | $30.3M | $28.9M | $41.0M | $41.8M | $28.5M | $27.5M | $37.8M |
| Amortizaciones | $269000 | $320000 | $380000 | $431000 | $586000 | $687000 | $646000 | $464000 | $571000 | $508000 |
| Compensación en Acciones | 0 | $72000 | $109000 | $176000 | $265000 | $230000 | $349000 | $397000 | $336000 | $293000 |
| Cambio en Capital Circulante | -$1.7M | $829000 | $272000 | $1.1M | $1.6M | -$4.2M | $1.1M | -$4.0M | $6.6M | $781000 |
| Flujo de Caja Operativo | $12.7M | $19.0M | $28.9M | $34.4M | $36.5M | $38.6M | $43.5M | $23.0M | $35.1M | $39.5M |
| Inversiones (CapEx) | -$875000 | -$2.1M | -$138000 | -$594000 | -$251000 | -$64000 | -$150000 | 0 | -$119000 | -$595000 |
| Adquisiciones | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Acciones | -$4000 | 0 | 0 | 0 | 0 | -$201000 | 0 | 0 | -$4.3M | -$6.5M |
| Dividendos Pagados | -$3.2M | -$4.4M | -$5.4M | -$6.5M | -$7.4M | -$7.6M | -$7.9M | -$8.6M | -$8.6M | -$8.5M |
| Flujo de Caja Libre | $11.8M | $16.8M | $28.8M | $33.8M | $36.3M | $38.6M | $43.3M | $23.0M | $35.0M | $38.9M |
Flujo de Caja (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Flujo de Caja Operativo | $11.4M | $14.4M | $13.0M | $6.1M |
| Inversiones (CapEx) | -$107000 | -$46000 | -$69000 | -$188000 |
| Flujo de Caja Libre | $11.2M | $14.4M | $12.9M | $5.9M |
| Dividendos Pagados | -$2.1M | -$2.0M | -$2.1M | -$2.1M |
| Compensación en Acciones | $46000 | -$179000 | $78000 | $95000 |
Crecimiento y Márgenes (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crecimiento Ingresos (anual) | | -4.2% | +29.8% | +27.7% | +6.4% | +2.4% | +5.5% | +24.5% | +8.4% | +12.9% |
| Crecimiento Beneficio Neto (anual) | | -35.9% | +109.1% | +20.2% | -4.7% | +43.4% | +2.6% | -31.9% | -3.3% | +37.3% |
| Crecimiento BPA (anual) | | -38.9% | +98.3% | +9.6% | -4.8% | +42.9% | +2.3% | -32.2% | -3.4% | +39.1% |
| Cambio en Acciones (anual) | | -3.1% | +3.8% | +0.1% | -0.2% | +1.1% | +0.4% | -0.3% | +0.0% | -1.8% |
| Crecimiento FCF (anual) | | +42.2% | +70.7% | +17.6% | +7.2% | +6.4% | +12.2% | -46.8% | +52.2% | +11.1% |
| Margen Bruto | 84.3% | 78.6% | 76.1% | 69.6% | 66.7% | 85.2% | 83.4% | 61.1% | 48.1% | 53.3% |
| Margen Operativo | 52.7% | 48.2% | 51.2% | 48.1% | 43.8% | 60.4% | 58.5% | 31.6% | 28.0% | 34.2% |
| Margen EBITDA | 53.2% | 48.8% | 51.8% | 48.6% | 44.4% | 61.2% | 59.2% | 32.0% | 28.5% | 34.5% |
| Margen Neto | 35.3% | 23.6% | 38.0% | 35.8% | 32.0% | 44.9% | 43.6% | 23.8% | 21.3% | 25.9% |
| Margen FCF | 22.6% | 33.5% | 44.1% | 40.6% | 40.9% | 42.5% | 45.2% | 19.3% | 27.1% | 26.6% |
| Tasa Impositiva Efectiva | 31.5% | 51.1% | 25.1% | 24.4% | 25.7% | 25.4% | 25.4% | 24.5% | 24.2% | 23.5% |
Datos por Acción (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Acción | $0.99 | $1.46 | $2.40 | $2.82 | $3.02 | $3.18 | $3.56 | $1.90 | $2.89 | $3.27 |
| Dividendo por Acción | $0.27 | $0.38 | $0.45 | $0.54 | $0.62 | $0.63 | $0.65 | $0.71 | $0.71 | $0.71 |
| Acciones en Circulación (Básicas) | $9.1M | $9.3M | $10.6M | $11.8M | $11.8M | $11.9M | $11.9M | $11.9M | $12.0M | $11.7M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | 13.87% |
| Rentabilidad sobre capital invertido | 4.12% |
| Rentabilidad sobre activos | 1.99% |
| Margen bruto | 46.92% |
| Margen operativo | 24.43% |
| Margen neto | 39.08% |
Salud financiera
| Deuda / Patrimonio | 0.51 |
| Ratio corriente | 0.12 |
| Piotroski F-Score | 8 |
| Altman Z-Score | -0.57 |
Ratios Clave (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/E | 7.97 | 14.64 | 7.40 | 9.16 | 6.50 | 6.20 | 5.91 | 8.51 | 8.92 | 7.82 |
| P/VC | 1.09 | 1.17 | 1.17 | 1.54 | 0.92 | 1.09 | 0.93 | 0.85 | 0.82 | 0.90 |
| P/V | 2.63 | 3.13 | 2.76 | 3.28 | 2.08 | 2.78 | 2.58 | 2.03 | 1.89 | 2.01 |
| Margen Bruto | 84.3% | 78.6% | 76.1% | 69.6% | 66.7% | 85.2% | 83.4% | 61.1% | 48.1% | 53.3% |
| Margen Operativo | 52.7% | 48.2% | 51.2% | 48.1% | 43.8% | 60.4% | 58.5% | 31.6% | 28.0% | 34.2% |
| Margen Neto | 35.3% | 23.6% | 38.0% | 35.8% | 32.0% | 44.9% | 43.6% | 23.8% | 21.3% | 25.9% |