Demonstrações financeiras detalhadas de Parke Bancorp, Inc. (PKBK): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Parke Bancorp, Inc. registou receitas de $146.1M no último exercício, com um CAGR de 5 anos de 10.5%. O lucro líquido atingiu $37.8M, com CAGR de 5 anos de 5.9%.
Margens dos últimos 12 meses: margem bruta 46.9%, margem operacional 24.4%, margem líquida 39.1%. O fluxo de caixa livre cresceu a CAGR de 1.4% em 5 anos.
Ao preço atual de $34.47, PKBK negocia a um P/L de 8.99 e um ROE de 13.87%. A capitalização de mercado é de $408M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $52.5M | $50.3M | $65.3M | $83.4M | $88.7M | $90.9M | $95.9M | $119.4M | $129.4M | $146.1M |
| Custo da Receita | $8.2M | $10.8M | $15.6M | $25.4M | $29.5M | $13.5M | $16.0M | $46.4M | $67.1M | $68.2M |
| Lucro Bruto | $44.3M | $39.5M | $49.7M | $58.0M | $59.2M | $77.4M | $79.9M | $73.0M | $62.3M | $77.9M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $7.9M | $7.7M | $8.7M | $9.2M | $11.4M | $10.8M | $11.9M | $13.6M | $14.1M | $15.6M |
| Despesas Operacionais | $16.6M | $15.3M | $16.3M | $18.0M | $20.3M | $22.5M | $23.8M | $35.3M | $26.0M | $28.0M |
| Lucro Operacional | $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 |
| Despesas com Juros | $6.8M | $8.3M | $13.8M | $22.7M | $21.9M | $13.0M | $14.2M | $48.5M | $66.4M | $66.2M |
| Lucro Antes de Impostos | $27.6M | $24.2M | $33.4M | $40.1M | $38.9M | $54.9M | $56.1M | $37.7M | $36.3M | $49.4M |
| Imposto | $8.7M | $12.4M | $8.4M | $9.8M | $10.0M | $13.9M | $14.3M | $9.2M | $8.8M | $11.6M |
| Lucro Líquido | $18.5M | $11.9M | $24.8M | $29.8M | $28.4M | $40.8M | $41.8M | $28.5M | $27.5M | $37.8M |
| LPA | $1.90 | $1.16 | $2.30 | $2.52 | $2.40 | $3.43 | $3.51 | $2.38 | $2.30 | $3.20 |
| LPA Diluído | $1.55 | $1.02 | $2.07 | $2.48 | $2.37 | $3.36 | $3.44 | $2.35 | $2.27 | $3.16 |
| Ações em Circulação (Diluídas) | $11.9M | $11.6M | $12.0M | $12.0M | $12.0M | $12.1M | $12.2M | $12.1M | $12.1M | $11.9M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $37.4M | $38.2M | $37.7M | $3.9M |
| Lucro Bruto | $20.6M | $22.7M | $22.7M | -$11.1M |
| Lucro Operacional | $13.5M | $15.1M | $15.6M | -$15.6M |
| EBITDA | $13.6M | $15.1M | $15.7M | -$15.7M |
| Lucro Líquido | $10.6M | $11.1M | $11.8M | $12.2M |
| LPA | $0.90 | $0.94 | $1.01 | $1.04 |
| LPA Diluído | $0.89 | $0.93 | $0.99 | $1.03 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $4.4M | $14.5M | $154.5M | $191.6M | $458.6M | $596.6M | $182.2M | $180.4M | $221.5M | $156.9M |
| Investimentos de Curto Prazo | $44.9M | $38.0M | $31.3M | $26.6M | $19.9M | $13.4M | $9.4M | $7.1M | 0 | $9000 |
| Contas a Receber | $3.1M | $4.0M | $5.2M | $6.1M | $8.8M | $7.7M | $8.8M | $8.6M | $9.7M | $11.3M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $52.4M | $56.5M | $190.9M | $224.3M | $487.3M | $617.6M | $200.3M | $196.0M | $231.2M | $168.1M |
| Imobilizado | $5.2M | $7.0M | $6.8M | $6.9M | $6.7M | $6.3M | $6.0M | $5.6M | $5.3M | $5.5M |
| Ágio | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Intangíveis | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Totais | $1.02B | $1.14B | $1.47B | $1.68B | $2.08B | $2.14B | $1.98B | $2.02B | $2.14B | $2.25B |
| Contas a Pagar | $655000 | $719000 | $1.4M | $2.3M | $2.3M | $1.6M | $2.7M | $4.1M | $8.0M | $4.6M |
| Dívida de Curto Prazo | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $130.0M |
| Passivos Circulantes | $789.3M | $867.1M | $1.19B | $1.34B | $1.59B | $1.77B | $1.58B | $1.56B | $1.64B | $1.89B |
| Dívida de Longo Prazo | $93.1M | $128.1M | $118.1M | $148.1M | $267.2M | $120.9M | $126.1M | $168.1M | $188.3M | $13.4M |
| Passivos Totais | $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 |
| Patrimônio Líquido | $127.1M | $134.8M | $153.6M | $177.6M | $200.9M | $232.4M | $266.0M | $284.3M | $300.1M | $324.5M |
| Dívida Total | $93.1M | $128.1M | $118.1M | $148.1M | $267.2M | $120.9M | $126.1M | $168.1M | $188.3M | $143.4M |
| Dívida Líquida | $43.8M | $75.6M | -$67.7M | -$70.2M | -$211.3M | -$489.0M | -$65.4M | -$19.4M | -$33.2M | -$13.5M |
| Capital de Giro | -$737.0M | -$810.6M | -$994.3M | -$1.12B | -$1.11B | -$1.15B | -$1.38B | -$1.36B | -$1.41B | -$1.73B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $159.3M | $156.9M | $110.9M | $204.7M |
| Ativos Totais | $2.17B | $2.25B | $2.21B | $2.30B |
| Passivos Totais | $1.86B | $1.92B | $1.88B | $1.96B |
| Patrimônio Líquido | $314.8M | $324.5M | $335.6M | $346.1M |
| Dívida Total | $83.4M | $143.4M | $153.4M | $177.4M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $18.9M | $11.8M | $25.0M | $30.3M | $28.9M | $41.0M | $41.8M | $28.5M | $27.5M | $37.8M |
| Depreciação e Amortização | $269000 | $320000 | $380000 | $431000 | $586000 | $687000 | $646000 | $464000 | $571000 | $508000 |
| Compensação em Ações | 0 | $72000 | $109000 | $176000 | $265000 | $230000 | $349000 | $397000 | $336000 | $293000 |
| Variação Capital de Giro | -$1.7M | $829000 | $272000 | $1.1M | $1.6M | -$4.2M | $1.1M | -$4.0M | $6.6M | $781000 |
| Fluxo de Caixa Operacional | $12.7M | $19.0M | $28.9M | $34.4M | $36.5M | $38.6M | $43.5M | $23.0M | $35.1M | $39.5M |
| CapEx | -$875000 | -$2.1M | -$138000 | -$594000 | -$251000 | -$64000 | -$150000 | 0 | -$119000 | -$595000 |
| Aquisições | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | -$4000 | 0 | 0 | 0 | 0 | -$201000 | 0 | 0 | -$4.3M | -$6.5M |
| Dividendos Pagos | -$3.2M | -$4.4M | -$5.4M | -$6.5M | -$7.4M | -$7.6M | -$7.9M | -$8.6M | -$8.6M | -$8.5M |
| Fluxo de Caixa Livre | $11.8M | $16.8M | $28.8M | $33.8M | $36.3M | $38.6M | $43.3M | $23.0M | $35.0M | $38.9M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $11.4M | $14.4M | $13.0M | $6.1M |
| CapEx | -$107000 | -$46000 | -$69000 | -$188000 |
| Fluxo de Caixa Livre | $11.2M | $14.4M | $12.9M | $5.9M |
| Dividendos Pagos | -$2.1M | -$2.0M | -$2.1M | -$2.1M |
| Compensação em Ações | $46000 | -$179000 | $78000 | $95000 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | -4.2% | +29.8% | +27.7% | +6.4% | +2.4% | +5.5% | +24.5% | +8.4% | +12.9% |
| Crescimento Lucro Líquido (anual) | | -35.9% | +109.1% | +20.2% | -4.7% | +43.4% | +2.6% | -31.9% | -3.3% | +37.3% |
| Crescimento LPA (anual) | | -38.9% | +98.3% | +9.6% | -4.8% | +42.9% | +2.3% | -32.2% | -3.4% | +39.1% |
| Variação de Ações (anual) | | -3.1% | +3.8% | +0.1% | -0.2% | +1.1% | +0.4% | -0.3% | +0.0% | -1.8% |
| Crescimento FCF (anual) | | +42.2% | +70.7% | +17.6% | +7.2% | +6.4% | +12.2% | -46.8% | +52.2% | +11.1% |
| Margem Bruta | 84.3% | 78.6% | 76.1% | 69.6% | 66.7% | 85.2% | 83.4% | 61.1% | 48.1% | 53.3% |
| Margem Operacional | 52.7% | 48.2% | 51.2% | 48.1% | 43.8% | 60.4% | 58.5% | 31.6% | 28.0% | 34.2% |
| Margem EBITDA | 53.2% | 48.8% | 51.8% | 48.6% | 44.4% | 61.2% | 59.2% | 32.0% | 28.5% | 34.5% |
| Margem Líquida | 35.3% | 23.6% | 38.0% | 35.8% | 32.0% | 44.9% | 43.6% | 23.8% | 21.3% | 25.9% |
| Margem FCF | 22.6% | 33.5% | 44.1% | 40.6% | 40.9% | 42.5% | 45.2% | 19.3% | 27.1% | 26.6% |
| Taxa Efetiva de Imposto | 31.5% | 51.1% | 25.1% | 24.4% | 25.7% | 25.4% | 25.4% | 24.5% | 24.2% | 23.5% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $0.99 | $1.46 | $2.40 | $2.82 | $3.02 | $3.18 | $3.56 | $1.90 | $2.89 | $3.27 |
| Dividendo por Ação | $0.27 | $0.38 | $0.45 | $0.54 | $0.62 | $0.63 | $0.65 | $0.71 | $0.71 | $0.71 |
| Ações em Circulação (Básicas) | $9.1M | $9.3M | $10.6M | $11.8M | $11.8M | $11.9M | $11.9M | $11.9M | $12.0M | $11.7M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 13.87% |
| Retorno sobre capital investido | 4.12% |
| Retorno sobre ativos | 1.99% |
| Margem bruta | 46.92% |
| Margem operacional | 24.43% |
| Margem líquida | 39.08% |
Saúde financeira
| Dívida / Patrimônio | 0.51 |
| Liquidez corrente | 0.12 |
| Piotroski F-Score | 8 |
| Altman Z-Score | -0.57 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 7.97 | 14.64 | 7.40 | 9.16 | 6.50 | 6.20 | 5.91 | 8.51 | 8.92 | 7.82 |
| P/VP | 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 |
| Margem Bruta | 84.3% | 78.6% | 76.1% | 69.6% | 66.7% | 85.2% | 83.4% | 61.1% | 48.1% | 53.3% |
| Margem Operacional | 52.7% | 48.2% | 51.2% | 48.1% | 43.8% | 60.4% | 58.5% | 31.6% | 28.0% | 34.2% |
| Margem Líquida | 35.3% | 23.6% | 38.0% | 35.8% | 32.0% | 44.9% | 43.6% | 23.8% | 21.3% | 25.9% |