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BY vs PKBK
Which Stock Would AI Choose? Byline Bancorp (BY) vs. Parke Bancorp (PKBK) Stock Comparison
Key Takeaways
- Scale gap: BY (Byline Bancorp) is a Chicago-based commercial bank approaching $10 billion in assets, while PKBK (Parke Bancorp) is a much smaller New Jersey community bank with roughly $2.3 billion in assets.
- Both delivered strong recent earnings: BY posted record quarterly net income, while PKBK grew first-half net income roughly 50% year over year.
- Profitability comparison: PKBK shows a higher return on average assets and a notably lower efficiency ratio, though its earnings base is far smaller than BY's.
- Capital returns: Both raised dividends and authorized buybacks in recent periods, signaling management confidence.
- Risk profiles differ: BY faces the regulatory and cost complexities of crossing the $10 billion asset threshold, while PKBK carries concentration risk tied to commercial real estate and a compact geographic footprint.
- Momentum: Each stock has advanced substantially over the past year, with PKBK's percentage gain running well ahead of BY's.
Introduction
Regional banks occupy a distinct corner of the financial sector, and comparing two of them side by side reveals how widely business models, scale, and market positioning can vary even within the same industry. BY and PKBK both serve commercial and small-business customers, yet they operate at very different sizes and in different geographies. This stock comparison is relevant for investors and traders weighing a mid-sized, growth-oriented commercial lender against a smaller, high-efficiency community bank. Understanding their relative performance, profitability drivers, and risk factors can help clarify which profile better suits a given strategy in the current rate environment.
BY Overview and Recent Performance
BY, or Byline Bancorp, Inc., is the holding company for Byline Bank, a full-service commercial bank headquartered in Chicago and focused on small and mid-sized businesses, commercial real estate, and financial sponsors across the Midwest. The company has built a notable franchise as a leading Small Business Administration (SBA) 7(a) lender in Illinois and completed the integration of its 2025 acquisition of First Security Bancorp.
Recent market activity has reflected steady execution. In its latest quarters, Byline reported record net income, a stable net interest margin (NIM, the spread between interest earned on loans and interest paid on deposits) around 4.3%, and a rising return on average assets and return on average common equity. Management has emphasized disciplined expense control, with the efficiency ratio improving toward the mid-to-upper 40% range. The company also raised its quarterly dividend by roughly 17% and continued share repurchases, reinforcing a shareholder-friendly capital-return stance. Analysts have flagged the approaching $10 billion asset threshold—which can bring added regulatory and compliance costs—as a key watchpoint, alongside competition for deposits and commercial loans.
PKBK Overview and Recent Performance
PKBK, or Parke Bancorp, Inc., is the holding company for Parke Bank, a community bank headquartered in Sewell, New Jersey, serving individuals and small to mid-sized businesses across southern New Jersey, the greater Philadelphia area, and select markets beyond. Its core lending businesses are commercial real estate, residential real estate, and construction lending, complemented by commercial and industrial loans.
Parke Bancorp has generated strong recent momentum. In the first half of its latest fiscal year, net income rose roughly 50% versus the prior-year period, supported by higher asset yields and lower funding costs. Its net interest margin improved sharply to about 4.17%, and its efficiency ratio declined to roughly 30%, an unusually low figure that highlights tight cost discipline. Profitability metrics such as return on average assets and return on average common equity also improved meaningfully. The board raised the quarterly dividend and authorized a buyback of up to 5% of common stock, while the chief executive officer made periodic open-market purchases. These actions have coincided with a substantial rise in the share price over the past year.
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Head-to-Head Comparison
The clearest contrast between these two banks is scale and business mix. BY operates as a diversified commercial lender with a broader Midwest footprint, a meaningful SBA lending franchise, and a recent acquisition-driven expansion, positioning it for mid-single-digit loan growth and greater fee income diversity. PKBK is a leaner community bank concentrated in commercial real estate and construction lending, which has produced exceptional efficiency and higher return-on-assets metrics but leaves earnings more sensitive to a single asset class and region.
On momentum, both names have performed strongly, but PKBK's percentage advance over the trailing year has been larger, reflecting its smaller base and robust margin expansion. On stability, BY offers a larger, more diversified balance sheet and higher market capitalization, while PKBK trades at a lower price-to-earnings multiple and a higher dividend yield. Key risk factors diverge as well: BY's main overhang is the regulatory and cost burden of crossing the $10 billion asset mark, whereas PKBK's risk centers on commercial real estate credit concentration and limited geographic diversification.
Tickeron AI Verdict
Based on observable factors, Tickeron's AI would likely view both names favorably but through different lenses. PKBK currently exhibits stronger trend consistency and superior efficiency and return metrics, which tend to align with momentum-oriented signals. However, BY offers greater balance-sheet diversification, steadier earnings progression, and more numerous long-term catalysts. On balance, a probabilistic assessment favors PKBK in the near term for its stronger relative momentum and profitability trajectory, while BY may hold the edge for investors prioritizing scale, diversification, and structural stability. The optimal choice depends on the specific trading timeframe and risk tolerance applied.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BY is a Buy and PKBK is a StrongBuy.
Momentum Indicator for BY turns positive, indicating new upward trend
BY saw its Momentum Indicator move above the 0 level on November 09, 2026. This is an indication that the stock could be shifting in to a new upward move. Traders may want to consider buying the stock or buying call options. Tickeron's A.I.dvisor looked at 85 similar instances where the indicator turned positive. In 58 of the 85 cases, the stock moved higher in the following days. The odds of a move higher are at 68%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 40 of 65 cases where BY's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 62%.
The Moving Average Convergence Divergence (MACD) for BY just turned positive on October 16, 2026. Looking at past instances where BY's MACD turned positive, the stock continued to rise in 18 of 39 cases over the following month. The odds of a continued upward trend are 46%.
BY moved above its 50-day moving average on October 22, 2026 date and that indicates a change from a downward trend to an upward trend.
The 10-day moving average for BY crossed bullishly above the 50-day moving average on October 28, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 7 of 17 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 41%.
Following a +2.05% 3-day Advance, the price is estimated to grow further. Considering data from situations where BY advanced for three days, in 155 of 277 cases, the price rose further within the following month. The odds of a continued upward trend are 56%.
The Aroon Indicator entered an Uptrend today. In 93 of 229 cases where BY Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 41%.
Bearish Trend Analysis
The 10-day RSI Indicator for BY moved out of overbought territory on October 30, 2026. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 30 similar instances where the indicator moved out of overbought territory. In 19 of the 30 cases, the stock moved lower in the following days. This puts the odds of a move lower at 63%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where BY declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 57%.
BY broke above its upper Bollinger Band on October 23, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 19 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron PE Growth Rating for this company is 24 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 29 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock better than average.
The Tickeron Price Growth Rating for this company is 42 (best 1 - 100 worst), indicating steady price growth. BY’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Valuation Rating of 64 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.321) is normal, around the industry mean (1.262). P/E Ratio (11.447) is within average values for comparable stocks, (13.479). Projected Growth (PEG Ratio) (0.160) is also within normal values, averaging (1.190). Dividend Yield (0.015) settles around the average of (0.035) among similar stocks. P/S Ratio (3.712) is also within normal values, averaging (3.738).
PKBK sees its Stochastic Oscillator climbs out of oversold territory
On November 10, 2026, the Stochastic Oscillator for PKBK moved out of oversold territory and this could be a bullish sign for the stock. Traders may want to buy the stock or buy call options. Tickeron's A.I.dvisor looked at 62 instances where the indicator left the oversold zone. In 42 of the 62 cases the stock moved higher in the following days. This puts the odds of a move higher at over 68%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Moving Average Convergence Divergence (MACD) for PKBK just turned positive on October 20, 2026. Looking at past instances where PKBK's MACD turned positive, the stock continued to rise in 27 of 42 cases over the following month. The odds of a continued upward trend are 64%.
Following a +1.48% 3-day Advance, the price is estimated to grow further. Considering data from situations where PKBK advanced for three days, in 163 of 263 cases, the price rose further within the following month. The odds of a continued upward trend are 62%.
The Aroon Indicator entered an Uptrend today. In 142 of 235 cases where PKBK Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 60%.
Bearish Trend Analysis
The Momentum Indicator moved below the 0 level on November 05, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on PKBK as a result. In 52 of 101 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 51%.
PKBK moved below its 50-day moving average on November 05, 2026 date and that indicates a change from an upward trend to a downward trend.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where PKBK declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 56%.
PKBK broke above its upper Bollinger Band on October 22, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
Fundamental Analysis (Ratings)
The Tickeron Profit vs. Risk Rating rating for this company is 25 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock better than average.
The Tickeron PE Growth Rating for this company is 32 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron SMR rating for this company is 39 (best 1 - 100 worst), indicating slightly weaker than average sales and a marginally profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Price Growth Rating for this company is 45 (best 1 - 100 worst), indicating steady price growth. PKBK’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Valuation Rating of 62 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.110) is normal, around the industry mean (1.262). P/E Ratio (8.386) is within average values for comparable stocks, (13.479). Projected Growth (PEG Ratio) (0.340) is also within normal values, averaging (1.190). Dividend Yield (0.025) settles around the average of (0.035) among similar stocks. P/S Ratio (4.533) is also within normal values, averaging (3.738).
BY | PKBK | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 39 | 66 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 64 Fair valued | 62 Fair valued | |
PROFIT vs RISK RATING 1..100 | 29 | 25 | |
SMR RATING 1..100 | 19 | 39 | |
PRICE GROWTH RATING 1..100 | 42 | 45 | |
P/E GROWTH RATING 1..100 | 24 | 32 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
PKBK's Valuation (62) in the Regional Banks industry is in the same range as BY (64). This means that PKBK’s stock grew similarly to BY’s over the last 12 months.
PKBK's Profit vs Risk Rating (25) in the Regional Banks industry is in the same range as BY (29). This means that PKBK’s stock grew similarly to BY’s over the last 12 months.
BY's SMR Rating (19) in the Regional Banks industry is in the same range as PKBK (39). This means that BY’s stock grew similarly to PKBK’s over the last 12 months.
BY's Price Growth Rating (42) in the Regional Banks industry is in the same range as PKBK (45). This means that BY’s stock grew similarly to PKBK’s over the last 12 months.
BY's P/E Growth Rating (24) in the Regional Banks industry is in the same range as PKBK (32). This means that BY’s stock grew similarly to PKBK’s over the last 12 months.
| BY | PKBK | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 63% | N/A |
| Stochastic ODDS (%) | 1 day ago 62% | 1 day ago 68% |
| Momentum ODDS (%) | 1 day ago 68% | 1 day ago 51% |
| MACD ODDS (%) | 1 day ago 46% | 1 day ago 64% |
| TrendWeek ODDS (%) | 1 day ago 58% | 1 day ago 56% |
| TrendMonth ODDS (%) | 1 day ago 52% | 1 day ago 65% |
| Advances ODDS (%) | 3 days ago 56% | 3 days ago 62% |
| Declines ODDS (%) | 29 days ago 57% | 1 day ago 56% |
| BollingerBands ODDS (%) | 1 day ago 73% | 1 day ago 58% |
| Aroon ODDS (%) | 1 day ago 41% | 1 day ago 60% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
BY’s FA Score shows that 3 FA rating(s) are green while PKBK’s FA Score has 2 green FA rating(s).
- BY’s FA Score: 3 green, 2 red.
- PKBK’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
BY’s TA Score shows that 7 TA indicator(s) are bullish while PKBK’s TA Score has 4 bullish TA indicator(s).
- BY’s TA Score: 7 bullish, 3 bearish.
- PKBK’s TA Score: 4 bullish, 4 bearish.
Price Growth
BY (@Regional Banks) experienced а +0.81% price change this week, while PKBK (@Regional Banks) price change was -0.21% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -1.23%. For the same industry, the average monthly price growth was +2.41%, and the average quarterly price growth was +11.80%.
Reported Earning Dates
BY is expected to report earnings on Jan 28, 2027.
Industries' Descriptions
@Regional Banks (-1.23% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
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BY and
Correlation & Price change
A.I.dvisor indicates that over the last year, BY has been closely correlated with THFF. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if BY jumps, then THFF could also see price increases.
PKBK and
Correlation & Price change
A.I.dvisor indicates that over the last year, PKBK has been closely correlated with IBCP. These tickers have moved in lockstep 80% of the time. This A.I.-generated data suggests there is a high statistical probability that if PKBK jumps, then IBCP could also see price increases.
| Ticker / NAME | Correlation To PKBK | 1D Price Change % | ||
|---|---|---|---|---|
| PKBK | 100% | -0.76% | ||
| IBCP - PKBK | 80% Closely correlated | +0.27% | ||
| SRCE - PKBK | 76% Closely correlated | -0.16% | ||
| BY - PKBK | 76% Closely correlated | +0.85% | ||
| FMBH - PKBK | 76% Closely correlated | +0.10% | ||
| BFST - PKBK | 75% Closely correlated | -0.52% | ||
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