Smooth peanut butter
Heat the peanut butter and milk in a saucepan, stirring until combined. The amount is up to you, just pour in a little milk at a time until you hit a thick pudding consistency. Add carob to your liking. Mix in coconut flakes, again, to your liking.
In a tall, thin glass, alternate a layer of sliced banana with a dollop of pudding. Top it off with a piece of banana and sprinkle carob and coconut over it. Add a few walnuts if you wish.
If there is any pudding left, place it in the freezer to make ice cream.
The parfait can be served hot or chilled.