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Upturn AI SWOT - About
Park National Corporation (PRK)
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Upturn Advisory Summary
10/20/2025: PRK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $181.67
1 Year Target Price $181.67
| 0 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 2.77% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/20/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.55B USD | Price to earnings Ratio 15.08 | 1Y Target Price 181.67 |
Price to earnings Ratio 15.08 | 1Y Target Price 181.67 | ||
Volume (30-day avg) 3 | Beta 0.71 | 52 Weeks Range 136.24 - 204.09 | Updated Date 10/20/2025 |
52 Weeks Range 136.24 - 204.09 | Updated Date 10/20/2025 | ||
Dividends yield (FY) 2.75% | Basic EPS (TTM) 10.53 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-27 | When After Market | Estimate 2.74 | Actual - |
Profitability
Profit Margin 31.5% | Operating Margin (TTM) 44.31% |
Management Effectiveness
Return on Assets (TTM) 1.68% | Return on Equity (TTM) 13.49% |
Valuation
Trailing PE 15.08 | Forward PE 23.7 | Enterprise Value 2602326528 | Price to Sales(TTM) 4.81 |
Enterprise Value 2602326528 | Price to Sales(TTM) 4.81 | ||
Enterprise Value to Revenue 5.33 | Enterprise Value to EBITDA - | Shares Outstanding 16071347 | Shares Floating 13253076 |
Shares Outstanding 16071347 | Shares Floating 13253076 | ||
Percent Insiders 2.61 | Percent Institutions 55.53 |
Upturn AI SWOT
Park National Corporation
Company Overview
History and Background
Park National Corporation was founded in 1908 as Park National Bank in Newark, Ohio. It has grown through acquisitions and organic expansion, evolving into a multi-bank holding company.
Core Business Areas
- Community Banking: Offers a full range of banking services including loans, deposits, and wealth management to individuals and businesses.
- Specialty Finance: Provides specialized lending solutions, including equipment financing and factoring.
Leadership and Structure
David L. Trautman is the Chairman and CEO. The company operates with a decentralized management structure, allowing individual community bank presidents significant autonomy.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, expansion, and equipment. Market share varies by region. Competitors: US Bank, Huntington Bancshares.
- Residential Mortgages: Mortgages for home purchases and refinancing. Market share varies by region. Competitors: Fifth Third Bank, PNC Financial Services.
- Wealth Management: Financial planning and investment services. Market share varies by region. Competitors: Edward Jones, Merrill Lynch.
Market Dynamics
Industry Overview
The banking industry is facing increased competition, regulatory scrutiny, and technological disruption. Interest rate fluctuations and economic cycles significantly impact profitability.
Positioning
Park National Corporation is a well-established regional bank holding company with a strong presence in Ohio and surrounding states. Its decentralized model fosters strong local relationships and responsiveness.
Total Addressable Market (TAM)
The TAM for community banking in Park National's geographic footprint is estimated at $500 billion. PNC is capturing a fraction of this with room to expand.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Decentralized management structure
- Experienced leadership team
- Strong credit quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger national banks
- Susceptibility to regional economic downturns
Opportunities
- Strategic acquisitions to expand market presence
- Investment in technology to enhance customer experience
- Growth in wealth management services
- Expansion into adjacent markets
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Regulatory changes
- Economic downturns
Competitors and Market Share
Key Competitors
- USB
- FITB
- PNC
Competitive Landscape
Park National competes effectively in its regional markets by providing personalized service and building strong customer relationships. However, it faces challenges from larger banks with greater resources and broader geographic reach.
Major Acquisitions
Second National Bank
- Year: 2021
- Acquisition Price (USD millions): 125
- Strategic Rationale: Expanded market presence in central Ohio and increased deposit base.
Growth Trajectory and Initiatives
Historical Growth: Park National has demonstrated steady growth through organic expansion and strategic acquisitions. Revenue has increased at an average annual rate of 5% over the past five years.
Future Projections: Analysts project revenue growth of 4-6% annually over the next three years. EPS is expected to grow at a similar pace.
Recent Initiatives: Investments in digital banking platforms, expansion of wealth management services, and strategic acquisitions of community banks.
Summary
Park National Corporation is a financially stable regional bank with a strong community focus. Its decentralized model and local market expertise are key strengths. They will need to watch out for increasing competition from larger banks and fintech companies. Strategic initiatives in digital banking and wealth management should drive future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Presentations
- Analyst Reports
- Financial News Outlets
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market conditions and company performance can change rapidly.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Park National Corporation
Exchange NYSE MKT | Headquaters Newark, OH, United States | ||
IPO Launch date 1991-05-08 | CEO & Chairman of the Board Mr. David L. Trautman | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1620 | |
Full time employees 1620 | |||
Park National Corporation operates as the bank holding company for Park National Bank that provides commercial banking and trust services in small and medium population areas in the United States. The company offers deposits for demand, savings, and time accounts; trust and wealth management services; cash management services; safe deposit operations; electronic funds transfers; Internet and mobile banking solutions with bill pay service; credit cards; and various additional banking-related services. It also provides commercial loans, including financing for industrial and commercial properties, financing for equipment, inventory and accounts receivable, acquisition financing, and commercial leasing, as well as for consumer finance companies; commercial real estate loans comprising mortgage loans to developers and owners of commercial real estate; originates financing leases primarily for the purchase of commercial vehicles, operating/manufacturing equipment, and municipal vehicles/equipment; consumer loans, such as automobile loans; consumer finance services; home equity lines of credit; and residential real estate and construction loans, as well as installment loans and commercial loans. In addition, the company offers aircraft financing services; and ParkDirect, a personal banking application. Park National Corporation was founded in 1908 and is headquartered in Newark, Ohio.
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