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Upturn AI SWOT - About
Park National Corporation (PRK)
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Upturn Advisory Summary
08/28/2025: PRK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 10.08% | Avg. Invested days 43 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.80B USD | Price to earnings Ratio 16.92 | 1Y Target Price 181.67 |
Price to earnings Ratio 16.92 | 1Y Target Price 181.67 | ||
Volume (30-day avg) 3 | Beta 0.74 | 52 Weeks Range 136.24 - 204.09 | Updated Date 08/29/2025 |
52 Weeks Range 136.24 - 204.09 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 2.45% | Basic EPS (TTM) 10.15 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | 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 16.92 | Forward PE 23.7 | Enterprise Value 2870557184 | Price to Sales(TTM) 5.27 |
Enterprise Value 2870557184 | Price to Sales(TTM) 5.27 | ||
Enterprise Value to Revenue 5.71 | Enterprise Value to EBITDA - | Shares Outstanding 16071300 | Shares Floating 12225795 |
Shares Outstanding 16071300 | Shares Floating 12225795 | ||
Percent Insiders 2.61 | Percent Institutions 55.55 |
Upturn AI SWOT
Park National Corporation
Company Overview
History and Background
Park National Corporation was founded in 1908 as The Park National Bank in Newark, Ohio. Over the years, it has grown through strategic acquisitions and organic growth, evolving into a multi-bank holding company.
Core Business Areas
- Community Banking: Offers a range of banking services to individuals and businesses, including checking and savings accounts, loans, and wealth management.
- Mortgage Banking: Provides mortgage origination and servicing.
- Specialized Lending: Focuses on specific lending areas such as equipment financing and government-guaranteed lending.
Leadership and Structure
David L. Trautman serves as the Chairman and CEO. The company operates under a holding company structure, with various community bank divisions and specialized subsidiaries.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes. Market share data is not publicly available for Park National specifically. Competitors include regional and national banks like Fifth Third Bank, Huntington Bancshares, and US Bancorp.
- Residential Mortgages: Mortgage loans to individuals. Market share data is not publicly available for Park National specifically. Competitors include national mortgage lenders like Rocket Mortgage and Wells Fargo.
- Deposit Accounts: Checking, savings, and money market accounts. Market share data is not publicly available for Park National specifically. Competitors include national banks like Chase, Bank of America, and Wells Fargo.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive, influenced by interest rates, economic growth, and regulatory changes. Fintech companies are also disrupting traditional banking models.
Positioning
Park National Corporation operates as a community-focused bank, emphasizing relationships and local market knowledge. Its competitive advantages include its strong reputation and customer service.
Total Addressable Market (TAM)
The TAM for banking services in the US is estimated to be in the trillions of dollars. Park National Corporation holds a small percentage of this TAM, primarily focused on its regional footprint.
Upturn SWOT Analysis
Strengths
- Strong community reputation
- Experienced management team
- Diversified revenue streams
- Solid asset quality
Weaknesses
- Limited geographic footprint
- Reliance on traditional banking model
- Lower brand recognition compared to national banks
- Smaller scale compared to national players
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Increased focus on wealth management
- Strategic acquisitions
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- FITB
- HBAN
- USB
Competitive Landscape
Park National Corporation competes with larger regional and national banks. Its advantage lies in its local market knowledge and customer relationships. It lags behind larger institutions in terms of technological capabilities and brand recognition.
Major Acquisitions
Scot Financial Services, Inc
- Year: 2004
- Acquisition Price (USD millions): 12.7
- Strategic Rationale: Expanded services.
Growth Trajectory and Initiatives
Historical Growth: Park National Corporation has achieved steady growth through a combination of organic expansion and strategic acquisitions.
Future Projections: Analysts expect continued steady growth, driven by loan growth and improved efficiency.
Recent Initiatives: Recent initiatives include investments in technology to enhance customer experience and expansion of wealth management services.
Summary
Park National Corporation is a financially stable community bank with steady growth and consistent dividend payouts. Its strength lies in its local market presence and customer relationships. However, it faces increasing competition from larger banks and fintech companies and must continue to invest in technology to remain competitive.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Park National Corporation Investor Relations
- SEC Filings (10-K, 10-Q)
- Analyst Reports
- Company Website
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is based on available public information and estimates.
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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