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Upturn AI SWOT - About
Park National Corporation (PRK)
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Upturn Advisory Summary
06/30/2025: 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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $172.67
1 Year Target Price $172.67
| 0 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 16.58% | Avg. Invested days 46 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.71B USD | Price to earnings Ratio 17.19 | 1Y Target Price 172.67 |
Price to earnings Ratio 17.19 | 1Y Target Price 172.67 | ||
Volume (30-day avg) 3 | Beta 0.81 | 52 Weeks Range 136.21 - 205.38 | Updated Date 06/30/2025 |
52 Weeks Range 136.21 - 205.38 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 2.55% | Basic EPS (TTM) 9.75 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.71% | Operating Margin (TTM) 41.1% |
Management Effectiveness
Return on Assets (TTM) 1.6% | Return on Equity (TTM) 12.98% |
Valuation
Trailing PE 17.19 | Forward PE 23.7 | Enterprise Value 2763825152 | Price to Sales(TTM) 5.26 |
Enterprise Value 2763825152 | Price to Sales(TTM) 5.26 | ||
Enterprise Value to Revenue 5.67 | Enterprise Value to EBITDA - | Shares Outstanding 16191300 | Shares Floating 12317405 |
Shares Outstanding 16191300 | Shares Floating 12317405 | ||
Percent Insiders 2.59 | Percent Institutions 55.51 |
Analyst Ratings
Rating 2 | Target Price 172.67 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Park National Corporation
Company Overview
History and Background
Park National Corporation was founded in 1908 as The Park National Bank. It has grown through acquisitions and organic expansion, becoming a multi-bank holding company providing financial services across several states.
Core Business Areas
- Community Banking: Provides traditional banking services, including checking and savings accounts, loans, and other financial products to individuals and businesses.
- Specialized Financial Services: Offers trust and wealth management, insurance, and investment services.
Leadership and Structure
David L. Trautman serves as Chairman and CEO. The company operates with a decentralized management structure through its community bank affiliates.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share varies by region; competitors include regional and national banks, as well as credit unions.
- Residential Mortgages: Mortgages for home purchases and refinancing. Competitors include national mortgage lenders and other regional banks. Market share varies by region.
- Wealth Management: Investment advice and financial planning services for individuals and families. Market share varies and competes with national brokerage firms.
Market Dynamics
Industry Overview
The banking industry is currently facing rising interest rates, increased regulatory scrutiny, and competition from non-bank financial institutions.
Positioning
Park National Corporation is positioned as a strong regional bank focused on community relationships and providing a wide range of financial services. Its competitive advantage lies in its local market knowledge and customer service.
Total Addressable Market (TAM)
TAM depends on the geographic areas served and financial services offered. PNC is positioned to capture a portion of this market through community ties and broad service offerings.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Diversified revenue streams
- Experienced management team
- Strong asset quality
Weaknesses
- Limited geographic reach compared to national banks
- Dependence on interest rate environment
- Exposure to regional economic fluctuations
Opportunities
- Expanding into new geographic markets
- Acquiring smaller community banks
- Increasing digital banking capabilities
- Growing wealth management services
Threats
- Increased competition from national banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- FCNCA
- BANF
- PBCT
Competitive Landscape
PRK has an advantage in localized market understanding but faces disadvantages versus larger national competitors in resources and brand recognition.
Growth Trajectory and Initiatives
Historical Growth: Requires financial data. Discussion of historical growth trends based on financial performance.
Future Projections: Requires financial data. Projections for future growth based on analyst estimates.
Recent Initiatives: Requires financial data. Highlighting recent strategic initiatives undertaken by the company.
Summary
Park National Corporation is a stable regional bank with a strong presence in its local markets. Its diversified revenue streams and experienced management are key strengths. However, it faces challenges from larger competitors and economic fluctuations and must proactively manage these challenges.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Financial news sources
- Industry reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary by region.
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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