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Upturn AI SWOT - About
Park National Corporation (PRK)
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Upturn Advisory Summary
09/15/2025: 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 5.15% | Avg. Invested days 44 | 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 09/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.67B USD | Price to earnings Ratio 16.17 | 1Y Target Price 181.67 |
Price to earnings Ratio 16.17 | 1Y Target Price 181.67 | ||
Volume (30-day avg) 3 | Beta 0.75 | 52 Weeks Range 136.24 - 204.09 | Updated Date 09/15/2025 |
52 Weeks Range 136.24 - 204.09 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 2.52% | Basic EPS (TTM) 10.28 |
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 16.17 | Forward PE 23.7 | Enterprise Value 2782164992 | Price to Sales(TTM) 5.04 |
Enterprise Value 2782164992 | Price to Sales(TTM) 5.04 | ||
Enterprise Value to Revenue 5.56 | Enterprise Value to EBITDA - | Shares Outstanding 16071300 | Shares Floating 12225795 |
Shares Outstanding 16071300 | Shares Floating 12225795 | ||
Percent Insiders 2.61 | Percent Institutions 55.59 |
Upturn AI SWOT
Park National Corporation
Company Overview
History and Background
Park National Corporation was founded in 1908 as The Park National Bank. Over the years, it has grown through organic expansion and acquisitions, evolving into a multi-bank holding company.
Core Business Areas
- Community Banking: Offers a range of banking services to individuals and businesses, including deposit accounts, loans, and other financial services.
- Wealth Management: Provides wealth management and trust services to individuals, families, and institutions.
- Specialty Finance: Engages in specialty finance activities, offering tailored financial solutions to niche markets.
Leadership and Structure
David L. Trautman serves as the Chairman and CEO. The organizational structure includes various executive officers overseeing different business segments and support functions.
Top Products and Market Share
Key Offerings
- Commercial Lending: Provides loans to businesses for various purposes, including expansion, working capital, and equipment financing. Market share data is unavailable at this time, competitors include large national and regional banks like JPMorgan Chase, Bank of America, and Fifth Third Bancorp.
- Commercial Loan Market Share (%): 0
- Residential Mortgages: Offers mortgage loans to individuals for the purchase or refinance of residential properties. Market share data unavailable, key competitiors include Rocket Mortgage, United Wholesale Mortgage (UWM), and local credit unions.
- Residential Mortgages Market Share (%): 0
- Deposit Accounts: Provides checking, savings, and money market accounts to individuals and businesses. Market share data unavailable; competitors are Bank of America, Chase, and Wells Fargo.
- Deposit Accounts Market Share (%): 0
- Wealth Management Market Share (%): 0
- Wealth Management Services: Offers investment advisory, financial planning, and trust services. Market share data unavailable; Competitors include Fidelity, Schwab, and local registered investment advisors.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, technological disruption, and regulatory changes. Banks are facing increased competition from fintech companies and non-bank lenders.
Positioning
Park National Corporation is a regional bank that focuses on community banking and building strong relationships with its customers. Its competitive advantage lies in its local market knowledge and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in Park National Corporation's geographic footprint is estimated to be in the billions of dollars. Park National Corporation is positioned to capture a share of this market through its community-focused approach and strong customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Diversified revenue streams
- Sound financial performance
Weaknesses
- Limited geographic reach
- Dependence on traditional banking services
- Smaller scale compared to national banks
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Growth in wealth management business
- Acquisition of smaller banks
Threats
- Increased competition from fintech companies
- Rising interest rates
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- Fifth Third Bancorp (FITB)
- Huntington Bancshares Incorporated (HBAN)
- KeyCorp (KEY)
Competitive Landscape
Park National Corporation faces intense competition from larger regional and national banks. Its advantage lies in its community-focused approach and strong customer relationships. It is positioned to hold about 0% of the market share compared to its key competitiors.
Growth Trajectory and Initiatives
Historical Growth: Park National Corporation has experienced steady growth over the past years, driven by organic expansion and strategic acquisitions.
Future Projections: Future growth projections are not available, as detailed analyst estimates are not provided.
Recent Initiatives: Recent strategic initiatives include expanding its digital banking capabilities and investing in new technologies.
Summary
Park National Corporation is a regional bank with a strong community focus. Its strengths include a diversified business model and experienced management. However, it faces challenges from increased competition and regulatory changes. It is currently positioned to maintain its market share through strategic initiatives and customer relationships, but must look out for fintech disruption.
Peer Comparison
Sources and Disclaimers
Data Sources:
- AI Analysis, Public Information
Disclaimers:
This analysis is based on limited information and general industry knowledge. Market share data is unavailable at this time. This is not financial advice.
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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