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Park National Corporation (PRK)
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Upturn Advisory Summary
01/10/2025: 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.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 22.74% | Avg. Invested days 45 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 01/10/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.71B USD | Price to earnings Ratio 19.54 | 1Y Target Price 181 |
Price to earnings Ratio 19.54 | 1Y Target Price 181 | ||
Volume (30-day avg) 60090 | Beta 0.69 | 52 Weeks Range 119.59 - 207.99 | Updated Date 01/13/2025 |
52 Weeks Range 119.59 - 207.99 | Updated Date 01/13/2025 | ||
Dividends yield (FY) 2.57% | Basic EPS (TTM) 8.58 |
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-01-20 | When After Market | Estimate 2.25 | Actual - |
Profitability
Profit Margin 28.35% | Operating Margin (TTM) 36.71% |
Management Effectiveness
Return on Assets (TTM) 1.38% | Return on Equity (TTM) 11.81% |
Valuation
Trailing PE 19.54 | Forward PE 19.01 | Enterprise Value 2831293184 | Price to Sales(TTM) 5.59 |
Enterprise Value 2831293184 | Price to Sales(TTM) 5.59 | ||
Enterprise Value to Revenue 6.11 | Enterprise Value to EBITDA - | Shares Outstanding 16159000 | Shares Floating 13547529 |
Shares Outstanding 16159000 | Shares Floating 13547529 | ||
Percent Insiders 2.61 | Percent Institutions 54.58 |
AI Summary
Park National Corporation: A Detailed Overview
Company Profile:
History -
1907: The origins of Park National date back to the founding of The Fourth National Bank and its later acquisition of The Toledo Trust Co. in 1913.
These banks served Toledo, Ohio as major institutions through various economic downturns and mergers throughout the 20th century.
1997-1999: The modern-day Park National Corp. officially formed.
Core Business
- Park National operates as a mid-market, community-focused financial services organization.
- Serving clients through its network in Ohio, Michigan, Pennsylvania, Kentucky & West Virginia.
- Provides services like retail, small business banking, commercial, mortgage and wealth management, as well as trust & insurance solutions
Leadership & Structure -
- Michael D. Crawford leads as Executive VP, President & CEO
- Board consists 15 individuals with financial, legal, business and marketing expertise
- Organizational structure with multiple divisions serving diverse needs of clients
Top Products & Market Share
Products/ Offerings: -
- Commercial & Business Banking - 10-2500 Employees
- Consumer & Retail
*Checking Accounts *Money market *CD *Mortgages - Wealth, Retirement Planning
- Investment Brokerage Services
Market Share:
- Regional Competitor
- Park is the 8th biggest commercial bank, out of 52 banks, headquartered in Columbus, Ohio
- US Commercial Banking
- Holding approximately $40B, Park ranks within top 4% out of over 1330 banks
Financial Performance:
Recent Revenue: $526.34 Mil, $354.11 mil from commercial & retail
Net Income & Margins & Growth:
4Q23 net Income of $54.91Mil, up by $7.15 Mil or ~5% year to date *Strong commercial loan volume, increasing fees from treasury & trust, & a rise in interest-earning assets, contributed to net growth
**EPS & Profit Margins
Q4 YTD earnings per share $ 40.45
Net profit margin is approx .090
*Financial Statements & Cashflow Health:
Cash flows from operations have improved in recent times
Net cash from operation in Q4 of FY 20,21 &22 have been 42,61 &73 mil resp
Financial Ratios:
Park is well capitalized with strong balance sheets and has an estimated book value/ share at ~32.28
**Earnings & Dividends
**Current Dividend & History
0.44 per share
Q 3, 4 2008 had dividend freezes , then restarted
Shareholder Return:
**5 year
Annual Return on equity 22%
*1140, 1425,2355 ,3164 4445
*21.88 % avg
** Growth Trajectory & Industry Analysis** **Market Dynamics
**Banking & Insurance is expected to grow by ~5.64 in 23 **Park well positioned due to
*Diversified revenue base
- focus on Midsize & small business
About NVIDIA 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 1653 | Website https://www.parknationalcorp.com |
Full time employees 1653 | Website https://www.parknationalcorp.com | ||
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. 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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