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PRKPark National CorporationHold6.0·$173.51+0.27%
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Park National Corporation (PRK) Stock Analysis

Breakout setup

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $173.51, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: commercial loans (42.9%); Concentration risk — Loan Portfolio: residential real estate and construction loans (34.5%).

Park National Corporation is an Ohio-based bank holding company operating through Park National Bank with 87 offices in Ohio, Kentucky, North Carolina, South Carolina, and Tennessee (after the February 2026 First Citizens Bancshares acquisition). It offers commercial, consumer,... Read more

$173.51-1.0% A.UpsideScore 6.0/10#48 of 142 Banks - Regional
QualityF-score8 / 9FCF yield
IncomeYield2.51%(5y avg 3.08%)Payout39.54%sustainable
Stop $166.55Target $171.79(resistance)A.R:R -1.6:1
Analyst target$184.00+6.0%3 analysts
$171.79our TP
$173.51price
$184.00mean
$172
$188

Hold if already holding. Not a fresh buy at $173.51, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: commercial loans (42.9%); Concentration risk — Loan Portfolio: residential real estate and construction loans (34.5%). Chart setup: Golden cross, above all MAs, RSI 63, MACD bullish. Maintain position. Not compelling to add more. Score 6.0/10, moderate confidence.

Passes 6/8 gates (positive momentum, clean insider activity, news events none recent, earnings proximity 49d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-09
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Mon, Jul 27, 202649d to earnings· next earnings call

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Strong earnings beat streak (4/4)
Attractive valuation
Risks
Concentration risk — Loan Portfolio: commercial loans (42.9%)
Concentration risk — Loan Portfolio: residential real estate and construction loans (34.5%)
Analyst target reached - limited upside remaining

Key Metrics

P/E (TTM)15.9
P/E (Fwd)13.5
Mkt Cap$3.1B
EV/EBITDA
Profit Mgn31.3%
ROE12.0%
Rev Growth21.2%
Beta0.70
Dividend2.51%
Rating analysts10

Quality Signals

Piotroski F8/9MoatNarrow

Options Flow

IV44%normal

Concentration Risks(10-K Item 1A)

  • HIGHloan_portfoliocommercial loans43%
    10-K Item 1: 'approximately $3,453 million in commercial loans... representing approximately 42.9% of their total aggregate loan portfolio'
  • HIGHloan_portfolioresidential real estate and construction loans35%
    10-K Item 1: 'outstanding approximately $2,775 million in construction real estate loans and residential real estate loans, representing approximately 34.5% of total loans outstanding'
  • MEDIUMGeographicOhio, Kentucky, North Carolina, South Carolina
    10-K Item 1A: 'Our lending and deposit gathering activities are concentrated primarily in Ohio, Kentucky, North Carolina, South Carolina and, as of February 1, 2026, Tennessee.'

Material Events(8-K, last 90d)

  • 2026-04-28Item 5.02LOW
    At the 2026 Annual Meeting (April 27, 2026), shareholders approved the Park National Corporation 2026 Long-Term Incentive Plan for Employees, effective April 27, 2026, replacing the 2017 plan. Routine compensatory arrangement; no officer departure.
    SEC filing →

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

10 dimensions · all in-band

GatesA.R:R -1.6=NEGATIVEExecutive change: officer departure/appointmentMomentum 7.1>=5.5Insider activity: OKNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 49d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Aggressive
RSI
63 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $162.90Resistance $175.30

Price Targets

$167
$172
A.Upside-1.0%
A.R:R-1.6:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Target reached (-9.9% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-27 (49d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is PRK stock a buy right now?

Hold if already holding. Not a fresh buy at $173.51, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: commercial loans (42.9%); Concentration risk — Loan Portfolio: residential real estate and construction loans (34.5%). Chart setup: Golden cross, above all MAs, RSI 63, MACD bullish. Maintain position. Not compelling to add more. Target $171.79 (-1.0%), stop $166.55 (−4.2%), A.R:R -1.6:1. Score 6.0/10, moderate confidence.

What is the PRK stock price target?

Take-profit target: $171.79 (-1.0% upside). Target $171.79 (-1.0%), stop $166.55 (−4.2%), A.R:R -1.6:1. Stop-loss: $166.55.

What are the risks of investing in PRK?

Concentration risk — Loan Portfolio: commercial loans (42.9%); Concentration risk — Loan Portfolio: residential real estate and construction loans (34.5%); Analyst target reached - limited upside remaining.

Is PRK overvalued or undervalued?

Park National Corporation trades at a P/E of 15.9 (forward 13.5). TrendMatrix value score: 7.0/10. Verdict: Hold.

What do analysts say about PRK?

10 analysts cover PRK with a consensus score of 2.4/5. Average price target: $184.

What does Park National Corporation do?Park National Corporation is an Ohio-based bank holding company operating through Park National Bank with 87 offices in...

Park National Corporation is an Ohio-based bank holding company operating through Park National Bank with 87 offices in Ohio, Kentucky, North Carolina, South Carolina, and Tennessee (after the February 2026 First Citizens Bancshares acquisition). It offers commercial, consumer, and residential real estate loans plus wealth management, aircraft financing, and trust services; consolidated assets now exceed $10 billion.

Related stocks: NIC (Nicolet Bankshares Inc.) · IFS (Intercorp Financial Services In) · GABC (German American Bancorp, Inc.) · CUBI (Customers Bancorp, Inc) · INTR (Inter & Co. Inc.)
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