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PRK

BEARISH
$173.26 Live
Park National Corporation · AMEX
Target $184.0 (+6.2%)
$149.06 52W Range $179.48

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AI Analysis

AI-powered fundamental assessment

Confidence
85%
Park National Corporation exhibits significant fundamental weakness, highlighted by a critical Piotroski F-Score of 2/9, indicating deteriorating financial health. The stock is heavily overvalued, trading at $173.26, which is substantially higher than both its Graham Number ($143.65) and its growth-based Intrinsic Value ($76.30). While revenue growth remains strong at 21.2%, the divergence into negative YoY earnings growth (-8.1%) suggests margin compression or rising credit costs. Combined with a very bearish technical trend (10/100), the risk-to-reward profile is unfavorable.

Key Strengths

Strong top-line revenue growth of 21.2% YoY
Consistent track record of beating quarterly earnings estimates (3/4 last 4 quarters)
Sustainable dividend payout ratio of 39.54%
Healthy ROE of 12.05% and ROA of 1.57%
Diversified commercial loan portfolio with structured credit evaluations

Key Risks

Severe fundamental deterioration indicated by Piotroski F-Score of 2/9
Significant valuation premium over intrinsic and defensive fair values
Negative YoY earnings growth despite increasing revenue
High PEG ratio (3.47) suggesting the stock is overpriced relative to growth
Concentration risk in Commercial Real Estate (CRE) loans as noted in 10-K
AI Fair Value Estimate
Based on comprehensive analysis
$132.5
-23.5% below current price

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