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The Screen · Financials · Banks - Regional
Park National Corporation
PRK · NYSE American · USD · Market cap $3.3B · 1,589 employees
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.
FAIL · Does not pass the screen
181.99 USD
Price as of 27 Oct 2026Daily close, not a live quote
Screened 2026-10-27 · the tape above runs as of 20:04 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
Key facts today
Price181.99 USD at the 27 Oct 2026 close
Ethical screenDoes not pass
OptionsOpen interest leans to puts (put/call 2.00)
Last reviewed27 Oct 2026 (1 days ago)
A summary of the dated readings below, not a live quote and not advice.
PRICE · FAIR-VALUE RANGE1M3M6MYTD1Y3Y5Y
What this means: price 181.99 against the desk's fair-value range, base estimate 201.49, over the last year.
Positioning no disclosures inside 60 days, left as found
Options put/call open interest 2.00, read 2026-10-25
Ethical does not pass the values gate
Price181.99 USD
Fair value201.49
Ethical score30.0/100
Our investment reviews on this name
2026-10-25Read Accumulation175.53+3.7% to today ✓Markdown gives way to Accumulation after a 10% slide in 6 weeks
2026-09-10Read Markdown194.73-6.5% to today ✓Markup gives way to Markdown after a 7% slide in 5 weeks
2026-08-09Read Markup210.10-13.4% to today Markdown gives way to Markup after a 17% rise in 5 weeks
2026-07-02Read Markdown180.13+1.0% to today First review on file: Markdown
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Park National Corporation holds its Accumulation at $181.99. The statistical read favours the buyers, held for 1 days.
As held on the ledger · 2026-10-27
Phase
Accumulation
Quantitative state
The statistical read favours the buyers, held for 1 days
Price at the screen
$181.99
Valuation
16.26 trailing · 13.69 forward price to earnings
Values screen
FAIL· score 30.0
Beta
0.71
The Workings
Five Screens, Shown in Full
Does not pass. Prohibited keyword in sector/industry: bank
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Prohibited keyword in sector/industry: bank
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
Park National does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-10-27. It updates when the underlying figures move, and past reads are kept below.
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Get an email when PRK's ethical verdict changes
Today PRK does not pass the screen. If new figures move it to a pass, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
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Fair value range in USD, drawn from the 2026-10-27 screen. The gold marker is the market price at the same screen. A 10.7% margin of safety to the base estimate.
Third-party analyst targets: 4 covering, consensus Hold. The average target sits +12% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-10-27 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Why This Regional Bank Fails Our Screen
Everyday deposits from Ohio workshops and Midwest farms still flow through old-school regional banks like this one. Park National handles the basics well enough, yet the numbers show little edge worth chasing at the current price. Revenue growth of 21 percent and a 31 percent profit margin sit alongside a forward P/E of 14.9 times and return on equity of just 12 percent, while shares trade a shade above our fair value with a negative margin of safety.
We pass for the clearest reason first. The ethical screen flags any bank exposure outright, and that rule is non-negotiable here. On top of that the opportunity rating sits at none, analyst targets cluster below the market price, and nothing in the reported metrics suggests the business clears our bar once the sector screen is applied.
Valuation looks ordinary rather than cheap, and cyclical earnings in regional banking can flatten fast when rates or local economies turn. The unknown moat adds another layer of uncertainty that does not justify stretching the rules. Analysis, not advice.
The risks · The main risks here are ordinary market swings and the chance our fair-value read proves too optimistic.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
PRK trades on NYSE American. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-10-26Accumulation$175.53+0.0%Entry 15
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 22%. The street (3 analysts) rates it none, with a mean price target of $184. It reported earnings in this window, a natural checkpoint for the thesis.
The framework has shifted from markdown to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 2% above its long-term trend line with momentum reading bearish. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 22%. The street (3 analysts) rates it none, with a mean price target of $184. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-24Markdown$175.53+0.0%Entry 13
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 2% above its long-term trend line with momentum reading bearish. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 22%. The street (3 analysts) rates it none, with a mean price target of $184. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-23Markdown$175.53+0.0%Entry 12
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 2% above its long-term trend line with momentum reading bearish. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 22%. The street (3 analysts) rates it none, with a mean price target of $184. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-22Markdown$175.53+0.0%Entry 11
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 2% above its long-term trend line with momentum reading bearish. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 22%. The street (3 analysts) rates it none, with a mean price target of $184. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-21Markdown$175.53+0.0%Entry 10
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 2% above its long-term trend line with momentum reading bearish. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 22%. The street (3 analysts) rates it none, with a mean price target of $184. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-20Markdown$175.53+0.0%Entry 9
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 2% above its long-term trend line with momentum reading bearish. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 22%. The street (3 analysts) rates it none, with a mean price target of $184. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-19Markdown$175.53+0.0%Entry 8
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 2% above its long-term trend line with momentum reading bearish. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 22%. The street (3 analysts) rates it none, with a mean price target of $184. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-18Markdown$175.53-2.1%Entry 7
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 2.1% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 22%. The street (3 analysts) rates it none, with a mean price target of $184.
2026-10-02Markdown$179.22-8.0%Entry 6
Our analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 8.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 10%. Our forward projection puts the odds of a 10% gain over the next month near 22%. The street (3 analysts) rates it none, with a mean price target of $184.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
