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PRK vs SRCE
Which Stock Would AI Choose? Park National Corporation (PRK) vs. 1st Source Corporation (SRCE) Stock Comparison
Key Takeaways
- Park National (PRK) is an Ohio-based regional bank holding company that recently completed an acquisition, expanding its footprint and asset base meaningfully in recent months.
- 1st Source (SRCE) is an Indiana-based regional bank with strong earnings growth, an 11% dividend increase, and improving credit metrics.
- Both stocks are community-focused regional banks, but they differ notably in scale, valuation, and near-term catalysts.
- Park National trades at a higher price-to-earnings (P/E) multiple but carries a pending integration story, while 1st Source trades at a lower multiple with steadier capital returns.
- Analyst sentiment leans more constructive on 1st Source, while Park National's relative performance has lagged the broader market.
Introduction
Regional banks occupy a distinct corner of the market, offering investors a blend of community lending, deposit franchises, and capital returns. Comparing PRK and SRCE puts two similarly sized, Midwest-anchored bank holding companies side by side — yet their recent trajectories have diverged. This stock comparison is relevant for value-oriented investors, dividend seekers, and traders monitoring relative performance and market positioning across the regional banking sector. While both companies share a conservative, community-banking heritage, differences in growth strategy, valuation, and momentum create a meaningful contrast for anyone evaluating where these two names stand in the current market environment.
PRK Overview and Recent Performance
Park National Corporation, headquartered in Newark, Ohio, operates through its subsidiary, The Park National Bank, serving communities across Ohio, Kentucky, North Carolina, South Carolina, and, more recently, Tennessee. The company's most significant recent development was the completion of its all-stock acquisition of First Citizens Bancshares, Inc., which expanded its presence into Tennessee and lifted its pro forma total assets to roughly $12.6 billion, with more than 100 branches across its footprint.
On the fundamentals front, Park National reported full-year 2025 net income of approximately $180 million, up from about $151 million a year earlier, with diluted earnings per share (EPS) rising to roughly $11.11 from $9.32. Net interest income (NII, the difference between interest earned on loans and interest paid on deposits) also expanded, and the company's net interest margin (NIM, a key profitability measure) remained notably strong for a community bank. Despite these gains, the stock's relative performance has lagged — its 52-week change has trailed the S&P 500 by a wide margin, and recent weeks have seen a softer tone in the shares. Integration execution and a premium valuation relative to peers remain the central watch points for sentiment.
SRCE Overview and Recent Performance
1st Source Corporation, headquartered in South Bend, Indiana, is the holding company for 1st Source Bank, which provides commercial and consumer banking, trust and wealth advisory services, and insurance products across Indiana, Michigan, and Florida. The company traces its roots to 1863 and has built a reputation for disciplined credit and consistent profitability.
In recent months, 1st Source reported full-year 2025 results showing net interest income of approximately $348 million and net income of roughly $158 million. Management raised the quarterly dividend to $0.40 per share — an 11% increase — and completed a modest share repurchase program. Credit quality also improved, with fourth-quarter net charge-offs (loans written off as uncollectible) declining year over year. These developments reinforced a steady, shareholder-friendly narrative. Analyst coverage has been supportive, with at least one firm raising its price target and maintaining an overweight-style rating, and the consensus leaning toward a moderate buy. That said, 1st Source trades at a lower P/E multiple, reflecting a market that remains cautious about loan growth and margin sustainability.
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Head-to-Head Comparison
While both PRK and SRCE are regional bank holding companies, their current profiles diverge in several ways. Park National is the larger of the two by market capitalization and total assets, and its near-term story is dominated by post-merger integration — a catalyst that can support growth but also introduces execution risk. 1st Source is smaller and more self-contained, with growth driven primarily by organic lending and wealth-related fee income rather than deal activity.
Valuation is a clear trade-off. Park National trades at a higher P/E and price-to-book multiple, suggesting the market is pricing in some combination of its strong NIM and the expected accretion from its acquisition. 1st Source trades at a comparatively lower multiple, with returns on equity (ROE, a measure of profitability relative to shareholder capital) in the low-to-mid teens. On momentum, 1st Source has drawn more favorable analyst commentary and a firmer capital-return profile, while Park National's shares have underperformed the broader market over the trailing year despite solid earnings growth. Risk factors also differ: Park National faces integration and concentration considerations, while 1st Source's sensitivity rests on margin compression and regional economic conditions in its Indiana and Michigan markets.
Tickeron AI Verdict
Based on observable factors such as trend consistency, earnings momentum, and relative positioning, Tickeron's AI would likely lean toward SRCE in the current environment. 1st Source has delivered steady earnings growth, improving credit quality, and a clear shareholder-return catalyst through its dividend increase — attributes that tend to support trend consistency. Park National's acquisition offers a compelling longer-term growth story, but integration execution and a premium valuation introduce greater uncertainty in the near term. Accordingly, the AI's probabilistic assessment would favor 1st Source for relative stability, while acknowledging that Park National's merger-driven expansion could shift the balance if integration progresses smoothly.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is PRK is a Hold and SRCE is a Buy.
PRK in downward trend: price expected to drop as it breaks its higher Bollinger Band on October 22, 2026
PRK broke above its upper Bollinger Band on October 22, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options. The A.I.dvisor looked at 45 similar instances where the stock broke above the upper band. In 29 of the 45 cases the stock fell afterwards. This puts the odds of success at 64%.
Technical Analysis (Indicators)
Bearish Trend Analysis
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 29 of 55 cases where PRK's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 53%.
The Momentum Indicator moved below the 0 level on November 05, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on PRK as a result. In 57 of 92 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 62%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where PRK declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 55%.
The Aroon Indicator for PRK entered a downward trend on October 23, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Bullish Trend Analysis
The RSI Oscillator points to a transition from a downward trend to an upward trend -- in cases where PRK's RSI Indicator exited the oversold zone, 10 of 20 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 50%.
Following a +1.78% 3-day Advance, the price is estimated to grow further. Considering data from situations where PRK advanced for three days, in 156 of 298 cases, the price rose further within the following month. The odds of a continued upward trend are 52%.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 17 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Seasonality Score of 24 (best 1 - 100 worst) indicates that the company is slightly undervalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron PE Growth Rating for this company is 33 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 35 (best 1 - 100 worst), indicating well-balanced risk and returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock slightly better than average.
The Tickeron Price Growth Rating for this company is 50 (best 1 - 100 worst), indicating fairly steady price growth. PRK’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Valuation Rating of 86 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.851) is normal, around the industry mean (1.262). P/E Ratio (15.729) is within average values for comparable stocks, (13.480). Projected Growth (PEG Ratio) (0.260) is also within normal values, averaging (1.194). Dividend Yield (0.025) settles around the average of (0.035) among similar stocks. P/S Ratio (5.008) is also within normal values, averaging (3.740).
SRCE in upward trend: price rose above 50-day moving average on October 22, 2026
SRCE moved above its 50-day moving average on October 22, 2026 date and that indicates a change from a downward trend to an upward trend. In 32 of 54 similar past instances, the stock price increased further within the following month. The odds of a continued upward trend are 59%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 34 of 64 cases where SRCE's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 53%.
The Momentum Indicator moved above the 0 level on October 20, 2026. You may want to consider a long position or call options on SRCE as a result. In 49 of 83 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 59%.
The Moving Average Convergence Divergence (MACD) for SRCE just turned positive on October 16, 2026. Looking at past instances where SRCE's MACD turned positive, the stock continued to rise in 17 of 40 cases over the following month. The odds of a continued upward trend are 43%.
The 10-day moving average for SRCE crossed bullishly above the 50-day moving average on October 26, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 8 of 15 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 53%.
Following a +0.76% 3-day Advance, the price is estimated to grow further. Considering data from situations where SRCE advanced for three days, in 173 of 304 cases, the price rose further within the following month. The odds of a continued upward trend are 57%.
Bearish Trend Analysis
Following a 3-day decline, the stock is projected to fall further. Considering past instances where SRCE declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 53%.
The Aroon Indicator for SRCE entered a downward trend on October 20, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron Profit vs. Risk Rating rating for this company is 9 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock better than average.
The Tickeron SMR rating for this company is 19 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron PE Growth Rating for this company is 20 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Price Growth Rating for this company is 41 (best 1 - 100 worst), indicating steady price growth. SRCE’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Valuation Rating of 80 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.598) is normal, around the industry mean (1.262). P/E Ratio (12.473) is within average values for comparable stocks, (13.480). Projected Growth (PEG Ratio) (0.380) is also within normal values, averaging (1.194). Dividend Yield (0.021) settles around the average of (0.035) among similar stocks. P/S Ratio (4.617) is also within normal values, averaging (3.740).
PRK | SRCE | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 15 | 40 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 86 Overvalued | 80 Overvalued | |
PROFIT vs RISK RATING 1..100 | 35 | 9 | |
SMR RATING 1..100 | 17 | 19 | |
PRICE GROWTH RATING 1..100 | 50 | 41 | |
P/E GROWTH RATING 1..100 | 33 | 20 | |
SEASONALITY SCORE 1..100 | 24 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
SRCE's Valuation (80) in the Regional Banks industry is in the same range as PRK (86) in the Major Banks industry. This means that SRCE’s stock grew similarly to PRK’s over the last 12 months.
SRCE's Profit vs Risk Rating (9) in the Regional Banks industry is in the same range as PRK (35) in the Major Banks industry. This means that SRCE’s stock grew similarly to PRK’s over the last 12 months.
PRK's SMR Rating (17) in the Major Banks industry is in the same range as SRCE (19) in the Regional Banks industry. This means that PRK’s stock grew similarly to SRCE’s over the last 12 months.
SRCE's Price Growth Rating (41) in the Regional Banks industry is in the same range as PRK (50) in the Major Banks industry. This means that SRCE’s stock grew similarly to PRK’s over the last 12 months.
SRCE's P/E Growth Rating (20) in the Regional Banks industry is in the same range as PRK (33) in the Major Banks industry. This means that SRCE’s stock grew similarly to PRK’s over the last 12 months.
| PRK | SRCE | |
|---|---|---|
| RSI ODDS (%) | 3 days ago 50% | N/A |
| Stochastic ODDS (%) | 2 days ago 53% | 2 days ago 53% |
| Momentum ODDS (%) | 2 days ago 62% | 2 days ago 59% |
| MACD ODDS (%) | N/A | 2 days ago 43% |
| TrendWeek ODDS (%) | 2 days ago 56% | 2 days ago 55% |
| TrendMonth ODDS (%) | 2 days ago 53% | 2 days ago 55% |
| Advances ODDS (%) | 27 days ago 52% | 16 days ago 57% |
| Declines ODDS (%) | 6 days ago 55% | 6 days ago 53% |
| BollingerBands ODDS (%) | 2 days ago 64% | N/A |
| Aroon ODDS (%) | 2 days ago 51% | 2 days ago 54% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
PRK’s FA Score shows that 2 FA rating(s) are green while SRCE’s FA Score has 3 green FA rating(s).
- PRK’s FA Score: 2 green, 3 red.
- SRCE’s FA Score: 3 green, 2 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
PRK’s TA Score shows that 2 TA indicator(s) are bullish while SRCE’s TA Score has 6 bullish TA indicator(s).
- PRK’s TA Score: 2 bullish, 5 bearish.
- SRCE’s TA Score: 6 bullish, 2 bearish.
Price Growth
PRK (@Regional Banks) experienced а +1.64% price change this week, while SRCE (@Regional Banks) price change was -0.14% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -1.23%. For the same industry, the average monthly price growth was +2.41%, and the average quarterly price growth was +11.80%.
Reported Earning Dates
PRK is expected to report earnings on Jan 25, 2027.
SRCE is expected to report earnings on Jan 21, 2027.
Industries' Descriptions
@Regional Banks (-1.23% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
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PRK and
Correlation & Price change
A.I.dvisor indicates that over the last year, PRK has been closely correlated with NBTB. These tickers have moved in lockstep 85% of the time. This A.I.-generated data suggests there is a high statistical probability that if PRK jumps, then NBTB could also see price increases.
| Ticker / NAME | Correlation To PRK | 1D Price Change % | ||
|---|---|---|---|---|
| PRK | 100% | -0.32% | ||
| NBTB - PRK | 85% Closely correlated | -0.43% | ||
| PEBO - PRK | 84% Closely correlated | -0.70% | ||
| FCF - PRK | 83% Closely correlated | +0.09% | ||
| UBSI - PRK | 83% Closely correlated | -0.41% | ||
| SRCE - PRK | 83% Closely correlated | -0.50% | ||
More | ||||
| 1 Day | |||
|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| EDGU | 31.48 | -0.05 | -0.15% |
| 3EDGE Dynamic US Equity ETF (EDGU) | |||
| WTIP | 33.15 | -0.12 | -0.36% |
| WisdomTree Inflation Plus Fund (WTIP) | |||
| VTC | 73.74 | -0.44 | -0.59% |
| Vanguard Total Corporate Bond ETF (VTC) | |||
| PPT | 3.34 | -0.03 | -0.89% |
| Putnam Premier Income Trust | |||
| SHPP | 34.05 | -0.38 | -1.11% |
| Pacer Industrials and Logistics ETF (SHPP) | |||