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PRK vs STBA
Which Stock Would AI Choose? Park National Corporation (PRK) vs. S&T Bancorp (STBA) Stock Comparison
Key Takeaways
- Park National Corporation (PRK) boasts a larger market capitalization of $3.17 billion and stronger year-to-date gains of approximately 16%, outperforming the S&P 500.
- S&T Bancorp (STBA) offers a higher dividend yield of 3.26%, appealing to income-focused investors, compared to PRK's 2.46%.
- PRK demonstrates superior return on equity (ROE, a measure of profitability relative to shareholders' equity) at 13.87%, versus STBA's 9.44%.
- Both regional banks have shown resilience in recent market activity, with PRK exhibiting lower volatility (beta of 0.69) than STBA (0.85).
- STBA trades at a lower price-to-earnings (P/E, stock price divided by earnings per share) ratio of 12.66, suggesting relative value compared to PRK's 15.78.
- Recent weeks have seen upward momentum for both, amid a broader regional banking sector recovery.
Introduction
Park National Corporation (PRK) and S&T Bancorp (STBA) are both regional bank holding companies serving Midwest communities through commercial and retail banking services. This comparison is particularly relevant for investors eyeing the regional banking sector, which has demonstrated strength in recent market conditions amid stabilizing deposit flows and renewed earnings growth. Traders seeking relative performance insights, valuation trade-offs, and momentum signals will find value in evaluating these peers, especially as interest rate dynamics influence net interest income (NII, revenue from interest-earning assets minus interest expenses). Understanding their contrasts aids in portfolio diversification or sector rotation strategies.
PRK Overview and Recent Performance
Park National Corporation (PRK) operates as the holding company for Park National Bank, delivering commercial banking, trust, and wealth management services across small and medium-sized markets, primarily in Ohio. With a market capitalization of $3.17 billion, PRK maintains a diversified loan portfolio including commercial real estate, equipment financing, and consumer loans. In recent weeks, PRK shares have traded near their 52-week high of $179.48, reflecting approximately 16% year-to-date gains and 26% over the past year, outpacing broader indices. This momentum stems from solid profitability, with a 33% profit margin and upcoming earnings on April 24, 2026, bolstered by disciplined expense management and a low beta of 0.69 indicating stability. Positive analyst sentiment, including raised price targets, has supported upward price behavior amid sector tailwinds.
STBA Overview and Recent Performance
S&T Bancorp (STBA), the holding company for S&T Bank, provides retail and commercial banking products across Pennsylvania, Ohio, and West Virginia, with a focus on deposits, loans, and treasury management. Its $1.62 billion market cap underscores a community-oriented model emphasizing commercial real estate and small business lending. Recent market activity has driven STBA shares higher from the low $40s to around $44, aligning with regional bank recovery trends. Performance reflects resilience in net interest margins despite economic pressures, supported by a 3.26% dividend yield that attracts income seekers. Sentiment remains steady, with a forward P/E of 13.83 signaling potential value, though higher beta of 0.85 exposes it to slightly greater market swings compared to peers.
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Head-to-Head Comparison
Both PRK and STBA operate similar community banking models with exposure to commercial real estate loans and deposits, but PRK's larger scale provides broader diversification and higher ROE (13.87% vs. 9.44%). Growth drivers for PRK include robust revenue of $545.7 million (TTM), while STBA's $394.7 million reflects a more modest footprint. Recent momentum favors PRK's 16% YTD surge versus STBA's steadier climb, though STBA counters with cheaper valuation (P/B 1.11 vs. 2.34) and superior yield. Risk factors include interest rate sensitivity for both, with PRK's lower beta offering stability; market sentiment tilts toward PRK amid sector optimism, but STBA appeals for value plays.
Tickeron AI Verdict
Tickeron’s AI models currently favor PRK with higher probability due to its consistent upward trend, superior ROE, low volatility, and stronger relative performance in recent market activity. STBA remains competitive for yield and value, but PRK's stability and catalysts like impending earnings position it ahead probabilistically in the short term.
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. Disclaimers and Limitations
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 STBA is a Hold.
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 undervalued. 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 0 FA rating(s) are green whileSTBA’s FA Score has 2 green FA rating(s).
- PRK’s FA Score: 0 green, 5 red.
- STBA’s FA Score: 2 green, 3 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 5 TA indicator(s) are bullish while STBA’s TA Score has 4 bullish TA indicator(s).
- PRK’s TA Score: 5 bullish, 3 bearish.
- STBA’s TA Score: 4 bullish, 4 bearish.
Price Growth
PRK (@Regional Banks) experienced а +0.30% price change this week, while STBA (@Regional Banks) price change was +0.11% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +0.72%. For the same industry, the average monthly price growth was +5.07%, and the average quarterly price growth was +12.89%.
Reported Earning Dates
PRK is expected to report earnings on Jul 27, 2026.
STBA is expected to report earnings on Jul 16, 2026.
Industries' Descriptions
@Regional Banks (+0.72% 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.
| PRK | STBA | PRK / STBA | |
| Capitalization | 3.2B | 1.7B | 188% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 17.522 | 22.257 | 79% |
| P/E Ratio | 16.20 | 13.29 | 122% |
| Revenue | 587M | 410M | 143% |
| Total Cash | 137M | 74M | 185% |
| Total Debt | 33.9M | 150M | 23% |
PRK | STBA | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 37 | 32 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 71 Overvalued | 40 Fair valued | |
PROFIT vs RISK RATING 1..100 | 42 | 28 | |
SMR RATING 1..100 | 39 | 46 | |
PRICE GROWTH RATING 1..100 | 47 | 45 | |
P/E GROWTH RATING 1..100 | 54 | 31 | |
SEASONALITY SCORE 1..100 | 85 | 85 |
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.
STBA's Valuation (40) in the Regional Banks industry is in the same range as PRK (71) in the Major Banks industry. This means that STBA’s stock grew similarly to PRK’s over the last 12 months.
STBA's Profit vs Risk Rating (28) in the Regional Banks industry is in the same range as PRK (42) in the Major Banks industry. This means that STBA’s stock grew similarly to PRK’s over the last 12 months.
PRK's SMR Rating (39) in the Major Banks industry is in the same range as STBA (46) in the Regional Banks industry. This means that PRK’s stock grew similarly to STBA’s over the last 12 months.
STBA's Price Growth Rating (45) in the Regional Banks industry is in the same range as PRK (47) in the Major Banks industry. This means that STBA’s stock grew similarly to PRK’s over the last 12 months.
STBA's P/E Growth Rating (31) in the Regional Banks industry is in the same range as PRK (54) in the Major Banks industry. This means that STBA’s stock grew similarly to PRK’s over the last 12 months.
| PRK | STBA | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 64% | 2 days ago 77% |
| Stochastic ODDS (%) | 2 days ago 64% | 2 days ago 66% |
| Momentum ODDS (%) | 2 days ago 49% | 2 days ago 65% |
| MACD ODDS (%) | 2 days ago 53% | 2 days ago 65% |
| TrendWeek ODDS (%) | 2 days ago 56% | 2 days ago 62% |
| TrendMonth ODDS (%) | 2 days ago 54% | 2 days ago 54% |
| Advances ODDS (%) | 12 days ago 51% | 2 days ago 65% |
| Declines ODDS (%) | N/A | 27 days ago 65% |
| BollingerBands ODDS (%) | 2 days ago 59% | 2 days ago 61% |
| Aroon ODDS (%) | 2 days ago 54% | 2 days ago 45% |
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PRK and
Correlation & Price change
A.I.dvisor indicates that over the last year, PRK has been closely correlated with BUSE. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if PRK jumps, then BUSE could also see price increases.
| Ticker / NAME | Correlation To PRK | 1D Price Change % | ||
|---|---|---|---|---|
| PRK | 100% | -0.04% | ||
| BUSE - PRK | 88% Closely correlated | +0.99% | ||
| FCF - PRK | 87% Closely correlated | +0.87% | ||
| PEBO - PRK | 87% Closely correlated | +1.02% | ||
| UBSI - PRK | 86% Closely correlated | +1.17% | ||
| STBA - PRK | 86% Closely correlated | +1.00% | ||
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