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PRK vs UBSI
Which Stock Would AI Choose? Park National Corporation (PRK) vs. United Bankshares, Inc. (UBSI) Stock Comparison
Key Takeaways
- Both PRK and UBSI have posted strong year-to-date gains of approximately 16-17%, reflecting resilience in the regional banking sector.
- UBSI offers a higher dividend yield at 3.37% compared to PRK's 2.46%, appealing to income-focused investors.
- PRK demonstrates superior profitability with a return on equity (ROE, a measure of how effectively a company uses shareholders' equity to generate profits) of 13.87% versus UBSI's 8.86%.
- UBSI trades at a lower price-to-earnings (P/E) ratio of 13.61 compared to PRK's 15.78, suggesting relatively better valuation.
- Recent market activity shows both stocks near their 52-week highs, with low betas indicating lower volatility than the broader market.
Introduction
Park National Corporation (PRK) and United Bankshares, Inc. (UBSI) are regional banking holding companies serving community markets in the Midwest and mid-Atlantic regions, respectively. This stock comparison analyzes their recent performance, financial metrics, and market positioning amid evolving interest rates and economic conditions. Traders seeking sector exposure and investors focused on dividend stability or growth potential will find value in understanding their relative strengths, such as profitability versus valuation, to inform portfolio decisions in the competitive regional banking landscape.
PRK Overview and Recent Performance
Park National Corporation (PRK) operates as the holding company for Park National Bank, providing commercial, retail, and trust banking services primarily in Ohio, Northern Kentucky, and surrounding areas. With a market capitalization of approximately $3.17 billion, PRK emphasizes community-focused lending and has a history of steady dividend growth. In recent market activity, the stock has advanced toward its 52-week high of $179.48, posting a year-to-date return of 16.02% and trading around $175. Sentiment has been supported by the February 2026 completion of an acquisition of First Citizens Bancshares, enhancing its deposit base and market presence, alongside solid Q4 2025 earnings that drove net income growth. Stable net interest income (NII, revenue from interest-bearing assets minus interest expenses) and controlled non-performing loans have bolstered investor confidence, though integration risks remain a watchpoint.
UBSI Overview and Recent Performance
United Bankshares, Inc. (UBSI) is a financial holding company overseeing United Bank, with operations spanning West Virginia, Virginia, North Carolina, and other mid-Atlantic states. Its larger $6.22 billion market cap reflects a broader footprint in commercial real estate and small business lending. The stock, trading near $44.50 and its 52-week high of $45.93, has delivered a year-to-date gain of 17.02% and a one-year return of 38.13%. Recent weeks have seen positive momentum from record 2025 full-year earnings of $464.6 million, fueled by revenue growth and the Piedmont integration, which improved asset quality. Higher dividend payouts and resilient deposit growth amid rate pressures have sustained favorable sentiment, despite occasional short-term pullbacks.
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Head-to-Head Comparison
Both PRK and UBSI focus on regional community banking models, prioritizing deposits, loans, and fee-based services, but differ in scale and exposure. UBSI’s larger asset base drives higher revenue ($1.2 billion TTM versus $546 million), yet PRK excels in efficiency with superior ROA (1.84%) and ROE (13.87%). Growth drivers include PRK’s recent M&A for expansion and UBSI’s organic earnings records. Momentum favors UBSI on a one-year basis, while both exhibit low risk via betas under 0.8 and proximity to highs. Valuation trade-offs highlight UBSI’s attractive P/E and price-to-book (1.13), contrasting PRK’s premium for profitability. Market sentiment remains positive for both amid sector recovery, tempered by interest rate sensitivity.
Tickeron AI Verdict
Tickeron’s AI currently leans toward UBSI based on its superior one-year momentum, lower forward P/E (13.55), higher dividend yield, and larger scale providing diversified exposure. While PRK offers stronger profitability metrics and acquisition catalysts, UBSI’s relative valuation and trend consistency position it favorably in the near term for balanced risk-reward profiles.
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 UBSI 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 whileUBSI’s FA Score has 1 green FA rating(s).
- PRK’s FA Score: 0 green, 5 red.
- UBSI’s FA Score: 1 green, 4 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 UBSI’s TA Score has 5 bullish TA indicator(s).
- PRK’s TA Score: 5 bullish, 3 bearish.
- UBSI’s TA Score: 5 bullish, 4 bearish.
Price Growth
PRK (@Regional Banks) experienced а +0.30% price change this week, while UBSI (@Regional Banks) price change was +0.18% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.31%. For the same industry, the average monthly price growth was +5.68%, and the average quarterly price growth was +13.55%.
Reported Earning Dates
PRK is expected to report earnings on Jul 27, 2026.
UBSI is expected to report earnings on Jul 23, 2026.
Industries' Descriptions
@Regional Banks (+1.31% 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 | UBSI | PRK / UBSI | |
| Capitalization | 3.2B | 6.19B | 52% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 17.522 | 19.182 | 91% |
| P/E Ratio | 16.20 | 12.59 | 129% |
| Revenue | 587M | 1.26B | 47% |
| Total Cash | 137M | 269M | 51% |
| Total Debt | 33.9M | 626M | 5% |
PRK | UBSI | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 37 | 27 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 71 Overvalued | 37 Fair valued | |
PROFIT vs RISK RATING 1..100 | 42 | 55 | |
SMR RATING 1..100 | 39 | 23 | |
PRICE GROWTH RATING 1..100 | 47 | 46 | |
P/E GROWTH RATING 1..100 | 54 | 57 | |
SEASONALITY SCORE 1..100 | 85 | 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.
UBSI's Valuation (37) in the Regional Banks industry is somewhat better than the same rating for PRK (71) in the Major Banks industry. This means that UBSI’s stock grew somewhat faster than PRK’s over the last 12 months.
PRK's Profit vs Risk Rating (42) in the Major Banks industry is in the same range as UBSI (55) in the Regional Banks industry. This means that PRK’s stock grew similarly to UBSI’s over the last 12 months.
UBSI's SMR Rating (23) in the Regional Banks industry is in the same range as PRK (39) in the Major Banks industry. This means that UBSI’s stock grew similarly to PRK’s over the last 12 months.
UBSI's Price Growth Rating (46) in the Regional Banks industry is in the same range as PRK (47) in the Major Banks industry. This means that UBSI’s stock grew similarly to PRK’s over the last 12 months.
PRK's P/E Growth Rating (54) in the Major Banks industry is in the same range as UBSI (57) in the Regional Banks industry. This means that PRK’s stock grew similarly to UBSI’s over the last 12 months.
| PRK | UBSI | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 64% | 2 days ago 75% |
| Stochastic ODDS (%) | 2 days ago 64% | 2 days ago 58% |
| Momentum ODDS (%) | 2 days ago 49% | 2 days ago 56% |
| MACD ODDS (%) | 2 days ago 53% | 2 days ago 55% |
| TrendWeek ODDS (%) | 2 days ago 56% | 2 days ago 59% |
| TrendMonth ODDS (%) | 2 days ago 54% | 2 days ago 49% |
| Advances ODDS (%) | 12 days ago 51% | 2 days ago 52% |
| Declines ODDS (%) | N/A | 27 days ago 57% |
| BollingerBands ODDS (%) | 2 days ago 59% | 2 days ago 66% |
| Aroon ODDS (%) | 2 days ago 54% | 2 days ago 43% |
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