Park National vs Provident Financial Services

Park National and Provident Financial Services are compared here to explore how their business models, financial performance, and market context differ. This page presents neutral, accessible information to help readers understand each company’s strategy, strengths, and position within the sector. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

PRK

Metric

PFS

$2.58B

Market Cap

$2.59B

7.19%

Potential Profit

9.01%

Hold

Analyst Rating

Buy

Investment Analysis

Park National

PRK

Pros

Consistent revenue growth of around 10.5% annually with reliable earnings growth of about 5.6% per year.
Trades below Discounted Cash Flow (DCF) fair value but with a premium P/E ratio, reflecting confidence in earnings quality.
Strong dividend yield near 2.46% with a sustainable payout supported by solid profitability and conservative management.

Considerations

Earnings growth trajectory is slower than the broader US market, potentially limiting upside for growth-seeking investors.
Market capitalization has declined by around 10-16% over the past year, indicating recent share price weakness.
Price/Earnings and other valuation multiples are above sector and peer averages, suggesting limited valuation upside.

Provident Financial Services

PFS

Pros

To provide a balanced answer for Provident Financial Services, current reliable financial data is limited from recent sources.
Historically, Provident has been recognized for stable community banking with a focus on customer service and regional presence.
Provident typically maintains a solid balance sheet with conservative credit exposure, supporting steady dividends.

Considerations

Recent data on Provident Financial Services' financial performance and stock valuation is not available to confirm current growth or risks.
Potential vulnerability to regional economic fluctuations due to concentration in specific geographic markets.
Possible challenges in scaling growth or competing with larger national banks in terms of technology and product diversity.

About The Companies

Park National (PRK)

Park National Corporation is a US-based financial holding company that primarily operates through its subsidiary, the Park National Bank. It focuses on providing a range of financial services, including commercial and consumer banking, as well as wealth management, trust, and investment services. The company has a distinct geographical focus, serving communities in Ohio, North Carolina, and South Carolina, including key metropolitan areas like Columbus and Charlotte. It delivers its services through a network of physical offices and ATMs, alongside digital platforms like online banking and a mobile app. For potential investors, Park National Corp represents a play on regional banking in the American Midwest and Southeast. As with any financial institution, its performance can be influenced by economic conditions, interest rate changes, and the regulatory environment. An investment's value can go down as well as up.

Provident Financial Services (PFS)

Provident Financial Services, Inc. (PFS) is a US-based regional bank holding company that provides commercial and consumer banking services through its subsidiary banks. Investors should know it focuses on community-oriented lending, deposit gathering and relationship banking across a defined geographic footprint. With a market capitalisation of roughly $2.44 billion, PFS is mid-sized among regional banks and may appeal to investors seeking exposure to local lending cycles, interest-rate sensitivity and fee income streams. Key considerations include loan portfolio composition, credit quality and deposit stability, along with regulatory capital ratios and sensitivity to interest-rate movements. The company’s earnings can benefit from rising net interest margins but can also be affected by economic slowdowns and credit stress. This summary is educational and not personal financial advice; investors should research financial statements, recent management commentary and risk factors and consider their risk tolerance before investing.

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Which Baskets Do They Appear In?

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Comparison Snapshot