Park National (NYSE:PRK) vs. Pacific Valley Bancorp (OTCMKTS:PVBK) Head-To-Head Analysis

Pacific Valley Bancorp (OTCMKTS:PVBK) and Park National (NYSE:PRK) are both finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their institutional ownership, profitability, dividends, earnings, analyst recommendations, valuation and risk.

Valuation & Earnings

This table compares Pacific Valley Bancorp and Park National”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Pacific Valley Bancorp	$30.26 million	1.57	$4.42 million	$0.90	10.72
Park National	$520.61 million	4.73	$151.42 million	$9.31	16.35

Park National has higher revenue and earnings than Pacific Valley Bancorp. Pacific Valley Bancorp is trading at a lower price-to-earnings ratio than Park National, indicating that it is currently the more affordable of the two stocks.

Institutional and Insider Ownership

2.8% of Pacific Valley Bancorp shares are held by institutional investors. Comparatively, 62.7% of Park National shares are held by institutional investors. 2.7% of Park National shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Analyst Recommendations

This is a summary of recent recommendations for Pacific Valley Bancorp and Park National, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Pacific Valley Bancorp	0	0	0	0	0.00
Park National	0	2	0	0	2.00

Park National has a consensus target price of $181.75, indicating a potential upside of 19.38%. Given Park National’s stronger consensus rating and higher possible upside, analysts clearly believe Park National is more favorable than Pacific Valley Bancorp.

Risk and Volatility

Pacific Valley Bancorp has a beta of 0.33, indicating that its stock price is 67% less volatile than the S&P 500. Comparatively, Park National has a beta of 0.72, indicating that its stock price is 28% less volatile than the S&P 500.

Profitability

This table compares Pacific Valley Bancorp and Park National’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Pacific Valley Bancorp	14.62%	N/A	N/A
Park National	23.46%	12.31%	1.50%

Summary

Park National beats Pacific Valley Bancorp on 13 of the 13 factors compared between the two stocks.

About Pacific Valley Bancorp

Pacific Valley Bancorp operates as the bank holding company for Pacific Valley Bank that provides various banking products and services in the United States. The company offers personal and business banking, including checking accounts, savings and money market accounts, and certificates of deposit; and online solutions, such as online and mobile banking, bill pay, remote deposit capture, positive pay, e-statements, and order checks. It also provides commercial or agriculture lines of credit, commercial or agriculture terms loans, commercial constructions loans, agriculture production lending, and government guaranteed loan programs; and debit card, incoming wire instructions, ATM locator, fraud prevention, identity theft, and FDIC insurance estimator services. The company was founded in 2004 and is headquartered in Salinas, California.

About Park National

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. The company offers deposits for demand, savings, and time accounts; trust and wealth management services; cash management services; safe deposit operations; electronic funds transfers; Internet and mobile banking solutions with bill pay service; credit cards; and various additional banking-related services. It also provides commercial loans, including financing for industrial and commercial properties, financing for equipment, inventory and accounts receivable, acquisition financing, and commercial leasing, as well as for consumer finance companies; commercial real estate loans comprising mortgage loans to developers and owners of commercial real estate; originates financing leases primarily for the purchase of commercial vehicles, operating/manufacturing equipment, and municipal vehicles/equipment; consumer loans, such as automobile loans; consumer finance services; home equity lines of credit; and residential real estate and construction loans, as well as installment loans and commercial loans. In addition, the company offers aircraft financing services; and ParkDirect, a personal banking application. Park National Corporation was founded in 1908 and is headquartered in Newark, Ohio.