PAZ Stock Chart & Stats
€142.00
€0.00(0.00%)
At close: 4:00 PM EST
€142.00
€0.00(0.00%)
Day’s Range― - ―
52-Week Range€126.00 - €165.00
Previous CloseN/A
Volume0.00
Average Volume (3M)6.00
Market Cap
€2.99B
Enterprise Value€2.87K
Total Cash (Recent Filing)€152.34M
Total Debt (Recent Filing)€169.05M
Price to Earnings (P/E)16.9
Beta0.58
Next Earnings
Jul 27, 2026EPS Estimate
2.6Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)10.97
Shares Outstanding18,096,088
10 Day Avg. Volume0
30 Day Avg. Volume6
Financial Highlights & Ratios
PEG Ratio0.71
Price to Book (P/B)1.81
Price to Sales (P/S)3.68
P/FCF Ratio12.75
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€165.21Price Target Upside16.34% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)10.86
Revenue Forecast (FY)€590.00M
Bulls Say, Bears Say
Bulls Say
Scale From AcquisitionThe First Citizens deal raised consolidated assets to ~$13B and materially increased loans and deposits, giving Park broader geographic reach and a deeper deposit base. Greater scale improves funding stability, cross‑sell opportunities and diversified fee income, supporting durable revenue growth and competitive position.
Stronger Capital / Lower LeveragePark’s leverage has declined materially (D/E ~0.10 TTM) while equity has expanded, producing a conservative capital profile. This strengthens regulatory buffers, reduces funding risk and preserves capacity to lend, absorb losses, and maintain dividends through economic cycles—key for long‑term stability.
Sustained Revenue & ProfitabilityRevenue rose steadily from ~$476M (2021) to ~$664M (2025) while TTM net margins remain elevated (~25.8%), indicating durable core banking economics and effective cost controls. Consistent top‑line growth with healthy margins supports long‑term cash generation and reinvestment options.
Bears Say
Merger Costs & Reserve BuildThe acquisition produced meaningful one-time integration charges and an increase in loan loss allowances, which depress near-term earnings and signal a more conservative credit posture. Measurement‑period fair‑value marks and added reserves create earnings and capital variability during integration.
Margin Compression RiskAlthough profitability remains above peer levels, margins have contracted from earlier peaks, suggesting pressure from funding costs, competitive pricing or mix shifts. Persistent margin erosion would weaken long‑term earnings power and limit room for dividend or capital expansion.
Cash Flow VariabilityFree cash flow turned negative year-over-year in the TTM period and operating cash conversion has shown wide swings historically. Inconsistent cash generation reduces predictability for dividends, organic investments or M&A funding and raises sensitivity to earnings shocks or higher capital demands.
Park National News
PAZ FAQ
What was Park National’s price range in the past 12 months?
Park National lowest stock price was €126.00 and its highest was €165.00 in the past 12 months.
What is Park National’s market cap?
Park National’s market cap is €2.99B.
When is Park National’s upcoming earnings report date?
Park National’s upcoming earnings report date is Jul 27, 2026 which is in 4 days.
How were Park National’s earnings last quarter?
Park National released its earnings results on Apr 17, 2026. The company reported €2.68 earnings per share for the quarter, beating the consensus estimate of €2.332 by €0.348.
Is Park National overvalued?
According to Wall Street analysts Park National’s price is currently Undervalued.
Does Park National pay dividends?
Park National does not currently pay dividends.
What is Park National’s EPS estimate?
Park National’s EPS estimate is 2.6.
How many shares outstanding does Park National have?
Park National has 18,096,088 shares outstanding.
What happened to Park National’s price movement after its last earnings report?
Park National reported an EPS of €2.68 in its last earnings report, beating expectations of €2.332. Following the earnings report the stock price went up 2.817%.
Which hedge fund is a major shareholder of Park National?
Currently, no hedge funds are holding shares in DE:PAZ
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Park National Stock Smart Score
Neutral
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10
Analyst Consensus
Hold
Average Price Target:
€165.21 (16.34% Upside)
€165.21 (16.34% Upside)
Blogger Sentiment
Neutral
DE:PAZ Sentiment 50%
Sector Average 60%
Sector Average 60%
Technicals
SMA
Positive
20 days / 200 days
Momentum
13.85%
12-Months-Change
Fundamentals
Return on Equity
2.95%
Trailing 12-Months
Asset Growth
31.33%
Trailing 12-Months
Company Description
Park National
Park National Corporation serves as the holding company for Park National Bank, delivering diverse commercial banking and trust services, largely targeting communities within small and medium-sized population centers. For its individual clientele, the bank offers a variety of deposit accounts, such as checking, savings, and time deposits. It also provides wealth management and trust administration, cash management, secure safe deposit facilities, electronic funds transfer services, and advanced digital banking features, including online and mobile platforms with bill payment options, along with credit cards and numerous other personal banking conveniences. Additionally, the corporation extends commercial loans tailored for various business requirements, encompassing funding for industrial and commercial real estate, equipment purchases, inventory and accounts receivable financing, corporate acquisitions, and commercial leasing. Lending to consumer finance companies is also part of its portfolio. Its suite of services further includes commercial real estate loans, which provide mortgages for property developers and owners. A range of consumer lending products is also available, such as automobile loans and leases, general consumer finance, home equity lines of credit, and financing for residential real estate and construction projects, alongside installment loans. Beyond these, the company offers aircraft financing solutions and comprehensive asset management services. As of December 31, 2021, the company maintained a footprint of 96 financial service branches and 116 automated teller machines (ATMs) across 26 counties in Ohio, 1 county in Kentucky, 3 counties in North Carolina, and 4 counties in South Carolina. Established in 1908, the organization is headquartered in Newark, Ohio.
PAZ Stock 12 Month Forecast
Average Price Target
€165.21
▲(16.34% Upside)
Technical Analysis
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