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Park National
(PRK)
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Rating:75Outperform
Price Target:
$201.00
â–²(0.56% Upside)
Action:Reiterated
Date:08/08/26
PRK scores well primarily due to strong financial positioning (low leverage and solid profitability) and supportive technical momentum (price above key moving averages with positive MACD). The score is moderated by recent TTM revenue and cash-flow weakening and a valuation (P/E ~18.5) that is not clearly cheap, while corporate events are a net positive given the accretive-scale acquisition and continued dividend commitment.
Positive Factors
Conservative balance sheet
Very low leverage reduces financial risk and gives Park National greater flexibility to absorb credit or earnings pressure. Combined with a solid 12.5% ROE, the balance sheet indicates the company is generating reasonable capital productivity without depending heavily on borrowing.
Negative Factors
Recent earnings slowdown
The latest trailing period shows weaker revenue and operating profit, indicating pressure on spread or fee income and potentially higher operating costs. If this slowdown persists, it could offset the benefits of longer-term growth and make future earnings expansion less predictable.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Very low leverage reduces financial risk and gives Park National greater flexibility to absorb credit or earnings pressure. Combined with a solid 12.5% ROE, the balance sheet indicates the company is generating reasonable capital productivity without depending heavily on borrowing.
Read all positive factors
Park National (PRK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$3.31B
Dividend Yield3.07%
Average Volume (3M)96.46K
Price to Earnings (P/E)16.3
Beta (1Y)0.69
Revenue Growth14.45%
EPS Growth8.54%
CountryUS
Employees1,693
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)11.25
Shares Outstanding18,064,161
10 Day Avg. Volume80,864
30 Day Avg. Volume96,464
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 Cap1.01
Enterprise Value/Revenue5.50
Enterprise Value/Gross Profit6.90
Enterprise Value/Ebitda27.38
Forecast
1Y Price Target
$204.00Price Target Upside2.06% Upside
Rating ConsensusHold
Number of Analyst Covering3
EPS Forecast (FY)13
Revenue Forecast (FY)$691.11M
Park National Business Overview & Revenue Model
Company Description
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,...
How the Company Makes Money
Park National makes money primarily through traditional banking income streams. (1) Net interest income: The largest driver is the spread between interest earned on interest-earning assets (e.g., commercial loans, residential real estate loans, co...
Park National Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
86
Very Positive
Cash Flow
62
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 607.25M | 664.42M | 645.55M | 564.30M | 514.18M | 475.80M |
| Gross Profit | 484.13M | 545.70M | 506.06M | 462.84M | 478.44M | 471.75M |
| EBITDA | 122.03M | 232.51M | 196.92M | 167.62M | 194.28M | 201.50M |
| Net Income | 190.24M | 180.07M | 151.42M | 126.73M | 148.35M | 153.94M |
Balance Sheet | ||||||
| Total Assets | 12.68B | 9.81B | 9.81B | 9.84B | 9.85B | 9.56B |
| Cash, Cash Equivalents and Short-Term Investments | 144.49M | 137.24M | 1.16B | 1.55B | 1.92B | 1.97B |
| Total Debt | 155.94M | 98.77M | 296.59M | 425.75M | 435.30M | 441.33M |
| Total Liabilities | 10.95B | 8.45B | 8.56B | 8.69B | 8.79B | 8.45B |
| Stockholders Equity | 1.72B | 1.35B | 1.24B | 1.15B | 1.07B | 1.11B |
Cash Flow | ||||||
| Free Cash Flow | 183.90M | 191.95M | 169.66M | 142.91M | 126.92M | 143.24M |
| Operating Cash Flow | 198.83M | 198.32M | 178.85M | 150.50M | 134.86M | 157.33M |
| Investing Cash Flow | 375.93M | 86.16M | -19.15M | 64.16M | -403.70M | -412.14M |
| Financing Cash Flow | -187.57M | -211.53M | -217.40M | -186.12M | 239.38M | 103.52M |
Park National Technical Analysis
Neutral
199.89
Price Trends
187.05
Negative
187.09
Negative
175.97
Positive
Market Momentum
-1.31
Negative
53.52
Neutral
83.57
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PRK, the sentiment is Neutral. The current price of 199.89 is above the 20-day moving average (MA) of 179.16, above the 50-day MA of 187.05, and above the 200-day MA of 175.97, indicating a neutral trend. The MACD of -1.31 indicates Negative momentum. The RSI at 53.52 is Neutral, neither overbought nor oversold. The STOCH value of 83.57 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for PRK.
Park National Risk Analysis
Park National disclosed 34 risk factors in its most recent earnings report. Park National reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Park National Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $3.43B | 11.37 | 10.07% | 3.09% | 11.65% | 13.28% | |
75 Outperform | $3.31B | 16.27 | 12.46% | 3.07% | 14.45% | 8.54% | |
74 Outperform | $3.75B | 10.97 | 8.88% | 3.89% | 16.54% | 77.61% | |
73 Outperform | $2.13B | 12.87 | 10.83% | 2.61% | 4.87% | 25.01% | |
69 Neutral | $2.53B | 12.56 | 7.54% | 3.59% | 7.98% | -19.37% | |
68 Neutral | $1.37B | 11.14 | 10.02% | 4.35% | -0.40% | 18.38% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
PRK
Park National
182.99
30.90
20.32%
FCF
First Commonwealth
21.10
5.27
33.31%
FFBC
First Financial Bancorp
32.64
9.44
40.70%
FRME
First Merchants
40.68
5.27
14.88%
PEBO
Peoples Bancorp
38.20
10.06
35.77%
WSBC
WesBanco
39.05
9.36
31.51%
Park National Corporate Events
Business Operations and StrategyRegulatory Filings and Compliance
Park National Updates Investor Presentation Under Regulation FD
Neutral
Aug 7, 2026
Park National Corporation has furnished an updated investor presentation for use with analysts and investors on or after August 7, 2026, making the slide deck available via a current report filing and on its corporate website. The filing also clar...
Business Operations and StrategyDividendsFinancial DisclosuresM&A Transactions
Park National declares quarterly dividend amid profit growth
Positive
Jul 27, 2026
On February 1, 2026, Park National completed the merger of First Citizens Bancshares, Inc. and its subsidiary First Citizens National Bank into Park and The Park National Bank, respectively, creating a Tennessee region and adding $2.6 billion in a...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.