Park National (PRK) AI Stock Analysis

• Market Cap: $2.58B
• Dividend Yield: 2.96%
• Average Volume (3M): 77.38K
• Price to Earnings (P/E): 15.6
• Beta (1Y): 0.94
• Revenue Growth: 10.28%
• EPS Growth: 22.73%
• Country: US
• Employees: 1,620
• Sector: Financial
• Sector Strength: 67
• Industry: Banks - Regional
• EPS (TTM): 2.90
• Shares Outstanding: 16,071,346
• 10 Day Avg. Volume: 62,107
• 30 Day Avg. Volume: 77,382
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.11
• Enterprise Value/Revenue: 4.41
• Enterprise Value/Gross Profit: 5.56
• Enterprise Value/Ebitda: 13.95
• 1Y Price Target: $173.00
• Price Target Upside: 7.45% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2

• Rating: 72 Outperform
• Price Target: $178.00 ▲(10.56% Upside)

Park National's overall stock score is driven by its solid financial performance and positive corporate events. While bearish technical indicators present short-term risks, the company's stable valuation and attractive dividend yield bolster its investment appeal. Strategic leadership changes and strong financial disclosures further enhance confidence in its future prospects.

Park National Business Overview & Revenue Model

Company Description

Park National Corporation (PRK) is a bank holding company based in Newark, Ohio. It operates through its subsidiary, Park National Bank, providing a wide range of financial services primarily in Ohio and other regions in the United States. The company offers traditional banking services, including commercial and retail banking, trust and investment services, and mortgage banking. Park National is known for its community-focused approach, offering tailored financial solutions to meet the needs of individuals, businesses, and government entities.

How the Company Makes Money

Park National Corporation generates revenue primarily through interest income from loans and investments and non-interest income from service fees and other financial services. The bank collects interest from various loan products, including residential and commercial mortgages, personal loans, and credit lines. It also earns interest income from its investment portfolio, which includes securities and other financial instruments. Non-interest income is derived from service charges on deposit accounts, trust and investment management fees, and other banking-related services. The company's earnings are influenced by factors such as interest rate fluctuations, loan demand, and economic conditions in its operating regions. Additionally, Park National maintains partnerships with other financial institutions to enhance its service offerings and expand its market reach.

Park National Financial Statement Overview

Summary

Park National shows strong financial performance with consistent revenue growth and robust profit margins. The company maintains efficient cash flow management and a stable balance sheet with low leverage. However, slight declines in EBIT margins and ROE suggest areas for potential improvement.

Income Statement

Park National has demonstrated consistent revenue growth with a notable increase in TTM revenue by approximately 12.9% compared to the previous year. The gross profit margin remains robust at around 73.1% for TTM, signifying strong cost management. The EBIT margin for TTM is solid at 25.2%, although slightly lower than previous years, indicating stable operational efficiency. Net profit margin for TTM improved to 26.9%, reflecting enhanced profitability. Overall, the company shows strong financial performance with healthy profitability metrics, but slight declines in EBIT margin suggest potential pressures on operating income.

Balance Sheet

The company's balance sheet reflects a stable financial position with a debt-to-equity ratio of approximately 0.21 for TTM, indicating conservative leverage. The equity ratio is 12.9%, showing a sufficient equity buffer. However, the return on equity (ROE) for TTM is 12.4%, slightly lower than previous periods, suggesting moderate returns on shareholders' investments. Overall, the balance sheet demonstrates financial strength with low leverage, though there is room for improvement in ROE.

Cash Flow

Park National's cash flow analysis shows a slight reduction in operating cash flow for TTM but maintains a strong free cash flow of $98.98 million. The operating cash flow to net income ratio is 0.73, indicating healthy cash generation relative to earnings. The free cash flow to net income ratio is 0.62, suggesting ample free cash flow. Despite a decline in free cash flow growth compared to the previous year, the company efficiently manages its cash flow, supporting its strong liquidity position.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	645.55M	564.30M	514.18M	475.80M	453.29M
Gross Profit	506.06M	462.84M	478.44M	471.75M	453.29M
EBITDA	196.92M	167.62M	194.28M	187.46M	167.71M
Net Income	151.42M	126.73M	148.35M	153.94M	127.92M
Balance Sheet
Total Assets	9.81B	9.84B	9.85B	9.56B	9.28B
Cash, Cash Equivalents and Short-Term Investments	1.16B	1.55B	1.92B	1.97B	1.43B
Total Debt	206.16M	425.75M	435.30M	441.33M	578.56M
Total Liabilities	8.56B	8.69B	8.79B	8.45B	8.24B
Stockholders Equity	1.24B	1.15B	1.07B	1.11B	1.04B
Cash Flow
Free Cash Flow	169.66M	142.91M	126.92M	143.24M	83.01M
Operating Cash Flow	179.15M	150.50M	134.86M	157.33M	111.65M
Investing Cash Flow	-19.15M	64.16M	-403.70M	-412.14M	-455.90M
Financing Cash Flow	-217.40M	-186.12M	239.38M	103.52M	554.77M

Park National Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 161.00
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PRK, the sentiment is Negative. The current price of 161 is below the 20-day moving average (MA) of 165.93, below the 50-day MA of 166.00, and below the 200-day MA of 166.37, indicating a bearish trend. The MACD of -2.30 indicates Positive momentum. The RSI at 39.18 is Neutral, neither overbought nor oversold. The STOCH value of 32.93 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PRK.

Park National Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CVBF	73 Outperform	$2.62B	13.09	21.98%	4.24%	-5.14%	-0.94%
PRK	72 Outperform	$2.58B	15.63	13.49%	2.96%	10.28%	22.73%
INDB	72 Outperform	$3.18B	14.41	6.29%	3.64%	3.67%	-10.83%
BKU	70 Outperform	$2.71B	10.58	8.98%	3.33%	-2.81%	51.85%
TOWN	70 Outperform	$2.66B	15.34	8.07%	2.89%	8.35%	14.42%
SFNC	66 Neutral	$2.73B	14.87	4.57%	4.46%	-0.30%	6.05%
Sector *	65 Neutral	£5.11B	9.39	5.51%	4.90%	24.62%	-23.11%

Park National Corporate Events

Park National to Present Investor Insights August 2025

On or after August 4, 2025, Park National Corporation plans to present an investor presentation to analysts and investors, highlighting its financial performance and strategic initiatives. The presentation includes forward-looking statements and non-GAAP financial measures, providing insights into the company’s expectations and potential risks. Park National’s strong profitability, market share, and capital base position it well in the financial services industry, with a focus on maintaining high-quality funding and credit standards.

The most recent analyst rating on (PRK) stock is a Hold with a $178.00 price target. To see the full list of analyst forecasts on Park National stock, see the PRK Stock Forecast page.

Park National Appoints Matthew R. Miller as CEO

On July 28, 2025, Park National Corporation’s Board of Directors elected Matthew R. Miller as the new Chief Executive Officer, effective January 1, 2026, succeeding David L. Trautman, who will continue as Board Chair. This leadership transition is part of Park’s succession planning, ensuring governance continuity and reflecting the board’s confidence in Miller’s strategic capabilities and dedication to community service, which have been pivotal in Park’s growth and service delivery.

The most recent analyst rating on (PRK) stock is a Hold with a $178.00 price target. To see the full list of analyst forecasts on Park National stock, see the PRK Stock Forecast page.

Park National Reports Strong Q2 2025 Financial Results

Park National Corporation reported a significant increase in net income for the second quarter and first half of 2025, with a 22.2% rise in quarterly net income and a 21.1% increase for the first half compared to the same periods in 2024. This growth was driven by disciplined expense control, margin expansion, and solid loan and deposit growth, reflecting the company’s strong financial performance and strategic execution. The board declared a quarterly cash dividend of $1.07 per common share, payable in September 2025, highlighting the company’s commitment to delivering long-term value to shareholders.

The most recent analyst rating on (PRK) stock is a Hold with a $178.00 price target. To see the full list of analyst forecasts on Park National stock, see the PRK Stock Forecast page.

Park National to Redeem $175M Subordinated Notes

On July 11, 2025, Park National Corporation announced its decision to redeem all of its $175 million outstanding 4.50% Fixed-to-Floating Rate Subordinated Notes due 2030 on September 1, 2025. This move reflects the company’s strategic financial management and could impact its financial operations and market positioning, while stakeholders are advised to refer to the official notice for details.

The most recent analyst rating on (PRK) stock is a Hold with a $170.00 price target. To see the full list of analyst forecasts on Park National stock, see the PRK Stock Forecast page.

Park National Releases Investor Presentation on May 19

On May 19, 2025, Park National Corporation released an investor presentation to analysts and investors, highlighting its financial performance and strategic initiatives. The presentation included forward-looking statements about the company’s future financial performance, emphasizing the risks and uncertainties that could impact results. Park National’s diversified loan portfolio and strong deposit base support its stable operating results, while recent geographic expansions present opportunities for growth. The company also provided non-GAAP financial measures to offer additional insights into its performance.

The most recent analyst rating on (PRK) stock is a Hold with a $178.00 price target. To see the full list of analyst forecasts on Park National stock, see the PRK Stock Forecast page.