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Park National
(NYSE MKT:PRK)
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Rating:76Outperform
Price Target:
$234.00
â–²(24.09% Upside)
Action:Reiterated
Date:07/29/26
The score is driven primarily by strong underlying financial performance (growth, profitability, and significantly improved leverage) and a clearly positive price trend above key moving averages. Valuation is reasonable but not especially discounted at a ~18.4 P/E, while corporate events are a net positive due to the accretive acquisition and ongoing dividend, tempered by integration and credit-cost/allowance increases tied to the deal.
Positive Factors
Accretive acquisition and scale expansion
The First Citizens merger materially increases scale, adding loans and deposits that diversify geographic footprint and funding. Expanded commercial lending and fee income broaden revenue sources and create economies of scale that should support earnings and franchise resilience over multiple years.
Negative Factors
Acquisition-related credit and expense pressures
Integration drove notable one-time and recurring costs plus elevated provisioning and a day-one allowance for acquired loans. These items can depress near-term earnings and may signal higher credit remediation needs or underwriting conservatism as the acquired portfolio is absorbed.
Read all positive and negative factors
Positive Factors
Negative Factors
Accretive acquisition and scale expansion
The First Citizens merger materially increases scale, adding loans and deposits that diversify geographic footprint and funding. Expanded commercial lending and fee income broaden revenue sources and create economies of scale that should support earnings and franchise resilience over multiple years.
Read all positive factors
Park National (PRK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$3.75B
Dividend Yield2.69%
Average Volume (3M)112.03K
Price to Earnings (P/E)18.5
Beta (1Y)0.85
Revenue Growth11.59%
EPS Growth8.54%
CountryUS
Employees1,694
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)10.97
Shares Outstanding18,096,088
10 Day Avg. Volume93,553
30 Day Avg. Volume112,032
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$211.00Price Target Upside11.89% Upside
Rating ConsensusHold
Number of Analyst Covering3
EPS Forecast (FY)12.86
Revenue Forecast (FY)$687.17M
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 activities conducted by its banking subsidiary. Its largest earnings driver is typically net interest income: it collects interest and fees on loans and interest-earning assets (e.g.,...
Park National Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
82
Very Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 694.98M | 664.42M | 645.55M | 564.30M | 514.18M | 475.80M |
| Gross Profit | 573.17M | 545.70M | 506.06M | 462.84M | 478.44M | 471.75M |
| EBITDA | 232.93M | 229.89M | 196.92M | 167.62M | 194.28M | 201.50M |
| Net Income | 179.60M | 180.07M | 151.42M | 126.73M | 148.35M | 153.94M |
Balance Sheet | ||||||
| Total Assets | 12.98B | 9.81B | 9.81B | 9.84B | 9.85B | 9.56B |
| Cash, Cash Equivalents and Short-Term Investments | 152.34M | 137.24M | 1.16B | 1.55B | 1.92B | 1.97B |
| Total Debt | 169.05M | 98.77M | 296.59M | 425.75M | 435.30M | 441.33M |
| Total Liabilities | 11.28B | 8.45B | 8.56B | 8.69B | 8.79B | 8.45B |
| Stockholders Equity | 1.70B | 1.35B | 1.24B | 1.15B | 1.07B | 1.11B |
Cash Flow | ||||||
| Free Cash Flow | 181.76M | 191.95M | 169.66M | 142.91M | 126.92M | 143.24M |
| Operating Cash Flow | 191.33M | 198.32M | 178.85M | 150.50M | 134.86M | 157.33M |
| Investing Cash Flow | 361.19M | 86.16M | -19.15M | 64.16M | -403.70M | -412.14M |
| Financing Cash Flow | 193.00M | -211.53M | -217.40M | -186.12M | 239.38M | 103.52M |
Park National Technical Analysis
Positive
188.58
Price Trends
181.77
Positive
173.70
Positive
166.03
Positive
Market Momentum
2.65
Positive
58.50
Neutral
42.46
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PRK, the sentiment is Positive. The current price of 188.58 is below the 20-day moving average (MA) of 190.70, above the 50-day MA of 181.77, and above the 200-day MA of 166.03, indicating a bullish trend. The MACD of 2.65 indicates Positive momentum. The RSI at 58.50 is Neutral, neither overbought nor oversold. The STOCH value of 42.46 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | $3.10B | 16.06 | 10.03% | 1.35% | 43.33% | 94.72% | |
76 Outperform | $3.75B | 18.50 | 12.46% | 2.96% | 11.59% | 8.54% | |
76 Outperform | $3.15B | 14.77 | 12.78% | 3.33% | 1.90% | 41.02% | |
74 Outperform | $4.00B | 14.91 | 8.22% | 3.51% | 8.42% | -0.88% | |
71 Outperform | $3.36B | 46.32 | 5.61% | 2.24% | 23.80% | -0.77% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
58 Neutral | $2.91B | -46.71 | -0.62% | 2.07% | -12.95% | -161.72% |
* Financial Sector Average
PRK
Park National
208.15
53.56
34.65%
BOH
Bank Of Hawaii
79.90
19.73
32.78%
CVBF
Cvb Financial
22.37
4.42
24.62%
BANC
Banc of California
19.15
5.11
36.44%
SBCF
Seacoast Banking Of Florida
34.74
7.35
26.85%
FBK
FB Financial
60.38
13.07
27.63%
Park National Corporate Events
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...
Business Operations and StrategyFinancial DisclosuresM&A Transactions
Park National highlights post-acquisition strength and profitability
Positive
May 22, 2026
On February 1, 2026, Park National Corporation completed its previously announced acquisition of First Citizens Bancshares, Inc., the Tennessee-based parent of First Citizens National Bank with $2.6 billion in assets, enhancing Park’s scale ...
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.