Park National (PRK) AI Stock Analysis

• Market Cap: $2.48B
• Dividend Yield: 2.99%
• Average Volume (3M): 57.46K
• Price to Earnings (P/E): 14.2
• Beta (1Y): 0.91
• Revenue Growth: 6.29%
• EPS Growth: 28.28%
• Country: US
• Employees: 1,620
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 2.87
• Shares Outstanding: 16,078,262
• 10 Day Avg. Volume: 64,381
• 30 Day Avg. Volume: 57,464
• PEG Ratio: 0.93
• Price to Book (P/B): 2.23
• Price to Sales (P/S): 4.29
• P/FCF Ratio: 16.31
• Enterprise Value/Market Cap: 1.05
• Enterprise Value/Revenue: 4.55
• Enterprise Value/Gross Profit: 19.93
• Enterprise Value/Ebitda: 10.54
• 1Y Price Target: $178.00
• Price Target Upside: 13.94% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2
• EPS Forecast (FY): 11.24
• Revenue Forecast (FY): $554.60M

• Rating: 61 Neutral
• Price Target: $162.00 ▲(3.70% Upside)

The overall stock score of 61 reflects a mixed outlook for Park National. The most significant factor is the strong financial performance, particularly in profitability and balance sheet stability. However, technical analysis indicates bearish momentum, and cash flow challenges pose risks. The valuation is attractive, with a reasonable P/E ratio and a solid dividend yield, providing some support to the stock's appeal.

Park National Business Overview & Revenue Model

Company Description

Park National Corporation (PRK) is a bank holding company headquartered in Newark, Ohio, primarily engaged in providing a range of financial services through its subsidiaries. The company operates in the banking sector, offering products such as commercial and consumer loans, mortgages, and deposit accounts. Park National serves individual customers, businesses, and municipalities, focusing on personalized service and community involvement.

How the Company Makes Money

Park National generates revenue primarily through interest income from loans and fees associated with banking services. The main revenue streams include interest earned on various types of loans, such as commercial, residential, and consumer loans, as well as interest from investment securities. Additionally, the company earns non-interest income from service charges on deposit accounts, transaction fees, and wealth management services. Significant partnerships with local businesses and municipalities enhance its service offerings and customer base, contributing to its overall earnings. The bank's focus on community banking and personalized customer service also helps maintain a loyal clientele, which is crucial for sustaining its revenue growth.

Park National Financial Statement Overview

Summary

Park National demonstrates strong financial health with consistent profitability and a solid balance sheet. While revenue and profit margins are commendable, attention is needed on cash flow management due to recent declines in free cash flow growth. The company is well-positioned in the regional banking sector, with opportunities for growth and stability.

Income Statement

Park National shows strong profitability with a consistent gross profit margin above 80% and a net profit margin around 25%. Revenue growth is steady, though modest, with a recent TTM growth rate of 1.69%. EBIT and EBITDA margins are healthy, indicating efficient operations. Overall, the income statement reflects a stable and profitable business with room for growth.

Balance Sheet

The balance sheet is solid with a low debt-to-equity ratio of 0.23 in the TTM period, indicating prudent financial leverage. Return on equity is strong at 13.22%, reflecting efficient use of equity capital. The equity ratio is healthy, suggesting a stable financial structure. However, the increase in total debt over time warrants monitoring.

Cash Flow

Cash flow analysis reveals a mixed picture. Operating cash flow is robust, with a high coverage ratio of 1.89 in the TTM period. However, free cash flow growth has been negative recently, indicating potential challenges in cash generation. The free cash flow to net income ratio remains strong, suggesting good conversion of earnings to cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	572.33M	645.55M	564.30M	514.18M	475.80M	441.24M
Gross Profit	130.57M	506.06M	462.84M	478.44M	471.75M	441.24M
EBITDA	246.99M	196.92M	167.62M	194.28M	187.46M	165.17M
Net Income	176.06M	151.42M	126.73M	148.35M	153.94M	127.92M
Balance Sheet
Total Assets	10.24B	9.81B	9.84B	9.85B	9.56B	9.28B
Cash, Cash Equivalents and Short-Term Investments	1.10B	1.16B	1.55B	1.92B	1.97B	1.43B
Total Debt	78.13M	296.59M	425.75M	435.30M	441.33M	578.56M
Total Liabilities	8.53B	8.56B	8.69B	8.79B	8.45B	8.24B
Stockholders Equity	1.33B	1.24B	1.15B	1.07B	1.11B	1.04B
Cash Flow
Free Cash Flow	47.13M	169.66M	142.91M	126.92M	143.24M	83.01M
Operating Cash Flow	49.23M	179.15M	150.50M	134.86M	157.33M	111.65M
Investing Cash Flow	33.02M	-19.15M	64.16M	-403.70M	-412.14M	-455.90M
Financing Cash Flow	-214.97M	-217.40M	-186.12M	239.38M	103.52M	554.77M

Park National Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 156.22
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• 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 156.22 is below the 20-day moving average (MA) of 156.25, below the 50-day MA of 162.12, and below the 200-day MA of 161.01, indicating a bearish trend. The MACD of -2.08 indicates Negative momentum. The RSI at 48.02 is Neutral, neither overbought nor oversold. The STOCH value of 46.41 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	$2.58B	12.68	20.93%	4.28%	-8.43%	3.92%
BOH	71 Outperform	$2.57B	15.82	10.65%	4.38%	3.40%	23.04%
BANC	68 Neutral	$2.69B	16.60	5.99%	2.34%	20.61%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FBK	64 Neutral	$2.91B	25.30	5.85%	1.33%	10.80%	-6.22%
SBCF	62 Neutral	$2.66B	17.94	6.33%	2.29%	6.83%	23.44%
PRK	61 Neutral	$2.48B	14.20	13.69%	2.99%	6.29%	28.28%

Park National Corporate Events

Park National Corporation Reports Strong Q3 2025 Earnings

Park National Corporation, headquartered in Newark, Ohio, operates primarily in the banking sector through its subsidiary, The Park National Bank, and other financial services subsidiaries. The company reported strong financial results for the third quarter and first nine months of 2025, with significant increases in net income and earnings per share compared to the previous year. The board declared a quarterly cash dividend and a special one-time dividend, reflecting confidence in the company’s financial health.

Park National Announces Merger with First Citizens

On October 27, 2025, Park National Corporation entered into a merger agreement with First Citizens Bancshares, Inc., which will see First Citizens merge into Park, with Park continuing as the surviving corporation. The merger is expected to close in the first quarter of 2026, subject to regulatory approvals and shareholder consent. This strategic move is anticipated to enhance Park’s market positioning by integrating First Citizens’ banking operations. Additionally, Park reported a significant financial performance for the third quarter and first nine months of 2025, with net income increasing by 23.4% and 21.8% respectively, compared to the same periods in 2024. The company also declared a quarterly cash dividend and a special dividend, reflecting its strong financial health and commitment to delivering value to shareholders.

The most recent analyst rating on (PRK) stock is a Hold with a $173.00 price target. To see the full list of analyst forecasts on Park National stock, see the PRK Stock Forecast page.

Park National Corporation Reports Strong Q2 2025 Results

Park National Corporation, headquartered in Newark, Ohio, operates primarily in the banking sector through its subsidiary, The Park National Bank, and offers financial services including loans, deposits, and investment management.

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.