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Park National Corp. (PRK)
:PRK
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Park National (PRK) AI Stock Analysis

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PRK

Park National

(NYSE MKT:PRK)

Rating:76Outperform
Price Target:
$189.00
â–²(10.03% Upside)
Park National's overall stock score is driven by its strong financial performance and positive corporate events, including robust net income growth and strategic leadership changes. While technical analysis shows mixed signals, the stock's fair valuation and attractive dividend yield enhance its investment appeal.

Park National (PRK) vs. SPDR S&P 500 ETF (SPY)

Park National Business Overview & Revenue Model

Company DescriptionPark National Corporation operates as the bank holding company for Park National Bank that provides commercial banking and trust services in small and medium population areas. The company offers deposits for demand, savings, and time accounts; trust and wealth management services; cash management services; safe deposit operations; electronic funds transfers; Internet and mobile banking solutions with bill pay service; credit cards; and various additional banking-related services for individual customers. It also provides commercial loans, including financing for industrial and commercial properties, financing for equipment, inventory and accounts receivable, acquisition financing, and commercial leasing, as well as for consumer finance companies; commercial real estate loans comprising mortgage loans to developers and owners of commercial real estate; consumer loans, such as automobile loans and leases; consumer finance services; home equity lines of credit; and residential real estate and construction loans, as well as installment loans and commercial loans. In addition, the company offers aircraft financing and asset management services. As of December 31, 2021, it operated 96 financial service offices and a network of 116 automated teller machines in 26 Ohio counties, 1 Kentucky county, 3 North Carolina counties, and 4 South Carolina counties. The company was founded in 1908 and is headquartered in Newark, Ohio.
How the Company Makes MoneyPark 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 exhibits solid financial health with strong profitability, efficient cash flow management, and a stable balance sheet. Revenue and net income growth trends are positive, although slight declines in EBIT margins and ROE suggest areas for improvement. The company's conservative leverage and robust equity position provide a strong foundation for continued financial stability and potential growth.
Income Statement
85
Very Positive
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
78
Positive
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
80
Positive
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue650.66M645.55M564.30M514.18M475.80M453.29M
Gross Profit515.79M506.06M462.84M478.44M471.75M453.29M
EBITDA205.50M196.92M167.62M194.28M187.46M167.71M
Net Income158.37M151.42M126.73M148.35M153.94M127.92M
Balance Sheet
Total Assets9.89B9.81B9.84B9.85B9.56B9.28B
Cash, Cash Equivalents and Short-Term Investments938.24M1.16B1.55B1.92B1.97B1.43B
Total Debt288.42M206.16M425.75M435.30M441.33M578.56M
Total Liabilities8.61B8.56B8.69B8.79B8.45B8.24B
Stockholders Equity1.28B1.24B1.15B1.07B1.11B1.04B
Cash Flow
Free Cash Flow135.77M169.66M142.91M126.92M143.24M83.01M
Operating Cash Flow181.70M179.15M150.50M134.86M157.33M111.65M
Investing Cash Flow-40.21M-19.15M64.16M-403.70M-412.14M-455.90M
Financing Cash Flow-209.96M-217.40M-186.12M239.38M103.52M554.77M

Park National Technical Analysis

Technical Analysis Sentiment
Positive
Last Price171.77
Price Trends
50DMA
167.60
Positive
100DMA
161.84
Positive
200DMA
165.08
Positive
Market Momentum
MACD
2.19
Negative
RSI
57.83
Neutral
STOCH
81.93
Negative
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 171.77 is above the 20-day moving average (MA) of 166.74, above the 50-day MA of 167.60, and above the 200-day MA of 165.08, indicating a bullish trend. The MACD of 2.19 indicates Negative momentum. The RSI at 57.83 is Neutral, neither overbought nor oversold. The STOCH value of 81.93 is Negative, 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 33 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
78
Outperform
$3.56B16.146.29%3.24%3.67%-10.83%
76
Outperform
$2.76B16.7013.49%2.78%10.28%22.73%
75
Outperform
$2.77B13.789.30%3.97%-5.14%-0.70%
72
Outperform
$2.95B11.518.98%3.06%-2.80%51.85%
71
Outperform
$3.01B16.384.57%4.07%-0.30%6.05%
70
Outperform
$2.76B15.918.07%2.78%8.34%14.44%
68
Neutral
$17.93B11.8610.28%3.71%9.75%1.60%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
PRK
Park National
171.77
6.19
3.74%
BKU
BankUnited
39.19
2.58
7.05%
CVBF
Cvb Financial
20.13
2.93
17.03%
INDB
Independent Bank
71.51
11.41
18.99%
SFNC
Simmons 1st Nat'l
20.78
0.47
2.31%
TOWN
TowneBank
36.69
3.28
9.82%

Park National Corporate Events

Business Operations and StrategyFinancial Disclosures
Park National to Present Investor Insights August 2025
Positive
Aug 4, 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.

Executive/Board Changes
Park National Appoints Matthew R. Miller as CEO
Positive
Jul 29, 2025

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.

DividendsFinancial Disclosures
Park National Reports Strong Q2 2025 Financial Results
Positive
Jul 28, 2025

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.

Private Placements and FinancingBusiness Operations and Strategy
Park National to Redeem $175M Subordinated Notes
Neutral
Jul 11, 2025

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.

Business Operations and StrategyFinancial Disclosures
Park National Releases Investor Presentation on May 19
Neutral
May 19, 2025

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.

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.Date of analysis: Aug 13, 2025