Park National Corp. (PRK)
:PRK
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Park National
(PRK)
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Rating:77Outperform
Price Target:
$196.00
▲(11.79% Upside)
Action:ReiteratedDate:04/29/26
The score is driven primarily by strong financial performance (improving profitability and a conservatively levered balance sheet), supported by a favorable technical uptrend. Valuation and dividend are reasonable, while cash-flow volatility and merger integration/costs modestly temper the outlook.
Positive Factors
Balance-sheet conservatism
Material de‑leveraging and rising equity in 2025 create a more conservative capital profile that increases resilience to credit shocks, supports regulatory ratios, and preserves capacity to fund loan growth, dividends, or absorb merger measurement adjustments over the medium term.
Negative Factors
Inconsistent cash generation
Volatile and sharply declining free cash flow in 2025 weakens the link between earnings and cash, limiting predictable internal funding for investments, dividends or integration costs. Persistent cash variability raises the risk of needing external funding or curtailing capital actions during stress periods.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance-sheet conservatism
Material de‑leveraging and rising equity in 2025 create a more conservative capital profile that increases resilience to credit shocks, supports regulatory ratios, and preserves capacity to fund loan growth, dividends, or absorb merger measurement adjustments over the medium term.
Read all positive factors
Park National (PRK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$3.04B
Dividend Yield2.96%
Average Volume (3M)104.54K
Price to Earnings (P/E)17.0
Beta (1Y)0.82
Revenue Growth6.83%
EPS Growth11.88%
CountryUS
Employees1,620
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.06
Shares Outstanding18,066,393
10 Day Avg. Volume86,183
30 Day Avg. Volume104,544
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 Cap1.00
Enterprise Value/Revenue4.58
Enterprise Value/Gross Profit5.57
Enterprise Value/Ebitda13.23
Forecast
1Y Price Target
$188.00Price Target Upside7.23% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)12.28
Revenue Forecast (FY)$671.40M
Park National Business Overview & Revenue Model
Company Description
Park 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; tru...
How the Company Makes Money
Park National primarily earns revenue through (1) net interest income and (2) noninterest income. Net interest income is generated from the spread between interest and fees earned on interest-earning assets (primarily loans to commercial and consu...
Park National Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
86
Very Positive
Cash Flow
58
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 664.42M | 645.55M | 564.30M | 514.18M | 475.80M |
| Gross Profit | 545.70M | 506.06M | 462.84M | 478.44M | 471.75M |
| EBITDA | 229.89M | 196.92M | 167.62M | 194.28M | 201.50M |
| Net Income | 180.07M | 151.42M | 126.73M | 148.35M | 153.94M |
Balance Sheet | |||||
| Total Assets | 9.81B | 9.81B | 9.84B | 9.85B | 9.56B |
| Cash, Cash Equivalents and Short-Term Investments | 137.24M | 1.16B | 1.55B | 1.92B | 1.97B |
| Total Debt | 98.77M | 296.59M | 425.75M | 435.30M | 441.33M |
| Total Liabilities | 8.45B | 8.56B | 8.69B | 8.79B | 8.45B |
| Stockholders Equity | 1.35B | 1.24B | 1.15B | 1.07B | 1.11B |
Cash Flow | |||||
| Free Cash Flow | 191.95M | 169.66M | 142.91M | 126.92M | 143.24M |
| Operating Cash Flow | 198.32M | 178.85M | 150.50M | 134.86M | 157.33M |
| Investing Cash Flow | 86.16M | -19.15M | 64.16M | -403.70M | -412.14M |
| Financing Cash Flow | -211.53M | -217.40M | -186.12M | 239.38M | 103.52M |
Park National Technical Analysis
Positive
175.33
Price Trends
166.03
Positive
162.47
Positive
161.38
Positive
Market Momentum
3.12
Negative
66.85
Neutral
70.58
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 175.33 is above the 20-day moving average (MA) of 165.71, above the 50-day MA of 166.03, and above the 200-day MA of 161.38, indicating a bullish trend. The MACD of 3.12 indicates Negative momentum. The RSI at 66.85 is Neutral, neither overbought nor oversold. The STOCH value of 70.58 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 | $3.07B | 12.79 | 12.12% | 3.99% | 3.35% | 39.56% | |
77 Outperform | $3.04B | 17.04 | 12.91% | 2.96% | 6.83% | 11.88% | |
75 Outperform | $3.56B | 13.08 | 9.16% | 4.00% | -2.88% | 5.22% | |
74 Outperform | $3.05B | ― | 5.83% | 2.25% | 18.20% | 3.44% | |
68 Neutral | $2.91B | 9.50 | 7.07% | 2.03% | 0.17% | 104.11% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $2.78B | 12.32 | 7.50% | 1.34% | 18.88% | -1.29% |
* Financial Sector Average
PRK
Park National
168.51
23.47
16.18%
BOH
Bank Of Hawaii
77.38
13.88
21.85%
CVBF
Cvb Financial
20.24
2.44
13.73%
BANC
Banc of California
18.28
5.14
39.13%
SBCF
Seacoast Banking Of Florida
31.28
8.16
35.27%
FBK
FB Financial
53.71
11.79
28.11%
Park National Corporate Events
Business Operations and StrategyExecutive/Board ChangesShareholder Meetings
Park National Shareholders Approve 2026 Long-Term Incentive Plans
Positive
Apr 28, 2026
At its virtual annual meeting on April 27, 2026, Park National Corporation shareholders approved new 2026 long-term incentive plans for both employees and non-employee directors, replacing the 2017 plans while allowing existing awards to remain ou...
Business Operations and StrategyFinancial DisclosuresM&A TransactionsShareholder Meetings
Park National Highlights Post-Merger Performance at Annual Meeting
Positive
Apr 27, 2026
Park National Corporation announced that Chairman David L. Trautman will deliver a presentation at the company’s virtual annual meeting of shareholders on April 27, 2026, highlighting the bank’s financial performance and strategic deve...
Business Operations and StrategyDividendsFinancial DisclosuresM&A Transactions
Park National Declares Dividend Following First Citizens Acquisition
Positive
Apr 24, 2026
On February 1, 2026, Park National completed its all‑stock acquisition of Tennessee‑based First Citizens Bancshares, folding First Citizens National Bank into The Park National Bank and creating a new Tennessee region with $2.6 billion...
Business Operations and StrategyFinancial DisclosuresM&A Transactions
Park National Completes First Citizens Bancshares Acquisition Expansion
Positive
Feb 9, 2026
Park National Corporation has released an investor presentation intended for use with analysts and investors on or after February 9, 2026, detailing its financial position and strategic developments. As of December 31, 2025, the company reported $...
Business Operations and StrategyExecutive/Board ChangesM&A Transactions
Park National completes all-stock merger with First Citizens
Positive
Feb 2, 2026
On February 1, 2026, Park National Corporation completed its all‑stock merger with First Citizens Bancshares, Inc., converting each First Citizens share into 0.52 of a Park common share and immediately consolidating First Citizens National B...
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.