PRK Stock Analysis: Park National | AMEX
Banks - Regional | AMEX, USA | Market Cap: 3.256m USD | 12M Return: 13.4% | US7006581075 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 20.3M
EPS Trend: 98.2%
Qual. Beats: 2
Rev. Trend: 78.6%
Qual. Beats: -1
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Park National Corporation (AMEX: PRK) is a bank holding company headquartered in Newark, Ohio, that operates through its principal subsidiary, Park National Bank. Founded in 1908, the company delivers commercial banking and trust services primarily in small and medium-sized communities across the United States.
The company offers a comprehensive suite of banking products, including demand, savings, and time deposits; trust and wealth management; cash management; safe deposit operations; electronic funds transfers; internet and mobile banking with bill pay; and credit cards. Its lending portfolio spans commercial loans (for industrial and commercial properties, equipment, inventory, accounts receivable, acquisitions, and commercial leasing), commercial real estate loans, consumer loans (automobile, recreational vehicle, watercraft, and home equity), residential real estate and construction loans, installment loans, and specialized financing such as aircraft financing and commercial vehicle/equipment leases. The company also provides a personal banking application called ParkDirect.
As a regional bank under the GICS Financials classification, Park National operates a community-oriented banking model that relies on localized deposit gathering and relationship-based lending. Trust and wealth management services are a notable feature of its revenue mix, complementing traditional interest-earning activities. With a mid-cap market capitalization of approximately $3.3 billion, the company has been publicly traded since its 1991 IPO.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan portfolio faces credit headwinds
- Trust and wealth management fees provide revenue diversification
| Net Income: 190.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.30 > 1.0 |
| NWC/Revenue: -6.21% < 20% (prev -1.05k%; Δ 1.04k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 198.8m > Net Income 190.2m |
| Net Debt (30.0m) to EBITDA (274.2m): 0.11 < 3 |
| Current Ratio: 0.73 > 1.5 & < 3 |
| Outstanding Shares: last quarter (17.8m) vs 12m ago 9.89% < -2% |
| Gross Margin: 79.73% > 18% (prev 80.19%; Δ -0.47% > 0.5%) |
| Asset Turnover: 5.37% > 50% (prev 6.65%; Δ -1.28% > 0%) |
| Interest Coverage Ratio: 2.35 > 6 (EBIT TTM 268.8m / Interest Expense TTM 114.4m) |
| A: -0.00 (Total Current Assets 99.7m - Total Current Liabilities 137.4m) / Total Assets 12.7b |
| B: 0.09 (Retained Earnings 1.12b / Total Assets 12.7b) |
| C: 0.02 (EBIT TTM 268.8m / Avg Total Assets 11.3b) |
| D: 0.16 (Book Value of Equity 1.72b / Total Liabilities 10.9b) |
| Altman-Z'' = 0.59 = B |
| DSRI: 0.75 (Receivables 44.8m/65.0m, Revenue 607.2m/661.6m) |
| GMI: 1.01 (GM 80.19% / 79.73%) |
| AQI: 1.16 (AQ_t 0.98 / AQ_t-1 0.85) |
| SGI: 0.92 (Revenue 607.2m / 661.6m) |
| TATA: -0.00 (NI 190.2m - CFO 198.8m) / TA 12.7b) |
| Beneish M = -3.19 (Cap -4..+1) = AA |
As of September 27, 2026, the stock is trading at USD 181.68 with a total of 92,718 shares traded. Over the past week, the price has changed by -0.92%, over one month by -9.11%, over three months by +0.58% and over the past year by +13.35%.
Current recommended Stop Loss: 175.40 (which is 3.5% or 1.5 ATR below the current price).
Park National has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold PRK.
- StrongBuy: 0
- Buy: 0
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 211.3 | 16.3% |
P/E Trailing = 16.0222
P/E Forward = 23.6967
P/S = 5.3495
P/B = 1.9006
P/EG = 3.4682
Revenue TTM = 607.2m USD
EBIT TTM = 268.8m USD
EBITDA TTM = 274.2m USD
Long Term Debt = 15.0m USD (from longTermDebt, last quarter)
Short Term Debt = 124.0m USD (from shortTermDebt, last quarter)
Debt = 174.5m USD (from shortLongTermDebtTotal, last quarter) + Leases 18.5m
Net Debt = 30.0m USD (calculated: Debt 174.5m - CCE 144.5m)
Enterprise Value = 3.29b USD (3.26b + Debt 174.5m - CCE 144.5m)
Interest Coverage Ratio = 2.35 (Ebit TTM 268.8m / Interest Expense TTM 114.4m)
EV/FCF = 17.87x (Enterprise Value 3.29b / FCF TTM 183.9m)
FCF Yield = 5.60% (FCF TTM 183.9m / Enterprise Value 3.29b)
FCF Margin = 30.28% (FCF TTM 183.9m / Revenue TTM 607.2m)
Net Margin = 31.33% (Net Income TTM 190.2m / Revenue TTM 607.2m)
Gross Margin = 79.73% ((Revenue TTM 607.2m - Cost of Revenue TTM 123.1m) / Revenue TTM)
Gross Margin QoQ = 60.88% (prev 83.20%)
Tobins Q-Ratio = 0.26 (Enterprise Value 3.29b / Total Assets 12.7b)
Interest Expense / Debt = 65.56% (Interest Expense 114.4m / Debt 174.5m)
Taxrate = 19.16% (45.1m / 235.3m)
NOPAT = 217.3m (EBIT 268.8m * (1 - 19.16%))
Current Ratio = 0.73 (Total Current Assets 99.7m / Total Current Liabilities 137.4m)
Debt / Equity = 0.10 (Debt 174.5m / totalStockholderEquity, last quarter 1.72b)
Debt / EBITDA = 0.11 (Net Debt 30.0m / EBITDA 274.2m)
Debt / FCF = 0.16 (Net Debt 30.0m / FCF TTM 183.9m)
Total Stockholder Equity = 1.53b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.68% (Net Income 190.2m / Total Assets 12.7b)
RoE = 12.46% (Net Income TTM 190.2m / Total Stockholder Equity 1.53b)
RoCE = 17.44% (EBIT 268.8m / Capital Employed (Equity 1.53b + L.T.Debt 15.0m))
RoIC = 1.72% (NOPAT 217.3m / Invested Capital 12.6b)
WACC = 7.38% (E(3.26b)/V(3.43b) * Re(7.78%) + (debt cost/tax rate unavailable))
Discount Rate = 7.78% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 68.74 | Cagr: 4.35%
[DCF] Terminal Value 76.12% ; FCFF base≈180.2m ; Y1≈188.9m ; Y5≈218.3m
[DCF] Fair Price = 184.6 (EV 3.36b - Net Debt 30.0m = Equity 3.33b / Shares 18.1m; r=8.35% [WACC [floored]]; 5y FCF grow 5.34% → 2.50% )
EPS Correlation: 98.21 | EPS CAGR: 16.88% | SUE: 2.10 | # QB: 2
Revenue Correlation: 78.65 | Revenue CAGR: 6.34% | SUE: -2.05 | # QB: -1
EPS current Quarter (2026-09-30): EPS=3.30 | Chg30d=+5.24% | Revisions=+50% | Analysts=4
EPS current Year (2026-12-31): EPS=12.98 | Chg30d=+5.63% | Revisions=+50% | GrowthEPS=+15.3% | GrowthRev=+24.1%
EPS next Year (2027-12-31): EPS=13.23 | Chg30d=+4.57% | Revisions=+50% | GrowthEPS=+1.9% | GrowthRev=+2.6%
[Analyst] Revisions Ratio: +75% (up=9, down=0)