PRK Stock Analysis: Park National | NYSE MKT
Banks - Regional | NYSE MKT, USA | Market Cap: 3.413m USD | 12M Return: 18.6% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 18.9M
EPS Trend: 97.9%
Qual. Beats: 1
Rev. Trend: 94.4%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 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 (NYSE MKT: PRK) is a Mid Cap regional bank holding company headquartered in Newark, Ohio, operating primarily through its subsidiary Park National Bank. Founded in 1908 and publicly traded since 1991, the company delivers commercial banking and trust services concentrated in small and medium population markets across the United States. Its deposit franchise spans demand, savings, and time accounts, complemented by trust and wealth management, cash management, safe deposit, electronic funds transfers, Internet and mobile banking with bill pay, credit cards, and other ancillary banking services.
On the lending side, Park National offers a diversified loan portfolio covering commercial loans (including industrial, commercial real estate, equipment, inventory/accounts receivable financing, acquisition financing, and commercial leasing), commercial real estate mortgage loans to developers and owners, financing leases for commercial and municipal vehicles and equipment, consumer loans (auto, RV, watercraft), home equity lines of credit, residential real estate and construction loans, and installment lending. The company also provides aircraft financing and the ParkDirect personal banking application. As a GICS-classified Regional Bank, Park National operates within a business model centered on community-oriented relationship banking, where revenue is primarily generated through the net interest margin between loan yields and deposit costs, supplemented by fee income from wealth management and ancillary services.
- Net interest margin compresses as Fed cuts rates
- Commercial loan demand softens across Ohio markets
- Wealth management fees offset rising deposit costs
| Net Income: 190.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.34 > 1.0 |
| NWC/Revenue: 215.4% < 20% (prev -1.05k%; Δ 1.26k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 191.3m > Net Income 190.2m |
| Net Debt (-1.40b) to EBITDA (274.2m): -5.10 < 3 |
| Current Ratio: 17.98 > 1.5 & < 3 |
| Outstanding Shares: last quarter (17.8m) vs 12m ago 9.89% < -2% |
| Gross Margin: 81.48% > 18% (prev 80.19%; Δ 1.29% > 0.5%) |
| Asset Turnover: 5.85% > 50% (prev 6.65%; Δ -0.80% > 0%) |
| Interest Coverage Ratio: 2.35 > 6 (EBIT TTM 268.8m / Interest Expense TTM 114.4m) |
| A: 0.11 (Total Current Assets 1.52b - Total Current Liabilities 84.3m) / Total Assets 12.8b |
| B: 0.09 (Retained Earnings 1.12b / Total Assets 12.8b) |
| C: 0.02 (EBIT TTM 268.8m / Avg Total Assets 11.4b) |
| D: 0.16 (Book Value of Equity 1.72b / Total Liabilities 11.1b) |
| Altman-Z'' = 1.34 = BB |
As of July 28, 2026, the stock is trading at USD 189.35 with a total of 69,532 shares traded. Over the past week, the price has changed by +1.06%, over one month by +4.03%, over three months by +10.40% and over the past year by +18.64%.
Current recommended Stop Loss: 184.00 (which is 2.8% or 1.2 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 | 184.3 | -2.7% |
P/E Trailing = 17.3009
P/E Forward = 23.6967
P/S = 5.9538
P/B = 2.0077
P/EG = 3.4682
Revenue TTM = 664.9m USD
EBIT TTM = 268.8m USD
EBITDA TTM = 274.2m USD
Long Term Debt = 15.0m USD (from longTermDebt, two quarters ago)
Short Term Debt = 84.3m USD (from shortTermDebt, last fiscal year)
Debt = 117.7m USD (from shortLongTermDebtTotal, last fiscal year) + Leases 18.9m
Net Debt = -1.40b USD (calculated: Debt 117.7m - CCE 1.52b)
Enterprise Value = 2.01b USD (3.41b + Debt 117.7m - CCE 1.52b)
Interest Coverage Ratio = 2.35 (Ebit TTM 268.8m / Interest Expense TTM 114.4m)
EV/FCF = 11.08x (Enterprise Value 2.01b / FCF TTM 181.8m)
FCF Yield = 9.02% (FCF TTM 181.8m / Enterprise Value 2.01b)
FCF Margin = 27.34% (FCF TTM 181.8m / Revenue TTM 664.9m)
Net Margin = 28.61% (Net Income TTM 190.2m / Revenue TTM 664.9m)
Gross Margin = 81.48% ((Revenue TTM 664.9m - Cost of Revenue TTM 123.1m) / Revenue TTM)
Gross Margin QoQ = 77.15% (prev 83.20%)
Tobins Q-Ratio = 0.16 (Enterprise Value 2.01b / Total Assets 12.8b)
Interest Expense / Debt = 97.21% (Interest Expense 114.4m / Debt 117.7m)
Taxrate = 19.16% (45.1m / 235.3m)
NOPAT = 217.3m (EBIT 268.8m * (1 - 19.16%))
Current Ratio = 17.98 (Total Current Assets 1.52b / Total Current Liabilities 84.3m)
Debt / Equity = 0.07 (Debt 117.7m / totalStockholderEquity, last quarter 1.72b)
Debt / EBITDA = -5.10 (Net Debt -1.40b / EBITDA 274.2m)
Debt / FCF = -7.69 (Net Debt -1.40b / FCF TTM 181.8m)
Total Stockholder Equity = 1.53b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.67% (Net Income 190.2m / Total Assets 12.8b)
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 = 1.70% (NOPAT 217.3m / Invested Capital 12.8b)
WACC = 8.56% (E(3.41b)/V(3.53b) * Re(8.86%) + (debt cost/tax rate unavailable))
Discount Rate = 8.86% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 68.74 | Cagr: 4.35%
[DCF] Terminal Value 75.18% ; FCFF base≈179.1m ; Y1≈185.5m ; Y5≈208.9m
[DCF] Fair Price = 249.3 (EV 3.11b - Net Debt -1.40b = Equity 4.51b / Shares 18.1m; r=8.56% [WACC]; 5y FCF grow 3.74% → 2.50% )
EPS Correlation: 97.90 | EPS CAGR: 15.62% | SUE: 2.25 | # QB: 1
Revenue Correlation: 94.41 | Revenue CAGR: 7.84% | SUE: -0.70 | # QB: 0
EPS current Quarter (2026-06-30): EPS=2.96 | Chg30d=-0.84% | Revisions=+50% | Analysts=4
EPS next Quarter (2026-09-30): EPS=3.17 | Chg30d=-0.05% | Revisions=+17% | Analysts=4
EPS current Year (2026-12-31): EPS=12.40 | Chg30d=-0.23% | Revisions=+50% | GrowthEPS=+10.1% | GrowthRev=+20.9%
EPS next Year (2027-12-31): EPS=12.71 | Chg30d=-0.55% | Revisions=+50% | GrowthEPS=+2.5% | GrowthRev=+3.3%
[Analyst] Revisions Ratio: +67% (up=11, down=1)