Park National Corporation (PRK) AI Stock Analysis

Park National Corporation operates as a bank holding company for Park National Bank, serving smaller and medium-sized population areas from its headquarters in Newark, Ohio. The company offers deposit products including demand, savings, and time accounts, alongside trust, wealth management, cash management, and electronic funds transfer services. Its lending activities include commercial loans for industrial properties, equipment financing, commercial leasing, and commercial real estate mortgages. Park National Corporation also provides consumer loans such as automobile financing, residential real estate mortgages, home equity lines of credit, and installment loans, as well as aircraft financing and asset management.

Park National Corporation grew annual revenue from $475.8M in FY2021 to $664.4M in FY2025, achieving a 5-year revenue CAGR of 6.6%. Annual revenue increased 14.4% in FY2024 and 2.9% in FY2025, while net income expanded from $151.4M to $180.1M, lifting EPS from $9.13 to $11.27. Net margin improved from 23.5% in FY2024 to 27.1% in FY2025, alongside an operating margin increase to 33.3%. For the latest quarter ended June 30, 2026, quarterly revenue grew 25.7% year-over-year and quarterly earnings rose 8.8%. Over the trailing twelve months, revenue reached $608.7M with an operating margin of 46.6% and EPS of $11.19.

As of June 30, 2026, Park National Corporation held $144.5M in cash and short-term investments against total debt of $155.9M, resulting in net debt of $11.5M. Total assets stood at $12.68B and shareholders' equity was $1.72B, supported by a debt-to-equity ratio of 0.09 and a current ratio of 0.73. During FY2025, the bank generated $198.3M in operating cash flow and $191.9M in free cash flow, while spending $6.4M on capital expenditures, $20.1M on share buybacks, and $89.9M on dividends.

Park National Corporation traded at a trailing P/E of 16.0x and a forward P/E of 23.7x at a last close of $178.65, both above the median of its US-listed Financial Services peers of 12.1x and 10.8x, respectively. The company carried a market capitalization of $3.23B and a price-to-sales ratio of 5.3x, compared to the peer median price-to-sales ratio of 3.2x. Over the 1-year period, the stock gained 22.3%, outperforming the 16.8% return of the S&P 500 (SPY), though its 5-year return of 66.7% lagged SPY's 83.0% gain.

The company pays a quarterly dividend totaling an annualized $4.40 per share, yielding 2.46% with a payout ratio of 45.8%. Park National Corporation has paid dividends for 37 consecutive years, registering a 5-year annualized dividend growth rate of 5.3%. Its last ex-dividend date occurred on August 21, 2026.

Park National Corporation holds 3 Hold ratings among covering analysts, with 0 Buy and 0 Sell recommendations. The mean price target is $203.50, representing a 13.9% premium over the last close of $178.65. For the current fiscal year ending December 31, 2026, consensus estimates project revenue of $691.2M and EPS of $13.00, representing 15.4% earnings growth. The company beat EPS estimates in each of the last 4 quarters, with its next earnings date scheduled for October 26, 2026.

This page is an AI-written research summary of Park National Corporation (PRK). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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