Park National Corporation PRK R2K

Financial Services · Banks - Regional · United States

https://investor.parknationalcorp.com

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 in the United States. 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. 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; originates financing leases primarily for the purchase of commercial vehicles, operating/manufacturing equipment, and municipal vehicles/equipment; consumer loans, such as automobile, recreational vehicle, and watercraft loans; 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 services; and ParkDirect, a personal banking application. Park National Corporation was founded in 1908 and is headquartered in Newark, Ohio.

Market & Price

Market Cap

$3.10B

Current Price

$171.56

High / Low (52W)

$174.65 / $145.55

Beta

0.70

Valuation

Stock P/E

15.75

Industry PE

12.01

Forward P/E

13.42

PEG Ratio

3.47

Book Value

$93.93

Price to Book

1.83

P/S

5.42

EV/EBITDA

Dividend Yield

2.53%

Profitability & Returns

ROCE

ROE

12.05%

ROA

1.57%

Profit Margin

31.34%

Op Margin

44.95%

EPS (Latest Qtr)

$2.39

EPS (TTM)

$10.89

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$169.62M

Total Assets

$9.81B

Current Assets

Working Capital

Ownership

Promoter Holding

2.20%

Chg in Prom Hold

FII / Inst Holding

52.10%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$2.29B

Total Revenue (TTM)

$573.17M

EBITDA

Free Cash Flow

Operating Cash Flow

$191.50M

Shares Outstanding

18.10M

Gross Margin

0.00%

Payout Ratio

39.54%

Growth (CAGR)

Revenue 5Y

4.88%

Profit 5Y

6.67%

Revenue (YoY)

21.20%

Earnings (YoY)

-8.10%

PROS

Excellent profit margin of 31.3%.
Attractive dividend yield of 2.53%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	PRK Park National Corporation R2K	171.56	15.75	$3.10B	2.53%	-	12.05%	4.88%	6.67%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2014	Sep 2014	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	152.84M	157.70M	-	130.12M	141.18M	141.59M	144.30M	159.51M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	27.82M	27.50M	27.93M	23.97M	29.00M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	51.20M	59.35M	58.10M	52.67M	51.68M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	9.05M	11.23M	10.94M	10.04M	9.99M
Net Income	21.81M	18.27M	19.04M	21.04M	20.04M	18.69M	20.00M	27.45M	20.27M	19.03M	22.11M	31.12M	28.24M	24.76M	26.26M	25.45M	22.16M	31.15M	23.94M	22.37M	29.50M	30.85M	45.20M	42.83M	39.13M	35.43M	38.88M	34.32M	42.07M	33.73M	31.58M	36.92M	35.20M	39.37M	-	42.16M	48.12M	47.16M	42.64M	41.69M
Diluted EPS	1.42	1.19	1.23	1.37	1.30	1.21	1.30	1.78	1.31	1.24	1.44	2.02	1.83	1.56	1.67	1.62	1.33	1.89	1.45	1.36	1.80	1.88	2.75	2.61	2.38	2.16	2.38	2.10	2.57	2.07	1.94	2.28	2.17	2.42	-	2.60	2.97	2.92	2.63	2.39

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	482.99M	465.75M	520.61M	557.19M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	31.19M	98.56M	124.95M	107.23M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	180.46M	153.60M	184.72M	221.32M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	32.11M	26.87M	33.30M	41.25M
Net Income	13.71M	74.19M	58.10M	82.14M	78.63M	76.87M	83.96M	81.01M	86.14M	84.24M	110.39M	102.70M	127.92M	-	148.35M	126.73M	151.42M	180.07M
Diluted EPS	0.97	4.82	3.45	4.95	4.88	4.99	5.45	5.26	5.59	5.47	7.07	6.29	7.80	-	9.06	7.80	9.32	11.11

Compounded Sales Growth

5 Years:	4.88%
1 Year:	21.20%

Compounded Profit Growth

5 Years:	6.67%
1 Year:	-8.10%

Stock Price Performance

1 Year:	+9.25%
6 Months:	+10.17%
3 Months:	+4.96%
1 Month:	+2.48%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	7.04B	7.28B	6.97B	6.64B	6.64B	7.00B	7.31B	7.47B	7.54B	7.80B	8.56B	9.28B	-	9.85B	9.84B	9.81B	9.81B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	193.40M	171.26M	159.09M	133.78M	157.49M	201.31M	147.03M	237.70M	149.46M	146.45M	169.11M	167.21M	159.96M	370.47M	-	189.73M	218.27M	160.57M	233.51M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	34.70M	39.24M	36.28M	34.62M
Total Liabilities	-	-	6.32B	6.55B	6.23B	5.99B	5.99B	6.30B	6.60B	6.73B	6.78B	6.97B	7.59B	8.24B	-	8.79B	8.69B	8.56B	8.45B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	654.38M	636.73M	823.18M	781.66M	810.54M	786.60M	738.11M	694.28M	500.00M	400.00M	192.50M	32.50M	188.21M	188.67M	189.15M	189.65M	-
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	207.96M	425.75M	206.16M	17.06M
Total Equity	580.01M	642.66M	717.26M	729.71M	742.36M	650.37M	649.82M	696.54M	713.36M	742.24M	756.10M	832.51M	969.01M	1.04B	-	1.07B	1.15B	1.24B	1.35B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	17.62M	17.62M	17.62M	17.62M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	91.14M	72.34M	127.34M	123.54M	138.80M	121.29M	71.74M	89.23M	87.89M	86.69M	131.99M	111.63M	111.65M	-	136.64M	151.14M	178.85M	198.32M
Investing Cash Flow	-635.03M	-5.35M	-353.29M	274.41M	-228.35M	-112.64M	-229.58M	-395.47M	-152.56M	-60.67M	45.45M	60.08M	-455.90M	-	-405.47M	63.52M	-19.15M	86.16M
Financing Cash Flow	521.76M	-79.16M	200.63M	-374.24M	133.37M	-62.92M	248.51M	217.99M	61.66M	-3.35M	-179.34M	-178.96M	554.77M	-	239.38M	-186.12M	-217.40M	-211.53M
Capital Expenditure	-9.44M	-8.01M	-7.60M	-6.62M	-6.96M	-8.84M	-7.44M	-11.36M	-7.47M	-7.02M	-11.53M	-14.88M	-28.63M	-	-7.94M	-7.59M	-9.18M	-6.37M
Free Cash Flow	81.70M	64.33M	119.74M	116.92M	131.84M	112.45M	64.30M	77.87M	80.42M	79.67M	120.46M	96.74M	83.01M	-	128.71M	143.55M	169.66M	191.95M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-29.45M	28.54M	-57.70M	72.95M
Share Buybacks	-	-	-	-	-	-	-	-	-	7.38M	5.78M	40.53M	7.51M	16.05M	0	23.02M	0	20.13M

Ratios (Annual)

Figures in %.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	30.7%	27.2%	29.1%	32.3%
ROE %	2.1%	10.3%	8.0%	11.1%	12.1%	11.8%	12.1%	11.4%	11.6%	11.1%	13.3%	10.6%	12.3%	-	13.9%	11.1%	12.2%	13.3%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

2.20%

Institutions

52.10%

Public Float

53.28%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	13.39%	2.42M	$415.69M
2	Park National Corp /oh/	6.39%	1.16M	$198.32M
3	Vanguard Portfolio Management LLC	5.36%	969.33K	$166.30M
4	State Street Corporation	4.13%	747.16K	$128.18M
5	Vanguard Capital Management LLC	4.06%	734.39K	$125.99M
6	Dimensional Fund Advisors LP	2.86%	517.43K	$88.77M
7	Geode Capital Management, LLC	2.11%	381.65K	$65.48M
8	Charles Schwab Investment Management, Inc.	1.00%	180.53K	$30.97M
9	Northern Trust Corporation	0.86%	155.73K	$26.72M
10	Bank Of New York Mellon Corporation	0.64%	116.01K	$19.90M

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PRK · Financial Services