PRK Stock Analysis: Park National | NYSE MKT
Banks - Regional | NYSE MKT, USA | Market Cap: 3.308m USD | 12M Return: 15.4% | US7006581075 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 18.8M
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 is a bank holding company that operates through Park National Bank, offering commercial banking and trust services focused on small and medium-sized communities across the United States. The company provides a full suite of deposit products (demand, savings, and time accounts), wealth management, cash management, electronic banking, and credit card services, alongside a diversified lending portfolio that includes commercial loans, commercial real estate loans, consumer loans (auto, RV, watercraft), residential mortgages, home equity lines, and specialty offerings such as aircraft financing and commercial leasing.
As a regional bank, Park National follows a community banking model that emphasizes relationship-based lending in smaller markets rather than competing in major metropolitan areas. Its loan book spans multiple asset classes-from commercial and industrial financing to consumer finance and specialty niches like aircraft and vehicle leasing-giving it a more diversified revenue mix than many single-product community banks.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan losses rise amid office sector stress
- Trust and wealth management fees grow on AUM expansion
| 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 October 06, 2026, the stock is trading at USD 181.02 with a total of 109,770 shares traded. Over the past week, the price has changed by -0.26%, over one month by -5.00%, over three months by -1.66% and over the past year by +15.35%.
Current recommended Stop Loss: 175.60 (which is 3% or 1.4 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 | 206 | 13.8% |
P/E Trailing = 16.3527
P/E Forward = 23.6967
P/S = 5.4355
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 = 3.34b USD (3.31b + Debt 174.5m - CCE 144.5m)
Interest Coverage Ratio = 2.35 (Ebit TTM 268.8m / Interest Expense TTM 114.4m)
EV/FCF = 18.15x (Enterprise Value 3.34b / FCF TTM 183.9m)
FCF Yield = 5.51% (FCF TTM 183.9m / Enterprise Value 3.34b)
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 3.34b / 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 = 7.37% (E(3.31b)/V(3.48b) * Re(7.76%) + (debt cost/tax rate unavailable))
Discount Rate = 7.76% (= 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=3.31 | Chg30d=+0.50% | Revisions=+50% | Analysts=5
EPS current Year (2026-12-31): EPS=13.00 | Chg30d=+0.10% | Revisions=+50% | GrowthEPS=+15.4% | GrowthRev=+24.1%
EPS next Year (2027-12-31): EPS=13.30 | Chg30d=+0.53% | Revisions=+50% | GrowthEPS=+2.3% | GrowthRev=+3.0%
[Analyst] Revisions Ratio: +75% (up=9, down=0)