(PRK) Park National - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE MKT (USA) | Market Cap: 3.035m USD | Total Return: 8% in 12m
Avg Turnover: 13.5M
EPS Trend: 90.7%
Qual. Beats: 1
Rev. Trend: 97.8%
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
Confidence
Park National Corporation is a bank holding company. It operates Park National Bank, providing commercial banking and trust services.
The company offers a range of deposit products, wealth management, and cash management services. Regional banks typically focus on local markets and community engagement.
PRK provides diverse loan products, including commercial, commercial real estate, consumer, and residential loans. Commercial lending is a primary revenue driver for many financial institutions.
Additional services include aircraft financing and mobile banking. For further detailed analysis, consider exploring ValueRays comprehensive reports.
- Net interest income growth drives profitability
- Loan portfolio quality impacts credit loss provisions
- Regulatory changes influence compliance costs
- Economic conditions affect loan demand
- Deposit growth supports lending capacity
| Net Income: 179.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.37 > 1.0 |
| NWC/Revenue: 8.44% < 20% (prev -1.05k%; Δ 1.06k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 191.3m > Net Income 179.6m |
| Net Debt (35.6m) to EBITDA (232.9m): 0.15 < 3 |
| Current Ratio: 1.43 > 1.5 & < 3 |
| Outstanding Shares: last quarter (17.5m) vs 12m ago 7.50% < -2% |
| Gross Margin: 82.47% > 18% (prev 0.79%; Δ 8.17k% > 0.5%) |
| Asset Turnover: 6.08% > 50% (prev 6.58%; Δ -0.50% > 0%) |
| Interest Coverage Ratio: 2.05 > 6 (EBITDA TTM 232.9m / Interest Expense TTM 108.4m) |
| A: 0.00 (Total Current Assets 196.2m - Total Current Liabilities 137.5m) / Total Assets 13.0b |
| B: 0.08 (Retained Earnings 1.09b / Total Assets 13.0b) |
| C: 0.02 (EBIT TTM 221.8m / Avg Total Assets 11.4b) |
| D: 0.17 (Book Value of Equity 1.86b / Total Liabilities 11.3b) |
| Altman-Z'' = 0.61 = B |
| DSRI: 0.65 (Receivables 43.9m/63.6m, Revenue 695.0m/650.7m) |
| GMI: 0.96 (GM 82.47% / 79.27%) |
| AQI: 1.15 (AQ_t 0.98 / AQ_t-1 0.85) |
| SGI: 1.07 (Revenue 695.0m / 650.7m) |
| TATA: -0.00 (NI 179.6m - CFO 191.3m) / TA 13.0b) |
| Beneish M = -3.21 (Cap -4..+1) = AA |
As of May 24, 2026, the stock is trading at USD 169.05 with a total of 45,035 shares traded.
Over the past week, the price has changed by +3.50%,
over one month by -0.24%,
over three months by +2.91% and
over the past year by +7.98%.
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 | 8.8% |
P/E Forward = 18.4843
P/S = 5.2943
P/B = 1.7443
P/EG = 3.4682
Revenue TTM = 695.0m USD
EBIT TTM = 221.8m USD
EBITDA TTM = 232.9m USD
Long Term Debt = 15.0m USD (from longTermDebt, last quarter)
Short Term Debt = 137.5m USD (from shortTermDebt, last quarter)
Debt = 187.9m USD (from shortLongTermDebtTotal, last quarter) + Leases 18.9m
Net Debt = 35.6m USD (calculated: Debt 187.9m - CCE 152.3m)
Enterprise Value = 3.07b USD (3.03b + Debt 187.9m - CCE 152.3m)
Interest Coverage Ratio = 2.05 (Ebit TTM 221.8m / Interest Expense TTM 108.4m)
EV/FCF = 16.89x (Enterprise Value 3.07b / FCF TTM 181.8m)
FCF Yield = 5.92% (FCF TTM 181.8m / Enterprise Value 3.07b)
FCF Margin = 26.15% (FCF TTM 181.8m / Revenue TTM 695.0m)
Net Margin = 25.84% (Net Income TTM 179.6m / Revenue TTM 695.0m)
Gross Margin = 82.47% ((Revenue TTM 695.0m - Cost of Revenue TTM 121.8m) / Revenue TTM)
Gross Margin QoQ = 83.20% (prev 83.47%)
Tobins Q-Ratio = 0.24 (Enterprise Value 3.07b / Total Assets 13.0b)
Interest Expense / Debt = 57.68% (Interest Expense 108.4m / Debt 187.9m)
Taxrate = 19.33% (9.99m / 51.7m)
NOPAT = 178.9m (EBIT 221.8m * (1 - 19.33%))
Current Ratio = 1.43 (Total Current Assets 196.2m / Total Current Liabilities 137.5m)
Debt / Equity = 0.11 (Debt 187.9m / totalStockholderEquity, last quarter 1.70b)
Debt / EBITDA = 0.15 (Net Debt 35.6m / EBITDA 232.9m)
Debt / FCF = 0.20 (Net Debt 35.6m / FCF TTM 181.8m)
Total Stockholder Equity = 1.42b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.57% (Net Income 179.6m / Total Assets 13.0b)
RoE = 12.65% (Net Income TTM 179.6m / Total Stockholder Equity 1.42b)
RoCE = 15.46% (EBIT 221.8m / Capital Employed (Equity 1.42b + L.T.Debt 15.0m))
RoIC = 1.39% (NOPAT 178.9m / Invested Capital 12.8b)
WACC = 8.32% (E(3.03b)/V(3.22b) * Re(8.84%) + (debt cost/tax rate unavailable))
Discount Rate = 8.84% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -2.22 | Cagr: 3.33%
[DCF] Terminal Value 75.92% ; FCFF base≈179.1m ; Y1≈185.5m ; Y5≈208.9m
[DCF] Fair Price = 176.4 (EV 3.23b - Net Debt 35.6m = Equity 3.19b / Shares 18.1m; r=8.35% [WACC [floored]]; 5y FCF grow 3.74% → 2.50% )
EPS Correlation: 90.67 | EPS CAGR: 15.18% | SUE: 2.01 | # QB: 1
Revenue Correlation: 97.76 | Revenue CAGR: 8.79% | SUE: 0.74 | # QB: 0
EPS current Quarter (2026-06-30): EPS=2.99 | Chg30d=+4.00% | Revisions=+43% | Analysts=3
EPS next Quarter (2026-09-30): EPS=3.17 | Chg30d=+3.07% | Revisions=+14% | Analysts=3
EPS current Year (2026-12-31): EPS=12.23 | Chg30d=+4.15% | Revisions=+43% | GrowthEPS=+8.6% | GrowthRev=+20.9%
EPS next Year (2027-12-31): EPS=12.78 | Chg30d=+4.46% | Revisions=+43% | GrowthEPS=+4.5% | GrowthRev=+3.3%
[Analyst] Revisions Ratio: +43%