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PRK logoPark National Corporation(PRK)Earnings, Financials & Key Ratios

PRK•AMEX•Banking & Credit
$174.66
$3.16B mkt cap·15.7× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommunity and retail regional banks
AboutPark 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. 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 for individual customers. 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; consumer loans, such as automobile loans and leases; 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 and asset management services. As of December 31, 2021, it operated 96 financial service offices and a network of 116 automated teller machines in 26 Ohio counties, 1 Kentucky county, 3 North Carolina counties, and 4 South Carolina counties. The company was founded in 1908 and is headquartered in Newark, Ohio.Show more
  • Net Interest Income$437M+9.9%
  • Total Revenue$664M+2.9%
  • Net Income$180M+18.9%
  • Return on Equity13.87%+9.4%
  • Net Interest Margin4.46%+9.9%
  • Efficiency Ratio48.82%-1.9%
  • ROA1.84%+19.1%
  • Equity / Assets13.8%+8.8%
  • Book Value per Share83.59+9.2%
  • Tangible BV/Share73.58+12.0%
  • Debt/Equity0.07-69.4%
Technical→

PRK Key Insights

Park National Corporation (PRK) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Company is almost debt free
  • ✓Strong Piotroski F-Score: 9/9
  • ✓Strong NIM of 4.5%
  • ✓Efficient operations: 48.8% efficiency ratio
  • ✓Well capitalized: 13.8% equity/assets
  • ✓Healthy dividend yield of 3.2%

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

PRK Price & Volume

Park National Corporation (PRK) stock price & volume — 10-year historical chart

Loading chart...

PRK Growth Metrics

Park National Corporation (PRK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years6.85%
5 Years6.57%
3 Years8.92%
TTM-

Profit CAGR

10 Years8.32%
5 Years7.08%
3 Years6.67%
TTM18.92%

EPS CAGR

10 Years7.76%
5 Years7.33%
3 Years7%
TTM19.21%

Return on Capital

10 Years7%
5 Years7.81%
3 Years4.2%
Last Year3.92%

PRK Recent Earnings

Park National Corporation (PRK) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
Apr 24, 2026
EPS
$3.06
Est $2.66
+15.0%
Revenue
$157M
Est $157M
+0.0%
Q1 2026
Jan 26, 2026
EPS
$2.93
Est $2.77
+5.8%
Revenue
$144M
Est $142M
+1.5%
Q4 2025
Oct 27, 2025
EPS
$2.87
Est $2.74
+4.7%
Revenue
$142M
Est $140M
+0.9%
Q3 2025
Jul 28, 2025
EPS
$2.90
Est $2.45
+18.4%
Revenue
$141M
Est $138M
+2.7%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 24, 2026
$3.06vs $2.66+15.0%
$157Mvs $157M+0.0%
Q1 2026Jan 26, 2026
$2.93vs $2.77+5.8%
$144Mvs $142M+1.5%
Q4 2025Oct 27, 2025
$2.87vs $2.74+4.7%
$142Mvs $140M+0.9%
Q3 2025Jul 28, 2025
$2.90vs $2.45+18.4%
$141Mvs $138M+2.7%
Based on last 12 quarters of dataView full earnings history →

PRK Peer Comparison

Park National Corporation (PRK) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
FFBC logoFFBCFirst Financial Bancorp.Direct Competitor3.21B30.6711.532.75%9.77%0.43
FULT logoFULTFulton Financial CorporationDirect Competitor4.19B21.7910.485.03%11.6%0.37
UBSI logoUBSIUnited Bankshares, Inc.Direct Competitor6.11B43.7213.3712.33%8.6%0.17
WSBC logoWSBCWesBanco, Inc.Direct Competitor3.31B34.4415.2451.41%5.67%0.41
HBAN logoHBANHuntington Bancshares IncorporatedDirect Competitor26.34B16.6411.974.38%10.04%0.76
CIVB logoCIVBCivista Bancshares, Inc.Direct Competitor517.89M25.009.475.4%10.02%0.52
FCNCA logoFCNCAFirst Citizens BancShares, Inc.Direct Competitor23.14B1991.3312.01-2.97%9.94%1.62
FBIZ logoFBIZFirst Business Financial Services, Inc.Product Competitor470.37M56.389.306.43%14.12%0.70

Compare PRK vs Peers

Park National Corporation (PRK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FFBC

Most directly comparable listed peer for PRK.

Scale Benchmark

vs V

Larger-name benchmark to compare PRK against a more recognizable public peer.

Peer Set

Compare Top 5

vs FFBC, FULT, UBSI, WSBC

PRK Income Statement

Park National Corporation (PRK) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income243.76M266.9M297.74M327.63M329.89M347.06M373.11M398.02M437.31M
NII Growth %2.38%9.49%11.55%10.04%0.69%5.2%7.51%6.68%9.87%
Net Interest Margin %3.23%3.42%3.48%3.53%3.45%3.52%3.79%4.06%4.46%
Interest Income286.42M310.8M360.5M357.72M345.85M378.25M471.67M522.97M544.54M
Interest Expense42.66M43.9M62.76M30.09M15.96M31.19M98.56M124.95M107.23M
Loan Loss Provision8.56M7.95M6.17M12.05M-11.92M4.56M2.9M14.54M11.49M
Non-Interest Income86.43M101.1M97.19M125.66M129.94M135.94M92.63M122.59M119.88M
Non-Interest Income %23.18%24.54%21.24%26%27.31%26.44%16.42%18.99%18.04%
Total Revenue
372.85M▲ 0%
411.9M▲ 10.5%
457.69M▲ 11.1%
483.38M▲ 5.6%
475.8M▼ 1.6%
514.18M▲ 8.1%
564.3M▲ 9.7%
645.55M▲ 14.4%
664.42M▲ 2.9%
Revenue Growth %13.96%10.47%11.12%5.61%-1.57%8.07%9.75%14.4%2.92%
Non-Interest Expense203.16M228.75M263.99M286.6M283.52M297.98M309.24M321.34M324.38M
Efficiency Ratio54.49%55.54%57.68%59.29%59.59%57.95%54.8%49.78%48.82%
Operating Income
118.47M▲ 0%
131.3M▲ 10.8%
124.77M▼ 5.0%
154.65M▲ 23.9%
188.24M▲ 21.7%
180.46M▼ 4.1%
153.6M▼ 14.9%
184.72M▲ 20.3%
221.32M▲ 19.8%
Operating Margin %31.77%31.88%27.26%31.99%39.56%35.1%27.22%28.62%33.31%
Operating Income Growth %-20.85%10.83%-4.97%23.94%21.72%-4.13%-14.88%20.26%19.81%
Pretax Income
118.47M▲ 0%
131.3M▲ 10.8%
124.77M▼ 5.0%
154.65M▲ 23.9%
188.24M▲ 21.7%
180.46M▼ 4.1%
153.6M▼ 14.9%
184.72M▲ 20.3%
221.32M▲ 19.8%
Pretax Margin %31.77%31.88%27.26%31.99%39.56%35.1%27.22%28.62%33.31%
Income Tax34.23M20.91M22.07M26.72M34.29M32.11M26.87M33.3M41.25M
Effective Tax Rate %28.89%15.93%17.69%17.28%18.22%17.79%17.49%18.03%18.64%
Net Income
84.24M▲ 0%
110.39M▲ 31.0%
102.7M▼ 7.0%
127.92M▲ 24.6%
153.94M▲ 20.3%
148.35M▼ 3.6%
126.73M▼ 14.6%
151.42M▲ 19.5%
180.07M▲ 18.9%
Net Margin %22.59%26.8%22.44%26.46%32.36%28.85%22.46%23.46%27.1%
Net Income Growth %-2.2%31.04%-6.96%24.56%20.34%-3.63%-14.57%19.48%18.92%
Net Income (Continuing)84.24M110.39M102.7M127.92M153.94M148.35M126.73M151.42M180.07M
EPS (Diluted)
5.47▲ 0%
7.07▲ 29.3%
6.29▼ 11.0%
7.80▲ 24.0%
9.37▲ 20.1%
9.07▼ 3.2%
7.80▼ 14.0%
9.32▲ 19.5%
11.11▲ 19.2%
EPS Growth %-2.15%29.25%-11.03%24.01%20.13%-3.2%-14%19.49%19.21%
EPS (Basic)5.517.136.337.859.459.137.849.3811.18
Diluted Shares Outstanding15.39M15.61M16.33M16.41M16.43M16.36M16.25M16.25M16.18M

PRK Balance Sheet

Park National Corporation (PRK) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments1.26B1.17B1.37B1.43B1.97B1.92B1.55B1.16B137.24M
Cash & Due from Banks169.11M167.21M159.96M370.47M219.18M189.73M218.27M160.57M137.24M
Short Term Investments1.09B1B1.21B1.06B1.75B1.73B1.33B996.62M0
Total Investments2.66B2.48B7.75B8.25B8.64B8.92B2.82B8.84B8.93B
Investments Growth %-8.11%-6.57%212.15%6.47%4.76%3.21%-68.33%213.06%0.97%
Long-Term Investments1.56B1.48B6.54B7.19B6.89B7.18B1.49B7.85B8.93B
Accounts Receivables22.16M22.97M24.22M24.93M23.41M34.7M39.24M36.28M0
Goodwill & Intangibles82.02M129.89M181.19M181.06M182.32M181.36M178.9M176.95M161.99M
Goodwill72.33M112.74M159.59M159.59M159.59M159.59M159.59M159.59M159.59M
Intangible Assets9.69M17.15M21.59M21.47M22.73M21.77M19.31M17.36M2.4M
PP&E (Net)55.9M59.77M87.04M107.63M104.89M100.99M92.23M86.93M61.63M
Other Assets4.07B4.47B226.69M218.46M224.28M256.36M6.29B281.66M480.76M
Total Current Assets1.29B1.2B1.53B1.58B2.16B2.13B1.78B1.41B171.86M
Total Non-Current Assets5.83B6.2B7.03B7.7B7.4B7.72B8.06B8.39B9.63B
Total Assets
7.54B▲ 0%
7.8B▲ 3.5%
8.56B▲ 9.7%
9.28B▲ 8.4%
9.56B▲ 3.0%
9.85B▲ 3.1%
9.84B▼ 0.2%
9.81B▼ 0.3%
9.81B▼ 0.0%
Asset Growth %0.94%3.54%9.66%8.42%3.03%3.08%-0.19%-0.32%-0%
Return on Assets (ROA)1.12%1.44%1.26%1.43%1.63%1.53%1.29%1.54%1.84%
Accounts Payable2.28M2.63M2.93M3.86M3.12M3.49M6.86M7.86M0
Total Debt906.29M636.97M452.64M578.56M441.33M435.3M425.75M296.59M98.77M
Net Debt737.18M469.75M292.68M208.08M222.16M245.57M207.48M136.02M-38.47M
Long-Term Debt365M315M207.5M220.27M188.21M188.67M189.15M189.65M0
Short-Term Debt541.29M321.97M230.66M342.23M238.79M227.34M220M90.43M84.33M
Other Liabilities6.42B6.66B81.19M83.99M100.52M112.27M4.86B113.53M8.37B
Total Current Liabilities007.29B7.92B8.15B8.47B3.52B8.24B84.33M
Total Non-Current Liabilities6.78B6.97B303.17M320.32M303.06M320.22M5.07B319.69M8.37B
Total Liabilities6.78B6.97B7.59B8.24B8.45B8.79B8.69B8.56B8.45B
Total Equity
756.1M▲ 0%
832.51M▲ 10.1%
969.01M▲ 16.4%
1.04B▲ 7.4%
1.11B▲ 6.8%
1.07B▼ 3.7%
1.15B▲ 7.1%
1.24B▲ 8.6%
1.35B▲ 8.8%
Equity Growth %1.87%10.11%16.4%7.35%6.78%-3.74%7.11%8.61%8.76%
Equity / Assets (Capital Ratio)10.03%10.67%11.32%11.21%11.62%10.85%11.64%12.69%13.8%
Return on Equity (ROE)11.24%13.9%11.4%12.73%14.31%13.61%11.45%12.68%13.87%
Book Value per Share49.1353.3359.3463.4067.6365.3470.4876.5783.59
Tangible BV per Share43.8045.0148.2552.3656.5354.2559.4765.6873.58
Common Stock307.73M358.6M459.39M460.69M461.8M462.4M463.28M463.71M465.03M
Additional Paid-in Capital307.73M358.6M0000000
Retained Earnings561.91M614.07M646.85M704.76M776.29M847.24M903.88M977.6M1.07B
Accumulated OCI-26.45M-49.79M-9.59M5.57M15.15M-102.39M-66.19M-46.17M-12.74M
Treasury Stock-87.08M-90.37M-127.63M-130.77M-142.49M-138.02M-155.67M-151.28M-167.32M
Preferred Stock454K00000000

PRK Cash Flow Statement

Park National Corporation (PRK) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations87.99M132.95M111.63M111.65M157.33M134.86M150.5M178.85M198.32M
Operating CF Growth %0.12%51.09%-16.04%0.02%40.92%-14.28%11.6%18.83%10.89%
Net Income84.24M110.39M102.7M127.92M153.94M148.35M126.73M151.42M180.07M
Depreciation & Amortization8.64M8.59M9.12M10.81M13.27M13.82M14.02M12.19M11.19M
Deferred Taxes3.29M538K-844K-4.53M-3.13M611K-703K-409K-1.54M
Other Non-Cash Items5.06M-4.62M-9.06M-23.86M-16.82M-16.41M7.29M-3.48M3.13M
Working Capital Changes-17.19M13M3.39M-5.98M2.05M-18.7M-4.84M11.45M-3.15M
Cash from Investing-61.97M44.29M60.08M-455.9M-412.14M-403.7M64.16M-19.15M86.16M
Purchase of Investments-150.2M-383.1M-6.14M-364.46M-964.71M-336.8M-6.18M-24.97M-110.52M
Sale/Maturity of Investments210.63M452.77M294M538.01M235.73M186.45M431.65M343.74M432.95M
Net Investment Activity60.42M69.68M287.87M173.55M-728.99M-150.34M425.47M318.76M322.44M
Acquisitions-119.34M12.27M-4.83M-615.8M315.9M0000
Other Investing3.96M-26.12M-208.07M14.98M15.03M-245.42M-353.73M-328.73M-229.9M
Cash from Financing-3.35M-179.14M-178.96M554.77M103.52M239.38M-186.12M-217.4M-211.53M
Dividends Paid-57.49M-63.01M-69.11M-70.35M-74.31M-76.6M-68.95M-77.5M-89.92M
Share Repurchases-7.38M-5.78M-40.53M-7.51M-16.05M-2.76M-23.02M0-20.13M
Stock Issued000000000
Net Stock Activity-7.38M-5.78M-40.53M-7.51M-16.05M-2.76M-23.02M0-20.13M
Debt Issuance (Net)-1000K-1000K-1000K1000K-1000K-1000K1000K-1000K-1000K
Other Financing295.02M159.18M158.87M519.97M332.22M330.19M-192.15M97.84M97.24M
Net Change in Cash
22.67M▲ 0%
-1.9M▼ 108.4%
-7.26M▼ 282.4%
210.52M▲ 3000.5%
-151.29M▼ 171.9%
-29.45M▲ 80.5%
28.54M▲ 196.9%
-57.7M▼ 302.2%
72.95M▲ 226.4%
Exchange Rate Effect000000000
Cash at Beginning146.45M169.11M167.21M159.96M370.47M219.18M189.73M218.27M160.57M
Cash at End169.11M167.21M159.96M370.47M219.18M189.73M218.27M160.57M233.51M
Interest Paid42.54M43.6M63.04M29.16M16.7M30.82M95.18M123.95M111.01M
Income Taxes Paid26.19M7.34M15.19M24.26M25.5M24.67M17.2M23.26M33.58M
Free Cash Flow
80.97M▲ 0%
121.42M▲ 49.9%
96.74M▼ 20.3%
83.01M▼ 14.2%
143.24M▲ 72.5%
126.92M▼ 11.4%
142.91M▲ 12.6%
169.66M▲ 18.7%
191.95M▲ 13.1%
FCF Growth %0.69%49.95%-20.32%-14.19%72.55%-11.39%12.6%18.72%13.13%

PRK Banking Ratios

Park National Corporation (PRK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)11.83%11.24%13.9%11.4%12.73%14.31%13.61%11.45%12.68%13.87%
Return on Assets (ROA)1.17%1.12%1.44%1.26%1.43%1.63%1.53%1.29%1.54%1.84%
Net Interest Margin3.19%3.23%3.42%3.48%3.53%3.45%3.52%3.79%4.06%4.46%
Efficiency Ratio54.25%54.49%55.54%57.68%59.29%59.59%57.95%54.8%49.78%48.82%
Equity / Assets9.94%10.03%10.67%11.32%11.21%11.62%10.85%11.64%12.69%13.8%
Book Value / Share48.1849.1353.3359.3463.467.6365.3470.4876.5783.59
NII Growth4.59%2.38%9.49%11.55%10.04%0.69%5.2%7.51%6.68%9.87%
Dividend Payout66.93%68.25%57.08%67.3%55%48.27%51.64%54.41%51.18%49.93%

PRK SEC Filings & Documents

Park National Corporation (PRK) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 24, 2026·SEC

Material company update

Feb 9, 2026·SEC

Material company update

Feb 2, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 23, 2026·SEC

FY 2025

Feb 24, 2025·SEC

FY 2024

Feb 23, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 3, 2025·SEC

FY 2025

Aug 4, 2025·SEC

FY 2025

May 2, 2025·SEC

PRK Frequently Asked Questions

Park National Corporation (PRK) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Park National Corporation (PRK) grew revenue by 2.9% over the past year. Growth has been modest.

Yes, Park National Corporation (PRK) is profitable, generating $180.1M in net income for fiscal year 2025 (27.1% net margin).

Dividend & Returns

Yes, Park National Corporation (PRK) pays a dividend with a yield of 3.18%. This makes it attractive for income-focused investors.

Park National Corporation (PRK) has a return on equity (ROE) of 13.9%. This is reasonable for most industries.

Industry Metrics

Park National Corporation (PRK) has a net interest margin (NIM) of 4.5%. This indicates healthy earnings from lending activities.

Park National Corporation (PRK) has an efficiency ratio of 48.8%. This is excellent, indicating strong cost control.

Explore More PRK

Park National Corporation (PRK) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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