8-K Announcements
6Apr 24, 2026·SEC
Feb 9, 2026·SEC
Feb 2, 2026·SEC
Park National Corporation (PRK) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Park National Corporation (PRK) stock price & volume — 10-year historical chart
Park National Corporation (PRK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Park National Corporation (PRK) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 24, 2026 | $3.06vs $2.66+15.0% | $157Mvs $157M+0.0% |
| Q1 2026 | Jan 26, 2026 | $2.93vs $2.77+5.8% | $144Mvs $142M+1.5% |
| Q4 2025 | Oct 27, 2025 | $2.87vs $2.74+4.7% | $142Mvs $140M+0.9% |
| Q3 2025 | Jul 28, 2025 | $2.90vs $2.45+18.4% | $141Mvs $138M+2.7% |
Park National Corporation (PRK) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
Park National Corporation (PRK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Park National Corporation (PRK) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 243.76M | 266.9M | 297.74M | 327.63M | 329.89M | 347.06M | 373.11M | 398.02M | 437.31M |
| 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 Income | 286.42M | 310.8M | 360.5M | 357.72M | 345.85M | 378.25M | 471.67M | 522.97M | 544.54M |
| Interest Expense | 42.66M | 43.9M | 62.76M | 30.09M | 15.96M | 31.19M | 98.56M | 124.95M | 107.23M |
| Loan Loss Provision | 8.56M | 7.95M | 6.17M | 12.05M | -11.92M | 4.56M | 2.9M | 14.54M | 11.49M |
| Non-Interest Income | 86.43M | 101.1M | 97.19M | 125.66M | 129.94M | 135.94M | 92.63M | 122.59M | 119.88M |
| 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 Expense | 203.16M | 228.75M | 263.99M | 286.6M | 283.52M | 297.98M | 309.24M | 321.34M | 324.38M |
| Efficiency Ratio | 54.49% | 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 Tax | 34.23M | 20.91M | 22.07M | 26.72M | 34.29M | 32.11M | 26.87M | 33.3M | 41.25M |
| 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) | 84.24M | 110.39M | 102.7M | 127.92M | 153.94M | 148.35M | 126.73M | 151.42M | 180.07M |
| 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) | 5.51 | 7.13 | 6.33 | 7.85 | 9.45 | 9.13 | 7.84 | 9.38 | 11.18 |
| Diluted Shares Outstanding | 15.39M | 15.61M | 16.33M | 16.41M | 16.43M | 16.36M | 16.25M | 16.25M | 16.18M |
Park National Corporation (PRK) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1.26B | 1.17B | 1.37B | 1.43B | 1.97B | 1.92B | 1.55B | 1.16B | 137.24M |
| Cash & Due from Banks | 169.11M | 167.21M | 159.96M | 370.47M | 219.18M | 189.73M | 218.27M | 160.57M | 137.24M |
| Short Term Investments | 1.09B | 1B | 1.21B | 1.06B | 1.75B | 1.73B | 1.33B | 996.62M | 0 |
| Total Investments | 2.66B | 2.48B | 7.75B | 8.25B | 8.64B | 8.92B | 2.82B | 8.84B | 8.93B |
| Investments Growth % | -8.11% | -6.57% | 212.15% | 6.47% | 4.76% | 3.21% | -68.33% | 213.06% | 0.97% |
| Long-Term Investments | 1.56B | 1.48B | 6.54B | 7.19B | 6.89B | 7.18B | 1.49B | 7.85B | 8.93B |
| Accounts Receivables | 22.16M | 22.97M | 24.22M | 24.93M | 23.41M | 34.7M | 39.24M | 36.28M | 0 |
| Goodwill & Intangibles | 82.02M | 129.89M | 181.19M | 181.06M | 182.32M | 181.36M | 178.9M | 176.95M | 161.99M |
| Goodwill | 72.33M | 112.74M | 159.59M | 159.59M | 159.59M | 159.59M | 159.59M | 159.59M | 159.59M |
| Intangible Assets | 9.69M | 17.15M | 21.59M | 21.47M | 22.73M | 21.77M | 19.31M | 17.36M | 2.4M |
| PP&E (Net) | 55.9M | 59.77M | 87.04M | 107.63M | 104.89M | 100.99M | 92.23M | 86.93M | 61.63M |
| Other Assets | 4.07B | 4.47B | 226.69M | 218.46M | 224.28M | 256.36M | 6.29B | 281.66M | 480.76M |
| Total Current Assets | 1.29B | 1.2B | 1.53B | 1.58B | 2.16B | 2.13B | 1.78B | 1.41B | 171.86M |
| Total Non-Current Assets | 5.83B | 6.2B | 7.03B | 7.7B | 7.4B | 7.72B | 8.06B | 8.39B | 9.63B |
| 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 Payable | 2.28M | 2.63M | 2.93M | 3.86M | 3.12M | 3.49M | 6.86M | 7.86M | 0 |
| Total Debt | 906.29M | 636.97M | 452.64M | 578.56M | 441.33M | 435.3M | 425.75M | 296.59M | 98.77M |
| Net Debt | 737.18M | 469.75M | 292.68M | 208.08M | 222.16M | 245.57M | 207.48M | 136.02M | -38.47M |
| Long-Term Debt | 365M | 315M | 207.5M | 220.27M | 188.21M | 188.67M | 189.15M | 189.65M | 0 |
| Short-Term Debt | 541.29M | 321.97M | 230.66M | 342.23M | 238.79M | 227.34M | 220M | 90.43M | 84.33M |
| Other Liabilities | 6.42B | 6.66B | 81.19M | 83.99M | 100.52M | 112.27M | 4.86B | 113.53M | 8.37B |
| Total Current Liabilities | 0 | 0 | 7.29B | 7.92B | 8.15B | 8.47B | 3.52B | 8.24B | 84.33M |
| Total Non-Current Liabilities | 6.78B | 6.97B | 303.17M | 320.32M | 303.06M | 320.22M | 5.07B | 319.69M | 8.37B |
| Total Liabilities | 6.78B | 6.97B | 7.59B | 8.24B | 8.45B | 8.79B | 8.69B | 8.56B | 8.45B |
| 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 Share | 49.13 | 53.33 | 59.34 | 63.40 | 67.63 | 65.34 | 70.48 | 76.57 | 83.59 |
| Tangible BV per Share | 43.80 | 45.01 | 48.25 | 52.36 | 56.53 | 54.25 | 59.47 | 65.68 | 73.58 |
| Common Stock | 307.73M | 358.6M | 459.39M | 460.69M | 461.8M | 462.4M | 463.28M | 463.71M | 465.03M |
| Additional Paid-in Capital | 307.73M | 358.6M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 561.91M | 614.07M | 646.85M | 704.76M | 776.29M | 847.24M | 903.88M | 977.6M | 1.07B |
| Accumulated OCI | -26.45M | -49.79M | -9.59M | 5.57M | 15.15M | -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 Stock | 454K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Park National Corporation (PRK) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 87.99M | 132.95M | 111.63M | 111.65M | 157.33M | 134.86M | 150.5M | 178.85M | 198.32M |
| Operating CF Growth % | 0.12% | 51.09% | -16.04% | 0.02% | 40.92% | -14.28% | 11.6% | 18.83% | 10.89% |
| Net Income | 84.24M | 110.39M | 102.7M | 127.92M | 153.94M | 148.35M | 126.73M | 151.42M | 180.07M |
| Depreciation & Amortization | 8.64M | 8.59M | 9.12M | 10.81M | 13.27M | 13.82M | 14.02M | 12.19M | 11.19M |
| Deferred Taxes | 3.29M | 538K | -844K | -4.53M | -3.13M | 611K | -703K | -409K | -1.54M |
| Other Non-Cash Items | 5.06M | -4.62M | -9.06M | -23.86M | -16.82M | -16.41M | 7.29M | -3.48M | 3.13M |
| Working Capital Changes | -17.19M | 13M | 3.39M | -5.98M | 2.05M | -18.7M | -4.84M | 11.45M | -3.15M |
| Cash from Investing | -61.97M | 44.29M | 60.08M | -455.9M | -412.14M | -403.7M | 64.16M | -19.15M | 86.16M |
| Purchase of Investments | -150.2M | -383.1M | -6.14M | -364.46M | -964.71M | -336.8M | -6.18M | -24.97M | -110.52M |
| Sale/Maturity of Investments | 210.63M | 452.77M | 294M | 538.01M | 235.73M | 186.45M | 431.65M | 343.74M | 432.95M |
| Net Investment Activity | 60.42M | 69.68M | 287.87M | 173.55M | -728.99M | -150.34M | 425.47M | 318.76M | 322.44M |
| Acquisitions | -119.34M | 12.27M | -4.83M | -615.8M | 315.9M | 0 | 0 | 0 | 0 |
| Other Investing | 3.96M | -26.12M | -208.07M | 14.98M | 15.03M | -245.42M | -353.73M | -328.73M | -229.9M |
| Cash from Financing | -3.35M | -179.14M | -178.96M | 554.77M | 103.52M | 239.38M | -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 | -23.02M | 0 | -20.13M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | -7.38M | -5.78M | -40.53M | -7.51M | -16.05M | -2.76M | -23.02M | 0 | -20.13M |
| Debt Issuance (Net) | -1000K | -1000K | -1000K | 1000K | -1000K | -1000K | 1000K | -1000K | -1000K |
| Other Financing | 295.02M | 159.18M | 158.87M | 519.97M | 332.22M | 330.19M | -192.15M | 97.84M | 97.24M |
| 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 Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 146.45M | 169.11M | 167.21M | 159.96M | 370.47M | 219.18M | 189.73M | 218.27M | 160.57M |
| Cash at End | 169.11M | 167.21M | 159.96M | 370.47M | 219.18M | 189.73M | 218.27M | 160.57M | 233.51M |
| Interest Paid | 42.54M | 43.6M | 63.04M | 29.16M | 16.7M | 30.82M | 95.18M | 123.95M | 111.01M |
| Income Taxes Paid | 26.19M | 7.34M | 15.19M | 24.26M | 25.5M | 24.67M | 17.2M | 23.26M | 33.58M |
| 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% |
Park National Corporation (PRK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 3.19% | 3.23% | 3.42% | 3.48% | 3.53% | 3.45% | 3.52% | 3.79% | 4.06% | 4.46% |
| Efficiency Ratio | 54.25% | 54.49% | 55.54% | 57.68% | 59.29% | 59.59% | 57.95% | 54.8% | 49.78% | 48.82% |
| Equity / Assets | 9.94% | 10.03% | 10.67% | 11.32% | 11.21% | 11.62% | 10.85% | 11.64% | 12.69% | 13.8% |
| Book Value / Share | 48.18 | 49.13 | 53.33 | 59.34 | 63.4 | 67.63 | 65.34 | 70.48 | 76.57 | 83.59 |
| NII Growth | 4.59% | 2.38% | 9.49% | 11.55% | 10.04% | 0.69% | 5.2% | 7.51% | 6.68% | 9.87% |
| Dividend Payout | 66.93% | 68.25% | 57.08% | 67.3% | 55% | 48.27% | 51.64% | 54.41% | 51.18% | 49.93% |
Park National Corporation (PRK) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 24, 2026·SEC
Feb 9, 2026·SEC
Feb 2, 2026·SEC
Park National Corporation (PRK) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
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.
Park National Corporation (PRK) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates