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PRKPark National Corporation
$176.62$3.2B
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PRK logoPark National Corporation(PRK)Earnings, Financials & Key Ratios

PRK•AMEX•Banking & Credit
15.9× P/E·Price updated Jun 19, 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%

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 3.1%

✗Weaknesses

No significant weaknesses identified

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

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PRK Price & Volume

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

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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
Metric
Actual
Est
EPS
$3.06+15.0%
$2.66
Rev
$157M+0.0%
$157M
Q1 2026
Jan 26, 2026
Metric
Actual
Est
EPS
$2.93+5.8%
$2.77
Rev
$144M+1.5%
$142M
Q4 2025
Oct 27, 2025
Metric
Actual
Est
EPS
$2.87+4.7%
$2.74
Rev
$142M+0.9%
$140M
Q3 2025
Jul 28, 2025
Metric
Actual
Est
EPS
$2.90+18.4%
$2.45
Rev
$141M+2.7%
$138M
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
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
FFBC logoFFBCFirst Financial Bancorp.Direct Competitor3.31B31.6111.882.75%20.3%9.77%0.43
FULT logoFULTFulton Financial CorporationDirect Competitor4.41B22.9011.015.03%20.7%11.6%0.37
UBSI logoUBSIUnited Bankshares, Inc.Direct Competitor6.2B44.4213.5812.33%25.52%8.6%0.17
WSBC logoWSBCWesBanco, Inc.Direct Competitor3.49B36.2916.0651.41%15.55%5.67%0.41
HBAN logoHBANHuntington Bancshares IncorporatedDirect Competitor26.69B16.8612.134.38%17.71%10.04%0.76
CIVB logoCIVBCivista Bancshares, Inc.Direct Competitor556.21M26.8510.175.4%18.29%10.02%0.52
FCNCA logoFCNCAFirst Citizens BancShares, Inc.Direct Competitor24.07B2071.6212.50-2.97%15.22%9.94%1.62
FBIZ logoFBIZFirst Business Financial Services, Inc.Product Competitor503.41M60.349.966.43%18.74%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
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
243.76M266.9M297.74M327.63M329.89M347.06M373.11M398.02M437.31M
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 Income
286.42M310.8M360.5M357.72M345.85M378.25M471.67M522.97M544.54M
Interest Expense
42.66M43.9M62.76M30.09M15.96M31.19M98.56M124.95M107.23M
Loan Loss Provision
8.56M7.95M6.17M12.05M-11.92M4.56M2.9M14.54M11.49M
Non-Interest Income
86.43M101.1M97.19M125.66M129.94M135.94M92.63M122.59M119.88M
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 Expense
203.16M228.75M263.99M286.6M283.52M297.98M309.24M321.34M324.38M
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
34.23M20.91M22.07M26.72M34.29M32.11M26.87M33.3M41.25M
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 Outstanding
15.39M15.61M16.33M16.41M16.43M16.36M16.25M16.25M16.18M

PRK Balance Sheet

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

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
1.26B1.17B1.37B1.43B1.97B1.92B1.55B1.16B137.24M
Cash & Due from Banks
169.11M167.21M159.96M370.47M219.18M189.73M218.27M160.57M137.24M
Short Term Investments
1.09B1B1.21B1.06B1.75B1.73B1.33B996.62M0
Total Investments
2.66B2.48B7.75B8.25B8.64B8.92B2.82B8.84B8.93B
Investments Growth %
-8.11%-6.57%212.15%6.47%4.76%3.21%-68.33%213.06%0.97%
Long-Term Investments
1.56B1.48B6.54B7.19B6.89B7.18B1.49B7.85B8.93B
Accounts Receivables
22.16M22.97M24.22M24.93M23.41M34.7M39.24M36.28M0
Goodwill & Intangibles
82.02M129.89M181.19M181.06M182.32M181.36M178.9M176.95M161.99M
Goodwill
72.33M112.74M159.59M159.59M159.59M159.59M159.59M159.59M159.59M
Intangible Assets
9.69M17.15M21.59M21.47M22.73M21.77M19.31M17.36M2.4M
PP&E (Net)
55.9M59.77M87.04M107.63M104.89M100.99M92.23M86.93M61.63M
Other Assets
4.07B4.47B226.69M218.46M224.28M256.36M6.29B281.66M480.76M
Total Current Assets
1.29B1.2B1.53B1.58B2.16B2.13B1.78B1.41B171.86M
Total Non-Current Assets
5.83B6.2B7.03B7.7B7.4B7.72B8.06B8.39B9.63B
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 Payable
2.28M2.63M2.93M3.86M3.12M3.49M6.86M7.86M0
Total Debt
906.29M636.97M452.64M578.56M441.33M435.3M425.75M296.59M98.77M
Net Debt
737.18M469.75M292.68M208.08M222.16M245.57M207.48M136.02M-38.47M
Long-Term Debt
365M315M207.5M220.27M188.21M188.67M189.15M189.65M0
Short-Term Debt
541.29M321.97M230.66M342.23M238.79M227.34M220M90.43M84.33M
Other Liabilities
6.42B6.66B81.19M83.99M100.52M112.27M4.86B113.53M8.37B
Total Current Liabilities
007.29B7.92B8.15B8.47B3.52B8.24B84.33M
Total Non-Current Liabilities
6.78B6.97B303.17M320.32M303.06M320.22M5.07B319.69M8.37B
Total Liabilities
6.78B6.97B7.59B8.24B8.45B8.79B8.69B8.56B8.45B
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 Share
49.1353.3359.3463.4067.6365.3470.4876.5783.59
Tangible BV per Share
43.8045.0148.2552.3656.5354.2559.4765.6873.58
Common Stock
307.73M358.6M459.39M460.69M461.8M462.4M463.28M463.71M465.03M
Additional Paid-in Capital
307.73M358.6M0000000
Retained Earnings
561.91M614.07M646.85M704.76M776.29M847.24M903.88M977.6M1.07B
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 Stock
454K00000000

PRK Cash Flow Statement

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

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
87.99M132.95M111.63M111.65M157.33M134.86M150.5M178.85M198.32M
Operating CF Growth %
0.12%51.09%-16.04%0.02%40.92%-14.28%11.6%18.83%10.89%
Net Income
84.24M110.39M102.7M127.92M153.94M148.35M126.73M151.42M180.07M
Depreciation & Amortization
8.64M8.59M9.12M10.81M13.27M13.82M14.02M12.19M11.19M
Deferred Taxes
3.29M538K-844K-4.53M-3.13M611K-703K-409K-1.54M
Other Non-Cash Items
5.06M-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 Investments
210.63M452.77M294M538.01M235.73M186.45M431.65M343.74M432.95M
Net Investment Activity
60.42M69.68M287.87M173.55M-728.99M-150.34M425.47M318.76M322.44M
Acquisitions
-119.34M12.27M-4.83M-615.8M315.9M0000
Other Investing
3.96M-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 Issued
000000000
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 Financing
295.02M159.18M158.87M519.97M332.22M330.19M-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 Effect
000000000
Cash at Beginning
146.45M169.11M167.21M159.96M370.47M219.18M189.73M218.27M160.57M
Cash at End
169.11M167.21M159.96M370.47M219.18M189.73M218.27M160.57M233.51M
Interest Paid
42.54M43.6M63.04M29.16M16.7M30.82M95.18M123.95M111.01M
Income Taxes Paid
26.19M7.34M15.19M24.26M25.5M24.67M17.2M23.26M33.58M
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 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
48.1849.1353.3359.3463.467.6365.3470.4876.5783.59
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%
Related:PRK Dividend History·PRK Revenue History·PRK Price History·PRK P/E History·PRK Financial Ratios·PRK Institutional Holders

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 3.15%. 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.

What if you invested $1,000 in PRK back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in PRK be worth today?

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