Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Park National Corporation's quarterly P/E stands at 14.5x, down 19.7% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 20.7% YoY to 11.5x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 15.73 | 14.47 | 13.96 | 14.08 | 14.56 | 18.01 | 17.87 | 14.70 | 15.65 | 22.00 | 10.36 | 13.19 | 14.32 |
| — | -19.7% | -21.9% | -4.3% | -7.0% | -18.1% | +72.4% | +11.5% | +9.3% | +26.3% | -14.4% | -8.7% | +3.8% | |
| P/S Ratio | 4.75 | 3.66 | 3.89 | 4.02 | 3.89 | 4.24 | 4.01 | 3.66 | 3.60 | 3.83 | 2.58 | 2.97 | 3.58 |
| — | -13.7% | -3.1% | +9.7% | +8.2% | +10.7% | +55.5% | +23.2% | +0.6% | -10.3% | -25.8% | -28.3% | -24.8% | |
| P/B Ratio | 2.09 | 1.82 | 1.98 | 2.10 | 1.92 | 2.24 | 2.20 | 1.95 | 1.89 | 1.88 | 1.41 | 1.53 | 1.79 |
| — | -18.9% | -10.3% | +7.3% | +1.5% | +19.3% | +56.1% | +28.0% | +5.8% | -12.8% | -28.2% | -19.2% | -10.3% | |
| P/FCF | 16.45 | 11.05 | 12.90 | 14.02 | 16.71 | 14.81 | 16.15 | 11.79 | 17.26 | 10.37 | 10.12 | 13.03 | 22.27 |
| — | -25.4% | -20.1% | +18.9% | -3.2% | +42.7% | +59.6% | -9.5% | -22.5% | -21.1% | -39.9% | -30.3% | +8.7% | |
| EV / EBITDA | 13.57 | 11.51 | 10.30 | 11.35 | 11.59 | 14.52 | 14.38 | 11.45 | 12.11 | 18.65 | 9.48 | 10.65 | 11.83 |
| — | -20.7% | -28.4% | -0.9% | -4.2% | -22.1% | +51.7% | +7.5% | +2.4% | +28.1% | -6.6% | -8.2% | +2.7% | |
| EV / EBIT | 14.09 | 11.51 | 10.80 | 11.89 | 12.25 | 15.46 | 15.30 | 12.17 | 13.00 | 20.76 | 10.21 | 11.66 | 12.87 |
| — | -25.6% | -29.4% | -2.3% | -5.7% | -25.5% | +49.8% | +4.3% | +1.0% | +31.3% | -5.6% | -7.2% | +3.9% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Park National Corporation's operating margin was 31.3% in Q4 2025, down 3.0 pp QoQ and up 2.6 pp YoY. This marks the 3rd consecutive quarter of margin compression, signaling a persistent pressure on profitability that investors should monitor. The trailing four-quarter average of 33.3% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin expanded 5.3% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 82.1% | 83.5% | 81.1% | 82.0% | 81.9% | 79.3% | 77.7% | 78.3% | 78.3% | 77.3% | 83.1% | 81.7% | 86.0% |
| — | +5.3% | +4.5% | +4.7% | +4.6% | +2.6% | -6.6% | -4.1% | -9.0% | -11.4% | -9.2% | -12.9% | -14.8% | |
| Operating Margin | 33.3% | 31.3% | 34.3% | 35.2% | 32.4% | 28.7% | 27.4% | 30.6% | 27.8% | 21.1% | 30.8% | 27.4% | 29.5% |
| — | +8.9% | +25.1% | +14.8% | +16.8% | +36.0% | -11.1% | +12.0% | -5.9% | -29.2% | -12.2% | -22.3% | -28.6% | |
| Net Margin | 27.1% | 25.3% | 27.8% | 28.5% | 26.7% | 23.5% | 22.4% | 25.0% | 23.0% | 17.4% | 24.8% | 22.6% | 24.9% |
| — | +8.0% | +24.0% | +14.3% | +15.9% | +34.7% | -9.7% | +10.4% | -7.6% | -28.9% | -13.4% | -21.3% | -27.6% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 13.9% | 3.2% | 3.6% | 3.7% | 3.3% | 3.1% | 3.2% | 3.4% | 3.1% | 2.2% | 3.4% | 2.9% | 3.1% |
| — | +2.1% | +13.8% | +11.4% | +9.5% | +41.6% | -7.1% | +15.4% | -2.7% | -30.1% | -15.8% | -9.9% | -11.8% | |
| ROA | 1.8% | 0.4% | 0.5% | 0.5% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.2% | 0.4% | 0.3% | 0.3% |
| — | +10.6% | +23.5% | +22.0% | +19.9% | +58.7% | +3.9% | +24.4% | +4.3% | -26.4% | -13.2% | -9.6% | -15.8% | |
| ROIC | 11.1% | 2.7% | 2.9% | 2.8% | 2.5% | 2.3% | 2.3% | 2.5% | 2.0% | 1.3% | 2.2% | 2.0% | 2.0% |
| — | +20.0% | +25.5% | +14.8% | +22.5% | +70.4% | +3.1% | +24.0% | +0.0% | -34.9% | -17.6% | -8.9% | -12.3% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Park National Corporation's Debt/EBITDA ratio is 1.9x, up from 1.6x last quarter — comfortably within a safe range. The current ratio has improved 1088.3% YoY to 2.04x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.07 | 0.07 | 0.07 | 0.23 | 0.23 | 0.24 | 0.26 | 0.26 | 0.27 | 0.47 | 0.52 | 0.32 | 0.35 |
| — | -69.4% | -72.6% | -8.2% | -15.9% | -48.9% | -49.2% | -20.8% | -23.5% | +14.5% | +35.3% | -10.3% | -7.4% | |
| Debt / EBITDA | 0.43 | 1.88 | 1.57 | 4.87 | 5.33 | 5.88 | 6.53 | 5.88 | 6.84 | 16.12 | 11.35 | 8.38 | 8.74 |
| — | -68.1% | -76.0% | -17.1% | -22.1% | -63.5% | -42.4% | -29.9% | -21.7% | +62.4% | +57.8% | +1.2% | +7.3% | |
| Current Ratio | 2.04 | 2.04 | 0.15 | 0.17 | 0.17 | 0.17 | 0.60 | 0.20 | 0.21 | 0.21 | 0.24 | 0.25 | 0.26 |
| — | +1088.3% | -74.4% | -15.0% | -18.7% | -19.3% | +153.1% | -20.1% | -17.6% | -15.6% | -6.1% | -7.9% | -3.5% | |
| Quick Ratio | 2.04 | 2.04 | 0.15 | 0.17 | 0.17 | 0.17 | 0.60 | 0.20 | 0.21 | 0.21 | 0.24 | 0.25 | 0.26 |
| — | +1088.3% | -74.4% | -15.0% | -18.7% | -19.3% | +153.1% | -20.1% | -17.6% | -15.6% | -6.1% | -7.9% | -3.5% | |
| Interest Coverage | 2.06 | 2.20 | 2.08 | 2.16 | 1.84 | 1.57 | 1.43 | 1.56 | 1.37 | 0.99 | 1.72 | 1.65 | 2.13 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Park National Corporation's current P/E is 15.7x. The average P/E over the last 4 quarters is 14.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Park National Corporation's current operating margin is 33.3%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Park National Corporation's business trajectory between earnings reports.