Park National Corporation (PRK)
Valuation Overview•Is Park National Corporation Overvalued or Undervalued?
Priced at a premium to peer multiples and intrinsic cash flows, demanding strong execution to justify current levels.
High-quality fundamentals with a strong composite quality score of 77/100, backed by robust profitability and solvency.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Solid fundamental quality, though growth presents a headwind.
Wall Street is broadly bullish, projecting solid upside alongside robust expected earnings growth. This is paired with healthy capital returns, anchored by a strong, well-covered dividend yield.
PRK demonstrates strong business quality with robust profitability and healthy margins. This is backed by a fortress balance sheet, holding significant net cash ($38M) and minimal debt risk.
The company maintains stable top-line performance paired with stable bottom-line earnings. This growth is supported by elite operational efficiency, sustaining an impressive 33.3% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $168.3M | +2.9% | — | — | +6.8% | |
| EBITDA | $52.7M | — | +5.8% | — | — | |
| Net Income | $42.6M | +18.9% | +6.7% | — | +8.3% | |
| EPS (Diluted) | $2.63 | +19.2% | +7.0% | +7.3% | +7.8% | |
| Free Cash Flow | $55.7M | +13.1% | +14.8% | +18.3% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 82.1% | 80.8% | 86.9% | 88.5% |
| Operating Margin | 33.3% | 29.7% | 32.8% | 33.2% |
| Net Margin | 27.1% | 24.3% | 26.8% | 25.9% |
| FCF Margin | 28.9% | 26.8% | 27.1% | 24.9% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | $2.66 | $3.06 | +15.0% | ||
| Q1'26 | $2.77 | $2.93 | +5.8% | ||
| Q4'25 | $2.74 | $2.87 | +4.7% | ||
| Q3'25 | $2.45 | $2.90 | +18.4% | ||
| Q2'25 | $2.15 | $2.57 | +19.5% | ||
| Q1'25 | $2.24 | $2.36 | +5.4% | ||
| Q4'24 | $2.29 | $2.35 | +2.6% | ||
| Q3'24 | $2.00 | $2.42 | +21.0% |
Total return is +14.5% (1Y), lagging the benchmark by -10.5%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +15.9% | +6.6% | — |
| 1Y | +14.5% | -10.5% | +3.5% |
| 3YCAGR | +21.3% | +1.0% | +13.6% |
| 5YCAGR | +11.1% | -2.6% | +19.9% |
| 10YCAGR | +9.3% | -4.1% | — |
The S&P 500 is at 31.3x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Park National Corporation (PRK) valuation, health, and returns.
Park National Corporation is estimated to be overvalued under our discounted cash flow framework. relative multiples indicate the stock is Expensive versus peers compared to industry peers. overvalued (implying -20.1% downside from DCF intrinsic value of $141.09)
Park National Corporation has multiple valuation anchors: DCF Intrinsic Value: $141.09 | Peer Relative Fair Value: $130.36 | Wall Street Analyst Target: $188.00 (implying +6.4% upside). A convergence of these signals offers higher conviction.
Park National Corporation displays good financial health with a composite quality score of 77/100, supported by a Piotroski F-Score of 9/9, Return on Invested Capital (ROIC) of 11.1%.
Park National Corporation pays a 3.1% dividend yield, covered by a 50% payout ratio with 5 years of growth, supplemented by a 0.6% buyback yield.
Park National Corporation's current growth trajectory is Decelerating. The company achieved +2.9% 1Y revenue growth and +19.2% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Hold based on 3 analysts, beating EPS expectations in 83% of recent quarters with a 9-quarter streak. The consensus price target represents a +6.4% change from current levels.
Investment risks for Park National Corporation include: -15.8% 1-year max drawdown. Volatility risk is characterized by a beta of 0.66x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.