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Park National Corporation

PRK Financial Banks Regional

Park National Corporation’s revenue for fiscal 2025 (year ended December 2025) was $664.4 million, up 2.92% from fiscal 2024.

Revenue
+24.2%
EPS
+7.57%
Free cash flow
+4.77%

Quarter to September 2026, against a year earlier

179.63 3.08 −1.69%
Market cap
$3.3B
P/E
15.7×
Fwd P/E
14.6×
Dividend yield
1.84%
F-score
9/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 2.29%

Capital & Financial Ratios $m

Size
Market Cap 3,250.00
Revenue ttm 779.13
Net income ttm 190.24
Free cash flow ttm 184.24
Net debt Q (539.47)
Valuation
P/E 15.69
Forward P/E 14.60
Price / sales 4.16
Forward P/S Powerpack
Price / FCF 17.61
Price / book 1.89
Financial health
Current ratio Q 0.95
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +24.17% (above 0%: growing)
Operating income growth Q +21.86% (above 0%: growing)
EPS, this year +15.54% (at or above 15%: strong)
EPS, next year A +1.50%
Revenue, next year A +4.05%
EPS, past 5 yrs +7.33%
EPS, next 5 yrs A +6.50%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 50.97%
10-year low 10-year high
P/S against its own 10 years 57.35%
10-year low 10-year high
P/B against its own 10 years 45.51%
10-year low 10-year high

Dividends

Yield
1.84%
Annual rate
3.30
Payout ratio
29.0%
Growth, 2017–25
−1.96%/yr
  1. 3.76 ’17
  2. 3.82 ’18 +2
  3. 3.03 ’19 −21
  4. 4.08 ’20 +35
  5. 2.06 ’21 −50
  6. 3.12 ’22 +51
  7. 4.20 ’23 +35
  8. 3.18 ’24 −24
  9. 3.21 ’25 +1
  10. 5.70 ’26e +77
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 218 161 234 539
Receivables — — — —
Inventory — — — —
Other — — — —
7,650 7,926 8,226 10,203
2023 2024 2025 Q'26
Payables 8,043 8,144 8,244 10,624
ST’ Debt — — — —
Other — — — —
8,378 8,242 8,330 10,775

Compound Annual Growth %

10y 5y 3y
Sales 6.85% 6.57% 8.92%
Cash Flow 8.31% 12.18% 13.22%
Earnings 8.32% 7.08% 6.67%
Book Value 6.61% 5.39% 8.16%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 3.31 Actual 3.37

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 2.77 2.93 Beat by 0.16
Q1 FY26 2.66 3.06 Beat by 0.40
Q2 FY26 3.01 3.40 Beat by 0.39
Q3 FY26 3.31 3.37 Beat by 0.06
Q4 FY26 3.31 — Reports 25 January 2027

EPS $

Mar Jun Sep Dec Year
’26 2.39 3.23 3.13 — —
’25 2.60 2.97 2.92 2.63 11.11
’24 2.17 2.42 2.35 2.37 9.32
’23 2.07 1.94 2.28 1.51 7.80
’22 2.38 2.10 2.57 2.02 9.06
’21 2.61 2.38 2.16 2.23 9.37
’20 1.36 1.80 1.88 2.75 7.80
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 189 212 210 — —
’25 158 169 170 168 664
’24 153 158 170 165 646
’23 135 140 149 141 564
’22 113 120 147 135 514
’21 119 119 118 119 476
’20 111 118 126 127 483
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 31 57 — — —
’25 38 50 53 58 198
’24 35 51 44 49 179
’23 24 33 40 54 151
’22 28 28 33 47 137
’21 46 34 32 45 157
’20 9 (54) 98 59 112
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 27 50 — — —
’25 37 48 51 56 192
’24 32 49 42 47 170
’23 22 32 38 52 144
’22 26 27 30 46 129
’21 42 31 30 41 143
’20 2 (62) 91 51 83
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 360 373 412 458 483 476 514 564 646 664 779 +7.0% 691 714 736 +3.4%
Gross margin, % 89.41 88.56 89.34 86.29 93.78 96.65 93.93 82.53 80.65 83.86 84.66 (5.5) pt
EBT 123 118 131 125 155 188 180 154 185 221 248 +6.8%
EBT margin, % 34.11 31.77 31.88 27.26 31.99 39.56 35.10 27.22 28.62 33.31 31.83 (0.8) pt
Net income 86 84 110 103 128 154 148 127 151 180 190 +8.5%
Per share, $
Per share, $ Revenue 23.50 24.38 26.59 28.19 29.65 29.21 31.65 34.91 39.99 41.24 43.13 +6.5%
Earnings 5.62 5.51 7.13 6.33 7.85 9.45 9.13 7.84 9.38 11.18 11.45 +7.9%
Cash flow 5.73 5.67 8.52 6.88 6.85 9.66 8.41 9.35 11.08 12.31 0.00 +8.9%
Capex (0.49) (0.46) (0.74) (0.92) (1.76) (0.87) (0.49) (0.47) (0.57) (0.40) 0.00 (2.3%)
Free cash flow 5.25 5.21 7.78 5.96 5.09 8.79 7.92 8.88 10.51 11.92 0.00 +9.5%
Book value 48.41 49.43 53.75 59.69 63.81 68.18 65.81 70.86 77.05 83.98 94.94 +6.3%
Shares, m 15 15 15 16 16 16 16 16 16 16 17 +0.6%
Valuation, ×
Valuation, × P/E 21.18 18.85 11.90 16.17 13.39 14.55 15.26 16.88 18.28 13.62 15.69 16.0
P/S 5.06 4.25 3.19 3.63 3.54 4.70 4.40 3.79 4.29 3.69 4.16 4.1
P/B 2.45 2.10 1.58 1.72 1.65 2.01 2.12 1.87 2.23 1.81 1.89 2.0
EV/Sales 6.70 5.18 3.80 3.74 3.23 4.64 4.40 3.74 4.33 3.62 — 4.3
EV/FCF 30.03 24.25 12.98 17.67 18.81 15.40 17.58 14.70 16.48 12.54 — 18.0
Cash, $m
Cash, $m Operating cash flow 88 87 132 112 112 157 137 151 179 198 199 +9.5%
Capex (7) (7) (12) (15) (29) (14) (8) (8) (9) (6) (15) (1.7%)
Free cash flow 80 80 120 97 83 143 129 144 170 192 184 +10.1%
Balance, $m
Balance, $m Working capital (532) (697) (655) (657) (431) (1,116) (1,185) (728) (316) (103) (573) (16.7%)
Net debt 593 346 248 48 (150) (31) (1) (29) 29 (234) (539) n/m
Shareholders’ equity 742 756 833 969 1,040 1,111 1,069 1,145 1,244 1,353 1,715 +6.9%
Returns, %
Returns, % ROA 1.17 1.12 1.44 1.26 1.43 1.63 1.53 1.29 1.54 1.84 1.78 +0.7 pt
ROIC 5.75 6.72 7.60 7.67 10.86 10.90 10.56 8.60 9.07 12.36 13.19 +6.6 pt
ROE 11.84 11.24 13.90 11.40 12.73 14.31 13.61 11.45 12.68 13.87 13.13 +2.0 pt
People
People Employees 1,726 1,746 1,782 1,907 1,756 1,685 1,794 1,799 1,771 1,731 — 0.0%
Revenue/emp, $m 0.21 0.21 0.23 0.24 0.28 0.28 0.29 0.31 0.36 0.38 — +7.0%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Park National Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FFBC First Financial Bancorp. $3.4B 11.3× 10.5× +13.34% (above 0%: growing) +2.75% (above 0%: growing) −101.00% (below 0%: shrinking) 74.64% 0.00% Compare
MCHB Mechanics Bancorp $3.4B 11.9× 16.4× +32.34% (above 0%: growing) +18.88% (above 0%: growing) −31.39% (below 0%: shrinking) 76.78% 0.00% Compare
CBU Community Financial System, Inc. $3.4B 14.7× 13.6× +6.18% (above 0%: growing) +11.54% (above 0%: growing) +15.96% (above 0%: growing) 83.56% 0.00% Compare
TOWN Towne Bank $3.4B 10.2× 8.6× +85.30% (above 0%: growing) +303.85% (above 0%: growing) +9.18% (above 0%: growing) 85.47% 0.00% Compare
SFNC Simmons First National Corporation $3.4B 12.9× 12.8× +180.46% (above 0%: growing) n/m +89.30% (above 0%: growing) 70.51% 0.00% Compare
PRK Park National Corporation $3.3B 15.7× 14.6× +24.17% (above 0%: growing) +7.57% (above 0%: growing) +4.77% (above 0%: growing) 84.27% 0.00%
SBCF Seacoast Banking Corporation of Florida $3.3B 18.8× 16.4× +29.89% (above 0%: growing) +48.07% (above 0%: growing) −19.23% (below 0%: shrinking) 73.05% 0.00% Compare
BKU BankUnited, Inc. $3.2B 11.9× 11.2× −5.99% (below 0%: shrinking) +6.25% (above 0%: growing) +9.39% (above 0%: growing) 62.35% 0.00% Compare
FHB First Hawaiian, Inc. $3.1B 11.2× 12.4× −2.99% (below 0%: shrinking) −11.86% (below 0%: shrinking) +105.64% (above 0%: growing) 79.21% 0.00% Compare
Median of peers $3.4B 11.9× 12.6× +21.62% +11.54% +9.29% 75.71% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 9 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 2.98m 2.51m 170.89
2024 2.66m 3.35m 186.08
2023 2.19m 1.87m 139.96
2022 2.18m 2.25m 144.11
2021 2.33m 2.92m 135.56

Ownership

Directors and executive officers, together 2.20%
BlackRock, Inc.55 East 11.60%
The Vanguard Group100 Vanguard Blvd.Malvern, PA 9.40%
Wealth Management Department of Park National Bank50 North Third StreetNewark, OH 7.90%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Park National Corporation (PRK) Latest News

27 Oct

Impact 4 · · Zacks
Impact 4 · · GlobeNewswire
Impact 3 · · Simply Wall St.
Impact 3 · · Zacks
Impact 3 · · Associated Press FinanceAssociated Press FinanceAssociated Press FinanceAssociated Press FinanceMT NewswiresAssociated Press FinanceMT NewswiresAssociated Press Finance

26 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · Associated Press

20 Oct

Impact 3 · · Zacks

19 Oct

Impact 4 · · Zacks

17 Oct

Impact 4 · · Simply Wall St.

3 Aug

Impact 3 ·

27 Jul

Impact 3 ·
Impact 3 ·
Impact 3 ·

4 May

Impact 3 · · Zacks

3 May

Impact 3 · · Simply Wall St.

24 Apr

Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · GlobeNewswire

5 Feb

Impact 4 ·

2 Feb

Impact 4 · · GlobeNewswire

29 Jan

Impact 4 · · Simply Wall St.

26 Jan

Impact 4 · · Zacks
Impact 4 · · GlobeNewswire
Impact 3 · · Zacks
Impact 3 · · Associated Press Finance

4 Nov

Impact 4 · · Business WireMT NewswiresBanking DiveGuruFocus.com

29 Oct

Impact 4 · · bankingdive.com
Impact 4 · · Simply Wall St.

PRK metrics, ten years each

stockrow.com/PRK · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com