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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. In the quarter to June 2026, revenue grew 25.6%, EPS grew 9.06% and free cash flow grew 4.77%, each against the same quarter a year earlier. Revenue growth for three consecutive years, operating cash flow growth for three.

178.65 0.62 +0.35%
Market cap
$3.2B
P/E
15.9×
Fwd P/E
14.7×
Dividend yield
1.85%
F-score
9/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 2.41%

Capital & Financial Ratios $m

Market Cap 3,220.00
Revenue 738.17
Net Income 190.24
Free Cash Flow 184.24
Net Debt (580.31)
Current Ratio 0.95
Debt/Equity 0.00
P/E ratio 15.91
Fwd P/E 14.70
P/S ratio 4.38
P/B ratio 1.87
Past 5Y EPS Growth 7.33%
This Y EPS Growth 15.42% (at or above 15%: strong)
Next Y EPS Growth 2.32%
Next Y revenue growth 4.03%
Next 5Y EPS Growth 6.59%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 55.03%
10-year low 10-year high
P/S against its own 10 years 75.75%
10-year low 10-year high
P/B against its own 10 years 42.06%
10-year low 10-year high

Dividends

Payout Ratio 0.30
Annual Dividend Rate 3.30
Annual Dividend Yield 1.85%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 4.40
1.10
1.10
1.10
2025 5.11
1.07
1.07
1.07
1.25
2024 4.24
1.06
1.06
1.06
1.06
2023 4.20
1.05
1.05
1.05
1.05
2022 4.16
1.04
1.04
1.04
1.04
2021 3.09
0.20
1.03
1.03
1.03
2020 4.08
1.02
1.02
1.02
1.02
2019 4.04
1.01
1.01
1.01
1.01
2018 2.86
0.94
0.25
0.96
0.96
2017 3.76
0.94
0.94
0.94
0.94
2016 3.76
0.94
0.94
0.94
0.94
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 218 161 234 580
Receivables — — — —
Inventory — — — —
Other — — — —
7,650 7,926 8,226 10,246
2023 2024 2025 Q'26
Payables 8,043 8,144 8,244 10,670
ST’ Debt — — — —
Other — — — —
8,378 8,242 8,330 10,814

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%

Revenue $m

Mar Jun Sep Dec Year
’26 189 212 — — —
’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.

EPS $

Mar Jun Sep Dec Year
’26 2.39 3.23 — — —
’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.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 79.01 92.42 79.27 84.60 64.53 103.16 112.78 90.28 123.08 137.97

Analyst estimates 2026–2028

Powerpack
High 122.88 120.66 119.00 105.52 109.78 145.33 151.59 143.11 207.99 179.48
People
People Employees 1,726 1,746 1,782 1,907 1,756 1,685 1,794 1,799 1,771 1,731
Revenue/emp, $m 0.21 0.21 0.23 0.24 0.28 0.28 0.29 0.31 0.36 0.38
Income, $m
Income, $m Revenue 360 373 412 458 483 476 514 564 646 664
Gross margin, % 89.41 88.56 89.34 86.29 93.78 96.65 93.93 82.53 80.65 83.86
EBT 123 118 131 125 155 188 180 154 185 221
EBT margin, % 34.11 31.77 31.88 27.26 31.99 39.56 35.10 27.22 28.62 33.31
Net income 86 84 110 103 128 154 148 127 151 180
Depreciation 10 10 3 0 (12) (11) 5 9 5 2
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
Earnings 5.62 5.51 7.13 6.33 7.85 9.45 9.13 7.84 9.38 11.18
Cash flow 5.73 5.67 8.52 6.88 6.85 9.66 8.41 9.35 11.08 12.31
Capex (0.49) (0.46) (0.74) (0.92) (1.76) (0.87) (0.49) (0.47) (0.57) (0.40)
Free cash flow 5.25 5.21 7.78 5.96 5.09 8.79 7.92 8.88 10.51 11.92
Book value 48.41 49.43 53.75 59.69 63.81 68.18 65.81 70.86 77.05 83.98
Shares, m 15 15 15 16 16 16 16 16 16 16
Valuation, ×
Valuation, × P/E 21.18 18.85 11.90 16.17 13.39 14.55 15.26 16.88 18.28 13.62
P/S 5.06 4.25 3.19 3.63 3.54 4.70 4.40 3.79 4.29 3.69
P/B 2.45 2.10 1.58 1.72 1.65 2.01 2.12 1.87 2.23 1.81
EV/Sales 6.70 5.18 3.80 3.74 3.23 4.64 4.40 3.74 4.33 3.62
EV/FCF 30.03 24.25 12.98 17.67 18.81 15.40 17.58 14.70 16.48 12.54
Cash, $m
Cash, $m Operating cash flow 88 87 132 112 112 157 137 151 179 198
Capex (7) (7) (12) (15) (29) (14) (8) (8) (9) (6)
Free cash flow 80 80 120 97 83 143 129 144 170 192
Balance, $m
Balance, $m Working capital (532) (697) (655) (657) (431) (1,116) (1,185) (728) (316) (103)
Total debt 739 515 415 208 220 188 189 189 190 —
Net debt 593 346 248 48 (150) (31) (1) (29) 29 (234)
Shareholders’ equity 742 756 833 969 1,040 1,111 1,069 1,145 1,244 1,353
Returns, %
Returns, % ROA 1.17 1.12 1.44 1.26 1.43 1.63 1.53 1.29 1.54 1.84
ROIC 5.75 6.72 7.60 7.67 10.86 10.90 10.56 8.60 9.07 12.36
ROE 11.84 11.24 13.90 11.40 12.73 14.31 13.61 11.45 12.68 13.87
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
FIBK First Interstate BancSystem, Inc. $3.3B 10.7× 13.4× −1.86% (below 0%: shrinking) +26.09% (above 0%: growing) −12.42% (below 0%: shrinking) 79.42% 0.00% Compare
MCHB Mechanics Bancorp $3.3B 11.6× 14.9× +32.34% (above 0%: growing) +18.88% (above 0%: growing) −31.39% (below 0%: shrinking) 76.78% 0.00% Compare
FFBC First Financial Bancorp. $3.3B 11.0× 9.7× +12.98% (above 0%: growing) 0.00% −101.00% (below 0%: shrinking) 74.47% 0.00% Compare
TOWN Towne Bank $3.3B 9.9× 8.3× +85.30% (above 0%: growing) +303.85% (above 0%: growing) +9.18% (above 0%: growing) 85.47% 0.00% Compare
PRK Park National Corporation $3.2B 15.9× 14.7× +25.60% (above 0%: growing) +9.06% (above 0%: growing) +4.77% (above 0%: growing) 84.20% 0.00%
SFNC Simmons First National Corporation $3.2B — (loss-making) 10.5× −0.49% (below 0%: shrinking) +6.98% (above 0%: growing) +89.30% (above 0%: growing) 69.90% 0.00% Compare
CBU Community Financial System, Inc. $3.1B 14.0× 13.3× +8.48% (above 0%: growing) +19.59% (above 0%: growing) +15.96% (above 0%: growing) 83.15% 0.00% Compare
SBCF Seacoast Banking Corporation of Florida $3.1B 20.5× 14.1× +30.05% (above 0%: growing) +10.00% (above 0%: growing) −19.23% (below 0%: shrinking) 73.47% 0.00% Compare
FHB First Hawaiian, Inc. $3.0B 10.8× 11.8× +0.67% (above 0%: growing) +3.45% (above 0%: growing) −93.83% (below 0%: shrinking) 79.03% 0.00% Compare
Median of peers $3.2B 11.0× 12.6× +10.73% +14.44% −15.82% 77.91% 0.00%

All 323 Banks Regional stocks →

Park National Corporation (PRK) key facts

  • Strength: Park National Corporation’s revenue for fiscal 2025 (year ended December 2025) was $664.4 million, up 2.92% from fiscal 2024.
  • Strength: Net income was $180.1 million, or $11.18 per share (basic), a net margin of 27.1%.
  • Park National Corporation (PRK) is a Banks Regional company in the Financial sector, listed on NYSE American.
  • As of October 16, 2026, PRK traded at $178.65, a market capitalization of $3.2 billion.
  • At that price the stock trades at 15.9× trailing-twelve-month earnings and 4.4× sales; its P/E is higher than 55% of its own readings over the past ten years.
  • Park National Corporation pays an annual dividend of $3.30 per share, a yield of 1.85%, with a payout ratio of 29.5%.
  • Return on equity was 13.9% and debt-to-equity 0.00.
  • Its Piotroski F-score is 9 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

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stockrow.com/PRK · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com