PRK

Park National

Fundamental data last updated:April 13, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NYSE

County of HQ

United States

Next Earnings Date

04/24/26

Business Summary

Park National operates as a traditional regional bank, generating cash primarily through net interest income on loans and securities while supplementing with fee-based services. Its moat is relationship-driven banking within its regional footprint, where local market knowledge and long-standing customer ties create stickiness in deposits and lending. The stability of its funding base and disciplined underwriting determine how effectively it converts deposits into profitable loan spreads. In a commoditized banking landscape, its competitive edge rests less on scale and more on credit quality, capital allocation discipline, and community entrenchment.

 


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VALUATION

P/E

15.6

Market Cap ($M USD)

$3,119

Forward P/E

13.8

PEG

4

PRICE TO SALES

5

PRICE TO BOOK

2.3

EV / EBITDA

-

5-Year Average P/E

Free Cash Flow Yield

DCF Value

Graham Number

Price to FCF

EV to FCF

Earnings Yield

FCF Yield

DIVIDEND

Yield

2.50%

Annual Payout

$4.31

Payout Ratio

38.30%

Consecutive Years of Dividend Growth

8

5-Year Dividend Growth Rate

1.30%

Financial Health & Profitability

Earnings Per Share

$11.18

Next Year EPS Growth Estimate

$12.52

Next Year Revenue Growth Estimate

3.60%

Return on Equity (ROE)

13.30%

FREE CASH FLOW

Operating Margin

42.00%

Debt-to-Equity

0

Piotroski F-Score

7

Altman Z-Score

0.5

Return on Invested Capital (ROIC)

21.00%

Current Ratio

-

Quick Ratio

Net Debt to EBITDA

Interest Coverage

Gross Profit margin

FCF PER SHARE

REVENUE PER SHARE

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Gainseekers Quantitative Analysis

Summary

At 15.6x earnings and 13.8x forward earnings, PRK screens as optically reasonable for a regional bank, but the PEG of 4 signals growth that is nowhere near sufficient to justify even that multiple. The 0.5 Altman Z-Score is the real flashing red light — that level implies material balance sheet stress risk, which is not something you dismiss in a leveraged financial institution. A 3.60% ROE is weak for a bank, yet ROIC sits at 21.00%, creating a strange profitability disconnect that demands scrutiny. The market is not clearly mispricing this — it appears to be assigning a middling valuation to a bank with fragile stability metrics and limited growth acceleration.

AI Exposure / Tech Reliance

As a regional bank in Financial Services, PRK’s AI exposure is indirect and operational rather than transformative. AI will likely impact cost efficiencies, underwriting precision, and fraud detection rather than top-line disruption. The industry’s tech evolution favors scale and data leverage, meaning execution—not innovation hype—will determine resilience.

The Bull Case

A value-oriented or GARP investor could justify ownership based on capital efficiency and operational discipline. A 21.00% ROIC is strong for a regional bank, and a Piotroski F-Score of 7 suggests solid underlying financial quality with improving fundamentals. Operating margins of 13.30% show the bank retains meaningful profitability, and a Debt/Equity ratio of 42.00% is not extreme relative to financial peers. With a forward P/E of 13.8 and estimated EPS next year of $11.18, there is a pathway to earnings-driven upside if execution stabilizes and the balance sheet concerns prove overstated.

The Bear Case

The bear case centers on structural fragility and poor growth efficiency. A PEG ratio of 4 indicates investors are paying a premium relative to expected growth, and the 0.5 Altman Z-Score raises serious solvency questions that cannot be ignored in a cyclical lending environment. ROE at just 3.60% signals weak shareholder capital productivity, and a Price/Sales ratio of 5 is not cheap for a regional bank with modest profitability. Even though short interest is only 1.30%, complacency rather than conviction may explain that figure — the risk is that deterioration happens faster than the market anticipates.

Market Sentiment & Smart Money

Short Interest %

2.20%

Analyst Consensus

3

Average Analyst Price Target

$178.17

Institutional Ownership %

51.60%

1-Year Beta

0.8

Insider Buying % (6 Mo)

2.20%%

Distance to 52-Week High

96.20%

Distance to 52-Week Low

123.50%

EARNINGS SURPRISE %

50-DAY SMA

200-DAY SMA

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.