Park National (PRK) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Park National

NYSE American•Financial Services•Banks - Regional

$183.71-2.74(-0.01%)Pre-market

Market Cap

$3.32B

P/E

17.4x

P/S

4.5x

P/B

1.9x

Park National Corporation operates as the bank holding company for Park National Bank that provides commercial banking and trust services in small and medium population areas in the United States. The company offers deposits for demand, savings, and time accounts; trust and wealth management services; cash management services; safe deposit operations; electronic funds transfers; Internet and mobile banking solutions with bill pay service; credit cards; and various additional banking-related services. It also provides commercial loans, including financing for industrial and commercial properties, financing for equipment, inventory and accounts receivable, acquisition financing, and commercial leasing, as well as for consumer finance companies; commercial real estate loans comprising mortgage loans to developers and owners of commercial real estate; originates financing leases primarily for the purchase of commercial vehicles, operating/manufacturing equipment, and municipal vehicles/equipment; consumer loans, such as automobile, recreational vehicle, and watercraft loans; consumer finance services; home equity lines of credit; and residential real estate and construction loans, as well as installment loans and commercial loans. In addition, the company offers aircraft financing services; and ParkDirect, a personal banking application. Park National Corporation was founded in 1908 and is headquartered in Newark, Ohio.

How this company scores

ExcellentMetricSide Score: 85/100

Strongest: Profitability (23/25); weakest: Growth (18/25).

Profitability23/25

Growth18/25

Balance Sheet & Red Flags21/25

Cash & Earnings Quality23/25

Strengths

Strong marginsLow leverageCash-backed earningsConsistent free cash flow

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 17.4x5y range 11.3x – 19.8x

Currently near its 20-quarter median.

P/S · 4.5x5y range 2.7x – 4.7x

Currently near its 20-quarter median.

P/B · 1.9x5y range 1.4x – 2.2x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Share Dilution

Red Flag

Shares outstanding increased 12.0% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $3.32B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $738.16M
Q. Revenue: $211.87M
TTM EBITDA: $235.31M
TTM Op. Income: $235.31M
Q. Op. Income: $72.86M
TTM Net Income: $190.24M
Q. Net Income: $58.75M
EPS: $3.25
Shares Out.: $18.09M

$738.16M in TTM revenue grew 11.6% YoY, reaching $211.87M last quarter. TTM EBITDA of $235.31M and TTM operating income of $235.31M show growth is flowing through to the bottom line. TTM net income of $190.24M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 3 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 34.4%
Op. Margin: 34.4%
Net Margin: 27.7%

Op. margin of 34.4% is down 0.8% YoY — costs are rising relative to revenue. Net margin at 27.7% Over the past year, operating margin is down 2% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 17.4x
P/S Ratio: 4.5x
P/B Ratio: 1.9x

At 17.4x P/E, the stock trades within typical market levels. P/S of 4.5x and P/B of 1.9x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $12.68B
Cash: $580.31M
Long-Term Debt: $15.00M
Book Value: $1.73B
D/E Ratio: 0.0
Debt/EBITDA: 0.2

With $12.68B in assets and $15.00M in long-term debt, D/E is 0.0and book value is $1.73B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is down 94% — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $57.18M
TTM Free Cash Flow: $183.90M
FCF Margin: 24.9%
FCF / Net Income: 1.0

TTM FCF of $183.90M on $57.18M in operating cash flow. The FCF / Net Income ratio of 1.0x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 5% — an improving trend.