📊 PRK Key Takeaways
Is Park National Corp. /Oh/ (PRK) a Good Investment?
Park National Corp demonstrates solid balance sheet strength with zero long-term debt and substantial liquidity, but profitability metrics reveal significant operational challenges including minimal ROE (2.5%) and ROA (0.3%) that suggest poor capital efficiency. While 22% revenue growth is encouraging, flat net income growth and declining operating margins indicate the bank is struggling to convert topline expansion into shareholder returns.
Park National Corp. /Oh/ Key Strengths (PRK)
- Strong revenue growth of 22% YoY demonstrates market demand
- Fortress balance sheet with zero long-term debt and 983M cash position
- Stable net margin of 22.1% with positive free cash flow generation of 26.6M
PRK Stock Risks: Park National Corp. /Oh/ Investment Risks
- Critically low ROE of 2.5% and ROA of 0.3% indicate poor returns on shareholder capital compared to banking peers
- Net income stagnated at 0% YoY growth despite 22% revenue increase, signaling margin compression and operational inefficiency
- Operating cash flow (30.9M) falls short of net income (41.7M), raising cash quality concerns and sustainability questions
Key Metrics to Watch
- Return on Equity trend and path to normalizing to peer levels (10-15%)
- Net income growth acceleration and margin expansion in next quarter
- Operating cash flow to net income ratio convergence
Park National Corp. /Oh/ (PRK) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
PRK Profit Margin, ROE & Profitability Analysis
PRK vs Finance Sector: How Park National Corp. /Oh/ Compares
How Park National Corp. /Oh/ compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Park National Corp. /Oh/ Stock Overvalued? PRK Valuation Analysis 2026
Based on fundamental analysis, Park National Corp. /Oh/ has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Park National Corp. /Oh/ Balance Sheet: PRK Debt, Cash & Liquidity
PRK Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Park National Corp. /Oh/'s revenue has shown modest growth of 3% over the 5-year period. The most recent EPS of $7.80 reflects profitable operations.
PRK Revenue Growth, EPS Growth & YoY Performance
PRK Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $157.9M | $41.7M | $2.39 |
| Q3 2025 | $169.5M | $38.2M | $2.35 |
| Q2 2025 | $157.7M | $39.4M | $2.42 |
| Q1 2025 | $152.8M | $35.2M | $2.17 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Park National Corp. /Oh/ Dividends, Buybacks & Capital Allocation
PRK SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Park National Corp. /Oh/ (CIK: 0000805676)
📋 Recent SEC Filings
❓ Frequently Asked Questions about PRK
What is the AI rating for PRK?
Park National Corp. /Oh/ (PRK) has an AI grade of B with 58% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PRK's key strengths?
Claude: Strong revenue growth of 22% YoY demonstrates market demand. Fortress balance sheet with zero long-term debt and 983M cash position.
What are the risks of investing in PRK?
Claude: Critically low ROE of 2.5% and ROA of 0.3% indicate poor returns on shareholder capital compared to banking peers. Net income stagnated at 0% YoY growth despite 22% revenue increase, signaling margin compression and operational inefficiency.
What is PRK's revenue and growth?
Park National Corp. /Oh/ reported revenue of $188.5M.
Does PRK pay dividends?
Park National Corp. /Oh/ does not currently pay dividends.
Where can I find PRK SEC filings?
Official SEC filings for Park National Corp. /Oh/ (CIK: 0000805676) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is PRK's EPS?
Park National Corp. /Oh/ has a diluted EPS of $2.39.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is PRK's fundamental grade?
Based on our AI fundamental analysis in May 2026, Park National Corp. /Oh/ has a B grade with 58% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is PRK stock overvalued or undervalued?
Valuation metrics for PRK: ROE of 2.5% (sector avg: 12%), net margin of 22.1% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is PRK's AI grade for 2026?
Our dual AI analysis gives Park National Corp. /Oh/ a combined B grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is PRK's free cash flow?
Park National Corp. /Oh/'s operating cash flow is $30.9M, with capital expenditures of $4.3M. FCF margin is 14.1%.
How does PRK compare to other Finance stocks?
Vs Finance sector averages: Net margin 22.1% (avg: 25%), ROE 2.5% (avg: 12%), current ratio N/A (avg: 1.2).