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Company Analysis

Park National Corporation PRK

A comprehensive view of key metrics, scores, and financial health for Park National Corporation

Overview of Park National Corporation

PRK ASE
Financial Services Banks - Regional Framework: Banks & Lenders Mid Cap
Park National Corporation (PRK), is a Mid Cap company, in the Banks - Regional industry, last closed at $183.02, about 46.3% overvalued vs fair value, +18.8% 1Y return, placing in the top 10% of its sector.
Metrics P/E 13.7× Rev Growth 7.0% ROE 13.9% Gross Margin 97.9% Div Yield 3.67%
USD 183.02
4.24%
(Delayed)
• Vol 90d: 25.9%
52-Week Range
Market Cap
$3.31B
Enterprise Value
$2.74B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Good
Growth
Good
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Good
Completeness: 100%
Confidence: 97%
Updated: Oct 31
Top Beats

Quick Facts

Website https://investor.parknationalc...
HQ Newark, OH
Employees 1,589
Fiscal year Dec 31

Next Events

Dividend Dec 10 Ex-div: Nov 20
Earnings Jan 25 Estimated

Fair Value Snapshot

Bear Base Bull
$55
$98
$184
Current: $183.02 -46% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$544.5M
4.1%%
Interest Expense
$107.2M
Net Interest Income
$437.3M
9.9%%
Total Revenue
$557.2M
7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
13.3%
Good

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$110.1M
61.1% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
1
Active Leaks
1/1
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Park National Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
81
/100
Strong
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Capital Position Capital position is strong (score 0.96), exceeding regulatory minimums.
  • Strong Deposit Franchise Deposit franchise strength is evident (profitability score 0.80).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Strong
81
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing PRK's balance between Growth (20.4%), Profitability (40.0%), and Safety (39.6%). Growth 20% Safety 40% Profitability 40%

Click axes to expand details. Marker shows current allocation.

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Growth

39th percentile vs peers
40
Key Signals
NII Growth YoY 9.9% 49p EPS Growth YoY 19.2% 52p Equity Growth YoY 8.8% 47p Asset Growth YoY 0.0% 17p
Strengths
  • Net Interest Margin in top 20% of peers (4.5%, 90th percentile)
  • ROA in top 20% of peers (1.8%, 89th percentile)
  • ROE in top 20% of peers (13.9%, 82th percentile)
  • Debt/Assets in top 20% of peers (0.2%, 97th percentile)
  • D/E Ratio in top 20% of peers (1.3%, 96th percentile)
Risks
  • Asset Growth YoY in bottom 20% of peers (0.0%)
  • Growth below peer median (percentile: 39)

Profitability

77th percentile vs peers
77
Key Signals
Strengths
Risks
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Safety

76th percentile vs peers
77
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Park National Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$98.31
- - -
-46.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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