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PARK NATIONAL CORP (PRK) Stock Fundamental Analysis

NYSEARCA:PRK - NYSE Arca - US7006581075 - Common Stock - Currency: USD

147.76  -1.02 (-0.69%)

After market: 150.13 +2.37 (+1.6%)

Fundamental Rating

4

PRK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. PRK has a medium profitability rating, but doesn't score so well on its financial health evaluation. While showing a medium growth rate, PRK is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

In the past year PRK was profitable.
In the past year PRK had a positive cash flow from operations.
Each year in the past 5 years PRK has been profitable.
In the past 5 years PRK always reported a positive cash flow from operatings.
PRK Yearly Net Income VS EBIT VS OCF VS FCFPRK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

1.2 Ratios

Looking at the Return On Assets, with a value of 1.54%, PRK belongs to the top of the industry, outperforming 91.71% of the companies in the same industry.
With an excellent Return On Equity value of 12.17%, PRK belongs to the best of the industry, outperforming 82.66% of the companies in the same industry.
Industry RankSector Rank
ROA 1.54%
ROE 12.17%
ROIC N/A
ROA(3y)1.45%
ROA(5y)1.47%
ROE(3y)12.37%
ROE(5y)12.65%
ROIC(3y)N/A
ROIC(5y)N/A
PRK Yearly ROA, ROE, ROICPRK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

PRK's Profit Margin of 29.09% is amongst the best of the industry. PRK outperforms 80.40% of its industry peers.
PRK's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for PRK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 29.09%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.57%
PM growth 5Y2.26%
GM growth 3YN/A
GM growth 5YN/A
PRK Yearly Profit, Operating, Gross MarginsPRK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

PRK does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, PRK has more shares outstanding
PRK has less shares outstanding than it did 5 years ago.
The debt/assets ratio for PRK has been reduced compared to a year ago.
PRK Yearly Shares OutstandingPRK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
PRK Yearly Total Debt VS Total AssetsPRK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

PRK has a debt to FCF ratio of 1.65. This is a very positive value and a sign of high solvency as it would only need 1.65 years to pay back of all of its debts.
The Debt to FCF ratio of PRK (1.65) is comparable to the rest of the industry.
PRK has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of PRK (0.23) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 1.65
Altman-Z N/A
ROIC/WACCN/A
WACC11.31%
PRK Yearly LT Debt VS Equity VS FCFPRK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PRK Yearly Current Assets VS Current LiabilitesPRK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 19.36% over the past year.
PRK shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.45% yearly.
PRK shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.78%.
PRK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.68% yearly.
EPS 1Y (TTM)19.36%
EPS 3Y-0.25%
EPS 5Y7.45%
EPS Q2Q%56.95%
Revenue 1Y (TTM)11.78%
Revenue growth 3Y4.23%
Revenue growth 5Y5.68%
Sales Q2Q%21.63%

3.2 Future

Based on estimates for the next years, PRK will show a small growth in Earnings Per Share. The EPS will grow by 0.19% on average per year.
PRK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.64% yearly.
EPS Next Y-2.53%
EPS Next 2Y0.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.83%
Revenue Next 2Y4.64%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
PRK Yearly Revenue VS EstimatesPRK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M 500M
PRK Yearly EPS VS EstimatesPRK Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6 8

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2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 15.87 indicates a correct valuation of PRK.
Based on the Price/Earnings ratio, PRK is valued a bit more expensive than the industry average as 72.36% of the companies are valued more cheaply.
PRK is valuated rather cheaply when we compare the Price/Earnings ratio to 28.78, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 16.28, the valuation of PRK can be described as correct.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PRK indicates a slightly more expensive valuation: PRK is more expensive than 73.37% of the companies listed in the same industry.
PRK's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.32.
Industry RankSector Rank
PE 15.87
Fwd PE 16.28
PRK Price Earnings VS Forward Price EarningsPRK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

PRK's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 14.07
EV/EBITDA N/A
PRK Per share dataPRK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)2.13
EPS Next 2Y0.19%
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

PRK has a Yearly Dividend Yield of 2.88%.
PRK's Dividend Yield is comparable with the industry average which is at 3.52.
PRK's Dividend Yield is comparable with the S&P500 average which is at 2.46.
Industry RankSector Rank
Dividend Yield 2.88%

5.2 History

The dividend of PRK has a limited annual growth rate of 2.15%.
PRK has been paying a dividend for at least 10 years, so it has a reliable track record.
The dividend of PRK decreased recently.
Dividend Growth(5Y)2.15%
Div Incr Years1
Div Non Decr Years1
PRK Yearly Dividends per sharePRK Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4

5.3 Sustainability

51.18% of the earnings are spent on dividend by PRK. This is a bit on the high side, but may be sustainable.
The dividend of PRK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP51.18%
EPS Next 2Y0.19%
EPS Next 3YN/A
PRK Yearly Income VS Free CF VS DividendPRK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
PRK Dividend Payout.PRK Dividend Payout, showing the Payout Ratio.PRK Dividend Payout.PayoutRetained Earnings

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PARK NATIONAL CORP

NYSEARCA:PRK (4/25/2025, 8:04:01 PM)

After market: 150.13 +2.37 (+1.6%)

147.76

-1.02 (-0.69%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-18 2025-04-18/amc
Earnings (Next)07-21 2025-07-21/amc
Inst Owners56.54%
Inst Owner Change-38.91%
Ins Owners2.11%
Ins Owner Change2.63%
Market Cap2.39B
Analysts48
Price Target173.4 (17.35%)
Short Float %3.22%
Short Ratio9.41
Dividend
Industry RankSector Rank
Dividend Yield 2.88%
Yearly Dividend4.8
Dividend Growth(5Y)2.15%
DP51.18%
Div Incr Years1
Div Non Decr Years1
Ex-Date02-14 2025-02-14 (1.07)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.83%
Min EPS beat(2)1.6%
Max EPS beat(2)4.06%
EPS beat(4)4
Avg EPS beat(4)10.73%
Min EPS beat(4)1.6%
Max EPS beat(4)19.68%
EPS beat(8)6
Avg EPS beat(8)6.61%
EPS beat(12)9
Avg EPS beat(12)5.99%
EPS beat(16)12
Avg EPS beat(16)7.16%
Revenue beat(2)2
Avg Revenue beat(2)5.32%
Min Revenue beat(2)4%
Max Revenue beat(2)6.65%
Revenue beat(4)4
Avg Revenue beat(4)3.81%
Min Revenue beat(4)1.86%
Max Revenue beat(4)6.65%
Revenue beat(8)5
Avg Revenue beat(8)-0.19%
Revenue beat(12)7
Avg Revenue beat(12)0.95%
Revenue beat(16)10
Avg Revenue beat(16)1.15%
PT rev (1m)-4.4%
PT rev (3m)-6.08%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.17%
EPS NY rev (1m)0.01%
EPS NY rev (3m)2.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.76%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)4.31%
Valuation
Industry RankSector Rank
PE 15.87
Fwd PE 16.28
P/S 4.59
P/FCF 14.07
P/OCF 13.35
P/B 1.92
P/tB 2.24
EV/EBITDA N/A
EPS(TTM)9.31
EY6.3%
EPS(NY)9.07
Fwd EY6.14%
FCF(TTM)10.5
FCFY7.11%
OCF(TTM)11.07
OCFY7.49%
SpS32.22
BVpS76.97
TBVpS66.02
PEG (NY)N/A
PEG (5Y)2.13
Profitability
Industry RankSector Rank
ROA 1.54%
ROE 12.17%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.09%
GM N/A
FCFM 32.59%
ROA(3y)1.45%
ROA(5y)1.47%
ROE(3y)12.37%
ROE(5y)12.65%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.57%
PM growth 5Y2.26%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 1.65
Debt/EBITDA N/A
Cap/Depr 75.32%
Cap/Sales 1.76%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 112.05%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC11.31%
ROIC/WACCN/A
Cap/Depr(3y)62.3%
Cap/Depr(5y)111.55%
Cap/Sales(3y)1.68%
Cap/Sales(5y)2.88%
Profit Quality(3y)104.03%
Profit Quality(5y)94%
High Growth Momentum
Growth
EPS 1Y (TTM)19.36%
EPS 3Y-0.25%
EPS 5Y7.45%
EPS Q2Q%56.95%
EPS Next Y-2.53%
EPS Next 2Y0.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.78%
Revenue growth 3Y4.23%
Revenue growth 5Y5.68%
Sales Q2Q%21.63%
Revenue Next Year5.83%
Revenue Next 2Y4.64%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y18.19%
FCF growth 3Y5.82%
FCF growth 5Y11.9%
OCF growth 1Y18.34%
OCF growth 3Y4.37%
OCF growth 5Y9.89%