PRK
Financial ServicesPark National Corporation · Banks - Regional · $3B
What is Park National Corporation?
Park National Corporation is an Ohio-based bank holding company serving individuals and businesses across small and medium-sized communities. Through Park National Bank, it has built a regional presence spanning Ohio, Kentucky, North Carolina, and South Carolina.
Park National generates revenue primarily through traditional banking activities — accepting deposits and extending credit across commercial, real estate, and consumer loan categories. It also earns fee income through trust and wealth management services, cash management, and aircraft financing. The bank serves customers through nearly 100 financial service offices and a broad ATM network, complemented by digital banking tools including mobile and internet banking platforms.
Founded in 1908 and headquartered in Newark, Ohio, Park National has operated as a community-focused financial institution for well over a century.
- Commercial and industrial loans for businesses and property owners
- Consumer loans including auto loans, leases, and home equity lines
- Trust and wealth management services
- Cash management and electronic banking solutions
- Aircraft financing and asset management
Is PRK a Good Stock to Buy?
UQS Score rates PRK as Good overall, reflecting a balanced profile with meaningful strengths and some areas of concern.
The Quality pillar stands out as the clearest positive — Park National demonstrates the kind of financial discipline and operational consistency that tends to characterize well-run community banks. The Risk pillar also scores well, suggesting the bank manages credit and balance-sheet exposure in a measured way relative to peers. Valuation rounds out the positives, landing in a range that may appeal to investors seeking reasonable entry points in the regional banking space.
The Moat and Growth pillars are both rated Weak, indicating limited competitive differentiation and a slower-growth trajectory compared to higher-rated peers in the sector.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does PRK pay dividends?
Yes — Park National Corporation pays a dividend.
Park National pays a regular dividend, a practice consistent with its long-standing community bank identity. Regional banks with stable deposit bases and predictable earnings often return capital to shareholders through dividends rather than aggressive reinvestment. For income-oriented investors, PRK's dividend history reflects a management culture that prioritizes shareholder returns alongside prudent capital management.
When does PRK report earnings?
Park National Corporation reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
The bank's earnings profile reflects its community-focused model — relatively stable net interest income driven by loan and deposit activity across its regional footprint. Performance tends to track broader interest rate conditions and regional economic health rather than high-growth catalysts.
For the most recent quarter's results and guidance, visit Park National Corporation's investor relations page directly.
PRK Price History
+59.8% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Park National Corporation?
Based on Park National Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
PRK Long-term Outlook
Park National's fundamental outlook is shaped by its Good Risk profile and Weak Growth rating. The bank appears positioned for stability rather than acceleration — a profile common among well-managed community banks operating in mature regional markets. Upside may depend on interest rate dynamics and any expansion of its geographic footprint, while the Weak Moat rating suggests limited pricing power relative to larger or more specialized financial institutions.
Growth drivers
- Stable net interest income supported by a diversified loan portfolio
- Potential for fee income growth through trust and wealth management services
- Gradual geographic expansion across existing Southeast and Midwest markets
Key risks
- Limited competitive moat in a crowded regional banking landscape
- Sensitivity to interest rate shifts affecting net interest margins
- Slower organic growth relative to higher-rated financial sector peers
PRK vs Peers
Park National operates in a competitive regional banking landscape alongside several similarly sized institutions.
Bank of Hawaii focuses on the Pacific Islands market, giving it a geographically distinct deposit base and a different economic exposure than Ohio-centric Park National.
Seacoast operates primarily in Florida's faster-growing markets, which may offer stronger organic loan growth opportunities compared to Park National's Midwest and Southeast footprint.
Simmons First has pursued a more active acquisition-driven growth strategy across the South-Central US, contrasting with Park National's historically organic community banking approach.
Frequently Asked Questions
What does Park National Corporation do?
Park National Corporation is the holding company for Park National Bank, a community-focused institution offering commercial banking, consumer lending, trust services, and wealth management. It operates across Ohio and select counties in Kentucky, North Carolina, and South Carolina, serving individuals and businesses in small to medium-sized communities.
Does PRK pay dividends?
Yes, Park National pays a regular dividend. The company has a long history of returning capital to shareholders, consistent with its stable community banking model. Investors seeking income from regional bank stocks often consider PRK's dividend record as a key part of the investment case.
When does PRK report earnings?
Park National reports earnings quarterly, in line with standard US-listed bank holding company practice. For exact release dates and the most recent financial results, check the investor relations section of Park National Corporation's official website.
Is PRK a good stock to buy?
UQS Score rates PRK as Good overall. The Quality and Risk pillars are rated Strong and Good respectively, while Moat and Growth are rated Weak. Whether PRK fits your portfolio depends on your goals — Pro members can access the full pillar breakdown and underlying metrics to make a more informed assessment.
Is PRK overvalued?
The UQS Valuation pillar for PRK is rated Good, suggesting the stock is not trading at a significant premium relative to its fundamentals. That said, valuation is one of five pillars — the complete picture requires reviewing quality, growth, and risk factors together, all available in the full Pro analysis.
How does PRK compare to its competitors?
Compared to peers like Bank of Hawaii, Seacoast Banking, and Simmons First National, Park National stands out for its long-tenured community banking model and Ohio-centric footprint. Its Quality and Risk ratings are notable positives, though its Weak Moat and Growth ratings suggest it may lag peers with stronger competitive positioning or faster-growing markets.
What is PRK's market cap bracket?
Park National Corporation is classified as a mid-cap stock. This places it in a range that typically attracts investors looking for more established companies than small-caps but with potentially more upside than mega-cap financial institutions.
Who founded Park National Corporation?
Park National Bank traces its roots to 1908, making it one of Ohio's longer-standing community banking institutions. Detailed founding history and leadership background are publicly available through the company's official corporate history and investor relations materials.
Is PRK a long-term quality investment?
As a long-term quality indicator, PRK's Strong Quality pillar and Good Risk rating suggest financial discipline and measured risk management — traits that tend to support durability over time. However, the Weak Growth and Moat ratings indicate limited competitive advantages, which long-term investors should weigh carefully. The full UQS analysis is available to Pro members.
What is the main competitive advantage of Park National Corporation?
Park National's primary advantage lies in its deep community relationships and long-standing local presence across Ohio and neighboring states. However, the UQS Moat pillar is rated Weak, reflecting that this advantage may not be as durable or differentiated as those of larger or more specialized financial institutions.
What sector does PRK belong to?
Park National Corporation belongs to the Financial Services sector, specifically operating as a regional bank holding company. Regional banks like PRK are sensitive to interest rate cycles, local economic conditions, and credit quality — factors that the UQS Risk and Quality pillars help contextualize.
Is PRK a growth stock or value stock?
Based on its UQS profile, PRK leans toward the value side of the spectrum. The Growth pillar is rated Weak, suggesting limited near-term earnings acceleration, while the Valuation pillar is rated Good — a combination more typical of value-oriented community bank stocks than high-growth financial sector names.
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Pro Analysis
PRK — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 17, 2026 | 50.7 | 79.9 | 22.0 | 28.9 | 51.9 | 77.4 | -1.4 |
| May 7, 2026 | 52.1 | 82.2 | 22.0 | 28.9 | 60.8 | 74.4 | 0.0 |
| May 4, 2026 | 52.1 | 82.2 | 22.0 | 28.9 | 60.8 | 74.3 | +0.1 |
| May 3, 2026 | 52.0 | 82.2 | 22.0 | 28.6 | 60.8 | 73.9 | 0.0 |
| Apr 29, 2026 | 52.0 | 82.2 | 22.0 | 28.6 | 60.8 | 74.2 | +0.3 |
| Apr 28, 2026 | 51.7 | 82.2 | 22.0 | 27.8 | 60.8 | 73.0 | +0.2 |
| Apr 26, 2026 | 51.5 | 82.2 | 22.0 | 27.4 | 60.8 | 72.2 | +0.1 |
| Apr 19, 2026 | 51.4 | 82.2 | 22.0 | 27.4 | 60.8 | 71.4 | -0.1 |
| Apr 18, 2026 | 51.5 | 82.2 | 22.0 | 27.4 | 60.8 | 72.2 | -0.9 |
| Apr 12, 2026 | 52.4 | 82.2 | 22.0 | 27.4 | 60.8 | 78.3 | -0.4 |
PRK — Pillar Breakdown
Quality
— 79.3/100 (25%)Park National Corporation demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 28.9/100 (20%)Park National Corporation faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 51.9/100 (15%)Park National Corporation has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 75.9/100 (15%)Park National Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 22/100 (25%)Park National Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for PRK.
Score Composition
Financial Data
More Stock Analysis
How is the PRK UQS Score Calculated?
The UQS (Unified Quality Score) for Park National Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Park National Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Park National Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.