Park National Corporation Common Stock (PRK)

FairStock Score: 56/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Park National is the kind of plain, understandable bank I can study: it gathers deposits in small and medium population areas and earns a spread by lending prudently, plus fees from trust and wealth management. The business is not glamorous, but it has shown consistency. In fiscal Q2 2026, the quarter ended 2026-06-30, it reported revenue of $211.9M, net income of $58.8M, and diluted EPS of $3.23. For FY2025, revenue was $664.4M, net income $180.1M, and diluted EPS $11.11, up from FY2024 revenue $645.6M, net income $151.4M, and EPS $9.32. That is real progress, though FairStock's profit-growth reading is -1.11% and it classifies PRK as a slow grower, with profit rising 7.1% a year over five years. At the close on 2026-10-13, the price was $175.63. FairStock calculates a P/E of 15.70, a P/B of 1.84, ROE of 12.58%, and a dividend yield of 2.51%. A 1.84 times book multiple for a 12.58% ROE bank is not a Graham bargain; it is fair-to-full unless credit quality is impeccable. The Piotroski F-Score of 5/9 and a FairStock Score of 56/100 suggest neither deep value nor disaster. The balance sheet cannot be fully judged because CET1, net interest margin, and combined ratio are not in the data, nor are nonperforming loans or charge-offs. Beta of 0.71 suggests a steadier stock, but not a fortress. I would want a wider margin of safety before calling this a compelling value.

In plain English: Park National is a bank holding company that takes deposits, makes loans, and provides trust and wealth services in smaller U.S. communities. It is profitable and pays a moderate dividend, but profit growth has slowed and returns look only fair. At the recent price, the shares look more fairly valued than cheap.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer