Park National Corporation (PRK) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Park National Corporation stock $73.21, price $177, that is 58.6% below the price, quality 53 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Park National Corporation
PRK · USOur calculation puts a fair price 59% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $84.65 – $211.40 · fair‑value band $61.16 – $104.29 · the $176.95 price screens above the $73.21 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Company profile
Park National Corporation operates as the bank holding company for Park National Bank that provides commercial banking and trust services in small and medium population areas in the United States.
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The company offers deposits for demand, savings, and time accounts; trust and wealth management services; cash management services; safe deposit operations; electronic funds transfers; Internet and mobile banking solutions with bill pay service; credit cards; and various additional banking-related services.
It also provides commercial loans, including financing for industrial and commercial properties, financing for equipment, inventory and accounts receivable, acquisition financing, and commercial leasing, as well as for consumer finance companies; commercial real estate loans comprising mortgage loans to developers and owners of commercial real estate; originates financing leases primarily for the purchase of commercial vehicles, operating/manufacturing equipment, and municipal vehicles/equipment; consumer loans, such as automobile, recreational vehicle, and watercraft loans; consumer finance services; home equity lines of credit; and residential real estate and construction loans, as well as installment loans and commercial loans.
In addition, the company offers aircraft financing services; and ParkDirect, a personal banking application. Park National Corporation was founded in 1908 and is headquartered in Newark, Ohio.
Stock analysis
Park National Corporation (PRK) currently trades at $176.95, while our model-based Fair Value estimate is $73.21, 59% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $110.94 per share, and 0 of the 6 models we run sit above the $176.95 price.
Bear case: the Asset-Based group reads lowest at $44.17, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $61.16 (bear) to $104.29 (bull), the price of $176.95 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 53/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Park National Corporation reported revenue of $664M in FY2025 versus $476M in FY2021, a compound +8.7%/yr. Reported net income was $180M in FY2025, compounding +4.0%/yr from FY2021.
Key figures
Market cap $3.2B Mid · P/E ratio 15.9 · P/S ratio 5.18 · EPS (TTM) $11.11 · Dividend yield 2.5% · Net margin 31.3% · Return on equity 12.6% · Return on assets (EBIT) 1.9% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 71 out of 100 (low confidence).
What moves the price
The share trades about 16% below its 52-week high and 22% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −59%, PRK screens richer than that median.
Fair Value models
All 6 models by family
The fair value above starts from this blend and is adjusted for dilution from new shares.
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, no officer or director bought or sold shares on the open market.
Plus 10 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
PRK screens overvalued: fair value 59% below the price. Compare with China Merchants Bank Co →
Earlier news
- Park National (PRK) Stock Price Stalls After Q3 Earnings Efficiency Warning
- Here's What Key Metrics Tell Us About Park National (PRK) Q3 Earnings
- Park National (PRK) Q3 Earnings and Revenues Surpass Estimates
- Park National: Q3 Earnings Snapshot
Compare Park National Corporation with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- P/B ratio by industry
- Net margin by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs PRK |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs PRK |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs PRK |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs PRK |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs PRK |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs PRK |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs PRK |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs PRK |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs PRK |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs PRK |
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Key figures of Park National Corporation
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