Park National Corporation (PRK) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Park National Corporation $87.41, price $179, upside -51.2%, quality 65 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $85.11 – $212.56 · fair‑value band $71.80 – $138.43 · the $179.22 price screens above the $87.41 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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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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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. 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 $179.22, while our model-based Fair Value estimate is $87.41, implying the stock looks roughly 105.0% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $104.66 per share, and 0 of the 6 models we run sit above the $179.22 price.
Bear case: the Asset-Based group reads lowest at $50.09, and 6 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $71.80 (bear) to $138.43 (bull), the price of $179.22 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 65/100 (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 $3.4B · P/E ratio 16.5 · P/S ratio 4.46 · EPS (TTM) $10.89 · Dividend yield 2.4% · Net margin 27.1% · Return on equity 12.1% · Return on assets (EBIT) 1.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (low confidence).
What moves the price
The share trades about 16% below its 52-week high and 23% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −51%, PRK screens richer than that median.
Fair Value models
Bear $71.80Fair Value $87.41Bull $138.43
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($4.81 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.83/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+2.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.6%
Start year 2020 (pandemic). Over 10 years: +6.8% a year
Revenue growth 35 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.0%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+9.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+7.4%
Dividend (yield on the price)2.4%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.7% vs 7%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.32% → 33%
Start year 2020 (pandemic)
Growth Forecast
Price in line with expectations
The price assumes less growth than the company has delivered so far and about what analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+1.7%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+2.7%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −0.7% a year for the price and +0.3% for the forecasts.
Compare Park National Corporation with another stock
Price, fair value, quality and upside side by side.
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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 · 1074 stocks
Beats the industry median on 6/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score62 · Top 25%
Fair Value upside−51% · Bottom 25%
Profitability
Return on equity (TTM)12% · Above median
Return on assets2% · Top 25%
Net margin (TTM)31% · Above median
Operating margin (TTM)45% · Above median
Growth and dividend
Revenue growth21% · Top 25%
Dividend yield (TTM)2.4% · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)16.5× · Priciest 25%
P/B2.55× · Priciest 25%
P/S (TTM)6.02× · Priciest 25%
P/FCF18.0× · Priciest 25%
EV/EBITDA14.4× · Pricier than median
PEG3.47× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 11
FUTURE (revenue growth)100· sector 45
PAST (return on equity)48· sector 41
HEALTH (low debt)100· sector 85
DIVIDEND (yield)48· sector 53
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Park National Corporation Fair Value". https://www.fairvalue-calculator.com/stock/PRK
Frequently asked questions
Is Park National Corporation (PRK) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $87.41 versus a price of $179.22, about −51% upside (overvalued).
What is the fair value of PRK?
Our model-based fair value for Park National Corporation is $87.41 (as of Sep 24, 2026), built from audited fundamentals. The current price: $179.22.
What is the quality score of PRK?
Park National Corporation has a Quality Score of 65/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Park National Corporation (PRK)?
Our model-based price target is the fair value of $87.41 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario $71.80, optimistic scenario $138.43. It is a calculation from audited fundamentals, not an analyst target.
What is the Park National Corporation stock forecast for 2026?
Our models put fair value at $87.41, about −51% upside versus a price of $179.22 (overvalued). Cautious scenario $71.80, optimistic scenario $138.43. The calculation is refreshed regularly with new filings.
What is the revenue of Park National Corporation (PRK)?
Park National Corporation reported trailing-twelve-month revenue of about $573M (latest available figure, as of Sep 24, 2026).
Does Park National Corporation pay a dividend?
Park National Corporation currently shows a dividend yield of about 2.40% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Park National Corporation (PRK)?
For today's price to be fair in a discounted-cash-flow model, Park National Corporation would have to grow free cash flow by +1.7 % per year for five years (discount rate 9.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +6.6 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of PRK use?
Our models discount Park National Corporation at 9.0 %: a base by market capitalisation (mid), damped by beta 0.69, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Park National Corporation that is +1.7 % per year a year over ten years, using the same discount rate (9.0 %) and the same formula as our fair value.
How much growth has Park National Corporation (PRK) delivered so far?
Over the past 5 years revenue at Park National Corporation grew +6.6 % a year. The price currently implies +1.7 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Park National Corporation (PRK) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Park National Corporation (+1.7 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Park National Corporation (PRK)?
The free-cash-flow yield on the price is 6.62 %: that much free cash flow Park National Corporation produces per unit of market value. When it exceeds the discount rate of our models (9.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Park National Corporation (PRK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Park National Corporation it is $87.41 per share (as of Sep 24, 2026), against a price of $179.22. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Park National Corporation stock overvalued or undervalued in 2026?
As of Sep 24, 2026, PRK trades above its calculated fair value: price $179.22, fair value $87.41, a gap of about −51% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PRK?
No. The price is what the market pays today ($179.22); the fair value is what the company's own numbers justify ($87.41). For Park National Corporation the two are $91.81 per share apart. That gap is exactly why we show both numbers side by side.
How much is Park National Corporation worth?
The market values Park National Corporation at about $3.4B (market capitalisation, as of Sep 24, 2026). Per share that is $179.22; our models calculate a fair value of $87.41 per share.
What do the bullish and bearish scenarios say about PRK?
Our models span a range for Park National Corporation: cautious scenario $71.80, base $87.41, optimistic $138.43 per share (as of Sep 24, 2026, price $179.22). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PRK?
Park National Corporation trades at a price-to-earnings ratio of 16.5 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $87.41 is built from several models across several years. Other multiples: PEG 3.5, P/B 2.6, P/S 6.0, EV/EBITDA 14.4.
What is the PEG ratio of PRK?
The PEG ratio of Park National Corporation is 3.47 (P/E divided by earnings growth, as of Sep 24, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Park National Corporation (PRK)?
Balance-sheet figures for Park National Corporation (as of Sep 24, 2026): return on equity 12.1%. They feed the Quality Score of 65/100, which measures business quality independently of the share price.
How far is PRK from its 52-week high?
Park National Corporation trades at $179.22, about 16% below its 52-week high of $212.56 and 23% above the low of $145.55 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $87.41 is for.
Which stocks are comparable to Park National Corporation?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Park National Corporation stock attractive at the current price?
The data as of Sep 24, 2026: price $179.22, calculated fair value $87.41 (−51%), Quality Score 65/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PRK calculated?
We run Park National Corporation through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $87.41, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Park National Corporation itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Park National Corporation (PRK)?
The closing price on Sep 23, 2026 was $179.22. Our model-based fair value is $87.41, about −51% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Park National Corporation right now?
The price sits above even our optimistic bull case ($138.43). The favourable scenario is already priced in. Solid but not exceptional quality (65/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range ($71.80 to $138.43) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Park National Corporation (PRK) come from?
Earnings per share at Park National Corporation grew +6.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +6.5 %, EBIT margin −2.6 %, tax rate +1.7 %, residual (interest, one-offs) +0.8 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Park National Corporation
How large is the market capitalisation of Park National Corporation (PRK)?
The market capitalisation of Park National Corporation is $3.4B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Park National Corporation (PRK)?
The price-to-sales ratio of Park National Corporation is 4.46 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Park National Corporation (PRK)?
Earnings per share at Park National Corporation are $10.89 (price ÷ EPS = P/E 16.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Park National Corporation (PRK)?
The dividend yield of Park National Corporation is 2.4% (payout 39.6%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Park National Corporation (PRK)?
The net margin of Park National Corporation is 27.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Park National Corporation (PRK)?
The return on equity (ROE) of Park National Corporation is 12.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Park National Corporation (PRK)?
On an EBIT basis the return on assets of Park National Corporation is 1.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Park National Corporation (PRK)?
The operating margin of Park National Corporation is 45.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Park National Corporation (PRK)?
Revenue at Park National Corporation is growing +21.2% versus a year earlier (3y avg +8.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Park National Corporation (PRK)?
Earnings per share at Park National Corporation are growing −8.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Park National Corporation (PRK) hold?
Park National Corporation holds more cash than debt, $38.5M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Broad data
Sep 24, 2026