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Park National (PRK) Financials

Park National logo
$167.69 +3.85 (+2.35%)
Closing price 04:00 PM Eastern
Extended Trading
$167.58 -0.11 (-0.07%)
As of 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Park National

Annual Income Statements for Park National

This table shows Park National's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2022 2023 2024 2025
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 84 81 86 73 110 103 128 148 127 151 180
Consolidated Net Income / (Loss)		 84 81 86 84 97 103 128 148 127 151 180
Net Income / (Loss) Continuing Operations		 84 81 86 73 97 103 128 148 127 151 180
Total Pre-Tax Income 		120 114 123 118 131 125 155 180 154 185 221
Total Revenue		 301 305 322 319 354 395 445 471 458 505 548
Net Interest Income / (Expense)		 225 228 238 244 267 298 328 347 373 398 437
Total Interest Income		 265 265 276 286 311 361 358 378 472 523 545
Loans and Leases Interest Income		 228 228 242 249 271 321 329 323 400 468 500
Investment Securities Interest Income		 37 36 33 35 38 35 28 47 64 47 30
Other Interest Income		 0.52 0.89 1.02 3.09 1.41 3.95 0.74 8.13 8.12 8.12 15
Total Interest Expense		 40 37 38 43 44 63 30 31 99 125 107
Deposits Interest Expense		 11 12 13 19 32 51 21 21 84 112 100
Short-Term Borrowings Interest Expense		 0.52 0.47 0.46 0.99 1.60 2.48 1.11 1.40 4.72 3.14 1.16
Long-Term Debt Interest Expense		 29 25 24 23 10 9.45 7.65 8.83 9.38 9.43 6.29
Total Non-Interest Income		 76 78 84 86 101 97 126 136 93 123 120
Other Service Charges		 48 51 14 23 26 9.08 106 97 87 97 101
Net Realized & Unrealized Capital Gains on Investments		 6.21 2.45 1.32 3.28 9.41 4.48 6.68 8.57 -6.90 2.55 2.41
Other Non-Interest Income		 2.46 4.19 69 60 59 84 4.89 18 5.34 7.77 6.61
Provision for Credit Losses		 -7.33 4.99 -5.10 8.56 7.95 6.17 12 4.56 2.90 15 11
Total Non-Interest Expense		 188 187 204 203 229 264 287 298 309 321 324
Salaries and Employee Benefits		 102 107 111 117 134 156 165 174 182 189 193
Net Occupancy & Equipment Expense		 26 27 30 33 36 41 44 58 63 63 67
Marketing Expense		 4.37 3.98 4.52 4.37 5.14 5.75 5.83 5.34 5.47 6.32 6.07
Other Operating Expenses		 55 49 59 49 53 57 61 47 50 46 47
Amortization Expense		 - - 0.00 0.00 0.58 2.36 2.26 1.49 1.32 1.22 1.04
Income Tax Expense		 36 33 37 34 21 22 27 32 27 33 41
Basic Earnings per Share		 $5.45 $5.27 $5.62 $5.51 $7.13 $6.33 $7.85 $9.13 $7.84 $9.38 $11.18
Weighted Average Basic Shares Outstanding		 15.39M 15.36M 15.33M 15.30M 15.61M 16.27M 16.31M 16.26M 16.12M 16.16M 18.07M
Diluted Earnings per Share		 $5.45 $5.26 $5.59 $5.47 $7.07 $6.29 $7.80 $9.06 $7.80 $9.32 $11.11
Weighted Average Diluted Shares Outstanding		 15.39M 15.36M 15.33M 15.30M 15.61M 16.27M 16.31M 16.26M 16.12M 16.16M 18.07M
Weighted Average Basic & Diluted Shares Outstanding		 15.39M 15.36M 15.33M 15.30M 15.61M 16.27M 16.31M 16.26M 16.12M 16.16M 18.07M
Cash Dividends to Common per Share		 - $3.76 $3.76 $3.76 $4.07 $4.24 $4.28 $4.66 $4.20 $4.74 $5.53

Quarterly Income Statements for Park National

This table shows Park National's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 37 28 35 39 38 43 42 48 47 43 42
Consolidated Net Income / (Loss)		 37 25 35 39 38 39 42 48 47 43 42
Net Income / (Loss) Continuing Operations		 37 28 35 39 38 43 42 48 47 43 42
Total Pre-Tax Income 		46 30 42 48 47 47 51 59 58 53 52
Total Revenue		 122 107 122 127 138 123 130 141 142 135 160
Net Interest Income / (Expense)		 94 95 96 98 101 103 104 109 111 113 126
Total Interest Income		 121 125 127 129 134 134 132 136 139 137 155
Loans and Leases Interest Income		 103 108 111 115 120 121 121 126 127 127 142
Investment Securities Interest Income		 16 15 13 12 12 9.99 8.40 8.20 7.16 5.75 8.07
Other Interest Income		 1.41 1.41 2.12 1.25 2.00 2.75 3.15 2.76 5.14 3.70 4.67
Total Interest Expense		 27 30 31 31 33 30 28 28 28 24 29
Deposits Interest Expense		 23 26 27 28 30 27 25 25 26 24 28
Short-Term Borrowings Interest Expense		 1.14 2.03 1.46 0.81 0.49 0.37 0.29 0.30 0.31 0.27 0.47
Long-Term Debt Interest Expense		 2.36 2.37 2.36 2.36 2.37 2.34 2.33 2.33 1.63 - 0.15
Total Non-Interest Income		 28 16 26 29 37 31 26 32 31 31 34
Other Service Charges		 11 52 9.88 11 2.38 73 8.76 10 12 71 11
Net Realized & Unrealized Capital Gains on Investments		 1.00 -7.52 -0.96 0.35 7.34 -4.54 -0.86 2.51 -0.50 1.50 1.88
Other Non-Interest Income		 15 -32 17 17 27 -49 18 20 19 -50 21
Provision for Credit Losses		 -1.58 1.81 2.18 3.11 5.32 3.94 0.76 2.85 4.03 3.85 2.67
Total Non-Interest Expense		 78 79 77 75 86 83 78 79 79 88 105
Salaries and Employee Benefits		 45 46 47 46 49 47 47 48 49 50 57
Net Occupancy & Equipment Expense		 16 16 15 15 18 16 16 17 17 18 20
Marketing Expense		 1.20 1.72 1.74 1.16 1.46 1.95 1.53 1.30 1.51 1.74 1.56
Other Operating Expenses		 15 7.37 13 13 17 2.46 13 13 12 8.71 25
Amortization Expense		 0.33 0.33 0.32 0.32 0.29 0.29 0.27 0.27 0.25 0.25 1.28
Income Tax Expense		 8.84 5.24 7.21 8.96 8.43 8.70 9.05 11 11 10 9.99
Basic Earnings per Share		 $2.29 $1.52 $2.18 $2.44 $2.37 $2.39 $2.61 $2.98 $2.93 $2.66 $2.40
Weighted Average Basic Shares Outstanding		 16.13M 16.12M 16.12M 16.15M 16.15M 16.16M 16.16M 16.13M 16.07M 18.07M 17.38M
Diluted Earnings per Share		 $2.28 $1.51 $2.17 $2.42 $2.35 $2.38 $2.60 $2.97 $2.92 $2.62 $2.39
Weighted Average Diluted Shares Outstanding		 16.22M 16.12M 16.19M 16.24M 16.26M 16.16M 16.24M 16.22M 16.17M 18.07M 17.46M
Weighted Average Basic & Diluted Shares Outstanding		 16.12M 16.12M 16.15M 16.15M 16.16M 16.16M 16.19M 16.07M 16.08M 18.07M 18.10M
Cash Dividends to Common per Share		 $1.05 - $1.06 $1.06 $1.06 - $1.07 $1.07 $1.07 - $1.10

Annual Cash Flow Statements for Park National

This table details how cash moves in and out of Park National's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2013 2014 2015 2016 2018 2019 2020 2022 2023 2024 2025
Period end date 12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2018 12/31/2019 12/31/2020 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -54 91 -88 -3.01 -1.90 -7.26 211 -6.86 29 -58 73
Net Cash From Operating Activities		 121 72 89 88 132 112 112 137 151 179 198
Net Cash From Continuing Operating Activities		 121 72 90 -277 132 121 -588 159 151 176 209
Net Income / (Loss) Continuing Operations		 77 84 81 0.00 110 103 128 148 127 151 180
Consolidated Net Income / (Loss)		 77 84 81 - 110 103 128 148 127 151 180
Provision For Loan Losses		 3.42 -7.33 - -5.10 7.95 6.17 12 4.56 2.90 15 18
Depreciation Expense		 7.32 7.24 7.35 8.40 8.59 9.12 11 14 14 12 11
Amortization Expense		 8.75 8.98 1.56 8.44 2.43 1.56 -13 -0.68 3.30 0.84 -0.88
Non-Cash Adjustments to Reconcile Net Income		 18 -8.48 -1.26 -284 -14 -13 -27 -8.40 7.79 -12 -0.40
Changes in Operating Assets and Liabilities, net		 6.90 -13 0.92 -5.04 16 14 -698 1.59 -3.52 8.35 1.01
Net Cash From Investing Activities		 -113 -230 -395 -153 45 60 -456 -405 64 -19 86
Net Cash From Continuing Investing Activities		 -113 -230 307 -153 45 60 -456 -406 62 -17 87
Purchase of Property, Leasehold Improvements and Equipment		 -8.84 -7.44 -11 -7.47 -12 -15 -29 -7.94 -7.59 -9.18 -6.37
Purchase of Investment Securities		 -808 -596 -64 -938 -440 -231 -985 -618 -366 -372 -330
Sale and/or Maturity of Investments		 704 353 365 793 496 305 551 220 444 376 439
Other Investing Activities, net		 - - 17 - 1.15 0.39 2.12 - -9.36 -11 -16
Net Cash From Financing Activities		 -63 249 218 62 -179 -179 555 239 -186 -217 -212
Net Cash From Continuing Financing Activities		 -63 249 218 62 -179 -179 1,254 239 -186 -217 -221
Net Change in Deposits		 74 338 - 174 160 160 1,230 330 -192 101 90
Repayment of Debt		 -153 -189 -80 -56 -320 -278 -69 - 101 -238 -199
Repurchase of Common Equity		 -0.84 - - - -5.78 -41 -7.51 0.00 -23 0.00 -20
Payment of Dividends		 -58 -58 -58 -58 -63 -69 -70 -77 -69 -77 -90
Other Financing Activities, Net		 - -2.36 214 0.00 -0.61 -0.83 -1.00 -2.76 -2.84 -3.12 -2.95
Cash Interest Paid		 42 40 - 38 44 63 29 31 95 124 111
Cash Income Taxes Paid		 20 28 26 27 7.35 15 24 25 17 23 34

Quarterly Cash Flow Statements for Park National

This table details how cash moves in and out of Park National's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -81 199 88 -123 -136 185 77 -44 26 15 750
Net Cash From Operating Activities		 40 54 35 51 44 49 38 50 53 58 31
Net Cash From Continuing Operating Activities		 -34 258 34 -28 -32 273 38 50 53 69 31
Net Income / (Loss) Continuing Operations		 -37 229 35 -39 -38 264 42 48 47 43 42
Consolidated Net Income / (Loss)		 -37 229 35 -39 -38 264 42 48 47 43 42
Provision For Loan Losses		 -1.58 1.81 2.18 3.11 5.32 3.94 0.76 2.85 4.03 10 2.67
Depreciation Expense		 3.25 3.38 3.12 3.07 2.96 3.08 2.91 2.83 2.83 2.63 2.85
Amortization Expense		 1.31 0.47 0.53 0.20 0.23 -0.12 0.33 -0.10 0.00 -1.11 -0.48
Non-Cash Adjustments to Reconcile Net Income		 -0.56 7.67 0.69 -2.79 -8.48 -1.02 2.00 -2.01 1.64 -2.26 -1.63
Changes in Operating Assets and Liabilities, net		 0.35 16 -7.51 7.62 6.15 2.49 -11 -2.02 -3.08 17 -14
Net Cash From Investing Activities		 -119 185 32 -73 -12 33 11 -107 106 76 286
Net Cash From Continuing Investing Activities		 -119 184 32 -72 -12 36 11 -107 106 77 160
Purchase of Property, Leasehold Improvements and Equipment		 -1.81 -1.73 -3.14 -1.86 -2.09 -2.09 -1.08 -1.32 -1.50 -2.48 -4.27
Purchase of Investment Securities		 -157 -146 -54 -155 -80 -79 -99 -147 -25 -59 -513
Sale and/or Maturity of Investments		 40 331 93 85 70 126 116 37 145 141 677
Net Cash From Financing Activities		 73 -244 21 -23 -92 -123 28 13 -133 -120 433
Net Cash From Continuing Financing Activities		 73 -244 21 -23 -92 -123 28 13 -133 -130 433
Net Change in Deposits		 -114 -202 263 6.47 -98 -71 58 36 92 -96 537
Repayment of Debt		 - - -222 -11 - - -9.46 15 -208 3.59 -81
Payment of Dividends		 -17 -17 -17 -18 -17 -25 -18 -18 -17 -37 -20
Other Financing Activities, Net		 - - -2.98 - -0.14 - -2.95 - - - -2.89
Cash Interest Paid		 27 27 32 28 35 29 30 25 31 25 30

Annual Balance Sheets for Park National

This table presents Park National's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2023 2024 2025
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2023 12/31/2024 12/31/2025
Total Assets		 7,001 7,311 7,468 7,538 7,804 8,558 9,279 9,560 9,836 9,805 9,805
Cash and Due from Banks		 134 119 123 132 142 136 156 145 160 122 137
Trading Account Securities		 1,501 1,644 1,580 1,513 1,428 1,280 1,125 1,815 1,429 1,101 802
Loans and Leases, Net of Allowance		 4,775 5,012 5,221 5,322 5,641 6,445 7,092 6,788 0.00 0.00 7,958
Premises and Equipment, Net		 55 59 58 56 60 73 89 89 74 70 62
Goodwill		 72 72 72 72 113 160 160 160 160 160 160
Intangible Assets		 49 51 53 50 50 65 65 66 67 70 72
Other Assets		 397 335 342 370 341 377 568 474 7,906 8,247 614
Total Liabilities & Shareholders' Equity		 7,001 7,311 7,468 7,538 7,804 8,558 9,279 9,560 9,836 9,805 9,805
Total Liabilities		 6,305 6,598 6,725 6,782 6,972 7,589 8,239 8,449 8,691 8,562 8,452
Non-Interest Bearing Deposits		 1,269 1,404 1,523 1,634 1,805 1,960 2,727 3,066 2,628 2,613 2,656
Interest Bearing Deposits		 3,859 3,944 3,999 4,183 4,456 5,093 4,845 4,838 5,414 5,531 5,588
Short-Term Debt		 277 394 395 391 222 231 342 239 328 90 82
Accrued Interest Payable		 2.55 2.34 2.15 2.28 2.63 2.93 3.86 3.12 6.86 7.86 4.08
Long-Term Debt		 832 783 739 515 415 208 220 188 189 190 0.00
Other Long-Term Liabilities		 66 71 67 56 71 96 100 115 124 130 123
Total Equity & Noncontrolling Interests		 697 713 742 756 833 969 1,040 1,111 1,145 1,244 1,353
Total Preferred & Common Equity		 697 713 742 756 833 969 1,040 1,111 1,145 1,244 1,353
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 697 713 742 756 833 969 1,040 1,111 1,145 1,244 1,353
Common Stock		 303 304 306 308 359 459 461 462 463 464 465
Retained Earnings		 484 508 536 562 614 647 705 776 904 978 1,068
Treasury Stock		 -77 -82 -81 -87 -90 -128 -131 -142 -156 -151 -167
Accumulated Other Comprehensive Income / (Loss)		 -14 -16 -18 -26 -50 -9.59 5.57 15 -66 -46 -13
Noncontrolling Interest		 - - - - - - - - - - 0.00

Quarterly Balance Sheets for Park National

This table presents Park National's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 9,855 9,857 9,900 10,001 9,881 9,920 9,903 9,887 9,950 9,862 12,984
Cash and Due from Banks		 149 146 160 140 112 143 147 155 148 122 152
Trading Account Securities		 1,828 1,800 1,757 1,709 1,340 1,265 1,233 1,042 1,063 927 1,367
Loans and Leases, Net of Allowance		 0.00 0.00 7,121 7,265 7,440 7,578 7,644 7,796 7,873 7,901 9,559
Premises and Equipment, Net		 85 81 79 77 74 72 71 66 64 62 93
Goodwill		 160 160 160 160 160 160 160 160 160 160 263
Intangible Assets		 69 65 57 65 65 72 71 67 75 74 107
Other Assets		 7,564 7,605 524 538 691 630 577 601 566 617 1,443
Total Liabilities & Shareholders' Equity		 9,855 9,857 9,900 10,001 9,881 9,920 9,903 9,887 9,950 9,862 12,984
Total Liabilities		 8,819 8,775 8,811 8,915 8,719 8,737 8,664 8,608 8,655 8,530 11,282
Non-Interest Bearing Deposits		 3,138 2,922 2,796 2,733 2,587 2,542 2,517 2,638 2,620 2,602 3,059
Interest Bearing Deposits		 5,172 5,372 5,563 5,512 5,719 5,770 5,698 5,564 5,618 5,728 7,942
Short-Term Debt		 189 172 144 353 106 94 117 81 96 78 135
Accrued Interest Payable		 1.30 1.66 4.05 3.28 5.49 8.81 6.35 5.82 7.89 4.63 7.11
Long-Term Debt		 189 189 189 189 189 189 190 190 190 0.00 15
Other Long-Term Liabilities		 130 118 115 126 112 131 136 117 124 118 124
Total Equity & Noncontrolling Interests		 1,036 1,082 1,089 1,086 1,162 1,183 1,239 1,279 1,294 1,332 1,702
Total Preferred & Common Equity		 1,036 1,082 1,089 1,086 1,162 1,183 1,239 1,279 1,294 1,332 1,700
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,036 1,082 1,089 1,086 1,162 1,183 1,239 1,279 1,294 1,332 1,700
Common Stock		 461 459 461 462 460 461 462 460 461 463 783
Retained Earnings		 839 863 877 897 921 943 964 1,002 1,033 1,063 1,090
Treasury Stock		 -139 -150 -152 -157 -152 -152 -152 -148 -168 -168 -164
Accumulated Other Comprehensive Income / (Loss)		 -125 -90 -97 -116 -66 -68 -35 -35 -32 -26 -8.55
Noncontrolling Interest		 - - - - - - - - - - 2.06

Annual Metrics And Ratios for Park National

This table displays calculated financial ratios and metrics derived from Park National's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $5.27 $5.62 $5.51 $7.13 $6.33 $7.85 $9.45 $9.13 $7.84 $9.38 $11.18
Adjusted Weighted Average Basic Shares Outstanding		 15.33M 15.29M 15.29M 15.61M 16.27M 16.31M 16.22M 16.26M 16.12M 16.16M 18.07M
Adjusted Diluted Earnings per Share		 $5.26 $5.59 $5.47 $7.07 $6.29 $7.80 $9.37 $9.06 $7.80 $9.32 $11.11
Adjusted Weighted Average Diluted Shares Outstanding		 15.33M 15.29M 15.29M 15.61M 16.27M 16.31M 16.22M 16.26M 16.12M 16.16M 18.07M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 15.33M 15.29M 15.29M 15.61M 16.27M 16.31M 16.22M 16.26M 16.12M 16.16M 18.07M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for Park National

This table displays calculated financial ratios and metrics derived from Park National's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - - 18,066,393.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 18,066,393.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 2.31
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -11.30% -1.91% 4.45% 8.62% 12.84% 15.26% 6.81% 11.49% 2.87% - 22.58%
EBITDA Growth		 -8.19% -9.10% 3.81% 20.72% -0.97% 30.48% 18.20% 20.42% 22.22% - -0.73%
EBIT Growth		 -11.03% -8.14% 6.35% 26.48% 1.95% 38.44% 20.72% 22.80% 24.55% - 0.93%
NOPAT Growth		 -12.24% -25.95% 4.36% 24.65% 3.52% 57.67% 19.75% 22.23% 23.40% - -1.11%
Net Income Growth		 -12.24% -25.95% 4.36% 24.65% 3.52% 57.67% 19.75% 22.23% 23.40% - -1.11%
EPS Growth		 -11.28% -24.88% 4.83% 24.74% 3.07% 57.62% 19.82% 22.73% 24.26% - -8.08%
Operating Cash Flow Growth		 19.74% 14.31% 41.93% 52.06% 11.81% -8.43% 8.15% -2.33% 20.14% - -18.09%
Free Cash Flow Firm Growth		 -247.06% -204.28% -65.62% -130.54% 167.64% 110.82% -339.60% -947.55% 54.00% - -415.51%
Invested Capital Growth		 15.07% 0.00% 0.98% 3.20% -4.98% -8.34% 6.36% 7.70% -8.82% - 19.50%
Revenue Q/Q Growth		 4.63% -12.44% 10.30% 7.48% 8.70% -10.56% 5.70% 8.50% 0.29% - 18.22%
EBITDA Q/Q Growth		 17.70% -40.76% 43.13% 22.81% -3.44% -21.95% 39.98% 14.02% -1.85% - 20.61%
EBIT Q/Q Growth		 19.74% -43.27% 47.97% 25.84% -3.48% -22.97% 42.50% 15.91% -2.10% - 19.35%
NOPAT Q/Q Growth		 16.89% -33.63% 43.69% 11.83% -2.93% 1.08% 9.13% 14.14% -2.00% - -2.23%
Net Income Q/Q Growth		 16.89% -33.63% 43.69% 11.83% -2.93% 1.08% 9.13% 14.14% -2.00% - -2.23%
EPS Q/Q Growth		 17.53% -33.77% 43.71% 11.52% -2.89% 1.28% 9.24% 14.23% -1.68% - -8.78%
Operating Cash Flow Q/Q Growth		 19.32% 35.43% -35.41% 45.98% -12.27% 10.91% -23.09% 31.20% 5.84% - -46.98%
Free Cash Flow Firm Q/Q Growth		 -970.07% -829.47% 101.29% -129.33% 2,026.86% 48.74% -128.50% -28.26% 383.26% - -297.25%
Invested Capital Q/Q Growth		 14.48% 2.17% -12.36% 0.69% 5.40% -1.45% 1.70% 1.95% -10.77% - 29.10%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 41.25% 27.91% 35.67% 40.75% 36.20% 31.59% 41.84% 43.97% 43.03% - 33.89%
EBIT Margin		 37.51% 24.30% 32.60% 38.17% 33.89% 29.19% 39.35% 42.04% 41.03% - 32.40%
Profit (Net Income) Margin		 30.26% 22.94% 29.88% 31.09% 27.77% 31.38% 32.40% 34.08% 33.31% - 26.13%
Tax Burden Percent		 80.69% 82.38% 83.00% 81.46% 81.93% 81.61% 82.33% 81.08% 81.17% - 80.67%
Interest Burden Percent		 100.00% 114.59% 110.44% 100.00% 100.00% 131.73% 100.00% 100.00% 100.00% - 100.00%
Effective Tax Rate		 19.31% 17.62% 17.00% 18.54% 18.07% 18.39% 17.67% 18.92% 18.83% - 19.33%
Return on Invested Capital (ROIC)		 0.00% 12.64% 9.54% 10.19% 8.55% 9.95% 11.07% 11.81% 11.99% - 8.87%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 12.64% 9.54% 10.19% 8.55% 9.95% 11.07% 11.81% 11.99% - 8.87%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 5.71% 2.79% 2.76% 3.12% 3.32% 2.57% 2.71% 1.80% - 1.25%
Return on Equity (ROE)		 0.00% 18.35% 12.34% 12.95% 11.68% 13.27% 13.63% 14.53% 13.78% - 10.12%
Cash Return on Invested Capital (CROIC)		 -14.02% -184.75% 7.87% 6.26% 13.76% 18.21% 4.37% 3.56% 21.14% - -7.21%
Operating Return on Assets (OROA)		 0.00% 2.26% 1.53% 1.82% 1.66% 1.50% 2.04% 2.23% 2.21% - 1.64%
Return on Assets (ROA)		 0.00% 2.14% 1.40% 1.48% 1.36% 1.61% 1.68% 1.81% 1.79% - 1.32%
Return on Common Equity (ROCE)		 0.00% 18.35% 12.34% 12.95% 11.68% 13.27% 13.63% 14.53% 13.78% - 10.11%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 0.00% 11.03% 11.49% 11.08% 0.00% 12.38% 12.91% 13.22% - 10.57%
Net Operating Profit after Tax (NOPAT)		 37 25 35 39 38 39 42 48 47 - 42
NOPAT Margin		 30.26% 22.94% 29.88% 31.09% 27.77% 31.38% 32.40% 34.08% 33.31% - 26.13%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
SG&A Expenses to Revenue		 51.24% 59.70% 53.99% 48.93% 49.45% 52.87% 49.65% 46.39% 47.34% - 49.56%
Operating Expenses to Revenue		 63.79% 74.01% 65.55% 59.38% 62.25% 67.62% 60.07% 55.94% 56.12% - 65.93%
Earnings before Interest and Taxes (EBIT)		 46 26 38 48 47 36 51 59 58 - 52
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 50 30 42 52 50 39 54 62 61 - 54
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.36 1.80 1.86 1.93 2.19 2.21 1.91 2.09 1.96 - 1.74
Price to Tangible Book Value (P/TBV)		 1.72 2.25 2.30 2.40 2.69 2.71 2.32 2.56 2.38 - 2.22
Price to Revenue (P/Rev)		 0.00 4.51 4.66 4.83 5.55 5.45 4.76 5.13 4.91 - 5.12
Price to Earnings (P/E)		 0.00 16.29 16.87 16.82 19.79 18.18 15.45 16.20 14.84 - 16.44
Dividend Yield		 4.57% 3.28% 3.14% 2.98% 2.52% 2.78% 3.14% 2.85% 2.93% - 3.40%
Earnings Yield		 0.00% 6.14% 5.93% 5.94% 5.05% 5.50% 6.47% 6.17% 6.74% - 6.08%
Enterprise Value to Invested Capital (EV/IC)		 1.16 1.46 1.61 1.65 1.86 1.91 1.65 1.80 1.82 - 1.59
Enterprise Value to Revenue (EV/Rev)		 0.00 5.28 5.06 5.12 5.88 5.76 4.99 5.39 4.83 - 5.12
Enterprise Value to EBITDA (EV/EBITDA)		 104.51 14.82 14.20 13.96 16.58 15.96 13.44 14.14 12.10 - 13.31
Enterprise Value to EBIT (EV/EBIT)		 0.00 16.58 15.79 15.31 18.03 17.19 14.39 15.05 12.81 - 13.90
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 19.10 18.27 17.83 20.92 19.22 16.18 17.03 14.59 - 16.44
Enterprise Value to Operating Cash Flow (EV/OCF)		 13.19 16.02 14.57 13.62 15.72 16.27 14.10 15.77 13.57 - 15.42
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 20.53 26.82 13.16 10.03 39.02 52.51 8.22 - 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.50 0.45 0.25 0.24 0.25 0.23 0.21 0.22 0.06 - 0.09
Long-Term Debt to Equity		 0.17 0.17 0.16 0.16 0.15 0.15 0.15 0.15 0.00 - 0.01
Financial Leverage		 0.43 0.45 0.29 0.27 0.37 0.33 0.23 0.23 0.15 - 0.14
Leverage Ratio		 9.36 8.59 8.80 8.72 8.56 8.22 8.10 8.02 7.69 - 7.67
Compound Leverage Factor		 9.36 9.84 9.71 8.72 8.56 10.83 8.10 8.02 7.69 - 7.67
Debt to Total Capital		 33.29% 31.12% 20.25% 19.35% 19.85% 18.38% 17.47% 18.07% 5.54% - 8.11%
Short-Term Debt to Total Capital		 21.68% 19.74% 7.27% 6.44% 7.59% 5.93% 5.23% 6.05% 5.54% - 7.30%
Long-Term Debt to Total Capital		 11.62% 11.38% 12.99% 12.91% 12.26% 12.44% 12.25% 12.02% 0.00% - 0.81%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.11%
Common Equity to Total Capital		 66.71% 68.88% 79.75% 80.65% 80.15% 81.62% 82.53% 81.93% 94.46% - 91.78%
Debt to EBITDA		 30.10 3.17 1.79 1.63 1.77 1.54 1.42 1.42 0.37 - 0.68
Net Debt to EBITDA		 22.31 2.18 1.11 0.81 0.92 0.86 0.61 0.68 -0.20 - -0.01
Long-Term Debt to EBITDA		 10.50 1.16 1.15 1.09 1.09 1.04 1.00 0.94 0.00 - 0.07
Debt to NOPAT		 0.00 4.08 2.30 2.09 2.24 1.85 1.71 1.71 0.44 - 0.84
Net Debt to NOPAT		 0.00 2.82 1.43 1.04 1.16 1.04 0.73 0.82 -0.25 - -0.01
Long-Term Debt to NOPAT		 0.00 1.49 1.48 1.39 1.38 1.25 1.20 1.14 0.00 - 0.08
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.07%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -176 -1,638 21 -6.19 119 177 -51 -65 184 - -261
Operating Cash Flow to CapEx		 2,191.88% 3,105.60% 1,102.93% 2,716.81% 2,125.57% 2,354.14% 3,518.59% 3,777.34% 3,502.47% - 723.53%
Free Cash Flow to Firm to Interest Expense		 -6.62 -54.36 0.68 -0.20 3.65 5.88 -1.82 -2.36 6.57 - -8.98
Operating Cash Flow to Interest Expense		 1.49 1.78 1.12 1.63 1.36 1.63 1.36 1.81 1.88 - 1.06
Operating Cash Flow Less CapEx to Interest Expense		 1.42 1.73 1.02 1.57 1.29 1.56 1.32 1.76 1.83 - 0.92
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.00 0.09 0.05 0.05 0.05 0.05 0.05 0.05 0.05 - 0.05
Fixed Asset Turnover		 0.00 0.00 5.98 6.27 6.59 7.03 7.33 7.75 7.99 - 7.24
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,627 1,663 1,457 1,467 1,546 1,524 1,550 1,580 1,410 - 1,852
Invested Capital Turnover		 0.00 0.55 0.32 0.33 0.31 0.32 0.34 0.35 0.36 - 0.34
Increase / (Decrease) in Invested Capital		 213 1,663 14 46 -81 -139 93 113 -136 - 302
Enterprise Value (EV)		 1,881 2,421 2,342 2,425 2,873 2,910 2,563 2,846 2,569 - 2,953
Market Capitalization		 1,479 2,064 2,159 2,284 2,713 2,753 2,446 2,708 2,612 - 2,953
Book Value per Share		 $67.20 $71.06 $72.10 $73.27 $76.74 $76.98 $79.15 $79.95 $82.87 - $94.08
Tangible Book Value per Share		 $53.32 $56.98 $58.17 $58.90 $62.46 $62.80 $65.13 $65.43 $68.34 - $73.59
Total Capital		 1,627 1,663 1,457 1,467 1,546 1,524 1,550 1,580 1,410 - 1,852
Total Debt		 542 517 295 284 307 280 271 286 78 - 150
Total Long-Term Debt		 189 189 189 189 190 190 190 190 0.00 - 15
Net Debt		 402 357 183 141 160 158 116 138 -43 - -2.17
Capital Expenditures (CapEx)		 1.81 1.73 3.14 1.86 2.09 2.09 1.08 1.32 1.50 - 4.27
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Net Nonoperating Obligations (NNO)		 542 517 295 284 307 280 271 286 78 - 150
Total Depreciation and Amortization (D&A)		 4.56 3.85 3.62 3.27 3.18 2.96 3.24 2.73 2.83 - 2.37
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.29 $1.52 $2.18 $2.44 $2.37 $2.39 $2.61 $2.98 $2.93 $2.66 $2.40
Adjusted Weighted Average Basic Shares Outstanding		 16.13M 16.12M 16.12M 16.15M 16.15M 16.16M 16.16M 16.13M 16.07M 18.07M 17.38M
Adjusted Diluted Earnings per Share		 $2.28 $1.51 $2.17 $2.42 $2.35 $2.38 $2.60 $2.97 $2.92 $2.62 $2.39
Adjusted Weighted Average Diluted Shares Outstanding		 16.22M 16.12M 16.19M 16.24M 16.26M 16.16M 16.24M 16.22M 16.17M 18.07M 17.46M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 16.12M 16.12M 16.15M 16.15M 16.16M 16.16M 16.19M 16.07M 16.08M 18.07M 18.10M
Normalized Net Operating Profit after Tax (NOPAT)		 37 25 35 39 38 39 42 48 47 - 42
Normalized NOPAT Margin		 30.26% 22.94% 29.88% 31.09% 27.77% 31.38% 32.40% 34.08% 33.31% - 26.13%
Pre Tax Income Margin		 37.51% 27.85% 36.00% 38.17% 33.89% 38.45% 39.35% 42.04% 41.03% - 32.40%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.72 0.86 1.24 1.56 1.43 1.19 1.84 2.16 2.08 - 1.78
NOPAT to Interest Expense		 1.39 0.81 1.14 1.27 1.17 1.28 1.52 1.75 1.69 - 1.44
EBIT Less CapEx to Interest Expense		 1.65 0.80 1.14 1.50 1.36 1.12 1.80 2.11 2.03 - 1.64
NOPAT Less CapEx to Interest Expense		 1.32 0.76 1.03 1.21 1.11 1.21 1.48 1.70 1.63 - 1.29
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 54.41% 53.78% 50.71% 50.41% 51.18% 49.04% 46.55% 44.20% - 51.49%
Augmented Payout Ratio		 0.00% 72.57% 59.79% 54.50% 50.41% 51.18% 49.04% 58.60% 55.64% - 51.49%

Financials Breakdown Chart

Key Financial Trends

Park National (NYSE: PRK) has shown a constructive earnings trajectory in 2025, with operating momentum supported by higher net interest income and a growing net revenue base. The bank’s quarterly results indicate a solid core franchise, with loan and deposit trends contributing to revenue stability, while expense growth and some one-off non-interest items create near-term profitability pressures. Below are the key takeaways based on the last four years of quarterly statements.

  • Revenue momentum in 2025: Total revenue for Q4 2025 was about 134.9 million, higher year-over-year than Q4 2024 (about 123.1 million), suggesting a positive trend in core banking activity.
  • Net income per share improved: Q4 2025 basic and diluted earnings per share rose to about 2.66 and 2.62 respectively, up from roughly 2.37 and 2.35 in Q4 2024, reflecting stronger profitability per share.
  • Net income growth supports equity base: Consolidated net income to common shareholders rose year-over-year in the latest 2025 quarter, contributing to a higher common equity base observed in the latest balance sheets (around $1.33B in 2025 Q3, up year over year).
  • Net interest income up YoY: Net interest income increased in Q4 2025 (about 112.9 million) versus Q4 2024 (about 103.4 million), indicating improving net interest margin and funding mix.
  • Solid capital position: Total common equity sits around the low-to-mid $1.3B range in 2025 (about $1.33B in 2025 Q3), supporting capitalization metrics and potential ability to absorb future losses.
  • Expense mix modestly higher: Non-interest expenses rose modestly in 2025 versus prior years, driven mainly by salaries/benefits and occupancy costs, aligning with ongoing branch and personnel investments.
  • Cash flow from operations positive in recent quarters: Net cash from continuing operating activities remained positive in 2025, contributing to overall liquidity generation even as other cash flow components fluctuated.
  • Other non-interest income swing: In Q4 2025, Other Non-Interest Income showed a negative result (large negative value), offsetting some revenue and weighing on quarterly profitability.
  • Volatile financing cash flows: Financing activities have shown sizable outflows in several quarters (e.g., negative net cash from financing activities in some 2025 periods), introducing cash flow volatility despite positive operating cash flow.
05/18/26 07:26 PM ETAI Generated. May Contain Errors.

Park National Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Park National's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Park National's net income appears to be on an upward trend, with a most recent value of $180.07 million in 2025, rising from $83.96 million in 2014. The previous period was $151.42 million in 2024. Find out what analysts predict for Park National in the coming months.

Over the last 10 years, Park National's total revenue changed from $300.59 million in 2014 to $547.82 million in 2025, a change of 82.2%.

Park National's total liabilities were at $8.45 billion at the end of 2025, a 1.3% decrease from 2024, and a 34.1% increase since 2014.

In the past 10 years, Park National's cash and equivalents has ranged from $119.41 million in 2015 to $160.48 million in 2023, and is currently $137.24 million as of their latest financial filing in 2025.


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Financial statements for NYSE:PRK last updated on 5/13/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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