PARK NATIONAL CORP(NYSEARCA:PRK) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to PRK. PRK was compared to 405 industry peers in the Banks industry. PRK may be in some trouble as it scores bad on both profitability and health. PRK has a expensive valuation and it also scores bad on growth.

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1. Profitability

1.1 Basic Checks

In the past year PRK was profitable.

PRK had a positive operating cash flow in the past year.

PRK had positive earnings in 4 of the past 5 years.

Of the past 5 years PRK 4 years had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.39%, PRK belongs to the top of the industry, outperforming 87.22% of the companies in the same industry.

The Return On Equity of PRK (11.08%) is better than 79.20% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.39%
ROE	11.08%
ROIC	N/A

ROA(3y)1.47%

ROA(5y)1.4%

ROE(3y)12.93%

ROE(5y)12.34%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of PRK (27.64%) is better than 75.69% of its industry peers.

PRK's Profit Margin has declined in the last couple of years.

PRK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	27.64%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-1.2%

PM growth 5Y-1.93%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

PRK does not have a ROIC to compare to the WACC, probably because it is not profitable.

PRK has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

PRK has a debt to FCF ratio of 1.76. This is a very positive value and a sign of high solvency as it would only need 1.76 years to pay back of all of its debts.

PRK has a Debt to FCF ratio of 1.76. This is in the better half of the industry: PRK outperforms 63.66% of its industry peers.

A Debt/Equity ratio of 0.25 indicates that PRK is not too dependend on debt financing.

PRK has a Debt to Equity ratio (0.25) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.25
Debt/FCF	1.76
Altman-Z	N/A

ROIC/WACCN/A

WACC10.22%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 19.36% over the past year.

PRK shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.45% yearly.

EPS 1Y (TTM)19.36%

EPS 3Y-0.25%

EPS 5Y7.45%

EPS Q2Q%56.95%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%21.63%

3.2 Future

PRK is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.25% yearly.

The Revenue is expected to grow by 3.97% on average over the next years.

EPS Next Y-4.45%

EPS Next 2Y-1.25%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year4.94%

Revenue Next 2Y3.97%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 17.53, PRK is valued on the expensive side.

PRK's Price/Earnings ratio is a bit more expensive when compared to the industry. PRK is more expensive than 74.44% of the companies in the same industry.

PRK's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 29.63.

The Price/Forward Earnings ratio is 18.35, which indicates a rather expensive current valuation of PRK.

Based on the Price/Forward Earnings ratio, PRK is valued a bit more expensive than the industry average as 75.94% of the companies are valued more cheaply.

PRK is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.68, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	17.53
Fwd PE	18.35

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as PRK.

		Industry Rank	Sector Rank
P/FCF	15.12
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)2.35

EPS Next 2Y-1.25%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.57%, PRK has a reasonable but not impressive dividend return.

PRK's Dividend Yield is comparable with the industry average which is at 3.18.

PRK's Dividend Yield is comparable with the S&P500 average which is at 2.27.

		Industry Rank	Sector Rank
Dividend Yield	2.57%

5.2 History

The dividend of PRK has a limited annual growth rate of 0.94%.

PRK has been paying a dividend for at least 10 years, so it has a reliable track record.

PRK has decreased its dividend recently.

Dividend Growth(5Y)0.94%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

PRK pays out 50.41% of its income as dividend. This is a bit on the high side, but may be sustainable.

The Dividend Rate of PRK has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.

DP50.41%

EPS Next 2Y-1.25%

EPS Next 3YN/A

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PARK NATIONAL CORP

NYSEARCA:PRK (2/21/2025, 8:04:01 PM)

After market: 163.24 0 (0%)

163.24

-3.59 (-2.15%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-27 2025-01-27/amc

Earnings (Next)04-17 2025-04-17/amc

Inst Owners56.54%

Inst Owner Change-82.21%

Ins Owners2.11%

Ins Owner Change1.16%

Market Cap2.64B

Analysts46.67

Price Target180.03 (10.29%)

Short Float %2.69%

Short Ratio7.33

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.57%

Yearly Dividend4.26

Dividend Growth(5Y)0.94%

DP50.41%

Div Incr Years1

Div Non Decr Years1

Ex-Date02-14 2025-02-14 (1.07)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)10.64%

Min EPS beat(2)1.6%

Max EPS beat(2)19.68%

EPS beat(4)3

Avg EPS beat(4)6.51%

Min EPS beat(4)-12.83%

Max EPS beat(4)19.68%

EPS beat(8)5

Avg EPS beat(8)4.45%

EPS beat(12)9

Avg EPS beat(12)6.08%

EPS beat(16)12

Avg EPS beat(16)10.3%

Revenue beat(2)2

Avg Revenue beat(2)4.26%

Min Revenue beat(2)1.86%

Max Revenue beat(2)6.65%

Revenue beat(4)3

Avg Revenue beat(4)0.5%

Min Revenue beat(4)-9.24%

Max Revenue beat(4)6.65%

Revenue beat(8)4

Avg Revenue beat(8)-1.04%

Revenue beat(12)7

Avg Revenue beat(12)0.79%

Revenue beat(16)10

Avg Revenue beat(16)1.26%

PT rev (1m)-2.49%

PT rev (3m)3.82%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)-0.01%

Revenue NQ rev (3m)-0.01%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	17.53
Fwd PE	18.35
P/S	5.31
P/FCF	15.12
P/OCF	14.39
P/B	2.13
P/tB	2.48
EV/EBITDA	N/A

EPS(TTM)9.31

EY5.7%

EPS(NY)8.9

Fwd EY5.45%

FCF(TTM)10.8

FCFY6.61%

OCF(TTM)11.34

OCFY6.95%

SpS30.74

BVpS76.7

TBVpS65.72

PEG (NY)N/A

PEG (5Y)2.35

Profitability

		Industry Rank	Sector Rank
ROA	1.39%
ROE	11.08%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	27.64%
GM	N/A
FCFM	35.12%

ROA(3y)1.47%

ROA(5y)1.4%

ROE(3y)12.93%

ROE(5y)12.34%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-1.2%

PM growth 5Y-1.93%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0.25
Debt/FCF	1.76
Debt/EBITDA	N/A
Cap/Depr	70.62%
Cap/Sales	1.78%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	127.07%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC10.22%

ROIC/WACCN/A

Cap/Depr(3y)72.53%

Cap/Depr(5y)129.23%

Cap/Sales(3y)2.11%

Cap/Sales(5y)3.28%

Profit Quality(3y)97.12%

Profit Quality(5y)90.08%

High Growth Momentum

Growth

EPS 1Y (TTM)19.36%

EPS 3Y-0.25%

EPS 5Y7.45%

EPS Q2Q%56.95%

EPS Next Y-4.45%

EPS Next 2Y-1.25%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%21.63%

Revenue Next Year4.94%

Revenue Next 2Y3.97%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y40.3%

FCF growth 3Y19.86%

FCF growth 5Y3.47%

OCF growth 1Y36.45%

OCF growth 3Y10.48%

OCF growth 5Y2.66%

PARK NATIONAL CORP (PRK) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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