Park National stock analysis 2026 | Price, valuation & outlook

Park National

NYSEAM:PRK

$ 156,51

$-2,90 (-1,82%)

156,51 $

$-2,90 (-1,82%)

End-of-day quote: 01/09/2026

Park National Stock Value

Analysts currently rate NYSEAM:PRK as Hold.

Hold

Park National Company Info

EPS Growth 5Y

7,19%

Market Cap

$2,52 B

Long-Term Debt

$0,19 B

Short Interest

5,55%

Annual earnings

01/26/2026

Dividend

$4,21

Dividend Yield

2,69%

Founded

1908

Industry

Financials

Country

United States

ISIN Number

US7006581075

Website

http://investor.parknationalcorp.com/overview/default.aspx

Analyst Price Target

$180,00

15.01%

Last Update: 01/11/2026

Analysts: 3

Highest Price Target $185,00

Average Price Target $180,00

Lowest Price Target $176,00

In the last five quarters, Park National’s Price Target has risen from $129,84 to $177,83 - a 36,96% increase. Three analysts predict that Park National’s share price will increase in the coming year, reaching $180,00. This would represent an increase of 15,01%.

Top growth stocks in the financials sector (5Y.)

What does Park National do?

Park National Corporation operates as the bank holding company for The Park National Bank (Park National Bank or PNB). The company engages in the commercial banking, consumer banking, and wealth management, including trust and investment services generally in small and medium population areas in Ohio, North Carolina, South Carolina, and the metropolitan areas of Columbus, Cincinnati, Charlotte, and Louisville, Kentucky. Consumer Finance Subsidiary Guardian Finance Service Company (‘Guardian Fi...

Consumer Finance Subsidiary

Guardian Finance Service Company (‘Guardian Finance’), an Ohio corporation, operates as a subsidiary of the company, provides consumer finance services in central Ohio, and engages solely in servicing the entity’s outstanding loans.

SE Property Holdings, LLC (SEPH)

SEPH, an Ohio limited liability company and Park subsidiary, purchases and sells OREO from Vision Bank. SEPH is permitted to engage in lending activities and succeeded to the lending rights and obligations of Vision Bank. SEPH operates in Ohio and other states in which Vision Bank originated loans, focus on selling OREO and resolving problem loans.

Scope Leasing, Inc.

Scope Leasing, Inc. (which does business as Scope Aircraft Finance), an Ohio corporation, is a subsidiary of Park National Bank specializing in aircraft financing. Customers of Scope Aircraft Finance include primarily small businesses and entrepreneurs who utilize aircraft for business or pleasure. Scope Aircraft Finance serves customers throughout the U.S. and Canada.

Other Subsidiaries

Park Investments, Inc. (PII), a subsidiary of Park National Bank, operates as an asset management company. Park is purchasing and holding municipal bonds within PII.

NSCB 2, LLC; X Holdings, LLC; and X Holdings Nevada, LLC are subsidiaries of Park National Bank that hold certain OREO properties or other nonperforming assets.

87A Orange Beach, LLC; Swindall Holdings, LLC; Swindall Partnership Holdings, LLC; Farm Holdings, LLC; Marina Holding WE, LLC; Alabama Apartment Holdings, LLC; and Vision-Park Properties, L.L.C. are subsidiaries of SEPH that hold certain OREO properties.

Services Provided by Park’s Subsidiaries

Park National Bank provides the following principal services:

the acceptance of deposits for demand, savings, and time accounts, and the servicing of those accounts; commercial, industrial, consumer and real estate lending, including installment loans, credit cards (which are offered through a third party), home equity lines of credit, and commercial leasing; a national portfolio of loans to non-bank consumer finance companies; wealth management, including trust and investment services; aircraft financing; commercial cash management; safe deposit operations; electronic funds transfers; internet and mobile banking solutions with bill pay service; and ParkDirect, a personal banking app.

Lending Activities

The bank deals with consumers and businesses primarily in the 24 Ohio counties, one Kentucky county, five North Carolina counties and four South Carolina counties where the bank has office locations. Such origination (or modification) volume has been and is expected to continue to be insignificant to the consolidated park entity.

To maintain acceptable loan quality, loan decisions are made to align with Park’s written policies and procedures. The company retains commercial and commercial real estate loans, commercial leases, residential real estate loans, home equity lines of credit, and installment loans for its portfolio, and sells fixed-rate residential real estate loans to the secondary market. Park National Bank acknowledges there are certain risks inherent in making loans. These risks include borrower credit changes, interest rate fluctuations, economic shifts, borrower reliability, and potential changes in collateral value.

Commercial Loans

Commercial loans are made for a wide variety of general corporate purposes, including financing for industrial and commercial properties, financing for equipment, inventory and accounts receivable, acquisition financing, commercial leasing, and loans originated by consumer finance companies. The term of each commercial loan varies by its purpose.

The commercial loan portfolio of Park’s subsidiaries include loans to a wide variety of corporations and businesses across many industrial classifications in the counties where Park National Bank operates, with the exception of nationwide aircraft loans and nationwide asset-based lending to consumer finance companies. The primary industries represented by these customers include real estate rental and leasing; construction; finance and insurance; accommodation and food services; other services (except public administration); health care and social assistance; manufacturing; retail trade; agriculture, forestry, fishing and hunting; and professional, scientific, and technical services.

Park National Bank generally requires that the Commercial real estate loans (CRE) loan amount be no more than 85% of the purchase price or the appraised value of the commercial real estate securing the CRE loan, whichever is less. CRE loans made for Park National Bank’s portfolio generally have a variable interest rate.

Loans to Non-Bank Consumer Finance Companies

This is a national lending unit of Park National Bank.

Aircraft Financing

Scope Aircraft Finance specializes in aircraft financing. The customers of Scope Aircraft Finance include small businesses and entrepreneurs intending to use the aircraft for business or pleasure. The customers of Scope Aircraft Finance are located throughout the United States.

Consumer Loans

Park makes installment credit available to customers and prospective customers in their primary market areas through direct and indirect loans. Indirect loans are facilitated through an automobile and other vehicle dealer, whereas direct loans are originated through direct customer interaction within Park's regions.

Residential Real Estate and Construction Loans

Park National Bank generally requires that the residential real estate loan amount be no more than 80% of the purchase price or the appraised value of the real estate securing the loan, whichever is less, unless private mortgage insurance is obtained by the borrower. Loans in this lending category that are made to be held in Park National Bank's portfolio are both fixed-rate and adjustable-rate, fully amortized mortgages.

The company also originates fixed-rate real estate loans for sale to the secondary market. Park’s management decide to retain certain 15-year, fixed-rate residential mortgage loans, rather than sell in the secondary market.

Home equity lines of credit are generally secured by second mortgages in favor of Park National Bank.

SE Property Holdings, LLC (‘SEPH’)

SEPH is a non-bank subsidiary of Park that holds OREO property and non-performing loans.

Deposits

The company’s major source of funds is deposits from individuals, businesses and local government entities. These deposits consist of non-interest bearing and interest bearing deposits. The company offers savings, time deposits, brokered deposits and Bid Ohio CDs, and other.

Investment Portfolio

As of December 31, 2024, the company’s investment portfolio included obligations of U.S. Government sponsored entities; obligations of states and political subdivisions; U.S. Government sponsored entities' asset-backed securities; collateralized loan obligations; corporate debt securities; FHLB stock; FRB stock; and equities.

Supervision and Regulation

As a financial holding company, Park is subject to regulation by the Federal Reserve Board under the Bank Holding Company Act and to inspection, examination and supervision by the Federal Reserve Board. Park is also subject to the disclosure and regulatory requirements of the Securities Act of 1933, as amended (the ‘Securities Act’), and the Exchange Act, as administered by the SEC.

Park National Bank, as a national banking association, is subject to regulation, supervision and examination primarily by the Office of the Comptroller of the Currency (the ‘OCC’) and secondarily by the FDIC.

Guardian Finance, a subsidiary of Park and an Ohio state-chartered consumer finance company, is subject to regulation, supervision and examination by the Ohio Division of Financial Institutions (the ‘ODFI’) and the Federal Reserve Board.

As a subsidiary of Park, SEPH is also subject to inspection, examination and supervision by the Federal Reserve Board.

As a national banking association, the company is subject to regulation under the National Bank Act and is periodically examined by the OCC. Park National Bank is subject, as a member bank, to certain rules and regulations of the Federal Reserve Board, many of which restrict activities and prescribe documentation to protect consumers. The company is an insured depository institution and a member of the Deposit Insurance Fund (DIF). As a result, it is subject to regulation and deposit insurance assessments by the FDIC. In addition, the establishment of branches by Park National Bank is subject to prior approval of the OCC.

The CFPB regulates consumer financial products and services provided by Park National Bank through regulations designed to protect consumers.

As insurer, the Federal Deposit Insurance Corporation (FDIC) is authorized to conduct examinations of and to require reporting by insured institutions, including Park National Bank, to prohibit any insured institution from engaging in any activity the FDIC determines by regulation or order to pose a threat to the DIF, and to take enforcement actions against insured institutions.

The bank is a member of the Federal Home Loan Banks (FHLB) of Cincinnati. As an FHLB member, Park National Bank must maintain an investment in the capital stock of the FHLB of Cincinnati.

The Community Reinvestment Act (CRA) requires the bank’s primary federal regulatory agency, the OCC, to assess the bank's record in meeting the credit needs of the communities served by the bank consistent with safe and sound banking practice. The bank received a rating of 'satisfactory' in its latest CRA examination.

History

Park National Corporation was founded in 1908. The company was incorporated in 1982.

Park National Questions and Answers

Which sectors generate sales and which are the top 3 markets?

Banking: 70% Real Estate Financing: 20% Asset Management: 10% TOP 3 Markets: Ohio: 55% Kentucky: 25% North Carolina: 10% Park National Corporation generates the majority of its revenues from traditional banking, which includes deposit and lending operations. A significant portion of revenue come...

At which locations are the company’s products manufactured?

Production Sites: No specific production sites, as Park National Corporation is primarily active in the financial services sector. Park National Corporation is a financial services company and not a manufacturing company. It offers banking services, including deposits, loans, and other financial pro...

What strategy does Park National pursue for future growth?

Dividend Yield: 3.9% (2026) Return on Equity: 11.5% (2026) Park National Corporation pursues a growth strategy based on expansion through acquisitions and strengthening its regional presence. The company focuses on acquiring smaller banks to increase its market share in existing regions and to ent...

Which raw materials are imported and from which countries?

Unfortunately, specific information about the imported raw materials or materials of Park National Corporation (NYSEAM:PRK) is not directly available, as it is a financial services and bank holding company. Such companies are usually not directly involved in the production or trading of physical raw...

How strong is the company’s competitive advantage?

Return on Equity (ROE): 12.5% (2025) Net Interest Margin: 3.8% (2025) Market Share in the Regional Banking Sector: 4.2% (2025) Park National Corporation has a solid competitive advantage in the regional banking sector, reflected in a stable Return on Equity (ROE) of 12.5%. This metric indicates that...

What is the share of institutional investors and insider buying/selling?

Institutional Investor Share: 45% (estimated for 2026) Insider Buys/Sells: No significant transactions in the last quarter (2026) The institutional investor share in Park National Corporation is approximately 45%. This indicates a moderate interest from institutional investors in the company, sugges...

What percentage market share does Park National have?

Market share of Park National Corporation: Estimated at 2-3% in the regional banking market (2026) Main competitors and their market share: JPMorgan Chase & Co.: approximately 12% Bank of America: approximately 11% Wells Fargo: approximately 9% Citigroup: approximately 8% U.S. Bancorp: approxim...

Is Park National stock currently a good investment?

Revenue Growth: 8.2% (2025) Profit Growth: 7.5% (2025) Dividend Yield: 4.1% (2025) Park National Corporation recorded solid revenue and profit growth in 2025. The company benefits from a stable customer base and a strong regional presence, contributing to a continuous increase in earnings. The divid...

Does Park National pay a dividend – and how reliable is the payout?

Dividend Yield: 3.6% (2026, estimated) Dividend History: Continuous payout over the last 10 years Park National Corporation is known for its reliable dividend policy. The company has consistently distributed dividends to its shareholders in recent years, indicating a stable financial foundation an...

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Park National Stock Value

Park National Company Info

Analyst Price Target

Top growth stocks in the financials sector (5Y.)

What does Park National do?

Park National Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal