Park National Corporation research snapshot
PRK AI stock analysis as of the August 4, 2026 data cutoff reads Park National Corporation as a well-capitalized Ohio and Tennessee relationship-based bank holding company that is executing a growth plan through the First Citizens Bancshares merger closed February 1, 2026, while keeping credit quality and profitability strong. The stock traded at $208.42 at 3:02 PM EDT on August 3, 2026, up 0.27 or 0.13% from the $208.15 July 31 close, within a session range reported near $207.03 to $214.00, carrying a market capitalization near $3.76 billion on about 18.06 million shares. The Q2 2026 report released July 27, 2026 delivered net income of $58.8 million, up 22.1% year over year, diluted EPS of $3.23, and adjusted diluted EPS of $3.40 against a consensus of $2.96, with net interest margin expanding to 4.81% and an efficiency ratio of 56.30%. Total assets reached $12.7 billion at June 30, 2026, total loans rose 20.9% during 2026 including $1.58 billion acquired in the First Citizens transaction, and total deposits grew 29.4% including $2.22 billion acquired, with nonperforming loans at a stable 0.86% of loans and net charge-offs of 0.10% annualized. The bullish case depends on the third-quarter First Citizens systems conversion, continued loan and deposit growth, and stable margins, while the caution is that PRK now trades at a premium to regional bank peers with the analyst consensus target near $211.33 only about 1% above the price.
Current price
$208.42 at the August 3, 2026, 3:02 PM EDT reading, up 0.27 or 0.13% from the $208.15 July 31 close, within a session range reported near $207.03 to $214.00 after opening at $210.00
Market cap
$3.76 billion implied by the $208.42 price times 18.06 million shares, verified within 0.00% of reported market cap math, with StockAnalysis.com reporting $3.76 billion and Macrotrends reporting $3.767 billion at the July 31 close
AI score
74 / 100
Rating
High quality relationship-based regional bank post-merger with a strong Q2 2026 beat on adjusted EPS of $3.40 versus consensus of $2.96, an expanding net interest margin, and stable credit, now trading at a premium valuation to regional bank peers
Trend status
Bullish trend with PRK above its computed 5-day, 10-day, 20-day, 50-day, and 200-day moving averages after the July 28 post-earnings jump of 9.31%, but 14-day RSI near 72.6 is in overbought territory just under the 52-week high near $214.10
Data cutoff (updated monthly)
August 4, 2026
Informational use only. This page is not investment advice.
| Dimension | Conclusion | Confidence |
|---|---|---|
| Business quality | Park National sells deposit, lending, treasury management, trust, and wealth management services across Ohio and Tennessee through more than 100 branches and multiple community bank brands, with net income of $58.8 million in Q2 2026 and a return on average assets of 1.84%. | High |
| Moat | The moat comes from long-standing community relationships, local decision-making, a conservative credit culture, a growing low-cost deposit base, and regional brand recognition. It narrows when larger national or regional banks target the same customers with better technology or pricing. | Medium |
| Management | CEO Matthew R. Miller, named in July 2025, is leading the First Citizens Bancshares integration with a third-quarter systems conversion as the next milestone, while Chairman David L. Trautman continues in his board role. The leadership team has emphasized disciplined growth, credit quality, and consistent dividend increases. | Medium-high |
| Financial trend | Q2 2026 net income rose 22.1% to $58.8 million, diluted EPS rose 8.8% to $3.23, adjusted EPS of $3.40 beat consensus of $2.96, net interest margin expanded to 4.81% from 4.75%, and the efficiency ratio improved to 56.30%. First-half 2026 net income rose 11.3% to $100.4 million. | High |
| Valuation | At $208.42, PRK trades near 18.6x trailing EPS and about 16x forward consensus EPS of $12.99, well above the roughly 10x to 14x typical of many regional bank peers, with a price to book of 2.18x and a price to tangible book of 2.64x. The dividend yield is near 2.1% with a payout ratio around 39%. | Medium |
| Technical trend | PRK trades above its computed 5-day average near $209.34 and its 20-day average near $192.04, above the 50-day average near $182.63 and the 200-day average near $167.84, and just under the 52-week high near $214.10, but the 14-day RSI near 72.6 is overbought after the July 28 post-earnings jump of 9.31%. | Medium |
| Risk level | Key risks are First Citizens merger integration and the third-quarter systems conversion, net interest margin pressure from deposit repricing, commercial real estate and agricultural loan credit quality, a regional economic slowdown in Ohio and Tennessee, a premium valuation relative to peers, and an overbought near-term technical setup. | High |
| AI confidence | Data confidence is high for reported financials, market data, and cross-checked math that matched across StockAnalysis.com, Macrotrends, and the July 27, 2026 earnings release. Forecast confidence is medium because merger integration, rate path, and credit cycle can shift the outlook. | High data confidence |
| Investment certainty | PRK screens as a high quality, consistently profitable regional bank with strong Q2 2026 execution, but the premium valuation leaves limited margin of safety, so certainty is medium rather than high. | Medium |
PRK AI stock forecast
The PRK AI stock forecast uses scenario math around the $208.42 August 3, 2026 reading and the FY2026 consensus adjusted EPS of $12.99. A three-year model assuming adjusted EPS growth of 10% with a 16x exit multiple points to a bullish area near $277, 6% growth with 14x points to a base area near $217, and 1% growth with 11x points to a bearish area near $147. These are scenarios, not price promises, and the analyst consensus target is $211.33 with a Hold rating.
$260 to $290
More likely if the First Citizens systems conversion goes smoothly, net interest margin holds near 4.8%, loan and deposit growth continue in the expanded Ohio and Tennessee footprint, credit quality stays benign, and the market keeps PRK near a 16x forward multiple on 10% adjusted EPS growth.
$200 to $228
More likely if merger integration proceeds on schedule, net interest margin stays near current levels, loan growth tracks the regional economy, credit remains stable, and the market holds PRK near a 14x forward multiple on mid single-digit adjusted EPS growth.
$130 to $160
More likely if the regional economy weakens, commercial real estate or agricultural credit losses rise, deposit costs outpace asset repricing, the systems conversion or merger integration slips, or the market compresses regional banks toward an 11x or lower multiple.
PRK AI technical analysis
PRK AI technical analysis as of the August 4, 2026 data cutoff shows a bullish trend with an overbought near-term reading. The stock traded at $208.42 at 3:02 PM EDT on August 3, up 0.27 or 0.13% from the $208.15 July 31 close, after jumping 9.31% on July 28 following the July 27 Q2 earnings release. The computed 5-day moving average is near $209.34, the 10-day near $198.42, and the 20-day near $192.04 based on StockAnalysis.com daily closes through August 3, while StockAnalysis.com statistics reports the 50-day near $182.63 and the 200-day near $167.84. The 14-day RSI near 72.6 sits in overbought territory, and the 52-week range is $149.06 to $214.10 with the high set on July 29.
| Level | Value | Why it matters |
|---|---|---|
| Current price | $208.42 | StockAnalysis.com real-time quote at the August 3, 2026, 3:02 PM EDT reading, up 0.27 or 0.13% from the $208.15 July 31 close within a session range reported near $207.03 to $214.00 after opening at $210.00. |
| 52-week high resistance | $214.10 | The 52-week high of $214.10 was set on July 29, 2026, with the August 3 session high near $214.00, so this band is the immediate supply zone. |
| Near resistance | $212 to $214 | StockAnalysis.com daily closes show PRK testing the $212 to $214 area on July 29 and August 3, making this the key overhead zone for a continued breakout. |
| Near support | $204 to $207 | The July 30 low near $204.44 and the July 28 close near $206.97 form the first downside reference if the overbought reading cools. |
| 20-day moving average | About $192.04 | Computed as the simple average of the twenty StockAnalysis.com daily closes through August 3, 2026, serving as the main pullback support reference. |
| 50-day moving average | About $182.63 | StockAnalysis.com statistics reported the 50-day moving average near $182.63 on August 3, 2026, below the current price and confirming the medium-term uptrend. |
| 200-day moving average | About $167.84 | StockAnalysis.com statistics reported the 200-day trend line near $167.84 on August 3, 2026, below the current price and confirming the longer-term uptrend. |
| Deeper support | $149.06 to $168 | The 52-week low near $149.06 and the 200-day area near $167.84 represent deeper zones if a broad regional bank selloff occurs. |
| Momentum | RSI near 72.6 | The 14-day RSI near 72.6 on StockAnalysis.com statistics is in overbought territory, so momentum is stretched after the post-earnings jump even though the trend is bullish. |
| Volume | About 110,000 shares average | StockAnalysis.com statistics lists 20-day average volume near 109,978 shares, with the July 28 earnings reaction trading about 391,200 shares, so breakout moves need volume confirmation. |
| Volatility | Moderate, beta near 0.68 | StockAnalysis.com statistics reports a five-year beta near 0.68, so PRK has historically moved less than the market, though post-earnings sessions can still be volatile. |
| Invalidation | Close below $192 | A decisive close below the 20-day moving average near $192.04 would weaken the short-term uptrend, and a close below the 50-day near $182.63 would turn it bearish. |
PRK AI trading strategy
The PRK AI trading strategy below is a rules-based research framework, not personal advice. It connects price action with net interest margin, loan and deposit growth, credit quality, merger integration milestones, and dividend trajectory.
Watch for PRK to hold above the $204 to $207 support zone and to break and sustain above the $212 to $214 area toward the 52-week high near $214.10 on volume above the roughly 110,000 share average while management completes the third-quarter First Citizens systems conversion and margin guidance stays constructive.
A daily close below the 20-day moving average near $192, weaker margin guidance, rising nonperforming loans, or merger integration delays should reduce trend-following confidence.
If PRK pulls back toward the $192 to $200 area near the computed 20-day moving average without fundamental deterioration in credit quality or earnings, compare the entry with the audited base and bearish scenarios before treating the move as a buying opportunity, especially given the overbought RSI near 72.6.
Do not treat every regional bank pullback as a buying opportunity if the cause is a rising credit cycle, deposit cost pressure, or a rate path that compresses net interest margins structurally.
Track net interest income and margin, loan growth by category, deposit mix and cost, nonperforming loans and net charge-offs, provision for credit losses, efficiency ratio, tangible book value per share, First Citizens integration milestones, and dividend trajectory.
Position sizing should reflect that regional bank stocks can draw down sharply during credit cycle or rate path shifts even when individual credit quality is sound, and that PRK trades at a premium to peers.
Investment research summary
Customers pay Park National for deposit safety, lending relationships, treasury management, and trust and wealth services delivered through local community bank brands that combine decision-making autonomy with the resources of a well-capitalized holding company.
Park National benefits from long-standing community relationships, local decision-making, a conservative credit culture, a stable low-cost deposit base, and brand recognition across its Ohio and Tennessee footprint. The moat can narrow if larger banks outspend on digital banking or if customer preferences shift away from branch-centric relationships.
The thesis fails if First Citizens integration produces fewer cost saves than expected or the third-quarter systems conversion disrupts customers, credit quality deteriorates in commercial real estate or agricultural loans, deposit costs rise faster than asset yields compress the margin, or the premium valuation resets as regional banks re-rate lower as a group.
CEO Matthew R. Miller leads the company with Chairman David L. Trautman continuing in his board role, and the team has demonstrated consistent capital allocation through organic growth, dividend increases, and the strategic First Citizens Bancshares acquisition that closed February 1, 2026. The capital allocation test is keeping credit quality and profitability intact while integrating a material acquisition.
Regional banking benefits from steady deposit relationships, commercial lending, and wealth management fees, but faces headwinds from deposit repricing, technology investment demands, commercial real estate scrutiny, and the long-term shift from branch to digital banking.
At $208.42, PRK trades near the base case that assumes 6% adjusted EPS growth and a 14x exit multiple, with the consensus target near $211.33 implying only about 1% upside. Margin of safety is limited because the current price already reflects the Q2 2026 beat and a premium to regional bank peers.
Source-backed data
Every metric below includes a source and last verification date.
| Metric | Value | Source | Last verified |
|---|---|---|---|
| PRK price | $208.42 at the August 3, 2026, 3:02 PM EDT reading, up 0.27 or 0.13% from the $208.15 July 31 close, within a session range reported near $207.03 to $214.00 after opening at $210.00 | StockAnalysis.com real-time quote | August 4, 2026 |
| Market capitalization verification | $3.76 billion calculated from $208.42 x 18.06 million shares; tool deviation versus reported $3.76 billion was 0.00%, with Macrotrends reporting $3.767 billion at the July 31 close | Pineify financial_rigor.py, StockAnalysis.com, and Macrotrends | August 4, 2026 |
| Shares outstanding | About 18.06 million shares on StockAnalysis.com, matching the earnings release period-end figure of 18,064,161 common shares at June 30, 2026 | StockAnalysis.com statistics and Park National Q2 2026 earnings release | August 4, 2026 |
| Q2 2026 GAAP results | Net income of $58.8 million, up 22.1% year over year; diluted EPS of $3.23 versus $2.97 in Q2 2025; net interest income of $138.857 million, up 27.4%; income before income taxes of $72.862 million | Park National Q2 2026 earnings release (GlobeNewswire) | July 27, 2026 |
| Q2 2026 adjusted results | Adjusted diluted EPS of $3.40 versus consensus of $2.96; Q2 2026 included $4.1 million ($3.3 million after tax) of merger related expenses; adjusted net income of $61.8 million | Park National Q2 2026 earnings release non-GAAP reconciliation and TheFly summary | July 27, 2026 |
| First-half 2026 results | H1 2026 net income of $100.4 million, up 11.3% year over year; diluted EPS of $5.64 versus $5.56; adjusted diluted EPS of $6.47 versus $5.47; $19.6 million ($15.5 million after tax) of merger related expenses | Park National Q2 2026 earnings release | July 27, 2026 |
| Net interest margin and efficiency | Net interest margin of 4.81% in Q2 2026 versus 4.75% in Q2 2025 and 4.80% in Q1 2026; efficiency ratio of 56.30% versus 55.68% in Q2 2025; pre-tax pre-provision net income of $77.4 million in Q2 2026 | Park National Q2 2026 earnings release | July 27, 2026 |
| Balance sheet June 30, 2026 | Total assets of $12.677 billion; total loans of $9.731 billion; total deposits of $10.670 billion; borrowings of $137.4 million; total shareholders equity of $1.727 billion; book value per share of $95.58; tangible book value per share of $78.92 | Park National Q2 2026 earnings release and StockAnalysis.com balance sheet | August 4, 2026 |
| Credit quality | Nonperforming loans of $83.763 million, or 0.86% of loans; nonperforming assets of $103.599 million, or 1.06% of loans plus OREO; allowance for credit losses of $110.686 million, or 1.14% of loans; net charge-offs of $2.479 million in Q2, or 0.10% annualized | Park National Q2 2026 earnings release | July 27, 2026 |
| 2026 loan and deposit growth | Total loans increased $1.68 billion, or 20.9%, during 2026 including $1.58 billion acquired through the First Citizens transaction; total deposits increased $2.43 billion, or 29.4%, including $2.22 billion acquired; total assets near $12.7 billion at June 30, 2026 | Park National Q2 2026 earnings release | July 27, 2026 |
| Dividend profile | Quarterly cash dividend of $1.10 declared July 27, 2026, payable September 10, 2026 to shareholders of record August 21, 2026; annual dividend near $4.40; yield near 2.1% at the August 3 price; payout ratio near 39% | Park National Q2 2026 earnings release and StockAnalysis.com dividend page | August 4, 2026 |
| Analyst consensus and price target | Consensus rating: Hold (4 analysts); average price target $211.33; range $205 to $217 with a median near $212 | StockAnalysis.com forecast | August 4, 2026 |
| Recent analyst target updates | KBW raised the price target to $205 from $180 and kept a Market Perform rating on July 30; Piper Sandler raised the target to $217 from $189 and kept a Neutral rating on July 28; Raymond James initiated coverage with a Market Perform rating on July 7 | StockAnalysis.com forecast and news feed | August 4, 2026 |
| FY2026 and FY2027 consensus estimates | FY2026 revenue estimate near $691.61 million with adjusted EPS near $12.99, up 15.32%; FY2027 revenue estimate near $709.41 million with adjusted EPS near $13.23 | StockAnalysis.com forecast | August 4, 2026 |
| FY2025 results | Revenue of $545.70 million, up 7.83% year over year; net income of $180.07 million, up 18.92%; diluted EPS of $11.11 | StockAnalysis.com financials | August 4, 2026 |
| TTM financials | TTM revenue near $608.67 million; TTM net income near $190.24 million; TTM EPS near $11.19; operating cash flow near $191.50 million; free cash flow near $181.94 million; free cash flow per share near $10.07 | StockAnalysis.com statistics | August 4, 2026 |
| Valuation ratios | Trailing PE near 18.6x; forward PE near 15.7x to 16.0x depending on basis; PS near 6.18x; PB near 2.18x; P/TBV near 2.64x; P/FCF near 20.67x; ROE near 12.59%; ROA near 1.68% | StockAnalysis.com statistics and Pineify financial_rigor.py verify-valuation | August 4, 2026 |
| Technical indicators | 5-day moving average near $209.34, 10-day near $198.42, and 20-day near $192.04 computed from StockAnalysis.com daily closes; 50-day near $182.63 and 200-day near $167.84 on StockAnalysis.com statistics; 14-day RSI near 72.6; 20-day average volume near 109,978 shares; 52-week range $149.06 to $214.10 | StockAnalysis.com statistics and daily price history | August 4, 2026 |
| Ownership and short interest | Insider ownership near 2.26%; institutional ownership near 45.15%; float near 16.21 million shares; short interest near 690,764 shares, or 3.82% of shares outstanding with about 5.63 days to cover | StockAnalysis.com statistics | August 4, 2026 |
| First Citizens merger context | Announced October 27, 2025 and closed February 1, 2026 through an all-stock transaction with First Citizens Bancshares, Inc., adding a Tennessee footprint; a third-quarter First Citizens systems conversion is the next integration milestone | Park National Q2 2026 earnings release and TheFly merger announcement summary | August 4, 2026 |
| Company profile | Park National Corporation was founded in 1908 and is headquartered in Newark, Ohio, operating as the bank holding company for The Park National Bank with roughly 1,797 employees; CEO is Matthew R. Miller and Chairman is David L. Trautman | StockAnalysis.com company profile | August 4, 2026 |
This PRK AI stock analysis is an informational research tool only and is not investment advice, tax advice, or a recommendation to buy or sell any security. Forecast scenarios are based on available public data as of August 4, 2026, and can be wrong if Park National merger integration, credit quality, net interest margin, loan growth, operating expenses, regulation, competition, interest rate policy, or market valuation changes.
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