Park National Corporation
Park National Corporation Fundamental Analysis
Park National Corporation (PRK) shows moderate financial fundamentals with a PE ratio of 15.37, profit margin of 27.10%, and ROE of 13.70%. The company generates $0.7B in annual revenue with weak year-over-year growth of 2.92%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 75.9/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze PRK's fundamental strength across five key dimensions:
Efficiency Score
WeakPRK struggles to generate sufficient returns from assets.
Valuation Score
ModeratePRK shows balanced valuation metrics.
Growth Score
ModeratePRK shows steady but slowing expansion.
Financial Health Score
ExcellentPRK maintains a strong and stable balance sheet.
Profitability Score
ModeratePRK maintains healthy but balanced margins.
Key Financial Metrics
Is PRK Expensive or Cheap?
P/E Ratio
PRK trades at 15.37 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, PRK's PEG of 6.45 indicates potential overvaluation.
Price to Book
The market values Park National Corporation at 2.05 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 13.70 times EBITDA. This signals the market has high growth expectations.
How Well Does PRK Make Money?
Net Profit Margin
For every $100 in sales, Park National Corporation keeps $27.10 as profit after all expenses.
Operating Margin
Core operations generate 33.31 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $13.70 in profit for every $100 of shareholder equity.
ROA
Park National Corporation generates $1.84 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Park National Corporation generates strong operating cash flow of $222.87M, reflecting robust business health.
Free Cash Flow
Park National Corporation generates strong free cash flow of $215.71M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $11.94 in free cash annually.
FCF Yield
PRK converts 6.17% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
15.37
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
6.45
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.05
vs 25 benchmark
P/S Ratio
Price to sales ratio
4.68
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.07
vs 25 benchmark
Current Ratio
Current assets to current liabilities
2.04
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.14
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How PRK Stacks Against Its Sector Peers
| Metric | PRK Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 15.37 | 19.05 | Better (Cheaper) |
| ROE | 13.70% | 820.00% | Weak |
| Net Margin | 27.10% | 1618.00% | Weak |
| Debt/Equity | 0.07 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 2.04 | 657.68 | Strong Liquidity |
| ROA | 1.84% | -24974.00% (disorted) | Weak |
PRK outperforms its industry in 3 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Park National Corporation's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
39.39%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
42.75%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
80.14%
Industry Style: Value, Dividend, Cyclical
High Growth