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Park National Financials

PRK
Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Park National (PRK) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Profitability Growth Leverage Liquidity Cash Flow Returns 44 / 100
Financial Profile 44/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth
38

Park National's revenue grew a modest 2.9% year-over-year to $664.4M. This slow but positive growth earns a score of 38/100.

Leverage
0

Park National has elevated debt relative to equity (D/E of 6.25), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow
97

Park National converts 28.9% of revenue into free cash flow ($191.9M). This strong cash generation earns a score of 97/100.

Returns
41

Park National's ROE of 13.3% shows moderate profitability relative to equity, earning a score of 41/100. This is up from 12.2% the prior year.

Piotroski F-Score Neutral
5/9

Park National passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed
1.10x

For every $1 of reported earnings, Park National generates $1.10 in operating cash flow ($198.3M OCF vs $180.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue
$664.4M
YoY+2.9%
5Y CAGR+13.2%
10Y CAGR+9.6%

Park National generated $664.4M in revenue in fiscal year 2025. This represents an increase of 2.9% from the prior year.

EBITDA
N/A
Net Income
$180.1M
YoY+18.9%
5Y CAGR+7.1%
10Y CAGR+8.3%

Park National reported $180.1M in net income in fiscal year 2025. This represents an increase of 18.9% from the prior year.

EPS (Diluted)
$11.11
YoY+19.2%
5Y CAGR+7.3%
10Y CAGR+7.8%

Park National earned $11.11 per diluted share (EPS) in fiscal year 2025. This represents an increase of 19.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow
$191.9M
YoY+13.1%
5Y CAGR+18.3%
10Y CAGR+9.4%

Park National generated $191.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 13.1% from the prior year.

Cash & Debt
$233.5M
YoY+45.4%
5Y CAGR-8.8%
10Y CAGR+4.6%

Park National held $233.5M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share
$5.53
YoY+16.7%
5Y CAGR+5.3%
10Y CAGR+3.9%

Park National paid $5.53 per share in dividends in fiscal year 2025. This represents an increase of 16.7% from the prior year.

Shares Outstanding
N/A

Margins & Returns

Gross Margin
N/A
Operating Margin
N/A
Net Margin
27.1%
YoY+3.6pp
5Y CAGR-8.7pp
10Y CAGR-3.5pp

Park National's net profit margin was 27.1% in fiscal year 2025, showing the share of revenue converted to profit. This is up 3.6 percentage points from the prior year.

Return on Equity
13.3%
YoY+1.1pp
5Y CAGR+1.0pp
10Y CAGR+1.9pp

Park National's ROE was 13.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.1 percentage points from the prior year.

Capital Allocation

R&D Spending
N/A
Share Buybacks
$20.1M
5Y CAGR+21.8%

Park National spent $20.1M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures
$6.4M
YoY-30.6%
5Y CAGR-26.0%
10Y CAGR-5.6%

Park National invested $6.4M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 30.6% from the prior year.

PRK Income Statement

Metric Q4'25 Q3'25 Q2'25 Q1'25 Q4'24 Q3'24 Q2'24 Q1'24
Revenue $168.3M-0.7% $169.5M+0.5% $168.7M+6.8% $157.9M-4.1% $164.7M-3.3% $170.3M+8.0% $157.7M+3.2% $152.8M
Cost of Revenue N/A N/A N/A N/A N/A N/A N/A N/A
Gross Profit N/A N/A N/A N/A N/A N/A N/A N/A
R&D Expenses N/A N/A N/A N/A N/A N/A N/A N/A
SG&A Expenses N/A N/A N/A N/A N/A N/A N/A N/A
Operating Income N/A N/A N/A N/A N/A N/A N/A N/A
Interest Expense $24.0M-14.2% $27.9M+1.6% $27.5M-1.1% $27.8M-7.8% $30.2M-7.7% $32.7M+5.2% $31.1M+0.2% $31.0M
Income Tax $10.0M-8.3% $10.9M-2.6% $11.2M+24.1% $9.0M+3.9% $8.7M+3.2% $8.4M-5.9% $9.0M+24.3% $7.2M
Net Income $42.6M-9.6% $47.2M-2.0% $48.1M+14.1% $42.2M+9.1% $38.6M+1.1% $38.2M-2.9% $39.4M+11.8% $35.2M
EPS (Diluted) N/A $2.92-1.7% $2.97+14.2% $2.60 N/A $2.35-2.9% $2.42+11.5% $2.17

PRK Balance Sheet

Metric Q4'25 Q3'25 Q2'25 Q1'25 Q4'24 Q3'24 Q2'24 Q1'24
Total Assets $9.8B-0.6% $9.9B-0.9% $9.9B+0.6% $9.9B+0.8% $9.8B-1.0% $9.9B-0.2% $9.9B+0.4% $9.9B
Current Assets N/A N/A N/A N/A N/A N/A N/A N/A
Cash & Equivalents $233.5M+6.7% $218.9M+13.4% $193.1M-18.7% $237.6M+48.0% $160.6M-20.4% $201.7M-22.9% $261.5M-14.6% $306.1M
Inventory N/A N/A N/A N/A N/A N/A N/A N/A
Accounts Receivable N/A N/A N/A N/A N/A N/A N/A N/A
Goodwill $159.6M0.0% $159.6M0.0% $159.6M0.0% $159.6M0.0% $159.6M0.0% $159.6M0.0% $159.6M0.0% $159.6M
Total Liabilities $8.5B-0.9% $8.5B-1.4% $8.7B+0.6% $8.6B+0.5% $8.6B-1.2% $8.7B-0.8% $8.7B+0.2% $8.7B
Current Liabilities N/A N/A N/A N/A N/A N/A N/A N/A
Long-Term Debt N/A N/A N/A N/A N/A N/A N/A N/A
Total Equity $1.4B+1.6% $1.3B+2.9% $1.3B+1.2% $1.3B+2.8% $1.2B+0.4% $1.2B+4.7% $1.2B+1.8% $1.2B
Retained Earnings $1.1B+0.5% $1.1B+2.9% $1.0B+3.1% $1.0B+2.5% $977.6M+1.4% $964.0M+2.2% $943.1M+2.4% $921.1M

PRK Cash Flow Statement

Metric Q4'25 Q3'25 Q2'25 Q1'25 Q4'24 Q3'24 Q2'24 Q1'24
Operating Cash Flow $58.2M+10.7% $52.6M+5.8% $49.7M+31.2% $37.9M-23.1% $49.2M+12.5% $43.8M-14.0% $50.9M+45.3% $35.0M
Capital Expenditures $2.5M+65.3% $1.5M+14.1% $1.3M+22.2% $1.1M-48.5% $2.1M+0.1% $2.1M+12.1% $1.9M-40.7% $3.1M
Free Cash Flow $55.7M+9.1% $51.1M+5.6% $48.4M+31.5% $36.8M-22.0% $47.1M+13.1% $41.7M-15.0% $49.0M+53.8% $31.9M
Investing Cash Flow $76.3M-27.9% $105.8M+198.9% -$107.0M-1072.9% $11.0M-66.7% $33.0M+390.7% -$11.4M+84.4% -$72.9M-327.3% $32.1M
Financing Cash Flow -$119.9M+9.5% -$132.6M-1137.2% $12.8M-54.7% $28.2M+122.9% -$123.4M-33.8% -$92.2M-307.6% -$22.6M-209.0% $20.8M
Dividends Paid N/A N/A N/A N/A N/A N/A N/A N/A
Share Buybacks $0 $0 N/A N/A $0 $0 $0 $0

PRK Financial Ratios

Metric Q4'25 Q3'25 Q2'25 Q1'25 Q4'24 Q3'24 Q2'24 Q1'24
Gross Margin N/A N/A N/A N/A N/A N/A N/A N/A
Operating Margin N/A N/A N/A N/A N/A N/A N/A N/A
Net Margin 25.3%-2.5pp 27.8%-0.7pp 28.5%+1.8pp 26.7%+3.2pp 23.5%+1.0pp 22.4%-2.5pp 25.0%+1.9pp 23.0%
Return on Equity 3.1%-0.4pp 3.5%-0.2pp 3.7%+0.4pp 3.3%+0.2pp 3.1%+0.0pp 3.1%-0.3pp 3.3%+0.3pp 3.0%
Return on Assets 0.4%-0.0pp 0.5%0.0pp 0.5%+0.0pp 0.4%+0.0pp 0.4%0.0pp 0.4%-0.0pp 0.4%+0.0pp 0.4%
Current Ratio N/A N/A N/A N/A N/A N/A N/A N/A
Debt-to-Equity 6.25-0.2 6.41-0.3 6.69-0.0 6.73-0.2 6.88-0.1 6.99-0.4 7.38-0.1 7.50
FCF Margin 33.1%+3.0pp 30.1%+1.5pp 28.7%+5.4pp 23.3%-5.3pp 28.6%+4.2pp 24.5%-6.6pp 31.1%+10.2pp 20.8%

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Frequently Asked Questions

Park National (PRK) reported $664.4M in total revenue for fiscal year 2025. This represents a 2.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

Park National (PRK) revenue grew by 2.9% year-over-year, from $645.6M to $664.4M in fiscal year 2025.

Yes, Park National (PRK) reported a net income of $180.1M in fiscal year 2025, with a net profit margin of 27.1%.

Park National (PRK) reported diluted earnings per share of $11.11 for fiscal year 2025. This represents a 19.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Park National (PRK) had a net profit margin of 27.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Yes, Park National (PRK) paid $5.53 per share in dividends during fiscal year 2025.

Park National (PRK) has a return on equity of 13.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

Park National (PRK) generated $191.9M in free cash flow during fiscal year 2025. This represents a 13.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

Park National (PRK) generated $198.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

Park National (PRK) had $9.8B in total assets as of fiscal year 2025, including both current and long-term assets.

Park National (PRK) invested $6.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Yes, Park National (PRK) spent $20.1M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Park National (PRK) had a debt-to-equity ratio of 6.25 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

Park National (PRK) had a return on assets of 1.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

Park National (PRK) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Park National (PRK) has an earnings quality ratio of 1.10x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Park National (PRK) scores 44 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.

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