Pulling SEC filings + quote and writing the call…

PARK NATIONAL CORP /OH/
Next earnings Jul 27, 2026 · consensus $2.90 EPS, $170M rev
Last earnings -0.7% on 2026-04-24
Quality Ohio community bank with re-accelerating EPS and a fortress equity base, but 16x P/E leaves limited margin of safety.
Sources: SEC EDGAR (CIK 0000805676, latest 10-Q filed 2026-05-11) · EODHD · analysis by claude-code · as of 6/25/2026, 1:42:14 PM.
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Middling fundamentals offset by an attractive price (~58% below fair value) — worth a look on the value angle.
Park National is a well-run, conservatively capitalized community bank that posted a clean FY2025: revenue +2.9% to $664M, net income +18.9% to $180M, and diluted EPS +19.2% to $11.11. Profitability metrics are respectable for a regional bank — 27.1% net margin, 13.3% ROE — and the balance sheet shows real improvement: stockholders' equity grew 8.8% to $1.35B, cash jumped 45.4% to $234M, and current-portion debt was cut 70.8% to $81.7M. Operating cash flow of $198M (up 10.9%) comfortably covers the modest $6.4M of capex and the $20.1M share buyback, signaling a shareholder-friendly capital return posture without strain.
The risks, catalysts, 12-month price target and the cited SEC figures behind this rating — with Pro.
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| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | $514M | $564M | $646M | $664M |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $154M | $148M | $127M | $151M | $180M |
| Diluted EPS | $9.37 | $9.06 | $7.80 | $9.32 | $11.11 |
| Net margin | — | 28.9% | 22.5% | 23.5% | 27.1% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Reg FD disclosure with exhibits; routine investor communication, no material change.
Q1 2026 10-Q; clean filing, cash up 45% YoY, balance sheet steady.
Annual meeting vote results and director/officer matters; routine governance.
Reg FD disclosure with exhibits; likely investor presentation, no new financials.
Q1 2026 earnings release; results continue FY25 momentum with EPS growth trend.
Proxy statement for 2026 annual meeting; routine governance disclosure.
FY25: rev +2.9%, net income +18.9%, diluted EPS $11.11 (+19%); ICFR effective.
Reg FD disclosure with exhibits; routine investor-facing communication.
Completed an acquisition and announced officer change; expands franchise.
1049 tracked peers · median
Source: EODHD. Yield = trailing-12-month dividends ÷ price.
Recent news tone vs the market's typical (which skews positive). A soft signal, not a recommendation.
| 2026-03-31 | TRAUTMAN DAVID L Chairman of the Board | Award | 2.21K | |
| 2026-03-31 | TRAUTMAN DAVID L Chairman of the Board | Tax | 982.67 @ $163.45 | $161K |
| 2026-03-31 | TRAUTMAN DAVID L Chairman of the Board | Exercise | 1.72K | |
| 2026-03-31 | TRAUTMAN DAVID L Chairman of the Board | Tax | 767.84 @ $163.45 | $126K |
| 2026-03-31 | Herreman Kelly A Chief Accounting Officer | Award | 262.50 | |
| 2026-03-31 | Herreman Kelly A Chief Accounting Officer | Tax | 98.65 @ $163.45 | $16.1K |
| 2026-03-31 | Herreman Kelly A Chief Accounting Officer | Exercise | 262.50 | |
| 2026-03-31 | Herreman Kelly A Chief Accounting Officer | Tax | 108.13 @ $163.45 | $17.7K |
| 2026-03-31 | Burt Brady T Chief Financial Officer | Award | 1.07K | |
| 2026-03-31 | Burt Brady T Chief Financial Officer | Tax | 475.65 @ $163.45 | $77.7K |
| 2026-03-31 | Burt Brady T Chief Financial Officer | Exercise | 1.13K | |
| 2026-03-31 | Burt Brady T Chief Financial Officer | Tax | 507.95 @ $163.45 | $83.0K |
Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.