Park National

PRK · NYSE · Financials · Financials, fiscal 2016 to 2025

PRK · Last close · November 6, 2026

$176.95

Park National's revenue rose 2.9% to $664 million in fiscal 2025. Net income was $180 million, up 18.9%. Its return on equity was 13.9%, up from 12.7% a year earlier. Its efficiency ratio was 48.8%, down from 49.8% a year earlier. It paid out $110 million in dividends and buybacks. The diluted share count fell 0.3%.

PARK NATIONAL CORPORATION Latest fiscal year ended December 31, 2025 10-K filed February 23, 2026 · 0000805676-26-000017 Updated November 6, 2026

Revenue

$664M

2.9%

Net income

$180M

18.9%

Return on equity

13.9%

1.2 pts

Return on tangible equity

15.8%

1.2 pts

Efficiency ratio

48.8%

1.0 pts

Market cap

$3.2B

Nov 6 close

P/E

15.5x

On $11.38 EPS, 4 qtrs

Return on equity is net income as a share of shareholders' equity; return on tangible equity leaves out goodwill and other intangible assets. The efficiency ratio is operating costs as a share of revenue, so lower means the bank spends less to earn each dollar. Market cap is the last closing share price times the latest diluted share count, so it is approximate. P/E is the last close divided by diluted earnings per share over the last four quarters, or the latest fiscal year where the quarters aren't available; there is none when the company made a loss.

Charts show fiscal years, from the 10-K filings.

Income statement

Revenue and net income

US$ billions, fiscal years; net losses in red. Revenue on the left axis, net income on the right; zero is the same line on both. Revenue is net of interest expense.

Revenue (left axis)Net income (right axis)

Efficiency ratio and net interest income

Percent of revenue. The efficiency ratio is noninterest expense over revenue.

Efficiency ratioNet interest income share

From fiscal 2016 to 2025, earnings per share grew 7.9% a year and net income 8.5% a year, as new shares raised the share count by 5% and diluted each share's earnings.

Diluted earnings per share

US$ per share, fiscal years, restated for any stock splits; loss years in red.

Return on equity

Percent. Net income over average equity; tangible equity excludes goodwill, intangibles and preferred stock.

Return on equityReturn on tangible common equity

Balance sheet

Loans and deposits

US$ billions, at each fiscal year end

Loans, netDeposits

Total assets and shareholders' equity

US$ billions, at each fiscal year end. Assets on the left axis, equity on the right.

Total assets (left axis)Equity (right axis)

Five years at a glance

Fiscal year end	FY21	FY22	FY23	FY24	FY25
Loans, net	6,788	7,056	7,392	7,729	7,958
Deposits	7,904	8,235	8,043	8,144	8,244
Loans to deposits	85.9%	85.7%	91.9%	94.9%	96.5%
Provision for credit losses	−12	5	3	14	12
Provision to average loans	−0.2%	0.1%	0.0%	0.2%	0.1%
Total assets	9,560	9,855	9,836	9,805	9,805
Shareholders' equity	1,111	1,069	1,145	1,244	1,353

US$ millions unless stated, at each fiscal year end.

Cash flow

Stock-based compensation and buybacks

US$ billions, fiscal years. Shares paid to employees (stock-based compensation, a cost that uses no cash) against cash spent buying shares back. Buybacks that only match it leave the share count roughly where it was.

Stock-based compensationShare buybacks

Dividends and buybacks

US$ billions, cash paid in each fiscal year

DividendsShare buybacks

Diluted share count

Weighted-average diluted shares, millions

Projections

Project Park National's revenue, net income and earnings per share five years ahead in a bull, a base and a bear case with your own figures, and see the share prices your P/E estimates give them. Every projected figure is yours: it is not a forecast of ours.

Open Park National's projections

Insider trades

No officer, director or 10% owner of Park National reported buying or selling its shares on the open market between November 7, 2025 and November 6, 2026.

From Form 4 filings with the SEC. Grants, option exercises and shares withheld for tax aren't counted. Insider trades at all companies

Compare

Put Park National side by side with any other company we cover: revenue, growth, margins, cash flow and returns, with ten years of charts.

Similar companies

Company	Year	Revenue growth	Net margin	Return on equity	Return on tangible equity	Efficiency ratio	Compare
Park National	FY25	2.9%	27.1%	13.9%	15.8%	48.8%
Northwest Bancshares	FY25	25.3%	19.2%	7.2%	9.6%	66.6%	Compare
Seacoast Banking Corporation of Florida	FY25	26.6%	22.2%	5.9%	9.8%	63.6%	Compare
Merchants Bancorp	FY25	1.6%	32.1%	9.7%	7.7%	44.0%	Compare
Bancfirst	FY25	9.4%	34.8%	13.8%	15.5%	55.0%	Compare

Each company's latest fiscal year. Fiscal years end in different months, so the periods don't line up exactly.

10 years of figures

Fiscal year	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Income statement
Revenue	322	330	368	395	453	460	514	564	646	664
Revenue growth	5.5%	2.5%	11.4%	7.3%	14.8%	1.4%	11.8%	9.8%	14.4%	2.9%
Net interest income	238	244	267	298	328	330	347	373	398	437
Noninterest income	84	86	101	97	126	130	136	93	123	120
Noninterest expense	204	203	229	264	287	284	298	309	321	324
Provision for credit losses	−5	9	8	6	12	−12	5	3	14	12
Net income	86	84	110	103	128	154	148	127	151	180
Diluted EPS (US$)	5.59	5.47	7.07	6.29	7.80	9.37	9.06	7.80	9.32	11.11
Diluted shares (millions)	15	15	16	16	16	16	16	16	16	16
Payouts
Dividends paid	58	58	63	69	70	74	77	69	78	90
Share buybacks	0	7	6	40	8	16	0	23	0	20
Balance sheet at fiscal year end
Loans, net	5,221	5,322	5,641	6,445	7,092	6,788	7,056	7,392	7,729	7,958
Deposits	5,522	5,817	6,261	7,053	7,572	7,904	8,235	8,043	8,144	8,244
Total assets	7,468	7,538	7,804	8,558	9,279	9,560	9,855	9,836	9,805	9,805
Shareholders' equity	742	756	832	969	1,040	1,111	1,069	1,145	1,244	1,353
Ratios
Return on equity	11.8%	11.2%	13.9%	11.4%	12.7%	14.3%	13.6%	11.4%	12.7%	13.9%
Return on tangible common equity	13.1%	12.4%	15.8%	13.6%	15.3%	17.0%	16.1%	13.4%	14.7%	15.8%
Return on assets	1.2%	1.1%	1.4%	1.3%	1.4%	1.6%	1.5%	1.3%	1.5%	1.8%
Efficiency ratio	63.4%	61.5%	62.2%	66.8%	63.2%	61.7%	58.0%	54.8%	49.8%	48.8%

US$ millions unless stated. Where a later 10-K restated a year, the latest filed figure is shown. Download all figures (CSV, US$ millions)

Source: Park National's Form 10-K filings, from SEC EDGAR. For information only, not investment advice. The Filing Desk is not affiliated with Park National.