Park National Corp. (PRK)
NYSE MKTFinancialsBanks - RegionalSnapshot 2026-09-04
$194.73-0.47%
Close 2026-09-04 · 1-day change
NYSE MKTFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · PRK
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 34.5% |
| Our one-year growth estimate | diamond | -3.0% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 37.5 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
PRK — dividend update
Dated 2026-07-27
Other Events Declaration of Cash Dividend As reported in the Financial Results News Release, on July 27, 2026, the Park Board of Directors declared a $1.10 per common share quarterly cash dividend in respect of Park's common shares. The cash dividend is payable on September 10, 2026 to common shareholders of record as of the close of business on August 21, 2026. A copy of the Financial Results News Release is included as Exhibit 99.1 and the portion thereof addressing the declaration of the q…
Why it matters: A smooth change in systems helps get merger benefits. It also improves customer service.
Supportive ifManagement says the systems change is done on time and without big problems.
Worry ifManagement reports big delays or problems during the systems change.
Why it matters: More charge-offs may mean higher credit risk. This can hurt overall financial health.
Worry ifNet charge-offs increase above 1.5% of total loans in the next quarter.
Less concerning ifNet charge-offs are under 1.0% of total loans. This shows strong credit quality.
Why it matters: How well the merger works will show if it brings expected benefits and growth.
Supportive ifManagement says they met key goals six months after the merger.
Worry ifReports show big problems or delays in the integration process.
Why it matters: If First Citizens integrates well, it will show Park is growing.
Supportive ifTennessee operations report a profit margin over 15% in six months.
Worry ifTennessee operations report a loss or margin below 5% within six months.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$109 on $10,000 · ±1.1% | How much price usually moves either way. |
| Bad day | $227 loss on $10,000 · 2.3% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,330 loss on $10,000 · 13.3% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Keeping the dividend shows good money management. It also shows strong finances. This makes investors feel secure.
Watch forManagement confirms the dividend payout remains at $1.10 per share for the next quarter.
Also watch forA reduction in the dividend payout below $1.10 per share.
Why it matters: Keeping the dividend shows good management of money. It shows care for shareholders.
Supportive ifPark declares a quarterly cash dividend of at least $1.10 per share in Q3.
Worry ifDividend payout is reduced or suspended in Q3.
Why it matters: Higher net income shows that management is handling merger costs well. Operations are better.
Supportive ifQ2 net income exceeds $41.7 million reported for Q1 2026.
Worry ifQ2 net income is below $41.7 million, showing ongoing problems.
Why it matters: A steady dividend payout shows good capital management. It also shows investor trust.
Supportive ifThe dividend payout remains at $1.10 per share in June 2026.
Worry ifThe dividend payout is cut or suspended in June 2026.
Why it matters: This change is important for better operations and customer service. Success helps long-term growth.
Supportive ifManagement says the systems change will be done by the end of Q3 2026.
Worry ifThere are delays or problems in the systems change process.
Why it matters: This acquisition could greatly increase Park's revenue. This is especially true in the Tennessee area.
Supportive ifRevenue from Tennessee operations increases by at least 10% in Q2 2026.
Worry ifRevenue from Tennessee operations shows no growth or declines in Q2 2026.
Why it matters: A steady or higher dividend shows strong finances. It shows a commitment to shareholders.
Supportive ifAnnouncement of a dividend payout of $1.10 or higher in Q3 2026.
Worry ifAnnouncement of a decrease in the dividend payout.
Why it matters: A strong growth rate shows the merger and strategies are working well.
Supportive ifQ3 net income growth reported at greater than 20% year over year.
Worry ifQ3 net income growth reported below 10% year over year.
Why it matters: Changes in the dividend may show shifts in how money is used or financial health.
Watch forThe quarterly cash dividend remains at $1.10 per share for Q3 2026.
Also watch forThe quarterly cash dividend is reduced from $1.10 per share.
Why it matters: Changes in the dividend payout ratio can show management's trust in future earnings.
Watch forManagement announces an increase in the dividend payout ratio beyond $1.10 per share.
Also watch forManagement cuts the dividend payout or maintains it at $1.10 without plans for increases.
Why it matters: A drop below this level could indicate a slowdown in the financial sector, affecting Park's growth.
Worry ifSector revenue growth falls below 10% in the next quarterly report.
Less concerning ifSector revenue growth remains at or above 10% in the next quarterly report.
Why it matters: The Producer Price Index affects how people think about inflation. High inflation can change loan demand and interest rates.
Watch forPPI increases more than 0.5% month over month.
Also watch forPPI decreases or increases less than 0.2% month over month.
Why it matters: The FOMC's choice on interest rates will affect Park's net interest margin. It will also impact overall profits.
Watch forFOMC raises interest rates by 25 basis points.
Also watch forFOMC keeps interest rates unchanged or lowers them.
Why it matters: Loan growth is key to Park's revenue. A slowdown could signal integration issues from the merger.
Worry ifTotal loans increase by more than 15% year over year in Q3.
Less concerning ifTotal loans grow less than 5% year over year in Q3.