Park National Corporation (PRK) Fair Value 2026

PRK · National Commercial Banks ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.6 /10

32 fundamental signals · 12 models active

Value Trap Risk

SAFE (20/100)

Quick Summary — As of 2026-07-13, Park National Corporation (PRK) trades at $185.58, approximately 44% below CirclFi’s Bayesian DCF fair value of $330.76. QOC: 8.6/10. Value Trap Risk: 20/100 (SAFE). 12/13 models active.

Key Facts

Ticker
PRK
Price
$185.58
Quality Score
8.6/10
Value Trap Risk
20/100
Models Active
12/13
Last Updated
Strength: Bayesian DCF suggests +78.2% upside with 58% confidence
Risk: Limited model coverage (12/13) may reduce confidence

Valuation Matrix

12 Intrinsic Value Models vs. Current Price ($185.58)

Core Models (Unlocked)
Model Fair Value Upside
Bayesian DCF
High Conviction
$330.76 +78.2%
Earnings Power Value
High Conviction
$68.95 -62.8%
CUCE Ensemble
Low Conviction
$196.52 +5.9%
First Chicago
High Conviction
$262.35 +41.4%

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What Is Park National Corporation (PRK) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Park National Corporation's intrinsic value is estimated at a composite $201.50, showing conflicting signals at the current price of $185.58. While the average implied return is +8.6%, model disagreement is elevated with a gap of +170.9% between the most bullish and bearish estimates. The most optimistic model, ML-RIV, places fair value at $386.15 (+108.1%), while EPV — the most conservative — estimates $68.95 (-62.8%). This +170.9% gap reflects genuine analytical uncertainty about Park National Corporation's intrinsic worth.

What Do the Models Say About PRK?

12 of 13 models are currently active for PRK. Of these, 5 models suggest upside while 7 models suggest overvaluation. The Bayesian DCF estimates PRK's intrinsic value at $330.76, implying +78.2% upside from the current price. See which stocks rank higher →

How Does PRK Rank in National Commercial Banks?

Among 90 National Commercial Banks stocks, PRK ranks #18 by Quality of Company score. CirclFi's QOC score of 8.6/10 evaluates 32 fundamental signals. A score of 8.6 places PRK in the top tier.

See all Most Undervalued National Commercial Banks Stocks →

As a banking sector, Park National Corporation operates in a sector where CET1 capital ratio is a critical driver of valuation. Investors evaluating PRK should weigh these sector-specific dynamics alongside our model-derived fair values.

Is PRK a Value Trap?

CirclFi's Value Trap algorithm assigns PRK a score of 20/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

12 of 13 models are active for Park National Corporation. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Park National Corporation is rated at 8.6/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.

The gap between the most bullish and bearish model spans +170.9% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every PRK valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across PRK's 12 active models, average confidence is 41%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Park National Corporation Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar National Commercial Banks Stocks Should You Also Analyze?

8 related National Commercial Banks stocks with 13-model coverage

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Frequently Asked Questions About Park National Corporation

What is Park National Corporation's intrinsic value in 2026?

Based on CirclFi's 13-model analysis, Park National Corporation (PRK) has multiple fair value estimates. The Bayesian DCF model runs 10,000 Monte Carlo simulations with jump-diffusion to estimate intrinsic value at $330.76. The Quality of Company score is 8.6/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is PRK overvalued or undervalued right now?

At $185.58, 5 of 12 active models suggest PRK may be undervalued, while 7 indicate potential overvaluation. The assessment depends on which methodology best fits Park National Corporation's business model in National Commercial Banks.

What does a Quality of Company score of 8.6 mean for PRK?

Park National Corporation's QOC of 8.6/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on PRK?

CirclFi analyzes PRK with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 12 of 13 are active for this stock. Read the full methodology →

Is PRK a value trap in 2026?

Park National Corporation's Value Trap score is 20/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

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