Park National Corporation (PRK) Fair Value 2026

PRK · Banks - Regional ·

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

Quality Score

8.2 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (12/100)

Quick Summary — As of 2026-08-28, Park National Corporation (PRK) trades at $198.12, versus a $115.75 median fair value across its 6 active models — 41.6% below the current price. QOC: 8.2/10. Value Trap Risk: 12/100 (SAFE). 6/13 models active.

Key Facts

Ticker
PRK
Price
$198.12
Quality Score
8.2/10
Value Trap Risk
12/100
Models Active
6/13
Last Updated
Strength: Quality Score of 8.2/10 indicates strong fundamentals
Risk: Majority of models suggest overvaluation

Is Park National Corporation (PRK) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Park National Corporation (PRK) appears overvalued as of : the median of 6 independent fair value estimates is $115.75, 41.6% below the current price of $198.12. Estimates range from $87.92 to $138.99. PRK scores 8.2/10 on fundamental quality and 12/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. PRK’s -41.6% gap is wider than that market norm, and the Banks - Regional sector median is -22.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Park National Corporation Stock in 2026? →

What Fair Value Does Each Model Give PRK?

6 Intrinsic Value Models vs. Current Price ($198.12)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $87.92 -55.6%
Ensemble · Medium Conviction
 $112.26 -43.3%
Intrinsic · High Conviction
 $107.21 -45.9%
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What Is PRK's Fair Value Range?

Spread across 6 independent models · $87.92 to $138.99

CirclFi's 6 active models place Park National Corporation (PRK) between $87.92 and $138.99 per share, a spread of 44% of the median. The median of that range — $115.75 — is the fair value CirclFi publishes for PRK, against a current price of $198.12.

Low · EPVHigh · Regime Cross
$87.92median $115.75$138.99
Where the range comes from
Most bearish modelEarnings Power Value (EPV)$87.92
Most bullish modelRegime Cross-Sectional$138.99
Model agreement0 bullish · 6 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on PRK, not a CirclFi price target. How each model works →

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 $115.75, suggesting the stock is overvalued at its current price of $198.12. With 6 out of 6 models flagging downside (-41.6% vs price), the market may be pricing in unsustainable growth.

What Do the Models Say About PRK?

6 of 13 models are currently active for PRK. All 6 active models suggest the stock trades above fair value. Taken together, their median fair value for PRK is $115.75 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does PRK Rank in Banks - Regional?

Among 352 Banks - Regional stocks, PRK ranks #135 by Quality of Company score. CirclFi's QOC score of 8.2/10 evaluates 32 fundamental signals. A score of 8.2 places PRK in the top tier.

See all Most Undervalued Banks - Regional 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 12/100 (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

6 of 13 models are active for Park National Corporation. Moderate coverage provides meaningful perspective. 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 8.2/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.

Models cluster within a tight range (+25.8% spread), increasing conviction. 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 6 active models, average confidence is 45%. 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 Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

WSBCWesBanco, Inc.QOC 8.2BPOPPopular, Inc.QOC 8.2TMPTompkins Financial CorporationQOC 8.2MBWMMercantile Bank CorporationQOC 8.2SUPVGrupo Supervielle S.A.QOC 8.2BCALCalifornia BanCorpQOC 8.2FUSBFirst US Bancshares, Inc.QOC 7.8BSACBanco Santander-ChileQOC 6.8FBIZFirst Business Financial Services, Inc.QOC 8.6STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: WSBC · BPOP · TMP · MBWM · SUPV · BCAL · FUSB · BSAC · FBIZ · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to PRK?

7 companies across all industries closest to PRK’s Quality of Company score of 8.2/10.

KGCKinross Gold CorporationQOC 8.2EPREPR PropertiesQOC 8.2ARDTArdent Health, Inc.QOC 8.2SONYSony Group CorporationQOC 8.2WDAYWorkday, Inc.QOC 8.2YUMCYum China Holdings, Inc.QOC 8.2NVDANVIDIA CorporationQOC 10.0

Read investment analysis: KGC · EPR · ARDT · SONY · WDAY · YUMC · NVDA

Where Does PRK Sit in CirclFi's Banks - Regional Rankings?

PRK is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Park National Corporation’s Valuation?

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

CirclFi puts Park National Corporation (PRK)'s intrinsic value at $115.75 — the median of 6 independent model estimates as of 2026-08-28, ranging from $87.92 to $138.99. The Quality of Company score is 8.2/10 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 $198.12, 0 of 6 active models suggest PRK may be undervalued, while 6 indicate potential overvaluation. The median of all 6 fair value estimates is $115.75, 41.6% below the current price of $198.12 — a consensus view that PRK is overvalued. The assessment depends on which methodology best fits Park National Corporation's business model in Banks - Regional.

What does a Quality of Company score of 8.2 mean for PRK?

Park National Corporation's QOC of 8.2/10 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 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on PRK?

Of the 6 models currently active on PRK, Regime Cross-Sectional is the most bullish at $138.99 per share, and Earnings Power Value (EPV) is the most bearish at $87.92. CirclFi's published fair value for PRK is the median of that range, $115.75, not either extreme. The gap between the two ends equals 44% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is PRK a value trap in 2026?

Park National Corporation's Value Trap score is 12/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Park National Corporation (PRK) has a median fair value of $115.75 — 41.6% below the current price of $198.12 — as of 2026-08-28.” Source: circlfi.com/stock/PRK/ · Methodology
Primary sources for this PRK valuation
  • Financial statements: Park National Corporation 10-K and 10-Q filings on SEC EDGAR (CIK 0000805676) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for PRK as of ; valuations recomputed .

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