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Park National (PRK) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · Park National (PRK) Q3 2026 earnings results →
Q3 2026 Revenue up 24% year over year to $210M · 27¢ of every $1 of revenue kept as net profit · operating margin 33.6%
Park National made $210M in Q3 2026 (+24% Y/Y). Operating margin 33.6%, net earnings $56.9M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
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What changed this quarter
Revenue was $210.5M in Q3 2026, up 24% year over year and down 1% from the previous quarter.
Operating profit was $70.8M, a 33.6% margin (down 0.6 points year over year). Of the extra revenue versus Q3 2025, 31% reached operating profit, below the 34% margin then. Total costs grew 25% against revenue growth of 24%. Net earnings were $56.9M, up 21% year over year. The effective tax rate was 19.6%.
Operating cash flow was $66.0M (up 26% year over year), 116% of net earnings. Non-cash charges added back $5.1M of depreciation and amortization and $2.3M of share-based compensation. Capital expenditures of $7.6M left free cash flow of $58.4M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $210M | +24% | 33.6% | $56.9M | $66.0M |
| Q2 2026 | 10-Q | Aug 7, 2026 | $212M | +26% | 49.0% | $58.8M | $57.2M |
| Q1 2026 | 10-Q | May 11, 2026 | $189M | +19% | 43.9% | $41.7M | $30.9M |
| Q4 2025 | 10-K | Feb 23, 2026 | $168M | +2% | 31.3% | $42.6M | $58.2M |
| Q3 2025 | 10-Q | Nov 3, 2025 | $170M | -0.5% | 34.3% | $47.2M | $52.9M |
| Q2 2025 | 10-Q | Aug 4, 2025 | $169M | +7% | 35.2% | $48.1M | $49.5M |
| Q1 2025 | 10-Q | May 2, 2025 | $158M | +3% | 32.4% | $42.2M | $37.7M |
Charts
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Park National
The disclosures set forth in this Item are qualified by "ITEM 1A. RISK FACTORS" and the section captioned "FORWARD-LOOKING STATEMENTS" of this Annual Report on Form 10-K and other cautionary statements set forth elsewhere in this Annual Report on Form 10-K. Park National Corporation (“Park”) is a financial holding company regulated under the Bank Holding Company Act of 1956 (the “Bank Holding Company Act”). Founded as Park National Bank of Ohio, in Newark, Ohio, Park’s legacy dates to 1908. As a bank holding company, Park was established in 1987. Park is headquartered at 51 North Third Street, Newark, Ohio 43055, and can be reached at (740) 349-8451.
In its own words, from its 10-K, filed Feb 23, 2026.
Park National against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +24% against the peers' median +8%. Operating margin: 33.6% against the peers' median 32.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| PRK Park National | Q3 2026 | $210M | +24% | 33.6% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
Source: Park National 10-Q on SEC EDGAR · CIK 805676 · National Commercial Banks
13F: who owns PRK and who is buying
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History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results