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Park National cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$58.4M in Q3 2026 · $192M over twelve months

Operating cash flow$66.0M
Capital spending−$7.6M
Free cash flow+$58.4M
Cash / net income1.2×

Analysis

In Q3 2026, Park National generated $66.0M of operating cash flow and spent $7.6M on capital projects, leaving free cash flow of $58.4M. That is $7.5M more than in Q3 2025 ($50.9M).

Over the twelve months to Sep 30, 2026, operating cash flow was $213M; the largest uses were dividends ($97.8M), capital spending ($21.0M), other financing ($14.6M); besides operations, cash came from other investing ($235M), net borrowing (+) / repaid (−) ($9.0M); the cash balance rose by $321M.

Operating cash flow was $66.0M against net income of $56.9M — 1.2× profit, cash ran ahead of reported earnings. The largest differences: depreciation & amortization +$5.1M, other liabilities +$5.0M, stock-based pay +$2.3M.

Free cash flow

Park National: free cash flow by quarterPark National: free cash flow by quarter$47.1MQ4 2024$36.6MQ1 2025$48.2MQ2 2025$50.9MQ3 2025$56.2MQ4 2025$26.6MQ1 2026$50.5MQ2 2026$58.4MQ3 2026
Operating cash flow less capital spending.
Park National: operating cash flow against capital spendingPark National: operating cash flow against capital spendingOperating cash flowCapital spending$49.2M$2.1MQ4 2024$37.7M$1.1MQ1 2025$49.5M$1.3MQ2 2025$52.4M$1.5MQ3 2025$58.7M$2.5MQ4 2025$30.9M$4.3MQ1 2026$57.2M$6.7MQ2 2026$66.0M$7.6MQ3 2026
Latest (Q3 2026): Operating cash flow $66.0M, Capital spending $7.6M.

Capital allocation, year by year

Park National: where the cash came from (up) and went (down), by fiscal yearPark National: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingCapital spendingBuybacksDividendsFY2021: Operating cash flow $157MFY2021: Net borrowing −$136MFY2021: Capital spending −$14.1MFY2021: Buybacks −$16.0MFY2021: Dividends −$74.3M$157MFY2021FY2022: Operating cash flow $137MFY2022: Net borrowing −$11.4MFY2022: Capital spending −$7.9MFY2022: Dividends −$76.6M$137MFY2022FY2023: Operating cash flow $151MFY2023: Net borrowing $101MFY2023: Capital spending −$7.6MFY2023: Buybacks −$23.0MFY2023: Dividends −$69.0M$252MFY2023FY2024: Operating cash flow $179MFY2024: Net borrowing −$238MFY2024: Capital spending −$9.2MFY2024: Dividends −$77.5M$179MFY2024FY2025: Operating cash flow $198MFY2025: Net borrowing −$8.7MFY2025: Capital spending −$6.4MFY2025: Buybacks −$20.1MFY2025: Dividends −$89.9M$198MFY2025
Over these 5 years operating cash flow totalled $822M; the largest uses were net borrowing ($394M) and dividends ($387M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$1.8B
Debt$81.7M
Net cash$1.7B

Park National funds itself: free cash flow was $192M over the last twelve months, and $1.8B of cash and investments stands against $81.7M of debt.

Where the cash came from and went

Park National: sources (+) and uses (−) of cash, Q3 2026Park National: sources (+) and uses (−) of cash, Q3 2026Operating cash flow$66.0MOther investing−$47.9MOther financing−$44.9MCash drawn (+) / kept (−)$40.8MDividends−$19.9MNet borrowing (+) / repaid (−)$13.4MCapital spending−$7.6M
Park National: sources (+) and uses (−) of cash, TTM to Q3 2026Park National: sources (+) and uses (−) of cash, TTM to Q3 2026Cash drawn (+) / kept (−)−$321MOther investing$235MOperating cash flow$213MDividends−$97.8MCapital spending−$21.0MOther financing−$14.6MNet borrowing (+) / repaid (−)$9.0MTaxes on employees’ shares−$3.0M

From profit to cash

Park National: net income to operating cash flow, Q3 2026Park National: net income to operating cash flow, Q3 2026Net income$56.9MDepreciation & amortization$5.1MStock-based pay$2.3MPrepaid and other assets$744KOther liabilities$5.0MOperating cash flow$66.0M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$66.0M−$7.6M−$19.9M$13.4M$40.8M$58.4M
Q2 2026$57.2M−$6.7M−$20.5M−$12.8M$403M$50.5M
Q1 2026$30.9M−$4.3M−$20.1M$4.8M−$750M$26.6M
Q4 2025$58.7M−$2.5M−$37.3M$3.6M−$14.6M$56.2M
Q3 2025$52.4M−$1.5M−$17.2M−$17.5M−$25.8M$50.9M
Q2 2025$49.5M−$1.3M−$17.8M$14.7M$44.5M$48.2M
Q1 2025$37.7M−$1.1M−$17.6M−$9.5M−$77.0M$36.6M
Q4 2024$49.2M−$2.1M−$25.2M−$27.0M$41.1M$47.1M

Park National: income statement and cash flow

Park National, Q3 2026: revenue $210M (+24% year over year), operating margin 33.6%. The chart follows the revenue to costs, profit and cash.

Park National: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.