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Park NationalPRK -1.43%71 Cash-to-Debt is 17.32 as of Jun. 2026, which is 2565% above its 10-year median of 0.65. GuruFocus rates PRK with a GF Score™ of 71/100 and a GF Value™ of $180.74 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,486 Banks companies, Park National ranks better than 87.15% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Park National's cash to debt ratio for the quarter that ended in Jun. 2026 was 17.32.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Park Nationalcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Park National's Cash-to-Debt or its related term are showing as below:
PRK'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.23 Med: 0.65 Max: 29.02
Current: 17.32
During the past 13 years, Park National's highest Cash to Debt Ratio was 29.02. The lowest was 0.23. And the median was 0.65.
PRK's Cash-to-Debt is ranked better than 87.15% of 1486
companies
in the Banks industry
Industry Median: 1.4
vs PRK: 17.32
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Park National Cash-to-Debt Related Terms
Park National Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Park National's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Park National's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Park National Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Park National's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Park National's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Park National (PRK) has a Cash-to-Debt of 17.32 as of Jun. 2026. This is 2565% above median its historical median of 0.65. Over the past decade, Park National's Cash-to-Debt has ranged from 0.23 to 29.02. According to the industry distribution chart, Park National ranks #191 out of 1486 companies in the Banks industry, placing it in the top 12.9%.
Is Park National's Cash-to-Debt too high?
Park National's current Cash-to-Debt of 17.32 is 2565% above median its 10-year median of 0.65. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 29.02. The Banks industry median Cash-to-Debt is 1.40. Park National's value of 17.32 is 1137.1% above this industry median. Based on the distribution chart, Park National ranks #191 out of 1486 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Park National has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Park National's Cash-to-Debt compare to NIC and FIBK?
According to the Banks industry distribution chart, Park National ranks #191 out of 1486 companies for Cash-to-Debt. This places Park National in the top 13% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.40. Park National's value of 17.32 is 1137.1% above this benchmark. Historically, Park National's own Cash-to-Debt has ranged from 0.23 to 29.02 over the past decade. While the company's 10-year median is 0.65 vs. the industry median of 1.40, Park National has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,486 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Park National's current Cash-to-Debt of 17.32 is 1137.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Park National's current Cash-to-Debt is 17.32, which is 2565% above median its own 10-year median of 0.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Park National stock overvalued right now?
Based on GuruFocus' analysis, Park National (PRK) is currently considered Fairly Valued. The stock's GF Value™ is $180.74, compared to a current price of $195.29 — trading 8.1% above its estimated fair value. The current Cash-to-Debt is 17.32, which is 2565% above median its 10-year median of 0.65 and 1137.1% above the Banks industry median of 1.40. Park National's overall GF Score™ is 71/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Park National (PRK), the current Cash-to-Debt is 17.32 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Park National (PRK) Overvalued in 2026?
Based on GuruFocus' analysis, Park National stock appears to be overvalued.
The current stock price of $195.29 is trading 8.1% above its estimated GF Value™ of $180.74.
GuruFocus considers Park National to be Fairly Valued.
Key valuation signals for PRK:
Cash-to-Debt: 17.32 (2565% above median its 10-year median of 0.65)
GF Value™: $180.74 vs. price of $195.29 (8.1% above fair value)
Industry Position: 1137.1% above the Banks median (#191 of 1486)
No single metric tells the full story. See the PRK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Park National Corp is a diversified financial services company based in Newark, Ohio, consisting of 11 community banking divisions with more than 100 offices in Ohio and Kentucky. The company provides the following principal services: the acceptance of deposits for demand, savings and time accounts; commercial, industrial, consumer and real estate lending, including installment loans, credit cards (which are largely offered through a third party), home equity lines of credit and commercial leasing; trust and wealth management services; cash management; safe deposit operations; electronic funds transfers; and a variety of additional banking-related services.
71GF Score
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