Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Efficiency Overhead Ratio % for banks is non-interest expenses divided by revenue. It helps show how well banks control their overhead expenses. A lower Efficiency Overhead Ratio suggests that the bank is operating better.
Park National's Efficiency Overhead Ratio % for the quarter that ended in Mar. 2026 was 65.52%
, which is higher than
60.54% for the pervious quarter ended in Dec. 2025.
Park National's Efficiency Overhead Ratio % for the annual that ended in Dec. 2025 was 57.94%
, which is lower than
61.44% for the pervious year ended in Dec. 2024.
The historical rank and industry rank for Park National's Efficiency Overhead Ratio % or its related term are showing as below:
PRK's Efficiency Overhead Ratio % is not ranked *
in the Banks industry.
Industry Median: * Ranked among companies with meaningful Efficiency Overhead Ratio % only.
Park National (AMEX:PRK) Efficiency Overhead Ratio % Explanation
Efficiency Overhead Ratio % is typically used to analyze how well a company uses its assets and liabilities. It typically calculates the turnover of receivables, the repayment of liabilities, etc. In the banking industry, Efficiency Overhead Ratio % specifically refers to non-interest expenses divided by revenue. This ratio shows how well banks control their overhead expenses and allows analysts to assess their performance.
An Efficiency Overhead Ratio lower than 50% is considered to be optimal. If the Efficiency Overhead Ratio decreases, it means the bank’s expenses are decreasing and revenues are increasing, suggesting the bank is operating better.
Park National Efficiency Overhead Ratio % Related Terms
Park National Efficiency Overhead Ratio % Historical Data
* Premium members only.
The historical data trend for Park National's Efficiency Overhead Ratio % 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.
PRK vs SFNC, TOWN, SBCF: Efficiency Overhead Ratio % Comparison
For the Banks - Regional subindustry, Park National's Efficiency Overhead Ratio %, along with its competitors' market caps and Efficiency Overhead Ratio % 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 (AMEX:PRK) Efficiency Overhead Ratio % Calculation
Efficiency Overhead Ratio % is calculated as
Efficiency Overhead Ratio %
=
Non-interest Expenses
/
Revenue
* 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.
Frequently Asked Questions
What does a Efficiency Overhead Ratio % of 65.52% mean?
Park National (PRK) has a Efficiency Overhead Ratio % of 65.52% as of Mar. 2026. Efficiency Overhead Ratio for banks is non-interest expenses divided by revenue. It helps show how well banks control their overhead expenses. View historical data on Park National and its competitors.
Is Park National's Efficiency Overhead Ratio % too high?
Park National's current Efficiency Overhead Ratio % is 65.52%. 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 Efficiency Overhead Ratio % compare to SFNC and TOWN?
Park National's Efficiency Overhead Ratio % of 65.52% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Efficiency Overhead Ratio % for a Banks company?
A good Efficiency Overhead Ratio % depends on the Banks industry context. However, Efficiency Overhead Ratio % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Efficiency Overhead Ratio % mean?
A high Efficiency Overhead Ratio % can signal that a stock is expensive relative to its fundamentals. Efficiency Overhead Ratio for banks is non-interest expenses divided by revenue. It helps show how well banks control their overhead expenses. View historical data on Park National and its competitors. Park National's current Efficiency Overhead Ratio % is 65.52%. 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 $174.99, compared to a current price of $191.68 — trading 9.5% above its estimated fair value. The current Efficiency Overhead Ratio % is 65.52%. Park National's overall GF Score™ is 71/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Efficiency Overhead Ratio % calculated?
Efficiency Overhead Ratio % is calculated from a company's financial statements. For Park National (PRK), the current Efficiency Overhead Ratio % is 65.52% as of Mar. 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 $191.68 is trading 9.5% above its estimated GF Value™ of $174.99.
GuruFocus considers Park National to be Fairly Valued.
Key valuation signals for PRK:
Efficiency Overhead Ratio %: 65.52%
GF Value™: $174.99 vs. price of $191.68 (9.5% above fair value)
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
Get the complete analysis for PRK
Efficiency Overhead Ratio % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PRK has been successfully added to your 
