PRK (Park National) Moat Score: 5/10 (As of Jun. 26, 2026)


PRK Park National Corp PRK
70 GF Score
Price $181.57
GF Value $174.08
Valuation Fairly Valued
! 1 Warning Sign
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What is Park National Moat Score?

Park National PRK -0.03% 70 Moat Score is 5 as of Jun. 26, 2026. GuruFocus rates PRK with a GF Score™ of 70/100 and a GF Value™ of $174.08 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,610 Banks companies, Park National ranks better than 93.98% on this metric.

Park National has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Park National has Narrow Moat: Park National has a solid narrow moat with strong regional brand recognition and customer loyalty. It benefits from economies of scale in banking but lacks significant network effects or intellectual property.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Park National might have Narrow Moat - Solid narrow moat.

Park National  (AMEX:PRK) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Park National Moat Score Related Terms

PRK vs TOWN, SFNC, BOH: Moat Score Comparison

For the Banks - Regional subindustry, Park National's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Park National's Moat Score distribution charts can be found below:

* The bar in red indicates where Park National's Moat Score falls into.


PRK
70GF Score
Park National Corp PRK
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Park National (PRK) has a Moat Score of 5 as of Jun. 26, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Park National ranks #97 out of 1610 companies in the Banks industry, placing it in the top 6%.
Is Park National's Moat Score too high?
Park National's current Moat Score is 5. Based on the distribution chart, Park National ranks #97 out of 1610 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 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Park National's Moat Score compare to TOWN and SFNC?
According to the Banks industry distribution chart, Park National ranks #97 out of 1610 companies for Moat Score. This places Park National in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Park National's current Moat Score is 5. 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 $174.08, compared to a current price of $181.57 — trading 4.3% above its estimated fair value. The current Moat Score is 5. Park National's overall GF Score™ is 70/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Park National (PRK), the current Moat Score is 5 as of Jun. 26, 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 $181.57 is trading 4.3% above its estimated GF Value™ of $174.08. GuruFocus considers Park National to be Fairly Valued.

Key valuation signals for PRK:

  • Moat Score: 5
  • GF Value™: $174.08 vs. price of $181.57 (4.3% above fair value)
  • GF Score™: 70/100 with 1 warning sign

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 Business Description

Address 50 North Third Street, P.O. Box 3500, Newark, OH, USA, 43058-3500
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.
70GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$181.57
Price
$174.08
GF Value