Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
PNBK
Strong SellSinkerPatriot National Bancorp, Inc. · Financial Services · United States · $122M · Avg Vol: $226K/d
2
StockRankGet insider-trade alerts
Q
14
V
34
M
12
P/E (TTM)
—
ROE
-8.4%
D/E
0.2x
Dividend %
—
COMPANY DESCRIPTION
Patriot National Bancorp, Inc. operates as the holding company for Patriot Bank, N.A. that provides community banking services to individuals, small and medium-sized businesses, and professionals.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 36.6M | 34.2M | 28.3M | 29.4M | -7.0% | 39.4M |
| EPS | 0.06 | -0.04 | -0.36 | -0.17 | — | -0.01 |
| Shares | 110.3M | 110.3M | 110.3M | 115.0M | +4.2% | 111.5M |
| Debt | 115.2M | 201.1M | 33.1M | 16.4M | -47.7% | 16.5M |
| Equity | 59.6M | 44.4M | 4.3M | 94.7M | 16.7% | — |
| Op CF | 7.0M | -10.7M | 2.7M | -14.2M | -38.2% | -17.8M |
| Inv CF | -122.1M | -27.2M | 135.0M | -20.5M | — | — |
| Fin CF | 106.5M | 65.9M | -41.6M | 79.2M | — | — |
Loading 1Y...
PRICE (1Y)-7.6%
SMA 50SMA 200
Close
$0.97
RSI (14)
36.4
52W High
$2.00
From 52W High
0.5%
SCORE BREAKDOWN
Quality
14
ROIC (ROA)
-0.6%*10.4
ROE
-8.4%5.7
GP/Assets
3.6%N/A
Op. Margin
-6.8%5.4
FCF/Assets
-1.1%N/A
Piotroski
29.0
Int. Cover
—50.0
D/E Ratio
0.17xN/A
Current Ratio
bankN/A
Value
34
P/E (TTM)
—N/A
EV/EBITDA
bankN/A
P/FCF
bankN/A
P/B
1.5x38.2
P/S
3.3x54.9
Div Yield
—N/A
Momentum
12
52W High %
49%5.3
RS 6M
-41%4.1
SMA 50/200
0.87x7.2
EPS Rev 4W
0.0%27.7
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
—N/A
FUNDAMENTALS
Market Cap
$122M
P/E (Forward)
1.1x
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of PNBK are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| PNBK | Patriot National Bancorp, Inc.(you) | $122M | 2 | Strong Sell |
| FGBI | First Guaranty Bancshares, Inc. | $144M | 15 | Strong Sell |
| HYNE | Hoyne Bancorp, Inc. | $134M | 17 | Strong Sell |
| FNWB | First Northwest Bancorp | $108M | 22 | Sell |
| SSBI | Summit State Bank | $87M | 19 | Strong Sell |
| BCBP | BCB Bancorp, Inc. | $156M | 21 | Sell |
| BAFN | BayFirst Financial Corp. | $178M | 19 | Strong Sell |
| FINW | FinWise Bancorp | $209M | 16 | Strong Sell |
| WSBK | Winchester Bancorp, Inc. | $116M | 28 | Sell |
| RVSB | Riverview Bancorp, Inc. | $103M | 26 | Sell |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%