Patriot National Bancorp, Inc. (PNBK)

NASDAQ: PNBK · USD

$0.87

+0.05 (+5.5%)· Recorded snapshot

Market cap	114.4M
Revenue (ttm)	39.4M
Net income (ttm)	-6.5M
EPS (ttm)	-$0.06
Shares out	130.8M
Volume	70,176
Beta	-0.61

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 39.4M
Net income (ttm): -6.5M
EPS (ttm): -$0.06
Market cap: 114.4M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Sterk kopen
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Sterk kopen
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Aanhouden

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/En/a

P25 n/aP50 n/aP75 n/a

ROE-8.4

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All PNBK indicators

Market & fundamental data

Available fields

196

Groups with data

Currency

USD

Showing 196 of 196 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001098146
Company name	Patriot National Bancorp, Inc.
Country	United States
Country code	US
CUSIP number	70336F203
Earnings date	2026-11-13
Earnings time	amc
Employees	107
Employees change	-22
Employees growth	-17.05%
Enterprise value	$13.9M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1999
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US70336F2039
Last 10-K release date	2026-03-31
Last earnings date	2026-08-14
Last refreshed	2026-10-28
Last stock split date	2015-03-04
Last stock split type	Reverse
Market cap	$114.4M
Market cap category	Micro-Cap
Next earnings date	2026-11-13
Options	No
Price	$0.87
Price currency	USD
Sector	Financials
SIC code	6021
Stock price date	2026-10-28
Symbol	PNBK
U.S. state	Connecticut
Website	https://bankpatriot.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings yield	-6.65%
EV/Sales	0.17x
FCF / EV yield	-271.27%
FCF yield	-17.25%
Industry forward P/E	10.04x
Industry P/E	11.85x
P/B ratio	1.1x
P/S ratio	2.72x
Price / tangible book value	1.21x
Sector forward P/E	13.63x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Operating margin	-15.21%
Pretax margin	-20.16%
Profit margin	-16.59%
Profit per employee	$-61,159
Profitable quarters	1
Revenue per employee	$368,570
ROA	-0.58%
ROA (5Y)	-0.84%
ROE	-8.44%
ROE (5Y)	-36.04%
SBC / revenue	18.45%
Tax / revenue	-3.57%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth years	1
Net income growth quarters	4
Net income growth years	1
Revenue growth	152.16%
Revenue growth (Q)	144.04%
Revenue growth (QoQ)	9.06%
Revenue growth 10Y	6.58%
Revenue growth 3Y	6.08%
Revenue growth 5Y	8.59%
Revenue growth quarters	5
Revenue growth years	1

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-678,000
EPS	$-0.06
FCF per share	$-0.14
Financing cash flow	$388.8M
Free cash flow	$-18.5M
Gross profit	$39.4M
Income taxes	$-1.4M
Investing cash flow	$-452.4M
Net borrowing	$-2.9M
Net cash flow	$-81.5M
Net income	$-6.5M
Operating income	$-6M
Revenue	$39.4M
Stock-based compensation	$7.3M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$0.76
Debt / equity	0.19
Net cash (debt)	$100.4M
Net cash / market cap	93.64%
Net cash growth	-39.27%
Net debt / equity	-1.13
Piotroski F-Score	0
Property, plant and equipment	$28.3M
Shareholders' equity	$88.9M
Tangible book value	$88.8M
Tangible book value per share	$0.76
Total assets	$1.3B
Total cash	$116.9M
Total debt	$16.5M
Total liabilities	$1.2B
WACC	0.77%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-1.1B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-351.29%
Dividend growth (10Y)	-31.66%
Dividend growth (3Y)	58.74%
Dividend growth (5Y)	31.95%
Dividend per share	$0.00
Dividend yield	0%
Last dividend	$0.01
Shareholder yield	-351.29%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	-93.39%
10Y return CAGR	-23.74%
10Y total return	-93.35%
150-day SMA	$1.09
15Y price change	-95.35%
15Y return CAGR	-18.47%
15Y total return	-95.32%
1D price change	5.53%
1M price change	-14.03%
1M total return	-14.03%
1W price change	-2.86%
1W total return	-2.86%
1Y price change	-30.11%
1Y return CAGR	-30.12%
1Y total return	-30.11%
20-day SMA	$0.87
200-day SMA	$1.17
20Y price change	-99.65%
20Y return CAGR	-24.49%
20Y total return	-99.64%
3M price change	-22.55%
3M total return	-22.55%
3Y price change	-86.13%
3Y return CAGR	-48.23%
3Y total return	-86.13%
50-day SMA	$0.95
50-day SMA vs 200-day SMA	50under200
52-week high	$2.00
52-week high date	2025-12-19
52-week low	$0.80
52-week low date	2026-10-26
5Y price change	-90.96%
5Y return CAGR	-38.17%
5Y total return	-90.96%
6M price change	-34.37%
6M total return	-34.37%
All-time high	$305.00
All-time high date	2006-08-02
All-time low	$0.80
All-time low date	2026-10-19
Average true range (ATR)	$0.05
Average volume	126.3K
Beta (1Y)	1.16
Beta (2Y)	0.98
Beta (5Y)	-0.61
Change from 52-week high	-56.18%
Change from 52-week low	9.29%
Change from all-time high	-99.72%
Change from all-time low	7.46%
Change from open	2.46%
Day's gap	2.99%
Dollar volume	$61,355
High price	$0.87
Low price	$0.85
Monthly RSI	37.16
Open price	$0.85
Position in 52-week range	100%
Previous close	$0.83
Price vs 150-day SMA	-20.76%
Price vs 20-day SMA	-0.72%
Price vs 200-day SMA	-26.52%
Price vs 50-day SMA	-9.3%
Relative volume	0.56
RSI	46.49
Sharpe ratio	-0.25
Sharpe ratio (3Y)	-0.13
Sharpe ratio (5Y)	-0.07
Sortino ratio	-0.29
Sortino ratio (3Y)	-0.15
Sortino ratio (5Y)	-0.05
Volume	70.2K
Weekly RSI	36.75
YTD price change	-52.76%
YTD total return	-52.76%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	70.6M
Float percentage	53.95%
Shares change (QoQ)	1.91%
Shares change (YoY)	351.29%
Shares held by insiders	33.05%
Shares held by institutions	13.58%
Shares outstanding	130.8M
Short % of float	1.38%
Short % of shares	0.75%
Short ratio	4.6 days

Deeper analysis on PNBK

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this PNBK report

Is a complete PNBK research report available?

No complete published report is available for Patriot National Bancorp, Inc. (PNBK) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Patriot National Bancorp, Inc. (PNBK)

Price

Financial snapshot

Fair-value bridge

Latest news · PNBK

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All PNBK indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on PNBK

Frequently asked questions