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Patriot National Bancorp ( (PNBK) ) just unveiled an update.
In a year-end letter dated January 1, 2026, Patriot Bank’s CEO reported that in 2025 the bank raised nearly $100 million in equity, overhauled its senior management and board, and launched a wholesale restructuring following a March 2025 recapitalization, positioning the institution to pursue high-net-worth clients and institutional partners left underserved after the failures of several regional peers. The bank retired legacy loan programs, introduced new commercial real estate and high-net-worth lending products, refocused its deposit-gathering on affluent customers through a concierge platform and a new Founders Club, expanded its institutional banking and digital payments capabilities, strengthened enterprise risk management, and boosted its capital ratios, while also increasing loan-loss reserves, selling higher-risk portfolios, and resolving special assets; early results included more than $200 million in executed term sheets and over $100 million in closed loans, suggesting improving profitability and a stronger competitive stance as it opens a Beverly Hills office and explores further expansion into Florida and Texas.
The most recent analyst rating on (PNBK) stock is a Hold with a $2.00 price target. To see the full list of analyst forecasts on Patriot National Bancorp stock, see the PNBK Stock Forecast page.
Spark’s Take on PNBK Stock
According to Spark, TipRanks’ AI Analyst, PNBK is a Neutral.
Patriot National Bancorp’s overall stock score reflects significant financial challenges, with negative earnings and cash flow issues weighing heavily. However, recent corporate events and moderate technical indicators provide some optimism. The company’s strategic initiatives, including leadership changes and capital strengthening, are positive steps towards improving its financial health and market position.
To see Spark’s full report on PNBK stock, click here.
More about Patriot National Bancorp
Patriot Bank, N.A., the wholly owned banking subsidiary of Patriot National Bancorp, operates as a regional bank targeting high-net-worth clients, family offices, and the businesses that serve them, with a focus on markets including New York, Fairfield County in Connecticut, Beverly Hills, Palm Beach, and Dallas. The bank offers concierge-style retail banking, commercial real estate lending, high-net-worth lines of credit, rediscount loans secured by financial assets, and institutional banking services such as white-label lending, treasury management, cards, and digital payments to fintechs and non-depository financial institutions.
Average Trading Volume: 301,771
Technical Sentiment Signal: Hold
Current Market Cap: $212.7M
For an in-depth examination of PNBK stock, go to TipRanks’ Overview page.