Patriot National Bancorp Inc. (PNBK)
NASDAQ:PNBK
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Patriot National Bancorp
(NASDAQ:PNBK)
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Rating:52Neutral
Price Target:
$2.00
▲(20.48% Upside)
Action:ReiteratedDate:08/06/25
PNBK's overall stock score of 52 reflects significant challenges in financial performance, with persistent losses and negative cash flows being the primary drag. Positive corporate events, such as capital raises and leadership changes, provide some optimism, while technical indicators suggest moderate bullish momentum. Valuation concerns due to negative earnings further temper the outlook.
Positive Factors
Leadership Changes
New leadership appointments bring experienced financial and strategic growth expertise, potentially improving operational efficiency and strategic direction.
Negative Factors
Revenue Decline
Declining revenue growth indicates challenges in maintaining market share and competitiveness, which could impact long-term profitability and market position.
Read all positive and negative factors
Positive Factors
Negative Factors
Leadership Changes
New leadership appointments bring experienced financial and strategic growth expertise, potentially improving operational efficiency and strategic direction.
Read all positive factors
Patriot National Bancorp (PNBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$148.34M
Dividend YieldN/A
Average Volume (3M)236.34K
Price to Earnings (P/E)―
Beta (1Y)0.66
Revenue Growth-11.99%
EPS Growth63.64%
CountryUS
Employees129
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)-10.02
Shares Outstanding114,991,020
10 Day Avg. Volume193,391
30 Day Avg. Volume236,339
Financial Highlights & Ratios
PEG Ratio>-0.01
Price to Book (P/B)6.05
Price to Sales (P/S)0.43
P/FCF Ratio9.81
Enterprise Value/Market Cap-0.17
Enterprise Value/Revenue-0.45
Enterprise Value/Gross Profit-1.50
Enterprise Value/Ebitda1.36
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Patriot National Bancorp Business Overview & Revenue Model
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. The company accepts consumer and commercial deposi...
How the Company Makes Money
Patriot National Bancorp generates revenue primarily through interest income from its lending activities. It provides loans to individuals and businesses, including commercial real estate loans, residential mortgages, and consumer loans. The inter...
Patriot National Bancorp Financial Statement Overview
Summary
Income Statement
15
Very Negative
Balance Sheet
25
Negative
Cash Flow
20
Very Negative
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 56.64M | 60.56M | 64.70M | 47.38M | 36.64M | 39.71M |
| Gross Profit | 17.03M | 15.82M | 26.82M | 34.74M | 30.05M | 23.79M |
| EBITDA | -18.77M | -14.74M | -4.28M | 9.23M | 6.65M | -2.56M |
| Net Income | -19.98M | -39.88M | -4.18M | 6.16M | 5.09M | -3.82M |
Balance Sheet | ||||||
| Total Assets | 950.75M | 1.01B | 1.09B | 1.04B | 948.48M | 880.73M |
| Cash, Cash Equivalents and Short-Term Investments | 272.54M | 167.36M | 73.20M | 123.01M | 141.39M | 83.90M |
| Total Debt | 16.44M | 33.07M | 201.10M | 115.19M | 120.72M | 120.81M |
| Total Liabilities | 855.73M | 1.01B | 1.05B | 983.78M | 881.14M | 817.51M |
| Stockholders Equity | 95.02M | 4.26M | 44.38M | 59.58M | 67.34M | 63.22M |
Cash Flow | ||||||
| Free Cash Flow | -12.70M | 2.63M | -11.13M | 6.62M | 7.17M | 6.21M |
| Operating Cash Flow | -12.70M | 2.68M | -10.71M | 7.04M | 7.60M | 6.28M |
| Investing Cash Flow | 146.53M | 135.01M | -27.18M | -122.05M | -55.20M | 82.92M |
| Financing Cash Flow | -5.07M | -41.62M | 65.93M | 106.46M | 60.02M | -93.97M |
Patriot National Bancorp Technical Analysis
Negative
1.66
Price Trends
1.43
Negative
1.44
Negative
1.43
Negative
Market Momentum
>-0.01
Negative
49.63
Neutral
66.67
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PNBK, the sentiment is Negative. The current price of 1.66 is above the 20-day moving average (MA) of 1.33, above the 50-day MA of 1.43, and above the 200-day MA of 1.43, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 49.63 is Neutral, neither overbought nor oversold. The STOCH value of 66.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PNBK.
Patriot National Bancorp Risk Analysis
Patriot National Bancorp disclosed 22 risk factors in its most recent earnings report. Patriot National Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Patriot National Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $144.51M | 8.47 | 12.36% | 3.01% | 12.31% | 39.46% | |
72 Outperform | $167.44M | 7.96 | 5.32% | ― | 4.86% | -8.20% | |
69 Neutral | $181.68M | 14.13 | 9.03% | 4.66% | -2.00% | -36.25% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $186.99M | 12.00 | 7.81% | 2.00% | -2.16% | -9.35% | |
52 Neutral | $148.34M | -9.56 | -35.90% | ― | -11.99% | 63.64% | |
49 Neutral | $152.69M | 23.06 | 5.60% | 1.70% | 0.99% | -6.35% |
* Financial Sector Average
PNBK
Patriot National Bancorp
1.29
-0.04
-3.01%
CZWI
Citizens Community Bancorp
19.42
4.71
32.04%
LARK
Landmark Bancorp
23.79
-1.61
-6.33%
UBFO
United Security Bancshares
10.32
1.65
19.07%
HNVR
Hanover Bancorp Inc
21.29
-0.66
-3.00%
BVFL
BV Financial, Inc.
18.81
3.25
20.93%
Patriot National Bancorp Corporate Events
Business Operations and StrategyExecutive/Board ChangesFinancial DisclosuresPrivate Placements and Financing
Patriot National Bancorp details transformative 2025 restructuring progress
Positive
Dec 31, 2025
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 rec...
Business Operations and StrategyExecutive/Board Changes
Patriot National Bancorp announces CIO leadership transition
Negative
Dec 22, 2025
On December 18, 2025, Patriot National Bancorp, Inc. announced that its Executive Vice President and Chief Information Officer, Steven Grunblatt, had passed away, marking the loss of a key member of its senior leadership team. Grunblatt had held t...
Business Operations and StrategyExecutive/Board ChangesFinancial Disclosures
Patriot National Bancorp Updates Q3 2025 Financials
Positive
Nov 24, 2025
On November 19, 2025, Patriot National Bancorp, Inc. appointed Ida Liu, Jonathan Roth, and Jeffrey Seabold as directors, bringing extensive experience in wealth management, investment management, and corporate strategy to the company. This strateg...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.