Patriot National Bancorp, Inc. PNBK R2K

Financial Services · Banks - Regional · United States

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 deposit accounts, such as checking, interest-bearing negotiable order of withdrawal, money market, time certificates of deposit, savings, prepaid deposit, online national money market, individual retirement accounts, and health savings accounts, as well as certificate of deposit account registry service. Its loan portfolio comprises commercial real estate, commercial business, small business administration, construction, purchased residential real estate, and various consumer loans. The company also offers automated clearing house transfers, lockbox, internet banking, bill payment, remote deposit capture, debit card, money order, traveler's check, and automatic teller machine services. It operates in New York; Connecticut; New Jersey; and internationally. Patriot National Bancorp, Inc. was founded in 1994 and is headquartered in Stamford, Connecticut.

Market & Price

Market Cap

$131.71M

Current Price

$1.12

High / Low (52W)

$1.92 / $0.90

Beta

-0.63

Valuation

Stock P/E

56.00

Industry PE

12.01

Forward P/E

1.11

PEG Ratio

Book Value

$0.72

Price to Book

1.54

P/S

4.03

EV/EBITDA

Dividend Yield

Profitability & Returns

ROCE

ROE

-15.86%

ROA

-1.10%

Profit Margin

-35.77%

Op Margin

-12.02%

EPS (Latest Qtr)

$-0.02

EPS (TTM)

$0.02

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$26.50M

Total Assets

$1.09B

Current Assets

Working Capital

Ownership

Promoter Holding

31.56%

Chg in Prom Hold

0.07%

FII / Inst Holding

19.25%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$64.83M

Total Revenue (TTM)

$32.68M

EBITDA

Free Cash Flow

Operating Cash Flow

$-11.27M

Shares Outstanding

110.33M

Gross Margin

0.00%

Payout Ratio

0.00%

Growth (CAGR)

Revenue 5Y

-7.04%

Profit 5Y

-102.10%

Revenue (YoY)

76.60%

Earnings (YoY)

PROS

No notable strengths flagged.

CONS

Trading at a high P/E of 56.0.
Revenue declined at -7.0% CAGR over 5 years.
Earnings shrank at -102.1% CAGR over 5 years.
Trading 41.7% below its 52-week high.
In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	PNBK Patriot National Bancorp, Inc. R2K	1.12	56.00	$131.71M	-	-	-15.86%	-7.04%	-102.10%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2014	Jun 2014	Sep 2014	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6.58M	6.21M	7.21M	9.44M	10.29M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	8.59M	7.31M	6.53M	6.30M	7.65M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-2.78M	-5.05M	-2.66M	-2.16M	-1.74M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.00K	-49.00K	-5.00K	112.00K	13.00K
Net Income	319.00K	525.00K	17.26M	289.00K	689.00K	633.00K	653.00K	-582.00K	814.00K	1.73M	804.00K	1.01M	1.06M	1.04M	769.00K	323.00K	-1.66M	27.00K	-1.50M	-1.07M	-1.28M	-87.00K	854.00K	1.02M	1.32M	1.90M	800.00K	1.26M	2.33M	-699.00K	-615.00K	-3.77M	-299.00K	-3.08M	-	-2.78M	-5.00M	-2.66M	-2.27M	-1.75M
Diluted EPS	0.08	0.14	4.45	0.07	0.18	0.16	0.16	-0.15	0.21	0.44	0.21	0.26	0.27	0.26	0.20	0.08	-0.42	0.01	-	-0.27	-0.32	-0.02	0.22	0.26	0.34	-	0.20	0.32	0.59	-0.18	-0.16	-0.95	-0.08	-0.77	-6.78	-0.21	-0.06	-0.03	-	-0.02

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	36.63M	34.25M	28.27M	29.43M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	10.75M	30.46M	32.28M	28.73M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	7.76M	-5.63M	-16.10M	-12.65M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	1.60M	-1.45M	23.79M	59.00K
Net Income	-23.88M	-15.40M	-15.46M	-536.00K	-7.29M	15.71M	2.14M	1.93M	4.15M	3.20M	-2.82M	-3.82M	-	6.16M	-4.18M	-39.88M	-12.71M
Diluted EPS	-	-	-	-	-1.90	4.05	0.55	0.49	1.06	0.82	-0.72	-0.97	-	1.55	-1.05	-10.03	-0.17

Compounded Sales Growth

5 Years:	-7.04%
1 Year:	76.60%

Compounded Profit Growth

5 Years:	-102.10%
1 Year:	-

Stock Price Performance

1 Year:	-22.76%
6 Months:	-18.84%
3 Months:	-10.40%
1 Month:	-8.94%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	784.32M	665.82M	617.86M	541.25M	632.62M	653.36M	756.65M	852.08M	951.70M	979.84M	880.73M	-	1.04B	1.09B	1.01B	1.09B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	24.60M	107.80M	146.78M	55.42M	71.01M	34.87M	73.26M	85.40M	92.29M	48.73M	66.44M	39.40M	34.64M	-	38.49M	52.52M	147.57M	186.39M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	7.27M	7.22M	5.49M	4.87M
Total Liabilities	-	-	717.15M	615.27M	568.29M	499.41M	573.89M	591.89M	694.08M	785.33M	882.36M	912.84M	817.51M	-	983.78M	1.05B	1.01B	993.16M
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	57.00M	57.00M	57.00M	-	128.25M	142.19M	159.48M	141.40M	131.00M	130.90M	120.80M	-	115.19M	201.10M	33.07M	16.45M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	115.19M	201.10M	33.07M	16.45M
Total Equity	58.77M	35.86M	67.17M	50.55M	49.57M	41.84M	58.73M	61.46M	62.57M	66.75M	69.34M	66.99M	63.22M	-	59.58M	44.38M	4.26M	94.68M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.04M	4.05M	4.07M	115.07M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	-9.80M	-2.89M	-976.07K	-3.15M	-4.70M	-	5.67M	4.53M	7.29M	5.27M	-11.91M	6.28M	-	7.04M	-10.71M	2.68M	-14.17M
Investing Cash Flow	116.70M	110.16M	11.52M	66.37M	35.63M	-	-9.48M	-99.11M	-140.85M	-26.88M	-41.78M	82.92M	-	-122.05M	-27.18M	135.01M	-20.52M
Financing Cash Flow	-23.70M	-68.29M	-101.90M	-47.63M	-67.08M	-	15.95M	101.47M	90.00M	39.32M	26.66M	-93.97M	-	106.46M	65.93M	-41.62M	79.21M
Capital Expenditure	-308.19K	-173.08K	-685.03K	-616.00K	-8.28M	-8.38M	-6.24M	-3.53M	-3.06M	-1.14M	-552.00K	-70.00K	-	-414.00K	-412.00K	-55.00K	-172.00K
Free Cash Flow	-10.11M	-3.06M	-1.66M	-3.77M	-12.98M	-	-563.00K	996.00K	4.23M	4.13M	-12.47M	6.21M	-	6.62M	-11.13M	2.63M	-14.34M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-8.55M	28.04M	96.07M	44.52M
Share Buybacks	-	-	-	-	-	-	-	1.02M	2.00K	-	-	-	-	-	-	-	-

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	16.8%	-12.2%	-141.1%	-43.2%
ROE %	-66.6%	-22.9%	-30.6%	-1.1%	-17.4%	26.7%	3.5%	3.1%	6.2%	4.6%	-4.2%	-6.0%	-	10.3%	-9.4%	-935.1%	-13.4%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

31.56%

Institutions

19.25%

Public Float

28.13%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Vanguard Capital Management LLC	3.74%	4.40M	$4.93M
2	Blackrock Inc.	3.20%	3.77M	$4.22M
3	Angel Oak Capital Advisors, LLC	2.69%	3.17M	$3.55M
4	Corient Private Wealth LLC	1.63%	1.92M	$2.15M
5	Geode Capital Management, LLC	1.58%	1.86M	$2.08M
6	Northern Trust Corporation	0.71%	831.92K	$931.75K
7	Curated Wealth Partners LLC	0.70%	827.34K	$926.62K
8	State Street Corporation	0.60%	707.84K	$792.78K
9	Vanguard Fiduciary Trust Co	0.54%	631.62K	$707.41K
10	Vanguard Portfolio Management LLC	0.39%	462.43K	$517.92K

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