PATRIOT NATIONAL BANCORP INC (PNBK) Fundamental Analysis & Valuation

NASDAQ:PNBK • US70336F2039

Current stock price

1.245 USD
-0.01 (-1.19%)
Last:

This PNBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. PNBK Profitability Analysis

1.1 Basic Checks

  • PNBK had negative earnings in the past year.
  • In the past year PNBK has reported a negative cash flow from operations.
  • In multiple years PNBK reported negative net income over the last 5 years.
  • Of the past 5 years PNBK 4 years had a positive operating cash flow.
PNBK Yearly Net Income VS EBIT VS OCF VS FCFPNBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -10M -20M -30M

1.2 Ratios

  • With a Return On Assets value of -2.10%, PNBK is not doing good in the industry: 97.11% of the companies in the same industry are doing better.
  • The Return On Equity of PNBK (-21.03%) is worse than 96.05% of its industry peers.
Industry RankSector Rank
ROA -2.1%
ROE -21.03%
ROIC N/A
ROA(3y)-1.24%
ROA(5y)-0.73%
ROE(3y)-311.39%
ROE(5y)-186.53%
ROIC(3y)N/A
ROIC(5y)N/A
PNBK Yearly ROA, ROE, ROICPNBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -200 -400 -600 -800

1.3 Margins

  • PNBK does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
PNBK Yearly Profit, Operating, Gross MarginsPNBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -50 -100

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1

2. PNBK Health Analysis

2.1 Basic Checks

  • PNBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • PNBK has more shares outstanding than it did 1 year ago.
  • PNBK has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for PNBK is higher compared to a year ago.
PNBK Yearly Shares OutstandingPNBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 0 0 0 0
PNBK Yearly Total Debt VS Total AssetsPNBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

  • PNBK has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
  • With a Debt to Equity ratio value of 0.17, PNBK perfoms like the industry average, outperforming 51.05% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC14.91%
PNBK Yearly LT Debt VS Equity VS FCFPNBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PNBK Yearly Current Assets VS Current LiabilitesPNBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. PNBK Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 63.87% over the past year.
  • Looking at the last year, PNBK shows a very negative growth in Revenue. The Revenue has decreased by -14.60% in the last year.
  • Measured over the past years, PNBK shows a small growth in Revenue. The Revenue has been growing by 0.38% on average per year.
EPS 1Y (TTM)63.87%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%99.61%
Revenue 1Y (TTM)-14.6%
Revenue growth 3Y-1.41%
Revenue growth 5Y0.38%
Sales Q2Q%1.45%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
PNBK Yearly Revenue VS EstimatesPNBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
PNBK Yearly EPS VS EstimatesPNBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 0.5 1

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0

4. PNBK Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for PNBK. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A
PNBK Price Earnings VS Forward Price EarningsPNBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
PNBK Per share dataPNBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 -1 -2

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. PNBK Dividend Analysis

5.1 Amount

  • PNBK does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

PNBK Fundamentals: All Metrics, Ratios and Statistics

PATRIOT NATIONAL BANCORP INC

NASDAQ:PNBK (4/2/2026, 11:11:29 AM)

1.245

-0.01 (-1.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-17
Earnings (Next)04-13
Inst Owners14.58%
Inst Owner Change46.61%
Ins Owners13.86%
Ins Owner Change0%
Market Cap143.16M
Revenue(TTM)26.70M
Net Income(TTM)-19.98M
Analysts43.33
Price TargetN/A
Short Float %2.29%
Short Ratio5.17
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 5.36
P/FCF N/A
P/OCF N/A
P/B 1.51
P/tB 1.51
EV/EBITDA N/A
EPS(TTM)-2.68
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.11
FCFYN/A
OCF(TTM)-0.11
OCFYN/A
SpS0.23
BVpS0.83
TBVpS0.83
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -2.1%
ROE -21.03%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-1.24%
ROA(5y)-0.73%
ROE(3y)-311.39%
ROE(5y)-186.53%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 0.47%
Cap/Sales 0.02%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC14.91%
ROIC/WACCN/A
Cap/Depr(3y)22.62%
Cap/Depr(5y)19.93%
Cap/Sales(3y)0.83%
Cap/Sales(5y)0.84%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)63.87%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%99.61%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-14.6%
Revenue growth 3Y-1.41%
Revenue growth 5Y0.38%
Sales Q2Q%1.45%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-250.69%
FCF growth 3Y-28.43%
FCF growth 5YN/A
OCF growth 1Y-305.75%
OCF growth 3Y-29.32%
OCF growth 5YN/A

PATRIOT NATIONAL BANCORP INC / PNBK Fundamental Analysis FAQ

What is the ChartMill fundamental rating of PATRIOT NATIONAL BANCORP INC (PNBK) stock?

ChartMill assigns a fundamental rating of 1 / 10 to PNBK.


Can you provide the valuation status for PATRIOT NATIONAL BANCORP INC?

ChartMill assigns a valuation rating of 0 / 10 to PATRIOT NATIONAL BANCORP INC (PNBK). This can be considered as Overvalued.


Can you provide the profitability details for PATRIOT NATIONAL BANCORP INC?

PATRIOT NATIONAL BANCORP INC (PNBK) has a profitability rating of 1 / 10.


Is the dividend of PATRIOT NATIONAL BANCORP INC sustainable?

The dividend rating of PATRIOT NATIONAL BANCORP INC (PNBK) is 0 / 10 and the dividend payout ratio is 0%.