PATRIOT NATIONAL BANCORP INC (PNBK) Fundamental Analysis & Valuation

NASDAQ:PNBK • US70336F2039

Current stock price

1.18 USD
-0.05 (-3.67%)
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.
  • PNBK had a negative operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: PNBK reported negative net income in multiple years.
  • In multiple years PNBK reported negative operating cash flow during the last 5 years.
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 2025 0 -10M -20M -30M

1.2 Ratios

  • PNBK's Return On Assets of -1.17% is on the low side compared to the rest of the industry. PNBK is outperformed by 95.21% of its industry peers.
  • PNBK has a worse Return On Equity (-13.42%) than 96.01% of its industry peers.
Industry RankSector Rank
ROA -1.17%
ROE -13.42%
ROIC N/A
ROA(3y)-1.83%
ROA(5y)-0.87%
ROE(3y)-319.31%
ROE(5y)-188.01%
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 2025 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 2025 0 -50 -100

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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • The number of shares outstanding for PNBK has been increased compared to 5 years ago.
  • PNBK has a better debt/assets ratio than last year.
PNBK Yearly Shares OutstandingPNBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
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 2025 200M 400M 600M 800M 1B

2.2 Solvency

  • A Debt/Equity ratio of 0.17 indicates that PNBK is not too dependend on debt financing.
  • PNBK has a Debt to Equity ratio (0.17) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC21.9%
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 2025 0 20M 40M 60M 80M

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 2025 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

  • PNBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 96.82%, which is quite impressive.
  • PNBK shows a small growth in Revenue. In the last year, the Revenue has grown by 4.18%.
  • The Revenue has been growing slightly by 2.54% on average over the past years.
EPS 1Y (TTM)96.82%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%99.17%
Revenue 1Y (TTM)4.18%
Revenue growth 3Y-7.03%
Revenue growth 5Y2.54%
Sales Q2Q%44.35%

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 2025 10M 20M 30M
PNBK Yearly EPS VS EstimatesPNBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 0.5 1

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Find the best growth stocksShow best growing peers

0

4. PNBK Valuation Analysis

4.1 Price/Earnings Ratio

  • PNBK reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
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 0.2 -0.2 0.4 0.6 0.8

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 (5/1/2026, 8:00:01 PM)

1.18

-0.05 (-3.67%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.3
Earnings (Last)04-13
Earnings (Next)05-12
Inst Owners14.36%
Inst Owner Change0.07%
Ins Owners15.4%
Ins Owner Change26.14%
Market Cap138.17M
Revenue(TTM)29.63M
Net Income(TTM)-12.71M
Analysts43.33
Price TargetN/A
Short Float %4.71%
Short Ratio10.1
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 4.66
P/FCF N/A
P/OCF N/A
P/B 1.46
P/tB 1.46
EV/EBITDA N/A
EPS(TTM)-0.32
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.12
FCFYN/A
OCF(TTM)-0.12
OCFYN/A
SpS0.25
BVpS0.81
TBVpS0.81
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA -1.17%
ROE -13.42%
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)-1.83%
ROA(5y)-0.87%
ROE(3y)-319.31%
ROE(5y)-188.01%
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-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 16.65%
Cap/Sales 0.58%
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-Score4
WACC21.9%
ROIC/WACCN/A
Cap/Depr(3y)18.26%
Cap/Depr(5y)22.38%
Cap/Sales(3y)0.66%
Cap/Sales(5y)0.91%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)96.82%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%99.17%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.18%
Revenue growth 3Y-7.03%
Revenue growth 5Y2.54%
Sales Q2Q%44.35%
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-645.74%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-628.14%
OCF growth 3YN/A
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%.