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PATRIOT NATIONAL BANCORP INC (PNBK) Stock Fundamental Analysis

NASDAQ:PNBK - Nasdaq - US70336F2039 - Common Stock - Currency: USD

1.47  0 (0%)

After market: 1.47 0 (0%)

Fundamental Rating

1

Taking everything into account, PNBK scores 1 out of 10 in our fundamental rating. PNBK was compared to 395 industry peers in the Banks industry. Both the profitability and financial health of PNBK have multiple concerns. PNBK is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

PNBK had negative earnings in the past year.
PNBK had a negative operating cash flow in the past year.
In multiple years PNBK reported negative net income over the last 5 years.
PNBK had a positive operating cash flow in 4 of the past 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -10M -20M -30M

1.2 Ratios

PNBK has a Return On Assets of -4.43%. This is amonst the worse of the industry: PNBK underperforms 97.97% of its industry peers.
With a Return On Equity value of -74.13%, PNBK is not doing good in the industry: 97.97% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -4.43%
ROE -74.13%
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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -50 -100

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2. Health

2.1 Basic Checks

PNBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for PNBK has been increased compared to 1 year ago.
The number of shares outstanding for PNBK has been increased compared to 5 years ago.
Compared to 1 year ago, PNBK has a worse debt to assets ratio.
PNBK Yearly Shares OutstandingPNBK Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

PNBK has a Debt/Equity ratio of 0.42. This is a healthy value indicating a solid balance between debt and equity.
PNBK's Debt to Equity ratio of 0.42 is on the low side compared to the rest of the industry. PNBK is outperformed by 76.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.42
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC15.4%
PNBK Yearly LT Debt VS Equity VS FCFPNBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M

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3. Growth

3.1 Past

PNBK shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -961.96%.
Looking at the last year, PNBK shows a very negative growth in Revenue. The Revenue has decreased by -17.54% in the last year.
The Revenue has been growing slightly by 0.38% on average over the past years.
EPS 1Y (TTM)-961.96%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-177.93%
Revenue 1Y (TTM)-17.54%
Revenue growth 3Y-1.41%
Revenue growth 5Y0.38%
Sales Q2Q%-12.67%

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 2014 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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4. Valuation

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 -2 -4 -6 -8 -10

4.3 Compensation for Growth

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

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0

5. Dividend

5.1 Amount

PNBK does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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PATRIOT NATIONAL BANCORP INC

NASDAQ:PNBK (7/3/2025, 8:00:56 PM)

After market: 1.47 0 (0%)

1.47

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-14 2025-05-14
Earnings (Next)08-07 2025-08-07
Inst Owners4.53%
Inst Owner Change375.64%
Ins Owners15.16%
Ins Owner Change0%
Market Cap112.10M
Analysts43.33
Price TargetN/A
Short Float %1.43%
Short Ratio0.68
Dividend
Industry RankSector Rank
Dividend Yield N/A
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 4.08
P/FCF N/A
P/OCF N/A
P/B 1.96
P/tB 1.97
EV/EBITDA N/A
EPS(TTM)-10.16
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.07
FCFYN/A
OCF(TTM)-0.06
OCFYN/A
SpS0.36
BVpS0.75
TBVpS0.75
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -4.43%
ROE -74.13%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score3
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.42
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 7.7%
Cap/Sales 0.31%
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-Score3
WACC15.4%
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)-961.96%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-177.93%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-17.54%
Revenue growth 3Y-1.41%
Revenue growth 5Y0.38%
Sales Q2Q%-12.67%
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-146.7%
FCF growth 3Y-28.43%
FCF growth 5YN/A
OCF growth 1Y-144.19%
OCF growth 3Y-29.32%
OCF growth 5YN/A