PATRIOT NATIONAL BANCORP INC(NASDAQ:PNBK) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 1 out of 10 to PNBK. 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.

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1. Profitability

1.1 Basic Checks

PNBK had negative earnings in the past year.

In the past year PNBK had a positive cash flow from operations.

The reported net income has been mixed in the past 5 years: PNBK reported negative net income in multiple years.

The reported operating cash flow has been mixed in the past 5 years: PNBK reported negative operating cash flow in multiple years.

1.2 Ratios

PNBK has a worse Return On Assets (-3.02%) than 98.23% of its industry peers.

PNBK's Return On Equity of -179.60% is on the low side compared to the rest of the industry. PNBK is outperformed by 98.23% of its industry peers.

		Industry Rank	Sector Rank
ROA	-3.02%
ROE	-179.6%
ROIC	N/A

ROA(3y)0.25%

ROA(5y)0%

ROE(3y)2.83%

ROE(5y)-0.35%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for PNBK so they could not be analyzed.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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 reduced compared to 1 year ago.

Compared to 5 years ago, PNBK has more shares outstanding

Compared to 1 year ago, PNBK has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of PNBK is 6.11, which is on the high side as it means it would take PNBK, 6.11 years of fcf income to pay off all of its debts.

The Debt to FCF ratio of PNBK (6.11) is worse than 71.90% of its industry peers.

PNBK has a Debt/Equity ratio of 1.84. This is a high value indicating a heavy dependency on external financing.

PNBK has a worse Debt to Equity ratio (1.84) than 89.87% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.84
Debt/FCF	6.11
Altman-Z	N/A

ROIC/WACCN/A

WACC10.54%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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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 -783.29%.

Looking at the last year, PNBK shows a very negative growth in Revenue. The Revenue has decreased by -13.13% in the last year.

PNBK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.09% yearly.

EPS 1Y (TTM)-783.29%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-615.55%

Revenue 1Y (TTM)-13.13%

Revenue growth 3Y9.71%

Revenue growth 5Y3.09%

Sales Q2Q%-7.61%

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.

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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 Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, PNBK is valued more expensive than 87.09% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	96.39
EV/EBITDA	N/A

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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5. Dividend

5.1 Amount

PNBK does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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PATRIOT NATIONAL BANCORP INC

NASDAQ:PNBK (5/14/2025, 8:00:00 PM)

After market: 6.31 -0.13 (-2.02%)

6.44

-0.27 (-4.02%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-13 2025-05-13

Earnings (Next)08-07 2025-08-07

Inst Owners22.23%

Inst Owner Change1.19%

Ins Owners21.4%

Ins Owner Change0%

Market Cap474.82M

Analysts43.33

Price TargetN/A

Short Float %0.18%

Short Ratio0.17

Dividend

		Industry Rank	Sector 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 Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	15.18
P/FCF	96.39
P/OCF	93.29
P/B	28.98
P/tB	29.28
EV/EBITDA	N/A

EPS(TTM)-7.42

EYN/A

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)0.07

FCFY1.04%

OCF(TTM)0.07

OCFY1.07%

SpS0.42

BVpS0.22

TBVpS0.22

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-3.02%
ROE	-179.6%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	N/A
FCFM	15.75%

ROA(3y)0.25%

ROA(5y)0%

ROE(3y)2.83%

ROE(5y)-0.35%

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 Rank	Sector Rank
Debt/Equity	1.84
Debt/FCF	6.11
Debt/EBITDA	N/A
Cap/Depr	14.17%
Cap/Sales	0.52%
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

WACC10.54%

ROIC/WACCN/A

Cap/Depr(3y)30.12%

Cap/Depr(5y)25.5%

Cap/Sales(3y)1.25%

Cap/Sales(5y)1.2%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-783.29%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-615.55%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-13.13%

Revenue growth 3Y9.71%

Revenue growth 5Y3.09%

Sales Q2Q%-7.61%

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 1Y63.11%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y49.27%

OCF growth 3YN/A

OCF growth 5YN/A

PATRIOT NATIONAL BANCORP INC (PNBK) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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