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PATRIOT NATIONAL BANCORP INC (PNBK) Stock Fundamental Analysis

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

5.74  -0.21 (-3.53%)

Fundamental Rating

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We assign a fundamental rating of 1 out of 10 to PNBK. PNBK was compared to 396 industry peers in the Banks industry. Both the profitability and financial health of PNBK have multiple concerns. PNBK has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

In the past year PNBK has reported negative net income.
PNBK had a positive 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5M -5M -10M

1.2 Ratios

With a Return On Assets value of -3.02%, PNBK is not doing good in the industry: 98.23% of the companies in the same industry are doing better.
The Return On Equity of PNBK (-179.60%) is worse than 98.23% of its industry peers.
Industry RankSector 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
PNBK Yearly ROA, ROE, ROICPNBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5 -5 10

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for PNBK so they could not be analyzed.
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 0 10 -10

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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.
PNBK has more shares outstanding than it did 5 years ago.
PNBK has a better debt/assets ratio than last year.
PNBK Yearly Shares OutstandingPNBK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 200M 400M 600M 800M 1B

2.2 Solvency

PNBK has a debt to FCF ratio of 6.11. This is a slightly negative value and a sign of low solvency as PNBK would need 6.11 years to pay back of all of its debts.
With a Debt to FCF ratio value of 6.11, PNBK is not doing good in the industry: 73.48% of the companies in the same industry are doing better.
PNBK has a Debt/Equity ratio of 1.84. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.84, PNBK is doing worse than 90.15% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.84
Debt/FCF 6.11
Altman-Z N/A
ROIC/WACCN/A
WACC10.63%
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 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 2M 4M 6M 8M 10M

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3. Growth

3.1 Past

The earnings per share for PNBK have decreased strongly by -783.29% in the last year.
Looking at the last year, PNBK shows a very negative growth in Revenue. The Revenue has decreased by -13.13% in the last year.
The Revenue has been growing slightly by 3.09% on average over the past years.
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.
PNBK Yearly Revenue VS EstimatesPNBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 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

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

Based on the Price/Free Cash Flow ratio, PNBK is valued more expensive than 86.87% of the companies in the same industry.
Industry RankSector Rank
P/FCF 85.91
EV/EBITDA N/A
PNBK Per share dataPNBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 -2 -4 -6

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

No dividends for PNBK!.
Industry RankSector Rank
Dividend Yield N/A

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PATRIOT NATIONAL BANCORP INC

NASDAQ:PNBK (5/21/2025, 3:43:05 PM)

5.74

-0.21 (-3.53%)

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 Change375.64%
Ins Owners21.4%
Ins Owner Change0%
Market Cap423.21M
Analysts43.33
Price TargetN/A
Short Float %0.18%
Short Ratio0.17
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 13.53
P/FCF 85.91
P/OCF 83.15
P/B 25.83
P/tB 26.1
EV/EBITDA N/A
EPS(TTM)-7.42
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.07
FCFY1.16%
OCF(TTM)0.07
OCFY1.2%
SpS0.42
BVpS0.22
TBVpS0.22
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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
WACC10.63%
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