1.53 USD
-0.04 (-2.55%)
1.5055 USD
-0.02 (-1.6%)
Taking everything into account, PNBK scores 1 out of 10 in our fundamental rating. PNBK was compared to 383 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.
1. Profitability
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.
- The reported net income has been mixed in the past 5 years: PNBK reported negative net income in multiple years.
- Of the past 5 years PNBK 4 years had a positive operating cash flow.
1.2 Ratios
- PNBK's Return On Assets of -2.10% is on the low side compared to the rest of the industry. PNBK is outperformed by 96.34% of its industry peers.
- With a Return On Equity value of -21.03%, PNBK is not doing good in the industry: 95.30% of the companies in the same industry are doing better.
| Industry Rank | Sector 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
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 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
2. Health
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.
- The debt/assets ratio for PNBK is higher compared to a year ago.
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.
- Looking at the Debt to Equity ratio, with a value of 0.17, PNBK is in line with its industry, outperforming 48.56% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.23%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- PNBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 63.87%, which is quite impressive.
- The Revenue for PNBK has decreased by -14.60% in the past year. This is quite bad
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings Ratio is negative for PNBK. In the last year negative earnings were reported.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| 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
5. Dividend
5.1 Amount
- No dividends for PNBK!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
PATRIOT NATIONAL BANCORP INC / PNBK 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.
What is the profitability of PNBK stock?
PATRIOT NATIONAL BANCORP INC (PNBK) has a profitability rating of 1 / 10.