PATRIOT NATIONAL BANCORP INC (PNBK) Fundamental Analysis & Valuation

NASDAQ:PNBK • US70336F2039

1.34 USD
0 (0%)
At close: Mar 10, 2026
1.34 USD
0 (0%)
After Hours: 3/10/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This PNBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

1

We assign a fundamental rating of 1 out of 10 to PNBK. PNBK was compared to 381 industry peers in the Banks industry. PNBK has a bad profitability rating. Also its financial health evaluation is rather negative. PNBK has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

1

1. PNBK Profitability Analysis

1.1 Basic Checks

  • In the past year PNBK has reported negative net income.
  • In the past year PNBK has reported a negative cash flow from operations.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -10M -20M -30M

1.2 Ratios

  • PNBK has a Return On Assets of -2.10%. This is amonst the worse of the industry: PNBK underperforms 97.11% of its industry peers.
  • PNBK has a Return On Equity of -21.03%. This is amonst the worse of the industry: PNBK underperforms 96.06% of its industry peers.
Industry RankSector 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
PNBK Yearly ROA, ROE, ROICPNBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -200 -400 -600 -800

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 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.
  • The number of shares outstanding for PNBK has been increased compared to 1 year ago.
  • Compared to 5 years ago, PNBK has more shares outstanding
  • The debt/assets ratio for PNBK is higher compared to a year ago.
PNBK Yearly Shares OutstandingPNBK Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 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
WACC14.65%
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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

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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 63.87%, which is quite impressive.
  • PNBK shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -14.60%.
  • PNBK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.38% yearly.
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.
PNBK Yearly Revenue VS EstimatesPNBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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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Find the best growth stocksShow best growing peers

0

4. PNBK Valuation Analysis

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

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 -1 -2

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

  • No dividends for PNBK!.
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 (3/10/2026, 8:00:01 PM)

After market: 1.34 0 (0%)

1.34

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-17
Earnings (Next)04-13
Inst Owners14.58%
Inst Owner Change46.61%
Ins Owners13.86%
Ins Owner Change0%
Market Cap154.09M
Revenue(TTM)26.70M
Net Income(TTM)-19.98M
Analysts43.33
Price TargetN/A
Short Float %2.92%
Short Ratio9.27
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 5.77
P/FCF N/A
P/OCF N/A
P/B 1.62
P/tB 1.62
EV/EBITDA N/A
EPS(TTM)-2.68
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.11
FCFYN/A
OCF(TTM)-0.11
OCFYN/A
SpS0.23
BVpS0.83
TBVpS0.83
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -2.1%
ROE -21.03%
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
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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 0.47%
Cap/Sales 0.02%
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-Score5
WACC14.65%
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)63.87%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%99.61%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-14.6%
Revenue growth 3Y-1.41%
Revenue growth 5Y0.38%
Sales Q2Q%1.45%
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-250.69%
FCF growth 3Y-28.43%
FCF growth 5YN/A
OCF growth 1Y-305.75%
OCF growth 3Y-29.32%
OCF growth 5YN/A

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.