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Company Analysis

Patriot National Bancorp Inc. PNBK

A comprehensive view of key metrics, scores, and financial health for Patriot National Bancorp Inc.

Overview of Patriot National Bancorp, Inc.

PNBK NGM
Financial Services Banks - Regional Micro Cap
Patriot National Bancorp, Inc. (PNBK), is a Micro Cap company, in the Banks - Regional industry, last closed at $1.29, about 24.0% overvalued vs fair value, +27.7% 1Y return, ranked 962/1004 in sector.
$1.29
-2.27%
As of March 13, 2026
Previous close • Vol 90d: 69.5%
52-Week Range
Market Cap
$142.60M
Enterprise Value
$-21.96M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://bankpatriot.com
HQ Stamford, CT
Employees 129
Fiscal year Dec 31

Next Events

Earnings Mar 31 Estimated

Fair Value Snapshot

Bear Base Bull
$1
$1
$2
Current: $1.29 -24% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$52.1M
-10.9%%
Interest Expense
$32.3M
Net Interest Income
$19.8M
-29.3%%
Total Revenue
$28.3M
-17.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
-935.1%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Patriot National Bancorp Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
20
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
2
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing PNBK's balance between Growth (63.3%), Profitability (25.1%), and Safety (11.6%). Growth 63% Safety 12% Profitability 25%

Click axes to expand details. Marker shows current allocation.

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Growth

4th percentile vs peers
4
Key Signals
Revenue CAGR 3Y -1.5% 6p Rev Growth YoY -17.4% 3p Asset Growth YoY -7.4% 3p
Strengths

No notable strengths identified for this axis.

Risks
  • Growth in bottom 20% of peers (percentile: 4)
  • Rev Growth Yoy in bottom 20% of peers (-17.4%)

Profitability

1th percentile vs peers
2
Key Signals
Strengths
Risks
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Safety

- vs peers
1
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Patriot National Bancorp Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$0.98
- - -
-24.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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