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Patriot National Bancorp
(NASDAQ:PNBK)
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Rating:52Neutral
Price Target:
$2.00
▲(94.17% Upside)
Action:Reiterated
Date:08/06/25
PNBK's overall stock score of 52 reflects significant challenges in financial performance, with persistent losses and negative cash flows being the primary drag. Positive corporate events, such as capital raises and leadership changes, provide some optimism, while technical indicators suggest moderate bullish momentum. Valuation concerns due to negative earnings further temper the outlook.
Positive Factors
Leadership Changes
New leadership appointments bring experienced financial and strategic growth expertise, potentially improving operational efficiency and strategic direction.
Negative Factors
Revenue Decline
Declining revenue growth indicates challenges in maintaining market share and competitiveness, which could impact long-term profitability and market position.
Read all positive and negative factors
Positive Factors
Negative Factors
Leadership Changes
New leadership appointments bring experienced financial and strategic growth expertise, potentially improving operational efficiency and strategic direction.
Read all positive factors
Patriot National Bancorp (PNBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$122.30M
Dividend YieldN/A
Average Volume (3M)236.34K
Price to Earnings (P/E)―
Beta (1Y)0.80
Revenue Growth15.58%
EPS Growth99.36%
CountryUS
Employees107
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)-0.07
Shares Outstanding118,742,200
10 Day Avg. Volume193,391
30 Day Avg. Volume236,339
Financial Highlights & Ratios
PEG Ratio0.12
Price to Book (P/B)1.50
Price to Sales (P/S)2.44
P/FCF Ratio-9.91
Enterprise Value/Market Cap1.08
Enterprise Value/Revenue1.98
Enterprise Value/Gross Profit3.37
Enterprise Value/Ebitda-18.46
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Patriot National Bancorp Business Overview & Revenue Model
Company Description
Patriot National Bancorp, Inc. functions as the parent company for Patriot Bank, N.A., providing a full spectrum of community banking solutions. Its services cater to individuals, small and medium-sized businesses, and professionals. The bank offe...
How the Company Makes Money
Patriot National Bancorp generates revenue primarily through interest income from its lending activities. It provides loans to individuals and businesses, including commercial real estate loans, residential mortgages, and consumer loans. The inter...
Patriot National Bancorp Financial Statement Overview
Summary
Income Statement
15
Very Negative
Balance Sheet
25
Negative
Cash Flow
20
Very Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 66.95M | 58.16M | 60.56M | 64.70M | 47.38M | 36.64M |
| Gross Profit | 39.36M | 27.92M | 15.82M | 26.82M | 34.74M | 30.05M |
| EBITDA | -7.18M | -11.46M | -14.74M | -4.28M | 9.23M | 6.65M |
| Net Income | -6.54M | -12.71M | -39.88M | -4.18M | 6.16M | 5.09M |
Balance Sheet | ||||||
| Total Assets | 1.32B | 1.09B | 1.01B | 1.09B | 1.04B | 948.48M |
| Cash, Cash Equivalents and Short-Term Investments | 242.88M | 395.97M | 167.36M | 73.20M | 123.01M | 141.39M |
| Total Debt | 16.46M | 16.45M | 33.07M | 201.10M | 115.19M | 120.72M |
| Total Liabilities | 1.23B | 993.16M | 1.01B | 1.05B | 983.78M | 881.14M |
| Stockholders Equity | 88.94M | 94.68M | 4.26M | 44.38M | 59.58M | 67.34M |
Cash Flow | ||||||
| Free Cash Flow | -17.92M | -14.34M | 2.63M | -11.13M | 6.62M | 7.17M |
| Operating Cash Flow | -17.82M | -14.17M | 2.68M | -10.71M | 7.04M | 7.60M |
| Investing Cash Flow | -452.41M | -20.52M | 135.01M | -27.18M | -122.05M | -55.20M |
| Financing Cash Flow | 388.78M | 79.21M | -41.62M | 65.93M | 106.46M | 60.02M |
Patriot National Bancorp Technical Analysis
Neutral
1.03
Price Trends
1.11
Negative
1.13
Negative
1.29
Negative
Market Momentum
-0.02
Positive
45.96
Neutral
25.93
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PNBK, the sentiment is Neutral. The current price of 1.03 is below the 20-day moving average (MA) of 1.09, below the 50-day MA of 1.11, and below the 200-day MA of 1.29, indicating a bearish trend. The MACD of -0.02 indicates Positive momentum. The RSI at 45.96 is Neutral, neither overbought nor oversold. The STOCH value of 25.93 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for PNBK.
Patriot National Bancorp Risk Analysis
Patriot National Bancorp disclosed 36 risk factors in its most recent earnings report. Patriot National Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Patriot National Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | $193.08M | 9.49 | 12.49% | 2.60% | 3.33% | 22.98% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $180.85M | 13.97 | 7.07% | ― | 3.34% | 48.71% | |
60 Neutral | $202.85M | 15.90 | 6.77% | 0.89% | 0.77% | 6.16% | |
60 Neutral | $189.16M | 20.97 | 4.69% | 1.60% | -4.37% | -15.96% | |
52 Neutral | $122.30M | -14.11 | -7.10% | ― | 15.58% | 99.36% |
* Financial Sector Average
PNBK
Patriot National Bancorp
1.06
-0.45
-29.80%
CZWI
Citizens Community Bancorp
20.83
4.55
27.96%
LARK
Landmark Bancorp
31.78
7.22
29.40%
HNVR
Hanover Bancorp Inc
26.72
4.55
20.52%
BVFL
BV Financial, Inc.
21.24
4.50
26.88%
Patriot National Bancorp Corporate Events
Executive/Board ChangesPrivate Placements and FinancingBusiness Operations and Strategy
Patriot National Bancorp Announces New CFO and Director
Positive
Aug 5, 2025
Patriot National Bancorp, Inc. announced significant financial and leadership developments in July 2025. The company approved the conversion of senior notes into common stock by Unity Bancorp Inc. and American Bank Incorporated, signaling a strate...
Executive/Board ChangesShareholder Meetings
Patriot National Bancorp Approves Key Proposals at Annual Meeting
Neutral
Jul 2, 2025
On June 26, 2025, Patriot National Bancorp held its Annual Meeting where shareholders voted on several key matters. The election of eight directors was confirmed, with the stipulation that some appointments are pending non-objection from the Feder...
Private Placements and FinancingBusiness Operations and Strategy
Patriot National Bancorp Completes $10M Stock Offering
Positive
Jun 6, 2025
On June 5, 2025, Patriot National Bancorp announced the completion of a registered direct offering, raising over $10 million by selling 8,524,160 shares of common stock at $1.25 per share. This follows a previous private placement in March 2025 th...
Private Placements and Financing
Patriot National Bancorp Announces Securities Purchase Agreement
Neutral
Jun 4, 2025
Patriot National Bancorp, Inc. announced a securities purchase agreement with accredited investors to issue and sell 8,524,160 shares of its common stock at $1.25 per share, aiming to raise approximately $10.47 million. The proceeds will be used f...
Executive/Board ChangesPrivate Placements and FinancingBusiness Operations and Strategy
Patriot National Bancorp Enhances Leadership and Governance
Positive
May 19, 2025
Patriot National Bancorp, Inc. recently executed a conversion of Senior Notes into common stock, involving key stakeholders such as Solaia Capital Holdings LLC, enhancing its capital structure. Additionally, the company made significant leadership...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.