PNBK
Patriot National Bancorp, Inc.
Price Chart
Latest Quote
$1.07
-0.01 (-0.93%)
Current Price
| Previous Close | $1.08 |
| Open | $1.10 |
| Day High | $1.10 |
| Day Low | $1.03 |
| Volume | 432,784 |
Stock Information
| Shares Outstanding | 110.33M |
| Total Debt | $26.50M |
| Cash Equivalents | $93.46M |
| Revenue | $32.68M |
| Net Income | $-11.69M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $125.83M |
| P/E Ratio | 53.50 |
| EPS (TTM) | $0.02 |
| Exchange | NGM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $58.95M |
| Sales | $32.68M |
| Income | $-11.69M |
| Book/sh | $0.77 |
| Cash/sh | $0.85 |
| Employees | 107 |
Financial Ratios
Returns & Margins
| ROA | -1.10% |
| ROE | -15.86% |
| Operating Margin | -12.02% |
| Profit Margin | -35.77% |
Ownership
| Insider Ownership | 31.56% |
| Institutional Ownership | 19.25% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 1.06 |
| P/S | 3.85 |
| P/B | 1.39 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $1.04 |
| SMA50 | $1.15 |
| SMA200 | $1.34 |
| RSI | 44.68 |
| ATR | 0.0679 |
| Shares Float | 57.96M |
| Short Float | 3.77% |
| Short Ratio | 10.96 |
| Volatility | -0.66 |
| Rel Volume | 1.13 |
Performance History
| Week | +13.83% |
| Month | -5.31% |
| Quarter | -24.11% |
| 6 Months | -37.79% |
| YTD | -35.93% |
| Year | +18.89% |
| 3 Years | -85.73% |
| 5 Years | -86.87% |
| 10 Years | -92.04% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $1.07 | 432,800 |
| 2026-06-17 | $1.08 | 426,300 |
| 2026-06-16 | $0.97 | 261,400 |
| 2026-06-15 | $1.00 | 677,500 |
| 2026-06-12 | $0.97 | 301,200 |
| 2026-06-11 | $0.94 | 468,200 |
| 2026-06-10 | $0.96 | 374,800 |
| 2026-06-09 | $1.00 | 299,100 |
| 2026-06-08 | $1.00 | 344,900 |
| 2026-06-05 | $1.05 | 171,300 |
| 2026-06-04 | $1.06 | 229,300 |
| 2026-06-03 | $1.05 | 361,700 |
| 2026-06-02 | $1.11 | 241,400 |
| 2026-06-01 | $1.15 | 421,900 |
| 2026-05-29 | $1.12 | 340,400 |
| 2026-05-28 | $1.08 | 497,700 |
| 2026-05-27 | $1.03 | 1,165,700 |
| 2026-05-26 | $1.02 | 372,800 |
| 2026-05-22 | $1.07 | 123,400 |
| 2026-05-21 | $1.09 | 170,500 |
| 2026-05-20 | $1.13 | 415,900 |
| 2026-05-19 | $1.13 | 140,900 |
About Patriot National Bancorp, Inc.
Patriot National Bancorp, Inc. operates as the holding company for Patriot Bank, N.A. that provides community banking services to individuals, small and medium-sized businesses, and professionals. The company accepts consumer and commercial deposit accounts, such as checking, interest-bearing negotiable order of withdrawal, money market, time certificates of deposit, savings, prepaid deposit, online national money market, individual retirement accounts, and health savings accounts, as well as certificate of deposit account registry service. Its loan portfolio comprises commercial real estate, commercial business, small business administration, construction, purchased residential real estate, and various consumer loans. The company also offers automated clearing house transfers, lockbox, internet banking, bill payment, remote deposit capture, debit card, money order, traveler's check, and automatic teller machine services. It operates in New York; Connecticut; New Jersey; and internationally. Patriot National Bancorp, Inc. was founded in 1994 and is headquartered in Stamford, Connecticut.
đ° Latest News
Patriot National Bancorp Insider Buyers Pleased With US$294k Return On Investment
Simply Wall St. âĸ 2026-05-06T12:40:57Z
Patriot National Bancorp (NASDAQ:PNBK) shareholders have endured a 87% loss from investing in the stock three years ago
Simply Wall St. âĸ 2025-09-12T12:55:06Z
Patriot National Bancorp Second Quarter 2025 Earnings: US$0.064 loss per share (vs US$0.78 loss in 2Q 2024)
Simply Wall St. âĸ 2025-08-16T12:29:39Z
Retail investors who hold 56% of Patriot National Bancorp, Inc. (NASDAQ:PNBK) gained 11%, insiders profited as well
Simply Wall St. âĸ 2025-07-29T11:29:35Z
Insiders See US$6.40m Investment In Patriot National Bancorp Jump Last Week
Simply Wall St. âĸ 2025-07-02T11:26:13Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $29,429,000 | $28,272,000 | $34,246,000 | $36,630,000 |
| Operating Revenue | $29,429,000 | $28,272,000 | $34,246,000 | $36,630,000 |
| Expenses | ||||
| Interest Expense | $28,729,000 | $32,285,000 | $30,457,000 | $10,753,000 |
| Selling And Marketing Expense | $289,000 | $360,000 | $269,000 | $232,000 |
| General And Administrative Expense | $22,707,000 | $18,212,000 | $17,875,000 | $15,777,000 |
| Professional Expense And Contract Services Expense | $4,309,000 | $3,700,000 | $3,369,000 | $2,664,000 |
| Other Non Interest Expense | $10,171,000 | $6,434,000 | $6,420,000 | $4,887,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $-12,710,000 | $-39,882,000 | $-4,179,000 | $6,161,000 |
| Net Interest Income | $18,946,000 | $19,790,000 | $27,996,000 | $32,875,000 |
| Interest Income | $47,675,000 | $52,075,000 | $58,453,000 | $43,628,000 |
| Normalized Income | $-12,710,000 | $-39,882,000 | $-3,357,606 | $6,161,000 |
| Net Income From Continuing And Discontinued Operation | $-12,710,000 | $-39,882,000 | $-4,179,000 | $6,161,000 |
| Net Income Common Stockholders | $-12,710,000 | $-39,882,000 | $-4,179,000 | $6,161,000 |
| Net Income | $-12,710,000 | $-39,882,000 | $-4,179,000 | $6,161,000 |
| Net Income Including Noncontrolling Interests | $-12,709,000 | $-39,882,000 | $-4,179,000 | $6,161,000 |
| Net Income Continuous Operations | $-12,709,000 | $-39,882,000 | $-4,179,000 | $6,161,000 |
| Pretax Income | $-12,650,000 | $-16,097,000 | $-5,633,000 | $7,757,000 |
| Special Income Charges | $0 | $0 | $-1,107,000 | $0 |
| Per Share | ||||
| Diluted EPS | $-0.17 | $-10.03 | $-1.05 | $1.55 |
| Basic EPS | $-0.17 | $-10.03 | $-1.05 | $1.56 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $-285,606 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $0 | $0 | $-1,107,000 | $0 |
| Total Unusual Items Excluding Goodwill | $0 | $0 | $-1,107,000 | $0 |
| Reconciled Depreciation | $1,186,000 | $1,354,000 | $1,353,000 | $1,470,000 |
| Diluted Average Shares | $76,812,476 | $3,976,224 | $3,965,324 | $3,974,839 |
| Basic Average Shares | $76,812,476 | $3,976,224 | $3,965,324 | $3,949,359 |
| Diluted NI Availto Com Stockholders | $-12,710,000 | $-39,882,000 | $-4,179,000 | $6,161,000 |
| Tax Provision | $59,000 | $23,785,000 | $-1,454,000 | $1,596,000 |
| Impairment Of Capital Assets | $0 | $0 | $1,107,000 | $0 |
| Gain On Sale Of Security | $0 | $-334,000 | $24,000 | $0 |
| Selling General And Administration | $22,996,000 | $18,572,000 | $18,144,000 | $16,009,000 |
| Insurance And Claims | $729,000 | $316,000 | $277,000 | $271,000 |
| Salaries And Wages | $21,978,000 | $17,896,000 | $17,598,000 | $15,506,000 |
| Occupancy And Equipment | $3,096,000 | $3,208,000 | $3,410,000 | $3,428,000 |
| Restructuring And Mergern Acquisition | - | - | - | $133,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-21
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $94,571,000 | $4,109,000 | $44,180,000 | $58,227,000 |
| Total Assets | $1,087,840,000 | $1,012,292,000 | $1,093,425,000 | $1,043,359,000 |
| Goodwill And Other Intangible Assets | $109,000 | $156,000 | $203,000 | $1,356,000 |
| Other Intangible Assets | $109,000 | $156,000 | $203,000 | $249,000 |
| Receivables | $4,869,000 | $5,488,000 | $7,219,000 | $7,267,000 |
| Accounts Receivable | $4,869,000 | $5,488,000 | $7,219,000 | $7,267,000 |
| Cash And Cash Equivalents | $186,391,000 | $147,568,000 | $52,517,000 | $38,493,000 |
| Cash Cash Equivalents And Federal Funds Sold | $207,127,000 | $162,610,000 | $66,536,000 | $38,493,000 |
| Debt | ||||
| Total Debt | $16,446,000 | $33,068,000 | $201,105,000 | $115,193,000 |
| Long Term Debt And Capital Lease Obligation | $16,446,000 | $33,068,000 | $201,105,000 | $115,193,000 |
| Long Term Debt | $16,446,000 | $33,068,000 | $201,105,000 | $115,193,000 |
| Net Debt | - | - | $148,588,000 | $76,700,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $993,160,000 | $1,008,027,000 | $1,049,042,000 | $983,776,000 |
| Payables And Accrued Expenses | - | - | - | $7,251,000 |
| Equity | ||||
| Common Stock Equity | $94,680,000 | $4,265,000 | $44,383,000 | $59,583,000 |
| Total Equity Gross Minority Interest | $94,680,000 | $4,265,000 | $44,383,000 | $59,583,000 |
| Stockholders Equity | $94,680,000 | $4,265,000 | $44,383,000 | $59,583,000 |
| Gains Losses Not Affecting Retained Earnings | $-12,119,000 | $-15,681,000 | $-15,261,000 | $-15,645,000 |
| Other Equity Adjustments | $-12,119,000 | $-15,681,000 | $-15,261,000 | $-15,645,000 |
| Retained Earnings | $-99,619,000 | $-86,908,000 | $-47,026,000 | $-31,337,000 |
| Other | ||||
| Treasury Shares Number | $73,741 | $73,741 | $73,741 | $73,741 |
| Ordinary Shares Number | $114,996,672 | $3,991,852 | $3,976,073 | $3,965,186 |
| Share Issued | $115,070,413 | $4,065,593 | $4,049,814 | $4,038,927 |
| Tangible Book Value | $94,571,000 | $4,109,000 | $44,180,000 | $58,227,000 |
| Invested Capital | $111,126,000 | $37,333,000 | $245,488,000 | $174,776,000 |
| Total Capitalization | $111,126,000 | $37,333,000 | $245,488,000 | $174,776,000 |
| Treasury Stock | $1,179,000 | $1,179,000 | - | - |
| Additional Paid In Capital | $206,446,000 | $107,992,000 | - | - |
| Capital Stock | $1,151,000 | $41,000 | $106,670,000 | $106,565,000 |
| Common Stock | $1,151,000 | $41,000 | $106,670,000 | $106,565,000 |
| Investments And Advances | $209,577,000 | $24,242,000 | $25,137,000 | $88,970,000 |
| Net PPE | $28,116,000 | $28,865,000 | $29,875,000 | $30,641,000 |
| Accumulated Depreciation | $-20,159,000 | $-19,206,000 | $-18,163,000 | $-17,025,000 |
| Gross PPE | $48,275,000 | $48,071,000 | $48,038,000 | $47,666,000 |
| Leases | $3,096,000 | $3,096,000 | $3,077,000 | $3,058,000 |
| Construction In Progress | $105,000 | $0 | $65,000 | $69,000 |
| Machinery Furniture Equipment | $13,179,000 | $13,110,000 | $13,031,000 | $12,674,000 |
| Buildings And Improvements | $19,076,000 | $19,046,000 | $19,046,000 | $19,046,000 |
| Land And Improvements | $12,819,000 | $12,819,000 | $12,819,000 | $12,819,000 |
| Other Short Term Investments | $209,577,000 | $19,792,000 | $20,687,000 | $84,520,000 |
| Preferred Stock | - | $0 | $0 | $0 |
| Available For Sale Securities | - | $4,450,000 | $4,450,000 | $4,450,000 |
| Goodwill | - | - | $0 | $1,107,000 |
| Current Accrued Expenses | - | - | - | $7,251,000 |
Fetched: 2026-06-21
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $-14,342,000 | $2,628,000 | $-11,127,000 | $6,622,000 |
| Operating Activities | ||||
| Operating Cash Flow | $-14,170,000 | $2,683,000 | $-10,715,000 | $7,036,000 |
| Cash Flow From Continuing Operating Activities | $-14,170,000 | $2,683,000 | $-10,715,000 | $7,036,000 |
| Operating Gains Losses | $2,229,000 | $-109,000 | $-193,000 | $-1,461,000 |
| Investing Activities | ||||
| Capital Expenditure | $-172,000 | $-55,000 | $-412,000 | $-414,000 |
| Investing Cash Flow | $-20,524,000 | $135,011,000 | $-27,176,000 | $-122,051,000 |
| Cash Flow From Continuing Investing Activities | $-20,524,000 | $135,011,000 | $-27,176,000 | $-122,051,000 |
| Net Other Investing Changes | $1,282,000 | $4,136,000 | $209,000 | $526,000 |
| Financing Activities | ||||
| Issuance Of Capital Stock | $91,022,000 | $0 | $0 | - |
| Financing Cash Flow | $79,212,000 | $-41,620,000 | $65,934,000 | $106,463,000 |
| Cash Flow From Continuing Financing Activities | $79,212,000 | $-41,620,000 | $65,934,000 | $106,463,000 |
| Net Other Financing Charges | $-4,953,000 | $308,000 | $278,000 | $-215,000 |
| Net Preferred Stock Issuance | $5,450,000 | $0 | $0 | - |
| Preferred Stock Issuance | $5,450,000 | $0 | $0 | - |
| Net Common Stock Issuance | $85,572,000 | $0 | $0 | - |
| Common Stock Issuance | $85,572,000 | $0 | $0 | - |
| Cash Dividends Paid | - | - | - | - |
| Common Stock Dividend Paid | - | - | - | - |
| Other | ||||
| Repayment Of Debt | $-76,046,000 | $-210,214,000 | $-215,709,000 | $-57,206,000 |
| Issuance Of Debt | $70,000,000 | $42,000,000 | $301,500,000 | $52,000,000 |
| Interest Paid Supplemental Data | $29,317,000 | $31,924,000 | $29,631,000 | $10,472,000 |
| End Cash Position | $207,127,000 | $162,610,000 | $66,536,000 | $38,493,000 |
| Beginning Cash Position | $162,610,000 | $66,536,000 | $38,493,000 | $47,045,000 |
| Changes In Cash | $44,518,000 | $96,074,000 | $28,043,000 | $-8,552,000 |
| Net Issuance Payments Of Debt | $-6,046,000 | $-168,214,000 | $85,791,000 | $-5,206,000 |
| Net Long Term Debt Issuance | $-6,046,000 | $-168,214,000 | $85,791,000 | $-5,206,000 |
| Long Term Debt Payments | $-76,046,000 | $-210,214,000 | $-215,709,000 | $-57,206,000 |
| Long Term Debt Issuance | $70,000,000 | $42,000,000 | $301,500,000 | $52,000,000 |
| Net Investment Purchase And Sale | $-136,339,000 | $9,635,000 | $-4,311,000 | $-9,007,000 |
| Sale Of Investment | $8,849,000 | $11,954,000 | $6,104,000 | $10,323,000 |
| Purchase Of Investment | $-145,188,000 | $-2,319,000 | $-10,415,000 | $-19,330,000 |
| Net PPE Purchase And Sale | $-171,000 | $-42,000 | $-412,000 | $-414,000 |
| Sale Of PPE | $1,000 | $13,000 | $0 | $0 |
| Purchase Of PPE | $-172,000 | $-55,000 | $-412,000 | $-414,000 |
| Change In Working Capital | $1,349,000 | $505,000 | $1,298,000 | $-4,409,000 |
| Change In Other Current Assets | $808,000 | $-1,123,000 | $1,750,000 | $-879,000 |
| Change In Payables And Accrued Expense | $-78,000 | $-103,000 | $-500,000 | $-2,085,000 |
| Change In Accrued Expense | $-78,000 | $-103,000 | $-500,000 | $-2,085,000 |
| Change In Receivables | $619,000 | $1,731,000 | $48,000 | $-1,445,000 |
| Other Non Cash Items | $-12,588,000 | $4,495,000 | $-15,210,000 | $-857,000 |
| Stock Based Compensation | $5,233,000 | $184,000 | $105,000 | $86,000 |
| Asset Impairment Charge | $77,000 | $0 | $1,107,000 | $0 |
| Deferred Tax | $59,000 | $23,824,000 | $-4,211,000 | $1,490,000 |
| Deferred Income Tax | $59,000 | $23,824,000 | $-4,211,000 | $1,490,000 |
| Depreciation Amortization Depletion | $1,186,000 | $1,354,000 | $1,353,000 | $1,470,000 |
| Depreciation And Amortization | $1,186,000 | $1,354,000 | $1,353,000 | $1,470,000 |
| Amortization Cash Flow | $200,000 | $276,000 | $160,000 | $145,000 |
| Amortization Of Intangibles | $200,000 | $276,000 | $160,000 | $145,000 |
| Depreciation | $986,000 | $1,078,000 | $1,193,000 | $1,325,000 |
| Gain Loss On Investment Securities | $0 | $334,000 | $-24,000 | $0 |
| Gain Loss On Sale Of PPE | $-1,000 | $-3,000 | $0 | $0 |
| Net Income From Continuing Operations | $-12,710,000 | $-39,882,000 | $-4,179,000 | $6,161,000 |
| Income Tax Paid Supplemental Data | - | $66,000 | $3,536,000 | $102,000 |
| Gain Loss On Sale Of Business | - | - | - | $0 |
Fetched: 2026-06-21