Home / PNBK : NASDAQ

AI Analysis Fundamentals Valuation Video Analysis News Similar

AI Analysis

How does PNBK make money? Does PNBK have pricing power? What's the Earnings Whisper? Will PNBK profit more as the business scales? What is PNBK's management track record? Is PNBK's current price justified?

Patriot National Bancorp, Inc.

$0.97 -$0.70 (-41.81%)

NASDAQ · 14 Sep 2026 20:00 UTC

Previous Close

$0.98

Day Range

$0.96$0.99

Year Range

$0.86$2

Market Cap

114.28M

AVG Volume

427.82K

Trailing/Forward PE

-12.94/0.68

PEG ratio

-0.03

Dividend Yield

Next Earnings Date

2026-11-13

Primary Exchange

NASDAQ

Revenue (USD)

PNBK Revenue (USD) by year
Period	Revenue (USD)
2025	58.16M
2024	60.56M
2023	64.7M
2022	47.38M
2021	36.64M
2020	39.71M
2019	45.97M
2018	41.91M
2017	34.23M
2016	26.91M

Net Income (USD)

PNBK Net Income (USD) by year
Period	Net Income (USD)
2025	-12.71M
2024	-39.88M
2023	-4.18M
2022	6.16M
2021	5.09M
2020	-3.82M
2019	-2.82M
2018	3.2M
2017	4.15M
2016	1.93M

Operating Income (USD)

PNBK Operating Income (USD) by year
Period	Operating Income (USD)
2025	-12.65M
2024	-16.1M
2023	-5.63M
2022	7.76M
2021	5.01M
2020	-4.16M
2019	-3.72M
2018	4.09M
2017	7.02M
2016	3.14M

EBITDA (USD)

PNBK EBITDA (USD) by year
Period	EBITDA (USD)
2025	-11.46M
2024	-14.74M
2023	-4.28M
2022	9.23M
2021	6.65M
2020	-2.56M
2019	-2.02M
2018	5.62M
2017	8.29M
2016	4.35M

Cash Flows (USD)

PNBK Cash Flows (USD) by year
Period	Cash Flows (USD)
2025	-14.34M
2024	2.63M
2023	-11.13M
2022	6.62M
2021	7.17M
2020	6.21M
2019	-12.47M
2018	4.43M
2017	4.23M
2016	881K

EPS (USD)

PNBK EPS (USD) by year
Period	EPS (USD)
2025	-0.19
2024	-10.03
2023	-1.04
2022	1.56
2021	1.3
2020	-0.96
2019	-0.71
2018	0.77
2017	1.06
2016	0.5

Expenses (USD)

PNBK Expenses (USD) by year
Period	Expenses (USD)
2025	461K
2024	19.29M
2023	19.17M
2022	16.13M
2021	13.48M
2020	16.7M
2019	16.21M
2018	14.54M
2017	15.67M
2016	14.57M

Cash & Debt (USD)

PNBK Cash & Debt (USD) by year
Period	Cash & Debt (USD)
2025	395.97M
2024	167.36M
2023	73.2M
2022	123.01M
2021	141.39M
2020	83.9M
2019	87.72M
2018	105.93M
2017	74.31M
2016	116.72M

Debt ratios

PNBK Debt ratios by year
Period	Debt ratios
2025	17.85
2024	42.66
2023	14.15
2022	-0.69
2021	-2.69
2020	3.96
2019	2.66
2018	1.1

Margins

PNBK Margins by year
Period	Margins
2025	48.01%
2024	26.12%
2023	41.45%
2022	73.33%
2021	82.01%
2020	59.91%
2019	49.56%
2018	67.36%
2017	82.18%
2016	79.67%

Return on Capital

PNBK Return on Capital by year
Period	Return on Capital
2025	-13.42%
2024	-935.1%
2023	-9.42%
2022	10.34%
2021	7.56%
2020	-6.04%
2019	-4.2%
2018	4.61%
2017	6.21%
2016	3.08%

Shares Outstanding

PNBK Shares Outstanding by year
Period	Shares Outstanding
2025	78.12M
2024	3.99M
2023	3.97M
2022	3.93M
2021	3.95M
2020	3.94M
2019	3.93M
2018	4.3M
2017	4M
2016	3.87M

Dividends (USD)

PNBK Dividends (USD) by year
Period	Dividends (USD)
2019	0.04
2018	0.04
2017	0.02
2009	0.46
2008	1.35
2007	1.8
2006	1.75
2005	1.55
2004	1.65
2003	0.85

Employee Count

PNBK Employee Count by year
Period	Employee Count
2025	107
2024	129
2023	117
2022	130
2021	128
2020	122
2019	131
2018	118
2017	102
2016	94

Book Value Per Share (USD)

PNBK Book Value Per Share (USD) by year
Period	Book Value Per Share (USD)
2025	1.21
2024	1.07
2023	11.19
2022	15.15
2021	17.06
2020	16.06
2019	17.07
2018	16.13
2017	16.69
2016	16.17

Total Assets (USD)

PNBK Total Assets (USD) by year
Period	Total Assets (USD)
2025	1.09B
2024	1.01B
2023	1.09B
2022	1.04B
2021	948.48M
2020	880.73M
2019	979.84M
2018	951.7M
2017	852.08M
2016	756.65M

PE Ratio

PNBK PE Ratio by year
Period	PE Ratio
Nov 23	7.93
Nov 23	8.8
Oct 23	8.69
Oct 23	9.43
Oct 23	9.5
Oct 23	9.76
Sep 23	10.37
Sep 23	10.75
Sep 23	11.07
Sep 23	11.68
Sep 23	11.24
Aug 23	11.85
Aug 23	11.85
Aug 23	13.11
Aug 23	8.18
Jul 23	7.58
Jul 23	7.14
Jul 23	6.89
Jul 23	7.02
Jun 23	6.7
Jun 23	6.77
Jun 23	7.55
Jun 23	6.55
Jun 23	6.38
May 23	5.92
May 23	5.97
May 23	6
May 23	5.08
Apr 23	5.59
Apr 23	5.91
Apr 23	5.97
Apr 23	6.01
Mar 23	5.63
Mar 23	6.14
Mar 23	6.14
Mar 23	6.63
Mar 23	6.99
Feb 23	7.08
Feb 23	6.96
Feb 23	6.8
Feb 23	6.83
Jan 23	7.1
Jan 23	7.01
Jan 23	6.52
Jan 23	6.67
Dec 22	6.67
Dec 22	6.89
Dec 22	7.34
Dec 22	6.58
Dec 22	6.23
Nov 22	6.3
Nov 22	6.45
Nov 22	7.64
Nov 22	7.68
Oct 22	7.77
Oct 22	7.72
Oct 22	8.31
Oct 22	8.16
Sep 22	8.29
Sep 22	8.47
Sep 22	8.61
Sep 22	8.8
Sep 22	8.85
Aug 22	8.99
Aug 22	8.99
Aug 22	8.99
Aug 22	9.3
Jul 22	9.04
Jul 22	8.72
Jul 22	10.12
Jul 22	10.19
Jul 22	9.71
Jun 22	9.55
Jun 22	10.4
Jun 22	10.58
Jun 22	11.15
May 22	11.36
May 22	11.13
May 22	10.91
May 22	12.31
Apr 22	12.01
Apr 22	12.53
Apr 22	12.7
Apr 22	13.02
Apr 22	13.37
Mar 22	13.45
Mar 22	35.63
Mar 22	35.63
Mar 22	35.61
Feb 22	35.63
Feb 22	35.74
Feb 22	34.91
Feb 22	33.46
Jan 22	32
Jan 22	32.65
Jan 22	33.28
Jan 22	33.28
Dec 21	33.78
Dec 21	32.41
Dec 21	32.61

Free Cash Flow Yield

PNBK Free Cash Flow Yield by year
Period	Free Cash Flow Yield
Sep 26	-15.7%
Sep 26	-15.57%
Sep 26	-13.75%
Aug 26	-14.81%
Aug 26	-14.81%
Aug 26	-13.87%
Aug 26	-13.15%
Jul 26	-13.38%
Jul 26	-13.62%
Jul 26	-12.82%
Jul 26	-12.93%
Jul 26	-11.3%
Jun 26	-15.9%
Jun 26	-14.26%
Jun 26	-15.73%
Jun 26	-14.53%
May 26	-13.62%
May 26	-14.26%
May 26	-14.26%
May 26	-16.69%
May 26	-15.56%
Apr 26	-14.01%
Apr 26	-13.5%
Apr 26	-13.8%
Apr 26	-14.12%
Mar 26	-12.8%
Mar 26	-11.44%
Mar 26	-12.6%
Mar 26	-13.1%
Feb 26	-13%
Feb 26	-12.9%
Feb 26	-11.86%
Feb 26	-10.83%
Jan 26	-10.55%
Jan 26	-10.22%
Jan 26	-10.22%
Jan 26	-9.79%
Jan 26	-9.73%
Dec 25	-9.18%
Dec 25	-8.46%
Dec 25	-9.34%
Dec 25	-11.95%
Nov 25	-11.36%
Nov 25	-13.1%
Nov 25	-14.64%
Nov 25	-11.43%
Oct 25	-10.85%
Oct 25	-9.5%
Oct 25	-10.25%
Oct 25	-10.25%
Oct 25	-9.71%
Sep 25	-9.64%
Sep 25	-9.03%
Sep 25	-9.03%
Sep 25	-8.97%
Aug 25	-8.61%
Aug 25	-7.51%
Aug 25	-8.17%
Aug 25	-6.97%
Aug 25	-7.98%
Jul 25	-8.25%
Jul 25	-8.48%
Jul 25	-8.08%
Jul 25	-8.3%
Jun 25	-8.91%
Jun 25	-11.51%
Jun 25	-12.08%
Jun 25	-9.61%
May 25	-8.42%
May 25	-2.26%
May 25	-2.13%
May 25	15.79%
May 25	15.24%
Apr 25	18.14%
Apr 25	20.07%
Apr 25	85.95%
Apr 25	90.34%
Mar 25	99.81%
Mar 25	88.4%
Mar 25	117.87%
Mar 25	105.78%
Feb 25	113.55%
Feb 25	104%
Feb 25	84.77%
Feb 25	85.36%
Jan 25	79.34%
Jan 25	76.87%
Jan 25	68.76%
Jan 25	69.53%
Jan 25	65.14%
Dec 24	63.8%
Dec 24	58.66%
Dec 24	54.76%
Dec 24	57.57%
Nov 24	55.01%
Nov 24	65.48%
Nov 24	-96.41%
Nov 24	-88.58%
Nov 24	-110.44%
Oct 24	-111.14%

Price to Sales

PNBK Price to Sales by year
Period	Price to Sales
Sep 26	1.71
Sep 26	1.72
Sep 26	1.95
Aug 26	1.81
Aug 26	1.81
Aug 26	1.93
Aug 26	1.49
Jul 26	1.46
Jul 26	1.44
Jul 26	1.53
Jul 26	1.51
Jul 26	1.73
Jun 26	1.23
Jun 26	1.37
Jun 26	1.24
Jun 26	1.35
May 26	1.44
May 26	1.37
May 26	1.37
May 26	1.48
May 26	1.59
Apr 26	1.76
Apr 26	1.83
Apr 26	1.79
Apr 26	1.75
Mar 26	1.75
Mar 26	1.96
Mar 26	1.78
Mar 26	1.71
Feb 26	1.72
Feb 26	1.74
Feb 26	1.89
Feb 26	2.07
Jan 26	2.12
Jan 26	2.19
Jan 26	2.19
Jan 26	2.29
Jan 26	2.3
Dec 25	2.44
Dec 25	2.65
Dec 25	2.4
Dec 25	1.88
Nov 25	1.97
Nov 25	1.71
Nov 25	1.53
Nov 25	1.53
Oct 25	1.61
Oct 25	1.84
Oct 25	1.7
Oct 25	1.7
Oct 25	1.8
Sep 25	1.81
Sep 25	1.93
Sep 25	1.93
Sep 25	1.95
Aug 25	2.03
Aug 25	2.33
Aug 25	2.14
Aug 25	1.21
Aug 25	1.06
Jul 25	1.02
Jul 25	0.99
Jul 25	1.04
Jul 25	1.01
Jun 25	0.95
Jun 25	0.73
Jun 25	0.7
Jun 25	0.88
May 25	1
May 25	3.73
May 25	3.95
May 25	0.27
May 25	0.28
Apr 25	0.24
Apr 25	0.22
Apr 25	0.09
Apr 25	0.08
Mar 25	0.08
Mar 25	0.09
Mar 25	0.06
Mar 25	0.07
Feb 25	0.07
Feb 25	0.07
Feb 25	0.09
Feb 25	0.09
Jan 25	0.1
Jan 25	0.1
Jan 25	0.11
Jan 25	0.11
Jan 25	0.12
Dec 24	0.12
Dec 24	0.13
Dec 24	0.14
Dec 24	0.13
Nov 24	0.14
Nov 24	0.12
Nov 24	0.11
Nov 24	0.12
Nov 24	0.1
Oct 24	0.1

EV/EBITDA

PNBK EV/EBITDA by year
Period	EV/EBITDA
Nov 23	21.42
Nov 23	21.95
Oct 23	21.88
Oct 23	22.33
Oct 23	22.38
Oct 23	22.53
Sep 23	22.91
Sep 23	23.14
Sep 23	23.34
Sep 23	23.7
Sep 23	23.44
Aug 23	23.81
Aug 23	23.81
Aug 23	24.57
Aug 23	9.3
Jul 23	8.9
Jul 23	8.62
Jul 23	8.45
Jul 23	8.54
Jun 23	8.33
Jun 23	8.38
Jun 23	8.89
Jun 23	8.23
Jun 23	8.12
May 23	7.82
May 23	7.85
May 23	7.87
May 23	2.54
Apr 23	2.88
Apr 23	3.1
Apr 23	3.14
Apr 23	3.16
Mar 23	2.91
Mar 23	10.28
Mar 23	10.28
Mar 23	10.69
Mar 23	10.99
Feb 23	11.07
Feb 23	10.96
Feb 23	10.83
Feb 23	10.86
Jan 23	11.08
Jan 23	11
Jan 23	10.59
Jan 23	10.73
Dec 22	10.73
Dec 22	10.9
Dec 22	11.28
Dec 22	10.65
Dec 22	10.36
Nov 22	10.41
Nov 22	10.54
Nov 22	8.27
Nov 22	8.29
Oct 22	8.36
Oct 22	8.32
Oct 22	8.78
Oct 22	8.67
Sep 22	8.77
Sep 22	8.91
Sep 22	9.02
Sep 22	9.16
Sep 22	9.2
Aug 22	9.31
Aug 22	9.31
Aug 22	9.31
Aug 22	6.12
Jul 22	5.92
Jul 22	5.68
Jul 22	6.75
Jul 22	6.81
Jul 22	6.44
Jun 22	6.31
Jun 22	6.97
Jun 22	7.11
Jun 22	7.55
May 22	7.71
May 22	7.54
May 22	7.37
May 22	6.32
Apr 22	6.1
Apr 22	6.49
Apr 22	6.62
Apr 22	6.87
Apr 22	7.14
Mar 22	7.19
Mar 22	6.96
Mar 22	6.96
Mar 22	6.95
Feb 22	6.96
Feb 22	7
Feb 22	6.7
Feb 22	6.18
Jan 22	5.66
Jan 22	5.89
Jan 22	6.12
Jan 22	6.12
Dec 21	6.3
Dec 21	5.8
Dec 21	5.87

Price/Operating Cashflow

PNBK Price/Operating Cashflow by year
Period	Price/Operating Cashflow
May 25	6.2
May 25	6.43
Apr 25	5.4
Apr 25	4.88
Apr 25	1.13
Apr 25	1.07
Mar 25	0.97
Mar 25	1.09
Mar 25	0.82
Mar 25	0.91
Feb 25	0.85
Feb 25	0.93
Feb 25	1.14
Feb 25	1.13
Jan 25	1.22
Jan 25	1.26
Jan 25	1.41
Jan 25	1.39
Jan 25	1.48
Dec 24	1.52
Dec 24	1.65
Dec 24	1.77
Dec 24	1.68
Nov 24	1.76
Nov 24	1.48
Nov 23	1.69
Nov 23	1.87
Oct 23	1.85
Oct 23	2.01
Oct 23	2.02
Oct 23	2.08
Sep 23	2.21
Sep 23	2.29
Sep 23	2.36
Sep 23	2.49
Sep 23	2.39
Aug 23	2.52
Aug 23	2.52
Aug 23	2.79
Aug 23	3.42
Jul 23	3.17
Jul 23	2.99
Jul 23	2.88
Jul 23	2.94
Jun 23	2.8
Jun 23	2.83
Jun 23	3.16
Jun 23	2.74
Jun 23	2.67
May 23	2.48
May 23	2.5
May 23	2.51
May 23	4.44
Apr 23	4.89
Apr 23	5.18
Apr 23	5.23
Apr 23	5.26
Mar 23	4.93
Mar 23	11.33
Mar 23	11.31
Mar 23	12.22
Mar 23	12.88
Feb 23	13.06
Feb 23	12.82
Feb 23	12.53
Feb 23	12.59
Jan 23	13.09
Jan 23	12.92
Jan 23	12.01
Jan 23	12.3
Dec 22	12.3
Dec 22	12.7
Dec 22	13.53
Dec 22	12.14
Dec 22	11.49
Nov 22	11.6
Nov 22	11.88
Nov 22	8.29
Nov 22	8.33
Oct 22	8.43
Oct 22	8.37
Oct 22	9.01
Oct 22	8.86
Sep 22	9
Sep 22	9.19
Sep 22	9.34
Sep 22	9.55
Sep 22	9.6
Aug 22	9.75
Aug 22	9.75
Aug 22	9.75
Aug 22	11.41
Jul 22	11.09
Jul 22	10.7
Jul 22	12.41
Jul 22	12.5
Jul 22	11.91
Jun 22	11.71
Jun 22	12.76
Jun 22	12.98

Price to Book

PNBK Price to Book by year
Period	Price to Book
Sep 26	1.28
Sep 26	1.29
Sep 26	1.47
Aug 26	1.36
Aug 26	1.36
Aug 26	1.45
Aug 26	1
Jul 26	0.99
Jul 26	0.97
Jul 26	1.03
Jul 26	1.02
Jul 26	1.17
Jun 26	0.83
Jun 26	0.93
Jun 26	0.84
Jun 26	0.91
May 26	0.97
May 26	0.93
May 26	0.93
May 26	0.91
May 26	0.97
Apr 26	1.08
Apr 26	1.12
Apr 26	1.1
Apr 26	1.07
Mar 26	1.04
Mar 26	1.17
Mar 26	1.06
Mar 26	1.02
Feb 26	1.03
Feb 26	1.04
Feb 26	1.13
Feb 26	1.23
Jan 26	1.27
Jan 26	1.31
Jan 26	1.31
Jan 26	1.36
Jan 26	1.37
Dec 25	1.46
Dec 25	1.58
Dec 25	1.43
Dec 25	1.12
Nov 25	1.18
Nov 25	1.02
Nov 25	0.91
Nov 25	1.33
Oct 25	1.4
Oct 25	1.6
Oct 25	1.49
Oct 25	1.49
Oct 25	1.57
Sep 25	1.58
Sep 25	1.69
Sep 25	1.69
Sep 25	1.7
Aug 25	1.77
Aug 25	2.03
Aug 25	1.86
Aug 25	1.26
Aug 25	1.1
Jul 25	1.06
Jul 25	1.03
Jul 25	1.08
Jul 25	1.06
Jun 25	0.98
Jun 25	0.76
Jun 25	0.73
Jun 25	0.91
May 25	1.04
May 25	3.88
May 25	4.11
May 25	3.9
May 25	4.04
Apr 25	3.4
Apr 25	3.07
Apr 25	0.35
Apr 25	0.33
Mar 25	0.3
Mar 25	0.34
Mar 25	0.25
Mar 25	0.28
Feb 25	0.26
Feb 25	0.29
Feb 25	0.35
Feb 25	0.35
Jan 25	0.38
Jan 25	0.39
Jan 25	0.44
Jan 25	0.43
Jan 25	0.46
Dec 24	0.47
Dec 24	0.51
Dec 24	0.55
Dec 24	0.52
Nov 24	0.55
Nov 24	0.46
Nov 24	0.18
Nov 24	0.19
Nov 24	0.16
Oct 24	0.15

No video analysis for this stock yet. Request one from our team.

News: PNBK

globenewswire.com · 1 Jul 2026

Patriot Bank's Formal Agreement With the OCC Has Been Terminated

STAMFORD, Conn., July 01, 2026 (GLOBE NEWSWIRE) -- Patriot Bank, N.A.

globenewswire.com · 29 Jun 2026

Patriot Bank Opens Flagship California Location in Beverly Hills With Over $100 Million in Deposits

BEVERLY HILLS, Calif., June 29, 2026 (GLOBE NEWSWIRE) -- Patriot Bank, N.A. (“Patriot Bank”), the wholly owned subsidiary of Patriot National Bancorp, Inc. (NASDAQ: PNBK), announced the opening of its flagship California location in Beverly Hills with more than $100 million in deposits from high-net-worth families, entrepreneurs, and business leaders throughout Southern California. This milestone marks a significant achievement for Patriot Bank.

globenewswire.com · 22 Jun 2026

Patriot Bank Expands into Palm Beach and the South Florida Market

PALM BEACH, Fla., June 22, 2026 (GLOBE NEWSWIRE) -- Patriot Bank, N.A.

globenewswire.com · 15 Jun 2026

Patriot Bank Expands High Net Worth Banking Platform in Greenwich, CT

DeWitt Hutchins appointed as Patriot Bank's Connecticut Market President servicing the needs of high-net-worth families and their advisors Sophia Salinas and Robert Black join Patriot Bank's Greenwich team, further expanding the Bank's relationship-driven banking capabilities for high-net-worth clients and their advisors Patriot Bank announces significant investment in and commitment to Greenwich, Connecticut including significant upgrades to the Mason Street branch. GREENWICH, Conn.