Patriot National Bancorp, Inc.
General ticker "PNBK" information:
- Sector: Financials
- Industry: Banks
- Capitalization: $7.3M (TTM average)
Patriot National Bancorp, Inc. does not follow the US Stock Market performance with the rate: -14.8%.
Estimated limits based on current volatility of 3.4%: low 1.30$, high 1.39$
Factors to consider:
- Total employees count: 117 (-10.0%) as of 2023
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Interest rate fluctuations, Cybersecurity threats, Loan portfolio risks, Labor/talent shortage/retention
- Current price 33.7% below estimated low
- Earnings for 18 months up through Q2 (+1 year) are below our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2023-12-31 to 2025-12-30
- 2023-12-31 to 2024-12-30 estimated range: [2.06$, 4.78$]
- 2024-12-30 to 2025-12-30 estimated range: [2.04$, 4.41$]
Financial Metrics affecting the PNBK estimates:
- Positive: with PPE of -6.1 at the end of fiscal year the price was low
- Negative: negative Operating income
- Positive: Industry operating cash flow per share per price (median), % of 13.14 > 10.33
- Negative: Operating cash flow per share per price, % of -67.69 <= 0.33
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: Industry operating profit margin (median), % of 23.49 > 9.92
- Positive: -2.95 < Return on assets ratio (scaled to [-100,100]) of -0.38
Short-term PNBK quotes
Long-term PNBK plot with estimates
Financial data
| YTD | 2021-12-31 | 2022-12-31 | 2023-12-31 |
|---|---|---|---|
| Operating Revenue | $36.64MM | $47.38MM | $64.70MM |
| Operating Expenses | $31.63MM | $39.63MM | $70.34MM |
| Operating Income | $5.01MM | $7.76MM | $-5.63MM |
| Interest Expense | $7.09MM | $10.75MM | $30.46MM |
| Income(Loss) | $5.01MM | $7.76MM | $-5.63MM |
| Taxes | $-0.08MM | $1.60MM | $-1.45MM |
| Profit(Loss)* | $5.09MM | $6.16MM | $-4.18MM |
| Stockholders Equity | $67.34MM | $59.58MM | $44.38MM |
| Assets | $948.48MM | $1,043.36MM | $1,093.42MM |
| Operating Cash Flow | $7.60MM | $7.04MM | $-10.71MM |
| Capital expenditure | $0.43MM | $0.41MM | $0.41MM |
| Investing Cash Flow | $-55.20MM | $-122.05MM | $-27.18MM |
| Financing Cash Flow | $60.02MM | $106.46MM | $65.93MM |
| Earnings Per Share** | $1.29 | $1.56 | $-1.05 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.