Patriot National Bancorp, Inc.
General ticker "PNBK" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $102.8M (TTM average)
Patriot National Bancorp, Inc. does not follow the US Stock Market performance with the rate: -24.5%.
Estimated limits based on current volatility of 2.7%: low 0.84$, high 0.88$
Factors to consider:
- Total employees count: 107 (-17.1%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Regulatory and compliance, Strategic risks and growth management, Labor/talent shortage/retention, Legacy portfolio losses, Capital adequacy concerns
- Current price 48.5% below estimated low
- Earnings for 6 months up through Q2 exceed 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 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [1.61$, 3.12$]
- 2026-12-31 to 2027-12-31 estimated range: [1.68$, 3.20$]
Financial Metrics affecting the PNBK estimates:
- Positive: with PPE of -5.6 at the end of fiscal year the price was low
- Negative: negative Operating cash flow
- Negative: negative Operating income
- Positive: 9.52 < Industry operating cash flow per share per price (median), % of 10.78
- Positive: 14.78 < Industry operating profit margin (median), % of 24.03
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: Industry earnings per price (median), % of 7.57 > 6.58
- Positive: -7.72 < Return on assets ratio (scaled to [-100,100]) of -1.15
Short-term PNBK quotes
Long-term PNBK plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $64.70MM | $28.98MM | $58.16MM |
| Operating Expenses | $70.34MM | $45.16MM | $71.34MM |
| Operating Income | $-5.63MM | $-16.18MM | $-13.18MM |
| Non-Operating Income | $0.00MM | $0.08MM | $0.53MM |
| Interest Expense | $30.46MM | $32.28MM | $28.73MM |
| Income(Loss) | $-5.63MM | $-16.10MM | $-12.65MM |
| Taxes | $-1.45MM | $23.79MM | $0.06MM |
| Net Income(Loss)* | $-4.18MM | $-39.88MM | $-12.71MM |
| Stockholders Equity | $44.38MM | $4.26MM | $94.68MM |
| Assets | $1,093.42MM | $1,012.29MM | $1,087.84MM |
| Operating Cash Flow | $-10.71MM | $2.68MM | $-14.17MM |
| Capital expenditure | $0.41MM | $0.06MM | $0.17MM |
| Investing Cash Flow | $-27.18MM | $135.01MM | $-20.52MM |
| Financing Cash Flow | $65.93MM | $-41.62MM | $79.21MM |
| Earnings Per Share** | $-1.05 | $-10.01 | $-0.16 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.