Patriot National Bancorp, Inc.
General ticker "PNBK" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $7.2M (TTM average)
Patriot National Bancorp, Inc. does not follow the US Stock Market performance with the rate: -25.8%.
Estimated limits based on current volatility of 1.0%: low 1.33$, high 1.36$
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 14.0% below estimated low
- Earnings for 3 months up through Q1 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: [1.58$, 3.37$]
- 2026-12-31 to 2027-12-31 estimated range: [1.78$, 3.64$]
Financial Metrics affecting the PNBK estimates:
- Positive: with PPE of -5.7 at the end of fiscal year the price was low
- Negative: negative Operating income
- Negative: Operating cash flow per share per price, % of -4.26 <= 0.07
- Positive: Industry operating cash flow per share per price (median), % of 10.66 > 10.31
- Positive: -3.36 < Return on assets ratio (scaled to [-100,100]) of -1.15
- Positive: Industry earnings per price (median), % of 6.86 > 4.54
- Positive: Industry operating profit margin (median), % of 22.17 > 9.67
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: Industry inventory ratio change (median), % of 0 <= 0
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 | $60.56MM | $58.16MM |
| Operating Expenses | $70.34MM | $76.65MM | $70.81MM |
| Operating Income | $-5.63MM | $-16.10MM | $-12.65MM |
| Interest Expense | $30.46MM | $32.28MM | $28.73MM |
| Income(Loss) | $-5.63MM | $-16.10MM | $-12.65MM |
| Taxes | $-1.45MM | $23.79MM | $0.06MM |
| Profit(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 | $-6.02MM |
| Capital expenditure | $0.41MM | $0.06MM | $0.17MM |
| Investing Cash Flow | $-27.18MM | $135.01MM | $-66.50MM |
| Financing Cash Flow | $65.93MM | $-41.62MM | $83.76MM |
| 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.