Patriot National Bancorp, Inc. (PNBK)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 26 | 30 | 37 | 34 | 28 | 29 | 39 | - |
| Operating profit | $m | -13 | -6 | ||||||
| Net profit | $m | -4 | 5 | 6 | -4 | -40 | -13 | -7 | - |
| EPS reported | $ | -0.16 | -0.08 | ||||||
| Operating cashflow per share | $ | -0.18 | -0.23 | ||||||
| Capex per share | $ | 0.00 | 0.00 | ||||||
| FCF per share | $ | -0.18 | -0.23 | ||||||
| Free cash flow | $m | -14 | -18 | ||||||
| Net debt | $m | -380 | -226 | ||||||
| Book value equity | $m | 95 | 89 | ||||||
| Book value per share | $ | 1.21 | 0.76 | ||||||
| Number of shares | m | 78.12 | 117.48 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.01 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | - | - | ||||||
| P/B LTM | x | 1.50 | 1.60 | ||||||
| P/S LTM | x | 4.83 | 3.64 | ||||||
| P/FCF LTM | x | -9.91 | -7.93 | ||||||
| EV/EBITDA LTM | x | 2.42 | 4.02 | ||||||
| EV/Sales LTM | x | -0.48 | 1.99 | ||||||
| Earnings Yield LTM | % | -8.94% | -7.62% | ||||||
| FCF Yield | % | -10.09% | -12.61% | ||||||
| Quality | |||||||||
| ROE | % | -13.42% | -7.10% | ||||||
| ROIC | % | -10.36% | -0.47% | ||||||
| Operating margin | % | -21.75% | -10.28% | ||||||
| Gross margin | % | +48.01% | +43.69% | ||||||
| FCF/Sales | % | -24.66% | -28.07% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | - | - | ||||||
| Sales Growth YoY | % | +4.09% | +37.99% | ||||||
| Net Income Growth YoY | % | - | - | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | - | - | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | -0.87 | -1.09 | ||||||
| Net Debt/EBITDA | x | 14.82 | 0.44 | ||||||
| EBIT/Net interest | x | -0.44 | -0.24 | ||||||
| Net debt/market cap | % | +11.57% | 0.00% | ||||||
| Net debt/Equity | x | -4.01 | -2.55 | ||||||
| Gross debt/equity | x | 0.17 | 0.19 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Patriot National Bancorp, Inc. functions as the parent company for Patriot Bank, N.A., providing a full spectrum of community banking solutions. Its services cater to individuals, small and medium-sized businesses, and professionals. The bank offers a diverse range of deposit products, including standard checking accounts, interest-bearing negotiable order of withdrawal (NOW) accounts, money market accounts, savings accounts, and prepaid deposit accounts. Specialized options like online national money market accounts, individual retirement accounts (IRAs), and health savings accounts (HSAs) are also available, alongside certificate of deposit account registry service (CDARS). In terms of lending, Patriot National Bancorp's portfolio comprises commercial real estate loans, business loans (including Small Business Administration-backed options), construction financing, purchased residential real estate mortgages, and various consumer loan products. Beyond core banking, the company facilitates automated clearing house (ACH) transfers, lockbox services, comprehensive internet banking with bill payment capabilities, remote deposit capture, debit cards, money orders, traveler's checks, and automated teller machine (ATM) access. The company operates nine physical branches: eight are located across Fairfield and New Haven Counties in Connecticut, with an additional branch in Westchester County, New York. Founded in 1994, Patriot National Bancorp, Inc. is headquartered in Stamford, Connecticut.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Patriot National Bancorp, Inc. (PNBK)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Patriot National Bancorp, Inc. functions as the parent company for Patriot Bank, N.A., providing a full spectrum of community banking solutions. Its services cater to individuals, small and medium-sized businesses, and professionals. The bank offers a diverse range of deposit products, including standard checking accounts, interest-bearing negotiable order of withdrawal (NOW) accounts, money market accounts, savings accounts, and prepaid deposit accounts. Specialized options like online national money market accounts, individual retirement accounts (IRAs), and health savings accounts (HSAs) are also available, alongside certificate of deposit account registry service (CDARS). In terms of lending, Patriot National Bancorp's portfolio comprises commercial real estate loans, business loans (including Small Business Administration-backed options), construction financing, purchased residential real estate mortgages, and various consumer loan products. Beyond core banking, the company facilitates automated clearing house (ACH) transfers, lockbox services, comprehensive internet banking with bill payment capabilities, remote deposit capture, debit cards, money orders, traveler's checks, and automated teller machine (ATM) access. The company operates nine physical branches: eight are located across Fairfield and New Haven Counties in Connecticut, with an additional branch in Westchester County, New York. Founded in 1994, Patriot National Bancorp, Inc. is headquartered in Stamford, Connecticut.
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