Patriot National Bancorp, Inc. (PNBK) AI Stock Analysis

Patriot National Bancorp, Inc. operates as the holding company for Patriot Bank, N.A., delivering community banking services to consumers, professionals, and small to medium-sized businesses. The bank offers a variety of deposit products, including checking, savings, money market, retirement, health savings, certificates of deposit, and prepaid deposits. Its lending activities include commercial real estate loans, commercial business loans, small business administration loans, construction financing, residential mortgages, and consumer loans. Headquartered in Stamford, Connecticut, the company maintains eight branch offices across Fairfield and New Haven Counties in Connecticut, along with one branch office in Westchester County, New York.

Patriot National Bancorp grew revenue from $36.6M in FY2021 to $64.7M in FY2023 before experiencing declines to $60.6M in FY2024 and $58.2M in FY2025. Between FY2020 and FY2025, revenue expanded at a 5-year compound annual growth rate of 7.9%. However, profitability deteriorated as net income fell from $6.2M in FY2022 to -$4.2M in FY2023, -$39.9M in FY2024, and -$12.7M in FY2025. For the trailing twelve months, revenue was $39.4M with a profit margin of -16.6%. In the quarter ended June 30, 2026, quarterly revenue grew 144.0% year-over-year, while quarterly earnings declined 48.0%.

As of June 30, 2026, Patriot National Bancorp held $242.9M in cash and short-term investments against $16.5M in total debt, yielding a net cash position of $226.4M. Shareholders' equity stood at $88.9M out of $1.32B in total assets, resulting in a debt-to-equity ratio of 0.19 and a current ratio of 0.94. Free cash flow was negative at -$14.3M in FY2025, compared to operating cash flow of -$14.2M and capital expenditures of $172,000. Over five years, the company expanded its share count by 2875.7%.

Trading at $0.83 on October 16, 2026, Patriot National Bancorp has a market capitalization of $104.7M and an enterprise value of -$1.8M. The stock trades at a forward price-to-earnings multiple of 23.8x, compared to 10.8x for the median of its US-listed Financial Services peers. Its price-to-sales multiple is 2.7x, below the peer median of 3.2x, while its price-to-book stands at 1.3x. Over the past year, the stock declined 31.4%, trailing the S&P 500 return of 16.8%, and its 5-year return fell 91.5% against an 83.0% gain for the index.

Analysts have established a mean price target of $24.00 for Patriot National Bancorp, which represents a 2791.6% premium over the last close of $0.83. Over the last four quarters, the bank exceeded earnings per share consensus estimates 1 time. The company is scheduled to report its next financial results on November 13, 2026.

This page is an AI-written research summary of Patriot National Bancorp, Inc. (PNBK). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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