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    P

    Patriot National Bancorp Inc (PNBK)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $0.85
    -0.01 (-0.68%)

    Market Cap: $107.90M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    31%(4/13)
    Avg Surprise
    -73.38%
    Streak
    3 Q
    PeriodReportedEst.SurpriseB/MYoY
    Jun 26
    Reported Aug 13
    		$-0.06N/AN/ABeat+71.3%
    Dec 25
    Reported Mar 10
    		$0.00$0.00N/ABeat+100.0%
    Sep 25
    Reported Nov 14
    		$-0.02$0.00N/AMiss+99.7%
    Jun 25
    Reported Aug 14
    		$-0.06$0.00N/AMiss+92.3%
    Mar 25
    Reported Apr 15
    		$-0.21N/AN/ABeat-177.9%
    Dec 24
    Reported Mar 31
    		$-2.39$0.00N/ABeat-1150.9%
    Sep 24
    Reported Nov 19
    		$-6.78N/AN/ABeat-613.0%
    Jun 24
    Reported Aug 9
    		$-0.77N/AN/ABeat-453.5%
    Mar 24
    Reported Apr 1
    		$-0.08N/AN/ABeat-461.2%
    Dec 23
    Reported Feb 2
    		$0.23$0.00N/ABeat-49.4%
    Sep 23
    Reported Nov 14
    		$-0.95N/AN/ABeat-262.0%
    Jun 23
    Reported Aug 11
    		$-0.14N/AN/ABeat-143.8%
    Mar 23
    Reported May 12
    		$-0.01$0.00N/AMiss-116.8%
    Dec 22
    Reported Mar 7
    		$0.45$0.00N/ABeat+462.5%
    Sep 22
    Reported Nov 10
    		$0.59N/AN/ABeat+633.5%
    Jun 22
    Reported Aug 5
    		$0.32N/AN/ABeat+300.0%
    Mar 22
    Reported May 5
    		$0.08N/AN/ABeat+122.9%
    Dec 21
    Reported Mar 24
    		$0.08N/AN/ABeat-63.1%
    Sep 21
    Reported Oct 29
    		$0.08N/AN/ABeat+500.0%
    Jun 21
    Reported Jul 29
    		$0.08N/AN/ABeat+125.0%
    Mar 21
    Reported Apr 2
    		$-0.35$-0.35+0.00%Beat-29.6%
    Dec 20
    Reported Mar 31
    		$0.22N/AN/ABeat+170.8%
    Sep 20
    Reported Nov 13
    		$-0.02$-0.02+0.00%Beat-300.0%
    Jun 20
    Reported Aug 13
    		$-0.32$-0.32+0.00%Beat+23.8%
    Mar 20
    Reported Jun 8
    		$-0.27$0.25-208.00%Miss-370.0%
    Dec 19
    Reported Mar 24
    		$0.08N/A-65.22%Miss-20.0%
    Sep 19
    Reported Nov 13
    		$0.01N/A-94.44%Miss-96.9%
    Jun 19
    Reported Aug 23
    		$-0.42$0.13-423.08%Miss-213.5%
    Mar 19
    Reported May 24
    		$0.10N/A-69.70%Miss-73.0%
    Dec 18
    Reported Feb 26
    		$0.10N/A-71.43%Miss-63.0%
    Sep 18
    Reported Nov 15
    		$0.32$0.35-8.57%Miss+23.1%
    Jun 18
    Reported Aug 6
    		$0.37$0.40-7.50%Miss+76.2%
    Mar 18
    Reported May 4
    		$0.37$0.33+12.12%Beat-15.9%
    Dec 17
    Reported Mar 30
    		$0.27$0.33-18.18%Miss+1.8%
    Sep 17
    Reported Oct 31
    		$0.26N/AN/ABeat-
    Jun 17
    Reported Jul 31
    		$0.21N/AN/ABeat-
    Mar 17
    Reported May 9
    		$0.44N/AN/ABeat-
    Dec 16
    Reported Mar 21
    		$0.27N/AN/ABeat-

    Dividends

    Dividend Metrics

    Forward Yield0.00%
    Forward Annual Dividend$0.00
    FrequencyQuarterly
    No dividend payments in the selected period.

    Key Metrics

    Valuation
    P/E RatioN/AEV/EBITDAN/A
    Price/FCF-5.46xFCF Yield-18.32%
    Profitability
    Profit Margin-16.60%Operating Margin-6.78%
    ROE-8.44%ROIC-6.21%
    Financial Health
    Debt/Equity0.19xInterest Coverage-0.28x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta-0.61Avg Volume130.68K
    52-Week High$2.0052-Week Low$0.83

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$0.89
    SMA 20$0.92
    SMA 50$1.00
    SMA 200$1.21
    EMA 10$0.89
    EMA 20$0.92
    EMA 50$0.98
    EMA 200$1.18

    MACD

    Line: -0.04Signal: -0.04Hist: -0.00

    ADX

    ADX: 18.5+DI: 14.3-DI: 27.1

    Aroon & PSAR

    Aroon Up48.0
    Aroon Down96.0
    PSAR$0.96

    Bollinger Bands

    Upper Band$1.02
    Lower Band$0.83
    %B Position2042%(Upper)
    Band Width0.11

    RSI (14-Day)

    Neutral
    35.8

    Momentum Oscillators

    Stoch %K7.4
    Stoch %D10.7
    Williams %R-90.2
    ROC (10d)-9.1%
    Momentum-0.09
    CCI (20d)-129.9
    MFI (14d)26.5

    Volatility Measures

    ATR (14d)$0.05(5.8%)
    StdDev (20d)0.05
    Hist Vol52.7%(High)

    Volume Flow

    VWAP$0.87
    OBV-12.3M
    AD Line-19.3M
    CMF (20d)-0.353

    Volume Metrics

    Avg Vol (20d)125.0K
    Vol Ratio0.9x
    VWMA (20d)$0.92

    Pivot Points

    R3$0.94
    R2$0.91
    R1$0.88
    Pivot Point$0.86
    S1$0.83
    S2$0.80
    S3$0.78

    Advanced Oscillators

    TSI-24.51
    Ultimate Osc22.6
    KST-105.15

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$12.04M$10.32M$9.51M$7.22M$6.22M$6.68M$6.59M$7.11M$7.09M$7.65M$9.42M$7.69M
    Cost of RevenueN/A$7.47M$5.97M$6.10M$8.83M$9.33MN/A$8.84M$11.29M$9.26MN/A$13.23M
    Gross ProfitN/A$10.50M$9.76M$7.64M$4.68M$5.84MN/A$6.03M$3.94M$6.99MN/A$2.96M
    Operating Expenses$12.84M$12.24M$11.99M$10.31M$9.74M$8.72M$8.46M$8.40M$8.00M$7.23M$8.95M$8.11M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$-1,742,000$-2,162,000$-2,662,000$-5,050,000$-2,776,000N/A$-2,308,000$-4,005,000$-233,000N/A$-5,103,000
    Interest Income$16.41M$14.72M$12.26M$11.54M$11.49M$12.55M$12.33M$12.81M$13.22M$14.00M$14.93M$15.07M
    Interest Expense$7.46M$7.65M$6.30M$6.53M$7.31M$8.59M$7.68M$7.82M$8.19M$8.60M$8.68M$8.54M
    Income Before Tax$-1,384,000$-1,742,000$-2,162,000$-2,662,000$-5,050,000$-2,776,000$-9,551,000$-2,308,000$-4,005,000$-233,000$1.27M$-5,103,000
    Income Tax Expense$-1,527,000$13,000$112,000$-5,000$-49,000$1,000$-3,000$24.65M$-924,000$66,000$367,000$-1,333,000
    Net Income$143,000$-1,755,000$-2,275,000$-2,657,000$-5,001,000$-2,777,000$-9,548,000$-26,954,000$-3,081,000$-299,000$905,000$-3,770,000
    EBITDA$-2,600,000$-2,419,000$-2,115,000$-2,406,000$-4,778,000$-2,482,000$-9,269,000$-2,019,000$-3,662,000$241,000$1.86M$-4,335,000
    EBIT$-1,384,000$-1,742,000$-2,162,000$-2,662,000$-5,050,000$-2,776,000$-9,551,000$-2,308,000$-4,005,000$-233,000$1.27M$-5,103,000
    * Some calculated fields are derived from available data when not provided by source

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    News

    Form 4 Patriot National Bancorp Inc: Steven Sugarman (Director, President and CEO) For: 14 October

    This article reports on a Form 4 filing for Patriot National Bancorp Inc. The filing concerns Steven Sugarman, who holds the positions of Director, President, and CEO. The reported transaction date is October 14.

    Investing.com Canada•10/16/26•Neutral

    Patriot National Bancorp, Inc. announced that it has received $10 million in funding

    Patriot National Bancorp, Inc. announced that it successfully received $10 million in funding. The transaction closed on October 1, 2026...

    www.marketscreener.com•10/1/26•Bullish

    Form 424B5 Patriot National Bancorp Inc For: 25 September By Investing.com

    The article reports on the filing of Form 424B5 by Patriot National Bancorp Inc. for September 25th. It highlights the company's stock symbol PNBK and its recent price performance. The content is presented as a financial...

    Investing.com Nigeria•9/25/26•Neutral

    Patriot National Bancorp Announces $5.5 Million Registered Direct Offering with Warrants

    Patriot National Bancorp, Inc. (NASDAQ:PNBK) has announced a registered direct offering to raise approximately $5.5 million. The offering includes the sale of 4,782,608 shares of common stock at $1.15 per share...

    Kalkine Media•9/24/26•Somewhat-Bullish

    Form 8K Patriot National Bancorp Inc For: 24 September By Investing.com

    This article announces the filing of a Form 8K by Patriot National Bancorp Inc. on September 24. The brief piece primarily serves as a notification of this regulatory filing...

    Investing.com Nigeria•9/24/26•Neutral

    PNBK Valuation and Fair Value

    Forward P/E
    23.8x
    P/FCF
    -5.5x
    PEG
    0.0x
    P/B
    1.1x
    See GNG's fair value

    PNBK Profitability: Margins, ROIC and FCF

    Operating margin
    -6.8%
    Net margin
    -16.6%
    ROIC
    -6.2%
    ROE
    -8.4%
    FCF margin
    -47.3%
    FCF yield
    -18.3%

    PNBK Competitors

    CompanyTicker
    Quartzsea Acquisition CorporatiQSEA
    Melar Acquisition Corp. I Class A Ordinary SharesMACI
    Sound Financial Bancorp IncSFBC
    Pathfinder Bancorp IncPBHC
    Monroe Capital CorpMRCC
    ChampionsGate Acquisition Corporation Class A Ordinary ShareCHPG
    FG Merger II Corp. UnitFGMCU
    Spark I Acquisition Corp. Class A Ordinary ShareSPKL

    Sector: Financial Services

    PNBK Bull Case vs Bear Case

    Bull case

    • PNBK grew quarterly revenue 144.0% year over year.

    Bear case

    • PNBK has a -16.6% net profit margin.
    • PNBK beat EPS estimates in 25.0% of its last 8 reported quarters.

    PNBK Earnings: Beat Rate and Next Report

    Beat rate
    2 of 8 quarters (25.0%)
    Average surprise
    0.0%

    PNBK Dividend

    Forward yield
    0.0%

    Frequently Asked Questions About PNBK

    Does PNBK pay dividends?

    Patriot National Bancorp Inc (PNBK) has a dividend payment track record. See the PNBK dividend history page for its current payment status, TTM yield, and recorded payments.

    What is PNBK's market cap?

    Patriot National Bancorp Inc (PNBK) has a market capitalization of $107.90M with a current stock price of $0.85.

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