P

    Patriot National Bancorp Inc (PNBK)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $1.06
    +0.03 (+2.91%)

    Market Cap: $122.30M

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

    Beat Rate
    31%(4/13)
    Avg Surprise
    -73.38%
    Streak
    3 Q
    PeriodReportedEst.SurpriseB/MYoY
    Jun 26
    		$-0.06N/AN/ABeat+71.3%
    Dec 25
    		$0.00$0.00N/ABeat+100.0%
    Sep 25
    		$-0.02$0.00N/AMiss+99.7%
    Jun 25
    		$-0.06$0.00N/AMiss+92.3%
    Mar 25
    		$-0.21N/AN/ABeat-177.9%
    Dec 24
    		$-2.39$0.00N/ABeat-1150.9%
    Sep 24
    		$-6.78N/AN/ABeat-613.0%
    Jun 24
    		$-0.77N/AN/ABeat-453.5%
    Mar 24
    		$-0.08N/AN/ABeat-461.2%
    Dec 23
    		$0.23$0.00N/ABeat-49.4%
    Sep 23
    		$-0.95N/AN/ABeat-262.0%
    Jun 23
    		$-0.14N/AN/ABeat-143.8%
    Mar 23
    		$-0.01$0.00N/AMiss-116.8%
    Dec 22
    		$0.45$0.00N/ABeat+462.5%
    Sep 22
    		$0.59N/AN/ABeat+633.5%
    Jun 22
    		$0.32N/AN/ABeat+300.0%
    Mar 22
    		$0.08N/AN/ABeat+122.9%
    Dec 21
    		$0.08N/AN/ABeat-63.1%
    Sep 21
    		$0.08N/AN/ABeat+500.0%
    Jun 21
    		$0.08N/AN/ABeat+125.0%
    Mar 21
    		$-0.35$-0.35+0.00%Beat-29.6%
    Dec 20
    		$0.22N/AN/ABeat+170.8%
    Sep 20
    		$-0.02$-0.02+0.00%Beat-300.0%
    Jun 20
    		$-0.32$-0.32+0.00%Beat+23.8%
    Mar 20
    		$-0.27$0.25-208.00%Miss-370.0%
    Dec 19
    		$0.08N/A-65.22%Miss-20.0%
    Sep 19
    		$0.01N/A-94.44%Miss-96.9%
    Jun 19
    		$-0.42$0.13-423.08%Miss-213.5%
    Mar 19
    		$0.10N/A-69.70%Miss-73.0%
    Dec 18
    		$0.10N/A-71.43%Miss-63.0%
    Sep 18
    		$0.32$0.35-8.57%Miss+23.1%
    Jun 18
    		$0.37$0.40-7.50%Miss+76.2%
    Mar 18
    		$0.37$0.33+12.12%Beat-15.9%
    Dec 17
    		$0.27$0.33-18.18%Miss+1.8%
    Sep 17
    		$0.26N/AN/ABeat+26.5%
    Jun 17
    		$0.21N/AN/ABeat-
    Mar 17
    		$0.44N/AN/ABeat-
    Dec 16
    		$0.27N/AN/ABeat-
    Sep 16
    		$0.21N/AN/ABeat-

    Dividends

    Dividend Metrics

    Yield0.00%
    Annual/Share$0.00
    Frequency4
    No dividend payments in the selected period.
    View PNBK's full dividend history

    Key Metrics

    Valuation
    P/E Ratio-3.04EV/EBITDAN/A
    Price/FCF-6.80xFCF Yield-14.70%
    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-0.66Avg Volume213.81K
    52-Week High$2.0052-Week Low$0.86

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$1.04
    SMA 20$1.09
    SMA 50$1.11
    SMA 200$1.29
    EMA 10$1.05
    EMA 20$1.08
    EMA 50$1.10
    EMA 200$1.25

    MACD

    Line: -0.02Signal: -0.02Hist: -0.00

    ADX

    ADX: 11.2+DI: 20.2-DI: 14.5

    Aroon & PSAR

    Aroon Up48.0
    Aroon Down100.0
    PSAR$1.14

    Bollinger Bands

    Upper Band$1.20
    Lower Band$0.98
    %B Position1965%(Upper)
    Band Width0.36

    RSI (14-Day)

    Neutral
    45.8

    Momentum Oscillators

    Stoch %K12.9
    Stoch %D10.2
    Williams %R-74.4
    ROC (10d)-1.9%
    Momentum-0.02
    CCI (20d)-57.3
    MFI (14d)35.9

    Volatility Measures

    ATR (14d)$0.06(5.6%)
    StdDev (20d)0.05
    Hist Vol35.4%(Moderate)

    Volume Flow

    VWAP$1.06
    OBV11.4M
    AD Line-12.7M
    CMF (20d)-0.375

    Volume Metrics

    Avg Vol (20d)215.9K
    Vol Ratio1.5x(High)
    VWMA (20d)$1.09

    Pivot Points

    R3$1.17
    R2$1.14
    R1$1.08
    Pivot Point$1.05
    S1$0.99
    S2$0.96
    S3$0.90

    Advanced Oscillators

    TSI-13.70
    Ultimate Osc33.8
    KST-70.16

    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

    Patriot National (NASDAQ: PNBK) posts Q2 2026 financial slides

    Patriot National Bancorp, Inc. (NASDAQ: PNBK) announced that it posted its Q2 2026 financial presentation on its Investor Relations website and furnished it as Exhibit 99.1 to a Form 8-K. This information is provided under Regulation FD, meaning it is furnished rather than filed, exempting it from certain liabilities and automatic incorporation into other securities filings. The company's CFO, Carlos P. Salas, signed the 8-K report.

    Stock Titan•8/17/26•
    Neutral

    Patriot National Bancorp (PNBK) Stock Profit Return Still Leaves Doubts

    Patriot National Bancorp (PNBK) returned to a small profit in Q2 2026 after a year of losses, with revenue increasing and Net Interest Margin improving. Despite this positive shift and improved regulatory standing, the stock price has barely moved, and lingering concerns about its loss history and fractional EPS suggest investors remain cautious. The article advises vigilance due to the fragile balance sheet and past risk management issues, despite the recent profit flicker.

    Sahm•8/15/26•
    Neutral

    PATRIOT NATIONAL BANCORP INC Q2 2026: Revenue $16.42M, Net income $0.14M, EPS $0— 10-Q Summary

    PATRIOT NATIONAL BANCORP INC (PNBK) reported improved second-quarter 2026 results, showing increased revenue and a return to net income compared to a loss in the previous year. This positive shift was primarily driven by substantial loan growth and stronger yields from securities. The company also saw significant business highlights including expanded loans, increased digital payments revenue, improved credit metrics, and the removal of its 'troubled condition' designation by the OCC.

    TradingView•8/14/26•
    Bullish

    Patriot National Bancorp (PNBK) Q3 2025 earnings summary

    Patriot National Bancorp (PNBK) reported a significant improvement in Q3 2025 with a net loss of $2.7 million, compared to a $27.0 million loss in Q3 2024. This improvement was supported by over $90 million raised from three major equity issuances in 2025, which strengthened capital ratios and liquidity despite a decline in total assets due to loan reductions. The company's strategy involves restricting loan growth and allowing paydowns to further strengthen capital, while new lending programs are expected to diversify revenue.

    Quartr•8/8/26•
    Somewhat-Bullish

    Patriot National Bancorp Inc (PNBK) Stock News Today

    This article provides current stock news for Patriot National Bancorp Inc (PNBK). It highlights the company's stock price, market capitalization, P/E ratio, and mentions that more news, earnings, and analyst ratings are expected soon. The page serves as a hub for financial information regarding PNBK.

    TradingKey•8/8/26•
    Neutral

    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, yield, and streaks.
    What is PNBK's market cap?
    Patriot National Bancorp Inc (PNBK) has a market capitalization of $122.30M with a current stock price of $1.06.

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