Symbols / PNBK
PNBK Chart
About
Patriot National Bancorp, Inc. operates as the holding company for Patriot Bank, N.A. that provides community banking services to individuals, small and medium-sized businesses, and professionals. The company accepts consumer and commercial deposit accounts, such as checking, interest-bearing negotiable order of withdrawal, money market, time certificates of deposit, savings, prepaid deposit, online national money market, individual retirement accounts, and health savings accounts, as well as certificate of deposit account registry service. Its loan portfolio comprises commercial real estate, commercial business, small business administration, construction, purchased residential real estate, and various consumer loans. The company also offers automated clearing house transfers, lockbox, internet banking, bill payment, remote deposit capture, debit card, money order, traveler's check, and automatic teller machine services. It operates in New York; Connecticut; New Jersey; and internationally. The company was founded in 1994 and is headquartered in Stamford, Connecticut.
Fundamentals
Scroll to Statements| Sector | Financial Services | Industry | Banks - Regional | Market Cap | 150.64M |
| Enterprise Value | -15.07M | Income | -19.98M | Sales | 17.20M |
| Book/sh | 0.83 | Cash/sh | 1.57 | Dividend Yield | — |
| Payout | 0.00% | Employees | 129 | IPO | — |
| P/E | — | Forward P/E | 1.30 | PEG | — |
| P/S | 8.76 | P/B | 1.59 | P/C | — |
| EV/EBITDA | — | EV/Sales | -0.88 | Quick Ratio | — |
| Current Ratio | — | Debt/Eq | — | LT Debt/Eq | — |
| EPS (ttm) | -2.56 | EPS next Y | 1.01 | EPS Growth | — |
| Revenue Growth | 25.60% | Earnings | 2026-03-31 | ROA | -2.08% |
| ROE | -35.87% | ROIC | — | Gross Margin | 0.00% |
| Oper. Margin | -26.90% | Profit Margin | -116.18% | Shs Outstand | 107.72M |
| Shs Float | 75.79M | Short Float | 2.32% | Short Ratio | 13.94 |
| Short Interest | — | 52W High | 7.47 | 52W Low | 0.90 |
| Beta | -0.71 | Avg Volume | 261.69K | Volume | 113.86K |
| Target Price | — | Recom | None | Prev Close | $1.30 |
| Price | $1.31 | Change | 0.77% |
Valuation Models
Price estimates from analyst targets and simple models.
1. Analyst consensus
—
Mean price target
2. Current target
$1.31
Latest analyst target
3. DCF / Fair value
—
Simplified FCF or EPS-based estimate
Ratings
Current target
$1.31
Low
—
High
—
Mean
—
- Patriot National Bancorp (NASDAQ:PNBK) Share Price Crosses Below 200-Day Moving Average - What's Next? - MarketBeat ue, 24 Feb 2026 09
- Shareholders in Patriot National Bancorp (NASDAQ:PNBK) have lost 87%, as stock drops 12% this past week - simplywall.st Wed, 11 Feb 2026 08
- Recapitalization And New Leadership Aim To Save Patriot National Bancorp (NASDAQ:PNBK) - Seeking Alpha Wed, 10 Sep 2025 07
- Would You Still Hold Patriot National Bancorp Stock If It Fell 30%? - Trefis Sun, 21 Dec 2025 08
- PNBK Stock Price and Chart — NASDAQ:PNBK - TradingView Wed, 14 May 2025 07
- Will PNBK stock benefit from upcoming earnings reports - Quarterly Profit Review & Safe Capital Investment Plans - mfd.ru Sat, 21 Feb 2026 00
- Patriot National Bancorp (NASDAQ:PNBK) Stock Passes Below 200 Day Moving Average - What's Next? - MarketBeat ue, 10 Feb 2026 08
- Patriot National Bancorp, Inc. Completes Successful Registered Direct Offering Raising Over $10 Million - Nasdaq hu, 05 Jun 2025 07
- Patriot National Bancorp details transformative 2025 restructuring progress - TipRanks Wed, 31 Dec 2025 08
- Patriot National Bancorp Announces Completion of $10M Registered Direct Offering - Yahoo Finance hu, 05 Jun 2025 07
- Patriot National Bancorp’s president Steven Sugarman buys $5.26m in stock - Investing.com ue, 01 Apr 2025 07
- Patriot National Bancorp: Sharply Overvalued Following Recent Equity Recapitalization - Seeking Alpha Mon, 05 May 2025 07
- Retail investors who hold 55% of Patriot National Bancorp, Inc. (NASDAQ:PNBK) gained 16%, insiders profited as well - simplywall.st hu, 07 Aug 2025 07
- Will PNBK stock outperform growth indexes - Market Movement Recap & Community Trade Idea Sharing - mfd.ru Sat, 14 Feb 2026 16
- Patriot National Bancorp Inc. (NASDAQ:PNBK) Short Interest Update - MarketBeat Mon, 16 Feb 2026 16
Insider Transactions
| Date | Shares | Url | Text | Insider | Position | Transaction | Start Date | Ownership | Value |
|---|---|---|---|---|---|---|---|---|---|
| 0 | 2000000 | — | — | SUGARMAN STEVEN | Chief Executive Officer | — | 2025-10-16 00:00:00 | I | nan |
| 1 | 552927 | — | Stock Award(Grant) at price 0.00 per share. | SUGARMAN STEVEN | President | — | 2025-08-13 00:00:00 | D | — |
| 2 | 1000000 | — | Stock Award(Grant) at price 0.00 per share. | SIMMONS WILLIAM PAUL | Officer | — | 2025-08-13 00:00:00 | D | — |
| 3 | 450000 | — | Stock Award(Grant) at price 0.00 per share. | MIRANDA ANGIE | Officer | — | 2025-08-07 00:00:00 | D | — |
| 4 | 1533333 | — | Conversion of Exercise of derivative security at price 1.47 per share. | SUGARMAN STEVEN | Chief Executive Officer | — | 2025-07-03 00:00:00 | I | 2254000.0 |
| 5 | 865990 | — | Purchase at price 6.71 per share. | CARRAZZA MICHAEL A | Chairman of the Board | — | 2025-05-13 00:00:00 | I | 5810793.0 |
| 6 | 7019978 | — | Purchase at price 1.06 per share. | SUGARMAN STEVEN | President | — | 2025-03-20 00:00:00 | I | 7441177.0 |
| 7 | 53125 | — | Stock Award(Grant) at price 0.00 per share. | FINN DAVID | Officer | — | 2024-08-19 00:00:00 | D | — |
| 8 | 3846 | — | Stock Award(Grant) at price 0.00 per share. | WEINBAUM MICHAEL J | Director | — | 2024-05-06 00:00:00 | D | — |
| 9 | 3846 | — | Stock Award(Grant) at price 0.00 per share. | VAN DEN BOL EMILE | Director | — | 2024-05-06 00:00:00 | D | — |
Financials
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| TaxEffectOfUnusualItems | 0.00 | -285.61K | 0.00 | 0.00 |
| TaxRateForCalcs | 0.21 | 0.26 | 0.21 | 0.02 |
| TotalUnusualItems | 0.00 | -1.11M | 0.00 | 0.00 |
| TotalUnusualItemsExcludingGoodwill | 0.00 | -1.11M | 0.00 | 0.00 |
| NetIncomeFromContinuingOperationNetMinorityInterest | -39.88M | -4.18M | 6.16M | 5.09M |
| ReconciledDepreciation | 1.35M | 1.35M | 1.47M | 1.64M |
| NetInterestIncome | 19.79M | 28.00M | 32.88M | 25.04M |
| InterestExpense | 32.28M | 30.46M | 10.75M | 7.09M |
| InterestIncome | 52.08M | 58.45M | 43.63M | 32.13M |
| NormalizedIncome | -39.88M | -3.36M | 6.16M | 5.09M |
| NetIncomeFromContinuingAndDiscontinuedOperation | -39.88M | -4.18M | 6.16M | 5.09M |
| DilutedAverageShares | 3.98M | 3.97M | 3.97M | 3.95M |
| BasicAverageShares | 3.98M | 3.97M | 3.95M | 3.95M |
| DilutedEPS | -10.03 | -1.05 | 1.55 | 1.29 |
| BasicEPS | -10.03 | -1.05 | 1.56 | 1.29 |
| DilutedNIAvailtoComStockholders | -39.88M | -4.18M | 6.16M | 5.09M |
| NetIncomeCommonStockholders | -39.88M | -4.18M | 6.16M | 5.09M |
| NetIncome | -39.88M | -4.18M | 6.16M | 5.09M |
| NetIncomeIncludingNoncontrollingInterests | -39.88M | -4.18M | 6.16M | 5.09M |
| NetIncomeContinuousOperations | -39.88M | -4.18M | 6.16M | 5.09M |
| TaxProvision | 23.79M | -1.45M | 1.60M | -81.00K |
| PretaxIncome | -16.10M | -5.63M | 7.76M | 5.01M |
| SpecialIncomeCharges | 0.00 | -1.11M | 0.00 | 0.00 |
| ImpairmentOfCapitalAssets | 0.00 | 1.11M | 0.00 | 0.00 |
| RestructuringAndMergernAcquisition | 133.00K | 1.88M | ||
| GainOnSaleOfSecurity | -334.00K | 24.00K | 0.00 | 76.00K |
| SellingGeneralAndAdministration | 18.57M | 18.14M | 16.01M | 11.60M |
| SellingAndMarketingExpense | 360.00K | 269.00K | 232.00K | 235.00K |
| GeneralAndAdministrativeExpense | 18.21M | 17.88M | 15.78M | 11.37M |
| OtherGandA | 1.45M | |||
| InsuranceAndClaims | 316.00K | 277.00K | 271.00K | 280.00K |
| SalariesAndWages | 17.90M | 17.60M | 15.51M | 11.09M |
| TotalRevenue | 28.27M | 34.25M | 36.63M | 29.55M |
| OperatingRevenue | 28.27M | 34.25M | 36.63M | 29.55M |
| OccupancyAndEquipment | 3.21M | 3.41M | 3.43M | 3.43M |
| ProfessionalExpenseAndContractServicesExpense | 3.70M | 3.37M | 2.66M | 3.15M |
| OtherNonInterestExpense | 6.43M | 6.42M | 4.89M | 6.85M |
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| TreasurySharesNumber | 73.74K | 73.74K | 73.74K | 73.74K |
| OrdinarySharesNumber | 3.99M | 3.98M | 3.97M | 3.96M |
| ShareIssued | 4.07M | 4.05M | 4.04M | 4.03M |
| NetDebt | 148.59M | 76.70M | 73.68M | |
| TotalDebt | 33.07M | 201.10M | 115.19M | 120.72M |
| TangibleBookValue | 4.11M | 44.18M | 58.23M | 65.94M |
| InvestedCapital | 37.33M | 245.49M | 174.78M | 188.06M |
| NetTangibleAssets | 4.11M | 44.18M | 58.23M | 65.94M |
| CommonStockEquity | 4.26M | 44.38M | 59.58M | 67.34M |
| TotalCapitalization | 37.33M | 245.49M | 174.78M | 188.06M |
| TotalEquityGrossMinorityInterest | 4.26M | 44.38M | 59.58M | 67.34M |
| StockholdersEquity | 4.26M | 44.38M | 59.58M | 67.34M |
| GainsLossesNotAffectingRetainedEarnings | -15.68M | -15.26M | -15.64M | -1.64M |
| OtherEquityAdjustments | -15.68M | -15.26M | -15.64M | -1.64M |
| RetainedEarnings | -86.91M | -47.03M | -31.34M | -37.50M |
| CapitalStock | 106.85M | 106.67M | 106.56M | 106.48M |
| CommonStock | 106.85M | 106.67M | 106.56M | 106.48M |
| PreferredStock | 0.00 | 0.00 | 0.00 | 0.00 |
| TotalLiabilitiesNetMinorityInterest | 1.01B | 1.05B | 983.78M | 881.14M |
| LongTermDebtAndCapitalLeaseObligation | 33.07M | 201.10M | 115.19M | 120.72M |
| LongTermDebt | 33.07M | 201.10M | 115.19M | 120.72M |
| PayablesAndAccruedExpenses | 7.25M | 10.75M | ||
| CurrentAccruedExpenses | 7.25M | 10.75M | ||
| TotalAssets | 1.01B | 1.09B | 1.04B | 948.48M |
| InvestmentsAndAdvances | 24.24M | 25.14M | 88.97M | 98.79M |
| AvailableForSaleSecurities | 4.45M | 4.45M | 4.45M | 4.45M |
| GoodwillAndOtherIntangibleAssets | 156.00K | 203.00K | 1.36M | 1.40M |
| OtherIntangibleAssets | 156.00K | 203.00K | 249.00K | 296.00K |
| Goodwill | 0.00 | 1.11M | 1.11M | |
| NetPPE | 28.86M | 29.88M | 30.64M | 31.50M |
| AccumulatedDepreciation | -19.21M | -18.16M | -17.02M | -15.75M |
| GrossPPE | 48.07M | 48.04M | 47.67M | 47.25M |
| Leases | 3.10M | 3.08M | 3.06M | 3.06M |
| ConstructionInProgress | 0.00 | 65.00K | 69.00K | 65.00K |
| MachineryFurnitureEquipment | 13.11M | 13.03M | 12.67M | 12.26M |
| BuildingsAndImprovements | 19.05M | 19.05M | 19.05M | 19.05M |
| LandAndImprovements | 12.82M | 12.82M | 12.82M | 12.82M |
| Receivables | 5.49M | 7.22M | 7.27M | 5.82M |
| AccountsReceivable | 5.49M | 7.22M | 7.27M | 5.82M |
| OtherShortTermInvestments | 19.79M | 20.69M | 84.52M | 94.34M |
| CashAndCashEquivalents | 147.57M | 52.52M | 38.49M | 47.05M |
| CashCashEquivalentsAndFederalFundsSold | 162.61M | 66.54M | 38.49M | 47.05M |
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| FreeCashFlow | 2.63M | -11.13M | 6.62M | 7.17M |
| RepaymentOfDebt | -210.21M | -215.71M | -57.21M | -203.00K |
| IssuanceOfDebt | 42.00M | 301.50M | 52.00M | 0.00 |
| CapitalExpenditure | -55.00K | -412.00K | -414.00K | -430.00K |
| InterestPaidSupplementalData | 31.92M | 29.63M | 10.47M | 7.21M |
| IncomeTaxPaidSupplementalData | 66.00K | 3.54M | 102.00K | 140.00K |
| EndCashPosition | 162.61M | 66.54M | 38.49M | 47.05M |
| BeginningCashPosition | 66.54M | 38.49M | 47.05M | 34.64M |
| ChangesInCash | 96.07M | 28.04M | -8.55M | 12.41M |
| FinancingCashFlow | -41.62M | 65.93M | 106.46M | 60.02M |
| CashFlowFromContinuingFinancingActivities | -41.62M | 65.93M | 106.46M | 60.02M |
| NetOtherFinancingCharges | 308.00K | 278.00K | -215.00K | -2.69M |
| CashDividendsPaid | 0.00 | |||
| CommonStockDividendPaid | 0.00 | |||
| NetIssuancePaymentsOfDebt | -168.21M | 85.79M | -5.21M | -203.00K |
| NetLongTermDebtIssuance | -168.21M | 85.79M | -5.21M | -203.00K |
| LongTermDebtPayments | -210.21M | -215.71M | -57.21M | -203.00K |
| LongTermDebtIssuance | 42.00M | 301.50M | 52.00M | 0.00 |
| InvestingCashFlow | 135.01M | -27.18M | -122.05M | -55.20M |
| CashFlowFromContinuingInvestingActivities | 135.01M | -27.18M | -122.05M | -55.20M |
| NetOtherInvestingChanges | 4.14M | 209.00K | 526.00K | 2.17M |
| NetInvestmentPurchaseAndSale | 9.63M | -4.31M | -9.01M | -46.78M |
| SaleOfInvestment | 11.95M | 6.10M | 10.32M | 89.36M |
| PurchaseOfInvestment | -2.32M | -10.41M | -19.33M | -136.13M |
| NetPPEPurchaseAndSale | -42.00K | -412.00K | -414.00K | 1.03M |
| SaleOfPPE | 13.00K | 0.00 | 0.00 | 1.46M |
| PurchaseOfPPE | -55.00K | -412.00K | -414.00K | -430.00K |
| OperatingCashFlow | 2.68M | -10.71M | 7.04M | 7.60M |
| CashFlowFromContinuingOperatingActivities | 2.68M | -10.71M | 7.04M | 7.60M |
| ChangeInWorkingCapital | 505.00K | 1.30M | -4.41M | 1.83M |
| ChangeInOtherCurrentAssets | -1.12M | 1.75M | -879.00K | -2.12M |
| ChangeInPayablesAndAccruedExpense | -103.00K | -500.00K | -2.08M | 3.16M |
| ChangeInAccruedExpense | -103.00K | -500.00K | -2.08M | 3.16M |
| ChangeInReceivables | 1.73M | 48.00K | -1.45M | 798.00K |
| OtherNonCashItems | 4.50M | -15.21M | -857.00K | -196.00K |
| StockBasedCompensation | 184.00K | 105.00K | 86.00K | 150.00K |
| AssetImpairmentCharge | 0.00 | 1.11M | 0.00 | -2.00K |
| DeferredTax | 23.82M | -4.21M | 1.49M | -261.00K |
| DeferredIncomeTax | 23.82M | -4.21M | 1.49M | -261.00K |
| DepreciationAmortizationDepletion | 1.35M | 1.35M | 1.47M | 1.64M |
| DepreciationAndAmortization | 1.35M | 1.35M | 1.47M | 1.64M |
| AmortizationCashFlow | 276.00K | 160.00K | 145.00K | 114.00K |
| AmortizationOfIntangibles | 276.00K | 160.00K | 145.00K | 114.00K |
| Depreciation | 1.08M | 1.19M | 1.32M | 1.52M |
| OperatingGainsLosses | -109.00K | -193.00K | -1.46M | -2.51M |
| GainLossOnInvestmentSecurities | 334.00K | -24.00K | 0.00 | -76.00K |
| GainLossOnSaleOfPPE | -3.00K | 0.00 | 0.00 | -550.00K |
| GainLossOnSaleOfBusiness | 0.00 | 0.00 | ||
| NetIncomeFromContinuingOperations | -39.88M | -4.18M | 6.16M | 5.09M |
SEC Filings
Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.
Public Trades for PNBK
| Date | User | Asset | Broker | Type | Position Size | Entry Price | Patterns |
|---|