Symbols / PNBK $1.32 -1.49% Patriot National Bancorp, Inc.

Financial Services • Banks - Regional • United States • NGM
PNBK Chart
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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. Patriot National Bancorp, Inc. was founded in 1994 and is headquartered in Stamford, Connecticut.

Fundamentals
Scroll to Statements
Market Cap 154.55M Enterprise Value -11.85M Income -12.71M Sales 28.12M Book/sh 0.82 Cash/sh 1.59
Dividend Yield — Payout 0.00% Employees 107 IPO — P/E — Forward P/E 1.31
PEG — P/S 5.50 P/B 1.60 P/C — EV/EBITDA — EV/Sales -0.42
Quick Ratio — Current Ratio — Debt/Eq — LT Debt/Eq — EPS (ttm) -0.17 EPS next Y 1.01
EPS Growth — Revenue Growth — Earnings 2026-05-15 ROA -1.21% ROE -25.69% ROIC —
Gross Margin 0.00% Oper. Margin -19.37% Profit Margin -45.20% Shs Outstand 109.82M Shs Float 73.32M Short Float 3.19%
Short Ratio 6.00 Short Interest — 52W High 7.47 52W Low 0.90 Beta -0.66 Avg Volume 326.12K
Volume 124.49K Target Price — Recom None Prev Close $1.34 Price $1.32 Change -1.49%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$1.32
Latest analyst target
3. DCF / Fair value
—
Simplified FCF or EPS-based estimate
Ratings
Current target
$1.32
Low
—
High
—
Mean
—
News
RSS: Latest PNBK news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-25 SUGARMAN STEVEN Chief Executive Officer — 2,089,043 — —
2025-10-16 SUGARMAN STEVEN Chief Executive Officer — 2,000,000 — —
2025-08-13 SUGARMAN STEVEN President — 552,927 $0.00 $0
2025-08-13 SIMMONS WILLIAM PAUL Officer — 1,000,000 $0.00 $0
2025-08-07 MIRANDA ANGIE Officer — 450,000 $0.00 $0
2025-07-03 SUGARMAN STEVEN Chief Executive Officer — 1,533,333 $1.47 $2,254,000
2025-05-13 CARRAZZA MICHAEL A Chairman of the Board — 865,990 $6.71 $5,810,793
2025-03-20 SUGARMAN STEVEN President — 7,019,978 $1.06 $7,441,177
2024-08-19 FINN DAVID Officer — 53,125 $0.00 $0
2024-05-06 WEINBAUM MICHAEL J Director — 3,846 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
29.43
+4.09%
28.27
-17.44%
34.25
-6.51%
36.63
Operating Revenue
29.43
+4.09%
28.27
-17.44%
34.25
-6.51%
36.63
Selling General And Administration
23.00
+23.82%
18.57
+2.36%
18.14
+13.34%
16.01
Selling And Marketing Expense
0.29
-19.72%
0.36
+33.83%
0.27
+15.95%
0.23
General And Administrative Expense
22.71
+24.68%
18.21
+1.89%
17.88
+13.30%
15.78
Salaries And Wages
21.98
+22.81%
17.90
+1.69%
17.60
+13.49%
15.51
Other Gand A
—
—
—
—
Reconciled Depreciation
1.19
-12.41%
1.35
+0.07%
1.35
-7.96%
1.47
Total Unusual Items
0.00
0.00
+100.00%
-1.11
0.00
Total Unusual Items Excluding Goodwill
0.00
0.00
+100.00%
-1.11
0.00
Special Income Charges
0.00
0.00
+100.00%
-1.11
0.00
Impairment Of Capital Assets
0.00
0.00
-100.00%
1.11
0.00
Restructuring And Mergern Acquisition
—
—
—
0.13
Net Income
-12.71
+68.13%
-39.88
-854.34%
-4.18
-167.83%
6.16
Pretax Income
-12.65
+21.41%
-16.10
-185.76%
-5.63
-172.62%
7.76
Net Interest Income
18.95
-4.26%
19.79
-29.31%
28.00
-14.84%
32.88
Interest Expense
28.73
-11.01%
32.28
+6.00%
30.46
+183.24%
10.75
Interest Income
47.67
-8.45%
52.08
-10.91%
58.45
+33.98%
43.63
Gain On Sale Of Security
0.00
+100.00%
-0.33
-1491.67%
0.02
0.00
Tax Provision
0.06
-99.75%
23.79
+1735.83%
-1.45
-191.10%
1.60
Tax Rate For Calcs
0.00
+0.00%
0.00
-18.60%
0.00
+25.24%
0.00
Tax Effect Of Unusual Items
0.00
0.00
+100.00%
-0.29
0.00
Net Income Including Noncontrolling Interests
-12.71
+68.13%
-39.88
-854.34%
-4.18
-167.83%
6.16
Net Income From Continuing Operation Net Minority Interest
-12.71
+68.13%
-39.88
-854.34%
-4.18
-167.83%
6.16
Net Income From Continuing And Discontinued Operation
-12.71
+68.13%
-39.88
-854.34%
-4.18
-167.83%
6.16
Net Income Continuous Operations
-12.71
+68.13%
-39.88
-854.34%
-4.18
-167.83%
6.16
Normalized Income
-12.71
+68.13%
-39.88
-1087.81%
-3.36
-154.50%
6.16
Net Income Common Stockholders
-12.71
+68.13%
-39.88
-854.34%
-4.18
-167.83%
6.16
Diluted EPS
-0.17
+98.31%
-10.03
-855.24%
-1.05
-167.74%
1.55
Basic EPS
-0.17
+98.31%
-10.03
-855.24%
-1.05
-167.31%
1.56
Basic Average Shares
76.81
+1831.79%
3.98
+0.27%
3.97
+0.40%
3.95
Diluted Average Shares
76.81
+1831.79%
3.98
+0.27%
3.97
-0.24%
3.97
Diluted NI Availto Com Stockholders
-12.71
+68.13%
-39.88
-854.34%
-4.18
-167.83%
6.16
Insurance And Claims
0.73
+130.70%
0.32
+14.08%
0.28
+2.21%
0.27
Occupancy And Equipment
3.10
-3.49%
3.21
-5.92%
3.41
-0.53%
3.43
Other Non Interest Expense
10.17
+58.08%
6.43
+0.22%
6.42
+31.37%
4.89
Professional Expense And Contract Services Expense
4.31
+16.46%
3.70
+9.82%
3.37
+26.46%
2.66
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
1,087.84
+7.46%
1,012.29
-7.42%
1,093.42
+4.80%
1,043.36
Cash And Cash Equivalents
186.39
+26.31%
147.57
+180.99%
52.52
+36.43%
38.49
Other Short Term Investments
209.58
+958.90%
19.79
-4.33%
20.69
-75.52%
84.52
Receivables
4.87
-11.28%
5.49
-23.98%
7.22
-0.66%
7.27
Accounts Receivable
4.87
-11.28%
5.49
-23.98%
7.22
-0.66%
7.27
Net PPE
28.12
-2.59%
28.86
-3.38%
29.88
-2.50%
30.64
Gross PPE
48.27
+0.42%
48.07
+0.07%
48.04
+0.78%
47.67
Accumulated Depreciation
-20.16
-4.96%
-19.21
-5.74%
-18.16
-6.68%
-17.02
Land And Improvements
12.82
+0.00%
12.82
+0.00%
12.82
+0.00%
12.82
Buildings And Improvements
19.08
+0.16%
19.05
+0.00%
19.05
+0.00%
19.05
Machinery Furniture Equipment
13.18
+0.53%
13.11
+0.61%
13.03
+2.82%
12.67
Construction In Progress
0.10
0.00
-100.00%
0.07
-5.80%
0.07
Leases
3.10
+0.00%
3.10
+0.62%
3.08
+0.62%
3.06
Goodwill And Other Intangible Assets
0.11
-30.13%
0.16
-23.15%
0.20
-85.03%
1.36
Goodwill
—
—
0.00
-100.00%
1.11
Other Intangible Assets
0.11
-30.13%
0.16
-23.15%
0.20
-18.47%
0.25
Investments And Advances
209.58
+764.52%
24.24
-3.56%
25.14
-71.75%
88.97
Total Liabilities Net Minority Interest
993.16
-1.47%
1,008.03
-3.91%
1,049.04
+6.63%
983.78
Payables And Accrued Expenses
—
—
—
7.25
Current Accrued Expenses
—
—
—
7.25
Long Term Debt And Capital Lease Obligation
16.45
-50.27%
33.07
-83.56%
201.10
+74.58%
115.19
Long Term Debt
16.45
-50.27%
33.07
-83.56%
201.10
+74.58%
115.19
Stockholders Equity
94.68
+2119.93%
4.26
-90.39%
44.38
-25.51%
59.58
Common Stock Equity
94.68
+2119.93%
4.26
-90.39%
44.38
-25.51%
59.58
Capital Stock
1.15
+2707.32%
0.04
-99.96%
106.67
+0.10%
106.56
Common Stock
1.15
+2707.32%
0.04
-99.96%
106.67
+0.10%
106.56
Preferred Stock
—
0.00
0.00
0.00
Share Issued
115.07
+2730.35%
4.07
+0.39%
4.05
+0.27%
4.04
Ordinary Shares Number
115.00
+2780.78%
3.99
+0.40%
3.98
+0.27%
3.97
Treasury Shares Number
0.07
+0.00%
0.07
+0.00%
0.07
+0.00%
0.07
Additional Paid In Capital
206.45
+91.17%
107.99
—
—
Retained Earnings
-99.62
-14.63%
-86.91
-84.81%
-47.03
-50.07%
-31.34
Gains Losses Not Affecting Retained Earnings
-12.12
+22.72%
-15.68
-2.75%
-15.26
+2.45%
-15.64
Treasury Stock
1.18
+0.00%
1.18
—
—
Other Equity Adjustments
-12.12
+22.72%
-15.68
-2.75%
-15.26
+2.45%
-15.64
Total Equity Gross Minority Interest
94.68
+2119.93%
4.26
-90.39%
44.38
-25.51%
59.58
Total Capitalization
111.13
+197.66%
37.33
-84.79%
245.49
+40.46%
174.78
Invested Capital
111.13
+197.66%
37.33
-84.79%
245.49
+40.46%
174.78
Total Debt
16.45
-50.27%
33.07
-83.56%
201.10
+74.58%
115.19
Net Debt
—
—
148.59
+93.73%
76.70
Net Tangible Assets
94.57
+2201.56%
4.11
-90.70%
44.18
-24.12%
58.23
Tangible Book Value
94.57
+2201.56%
4.11
-90.70%
44.18
-24.12%
58.23
Available For Sale Securities
—
4.45
+0.00%
4.45
+0.00%
4.45
Cash Cash Equivalents And Federal Funds Sold
207.13
+27.38%
162.61
+144.39%
66.54
+72.85%
38.49
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
-14.17
-628.14%
2.68
+125.04%
-10.71
-252.29%
7.04
Cash Flow From Continuing Operating Activities
-14.17
-628.14%
2.68
+125.04%
-10.71
-252.29%
7.04
Net Income From Continuing Operations
-12.71
+68.13%
-39.88
-854.34%
-4.18
-167.83%
6.16
Depreciation Amortization Depletion
1.19
-12.41%
1.35
+0.07%
1.35
-7.96%
1.47
Depreciation
0.99
-8.53%
1.08
-9.64%
1.19
-9.96%
1.32
Amortization Cash Flow
0.20
-27.54%
0.28
+72.50%
0.16
+10.34%
0.14
Depreciation And Amortization
1.19
-12.41%
1.35
+0.07%
1.35
-7.96%
1.47
Amortization Of Intangibles
0.20
-27.54%
0.28
+72.50%
0.16
+10.34%
0.14
Other Non Cash Items
-12.59
-380.04%
4.50
+129.55%
-15.21
-1674.80%
-0.86
Stock Based Compensation
5.23
+2744.02%
0.18
+75.24%
0.10
+22.09%
0.09
Asset Impairment Charge
0.08
0.00
-100.00%
1.11
0.00
Deferred Tax
0.06
-99.75%
23.82
+665.76%
-4.21
-382.62%
1.49
Deferred Income Tax
0.06
-99.75%
23.82
+665.76%
-4.21
-382.62%
1.49
Operating Gains Losses
2.23
+2144.95%
-0.11
+43.52%
-0.19
+86.79%
-1.46
Gain Loss On Investment Securities
0.00
-100.00%
0.33
+1491.67%
-0.02
0.00
Gain Loss On Sale Of PPE
-0.00
+66.67%
-0.00
0.00
0.00
Change In Working Capital
1.35
+167.13%
0.51
-61.09%
1.30
+129.44%
-4.41
Change In Receivables
0.62
-64.24%
1.73
+3506.25%
0.05
+103.32%
-1.45
Change In Payables And Accrued Expense
-0.08
+24.27%
-0.10
+79.40%
-0.50
+76.02%
-2.08
Change In Accrued Expense
-0.08
+24.27%
-0.10
+79.40%
-0.50
+76.02%
-2.08
Change In Other Current Assets
0.81
+171.95%
-1.12
-164.17%
1.75
+299.09%
-0.88
Investing Cash Flow
-20.52
-115.20%
135.01
+596.80%
-27.18
+77.73%
-122.05
Cash Flow From Continuing Investing Activities
-20.52
-115.20%
135.01
+596.80%
-27.18
+77.73%
-122.05
Net PPE Purchase And Sale
-0.17
-307.14%
-0.04
+89.81%
-0.41
+0.48%
-0.41
Purchase Of PPE
-0.17
-212.73%
-0.06
+86.65%
-0.41
+0.48%
-0.41
Sale Of PPE
0.00
-92.31%
0.01
0.00
0.00
Capital Expenditure
-0.17
-212.73%
-0.06
+86.65%
-0.41
+0.48%
-0.41
Net Investment Purchase And Sale
-136.34
-1515.04%
9.63
+323.50%
-4.31
+52.14%
-9.01
Purchase Of Investment
-145.19
-6160.80%
-2.32
+77.73%
-10.41
+46.12%
-19.33
Sale Of Investment
8.85
-25.97%
11.95
+95.84%
6.10
-40.87%
10.32
Gain Loss On Sale Of Business
—
—
—
0.00
Net Other Investing Changes
1.28
-69.00%
4.14
+1878.95%
0.21
-60.27%
0.53
Financing Cash Flow
79.21
+290.32%
-41.62
-163.12%
65.93
-38.07%
106.46
Cash Flow From Continuing Financing Activities
79.21
+290.32%
-41.62
-163.12%
65.93
-38.07%
106.46
Net Issuance Payments Of Debt
-6.05
+96.41%
-168.21
-296.07%
85.79
+1747.93%
-5.21
Issuance Of Debt
70.00
+66.67%
42.00
-86.07%
301.50
+479.81%
52.00
Repayment Of Debt
-76.05
+63.82%
-210.21
+2.55%
-215.71
-277.07%
-57.21
Long Term Debt Issuance
70.00
+66.67%
42.00
-86.07%
301.50
+479.81%
52.00
Long Term Debt Payments
-76.05
+63.82%
-210.21
+2.55%
-215.71
-277.07%
-57.21
Net Long Term Debt Issuance
-6.05
+96.41%
-168.21
-296.07%
85.79
+1747.93%
-5.21
Net Common Stock Issuance
85.57
0.00
0.00
—
Common Stock Dividend Paid
—
—
—
—
Cash Dividends Paid
—
—
—
—
Net Other Financing Charges
-4.95
-1708.12%
0.31
+10.79%
0.28
+229.30%
-0.21
Changes In Cash
44.52
-53.66%
96.07
+242.60%
28.04
+427.91%
-8.55
Beginning Cash Position
162.61
+144.39%
66.54
+72.85%
38.49
-18.18%
47.05
End Cash Position
207.13
+27.38%
162.61
+144.39%
66.54
+72.85%
38.49
Free Cash Flow
-14.34
-645.74%
2.63
+123.62%
-11.13
-268.03%
6.62
Interest Paid Supplemental Data
29.32
-8.17%
31.92
+7.74%
29.63
+182.95%
10.47
Income Tax Paid Supplemental Data
—
0.07
-98.13%
3.54
+3366.67%
0.10
Common Stock Issuance
85.57
0.00
0.00
—
Issuance Of Capital Stock
91.02
0.00
0.00
—
Net Preferred Stock Issuance
5.45
0.00
0.00
—
Preferred Stock Issuance
5.45
0.00
0.00
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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