PNBK
Neutral signalScored 2026-09-12 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
Patriot National Bancorp, Inc.
- Nom
- Patriot National Bancorp, Inc.
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NASDAQ
- Capitalisation
- $97.4M
- Employés
- 107
- PDG
- Steven Alan Sugarman
- Site web
- https://bankpatriot.com
- Marché
- AFBIBSBKEBMTLSBKMGYRRMBI
Patriot National Bancorp, Inc. functions as the parent company for Patriot Bank, N.A., providing a full spectrum of community banking solutions. Its services cater to individuals, small and medium-sized businesses, and professionals. The bank offers a diverse range of deposit products, including standard checking accounts, interest-bearing negotiable order of withdrawal (NOW) accounts, money market accounts, savings accounts, and prepaid deposit accounts. Specialized options like online national money market accounts, individual retirement accounts (IRAs), and health savings accounts (HSAs) are also available, alongside certificate of deposit account registry service (CDARS). In terms of lending, Patriot National Bancorp's portfolio comprises commercial real estate loans, business loans (including Small Business Administration-backed options), construction financing, purchased residential real estate mortgages, and various consumer loan products. Beyond core banking, the company facilitates automated clearing house (ACH) transfers, lockbox services, comprehensive internet banking with bill payment capabilities, remote deposit capture, debit cards, money orders, traveler's checks, and automated teller machine (ATM) access. The company operates nine physical branches: eight are located across Fairfield and New Haven Counties in Connecticut, with an additional branch in Westchester County, New York. Founded in 1994, Patriot National Bancorp, Inc. is headquartered in Stamford, Connecticut.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
ACHAT TOTAL: 63 000 titres (~60 480,00 $ US)
- Insiders
- De Tomasi Mario
- Total bought
-
$60,480
Avg buy (VWAP, 90d window) $0.96 vs last close —
- Total sold
-
—
Avg sell (VWAP, 90d window) —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-09-08
- Last synced
-
2026-09-14 09:51:34
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-08 | De Tomasi Mario | Buy · P | 63,000 | $0.96 | $60,480 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-09-12 Drivers: fundamentals. Moteurs : fondamentaux.
Despite a meaningful catalyst signal — insider cluster buying following OCC regulatory relief and geographic expansion — the underlying financial health of PNBK is critically weak, with a current ratio of 0.44…
The first sentence of the analysis written for PNBK on 2026-09-12 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Supports a bullish reading. Open-market purchases outweigh sales
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Pulls against a bullish reading. Current ratio 0.44 · operating margin -22%
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 48.0% | 26.1% | 41.4% | 73.3% | 82.0% | |
| Ebit Margin | -21.8% | -26.6% | -8.7% | 16.4% | 13.7% | |
| Ebitda Margin | -19.7% | -24.3% | -6.6% | 19.5% | 18.1% | |
| Operating Profit Margin | -21.8% | -26.6% | -8.7% | 16.4% | 13.7% | |
| Pretax Profit Margin | -21.8% | -26.6% | -8.7% | 16.4% | 13.7% | |
| Continuous Operations Profit Margin | -21.9% | -65.9% | -6.5% | 13.0% | 13.9% | |
| Net Profit Margin | -21.9% | -65.9% | -6.5% | 13.0% | 13.9% | |
| Bottom Line Profit Margin | -21.9% | -65.9% | -6.5% | 13.0% | 13.9% | |
| Current Ratio | 0.437 | 0.179 | 0.096 | 0.150 | 0.194 | |
| Quick Ratio | 0.437 | 0.179 | 0.096 | 0.150 | 0.194 | |
| Solvency Ratio | -0.012 | -0.038 | -0.003 | 0.008 | 0.008 | |
| Cash Ratio | 0.193 | 0.153 | 0.062 | 0.044 | 0.062 | |
| Price To Earnings Ratio | -11.375 | -0.194 | -3.648 | 6.795 | 12.054 | |
| Price To Earnings Growth Ratio | 0.116 | -0.000 | 0.022 | 0.325 | -0.052 | |
| Forward Price To Earnings Growth Ratio | 0.116 | -0.000 | 0.022 | 0.325 | -0.052 | |
| Price To Earnings Diluted Ratio | -11.375 | -0.194 | -3.648 | 6.795 | 12.054 | |
| Price To Earnings Diluted Growth Ratio | 0.116 | -0.000 | 0.022 | 0.325 | -0.052 | |
| Price To Book Ratio | 1.502 | 1.812 | 0.342 | 0.703 | 0.911 | |
| Price To Sales Ratio | 2.445 | 0.128 | 0.235 | 0.884 | 1.675 | |
| Price To Free Cash Flow Ratio | -9.914 | 2.941 | -1.365 | 6.322 | 8.564 | |
| Price To Operating Cash Flow Ratio | -10.034 | 2.881 | -1.417 | 5.950 | 8.079 | |
| Debt To Assets Ratio | 0.015 | 0.033 | 0.184 | 0.110 | 0.127 | |
| Debt To Equity Ratio | 0.174 | 7.753 | 4.531 | 1.933 | 1.793 | |
| Debt To Capital Ratio | 0.148 | 0.886 | 0.819 | 0.659 | 0.642 | |
| Long Term Debt To Capital Ratio | 0.148 | 0.886 | 0.819 | 0.659 | 0.642 | |
| Financial Leverage Ratio | 11.490 | 237.349 | 24.636 | 17.511 | 14.084 | |
| Working Capital Turnover Ratio | -0.087 | -0.078 | -0.086 | -0.070 | -0.060 | |
| Operating Cash Flow Ratio | -0.015 | 0.003 | -0.013 | 0.008 | 0.010 | |
| Operating Cash Flow Sales Ratio | -0.244 | 0.044 | -0.166 | 0.148 | 0.207 | |
| Free Cash Flow Operating Cash Flow Ratio | 1.012 | 0.980 | 1.038 | 0.941 | 0.943 | |
| Debt Service Coverage Ratio | -0.401 | -1.193 | -0.093 | 0.710 | 0.949 | |
| Interest Coverage Ratio | -0.440 | -0.499 | -0.185 | 0.721 | 0.707 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | -0.862 | 0.081 | -0.053 | 0.061 | 0.063 | |
| Capital Expenditure Coverage Ratio | -82.384 | 48.782 | -26.007 | 16.995 | 17.665 | |
| Dividend Paid And Capex Coverage Ratio | -82.384 | 48.782 | -26.007 | 16.995 | 17.665 | |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Enterprise Value Multiple | 2.422 | 7.242 | -38.265 | 12.850 | 20.313 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 48.0% | ▲21.9% | ▼-6.2% |
| Ebit Margin | -21.8% | ▲4.8% | ▼-16.4% |
| Ebitda Margin | -19.7% | ▲4.6% | ▼-17.1% |
| Operating Profit Margin | -21.8% | ▲4.8% | ▼-16.4% |
| Pretax Profit Margin | -21.8% | ▲4.8% | ▼-16.4% |
| Continuous Operations Profit Margin | -21.9% | ▲44.0% | ▼-8.4% |
| Net Profit Margin | -21.9% | ▲44.0% | ▼-8.4% |
| Bottom Line Profit Margin | -21.9% | ▲44.0% | ▼-8.4% |
| Current Ratio | 0.436 | ▲0.258 | ▲0.226 |
| Quick Ratio | 0.436 | ▲0.258 | ▲0.226 |
| Solvency Ratio | -0.012 | ▲0.027 | ▼-0.004 |
| Cash Ratio | 0.193 | ▲0.040 | ▲0.090 |
| Price To Earnings Ratio | -11.375 | ▼-11.181 | ▼-12.101 |
| Price To Earnings Growth Ratio | 0.116 | ▲0.116 | ▲0.034 |
| Forward Price To Earnings Growth Ratio | 0.116 | ▲0.116 | ▲0.034 |
| Price To Earnings Diluted Ratio | -11.375 | ▼-11.181 | ▼-12.101 |
| Price To Earnings Diluted Growth Ratio | 0.116 | ▲0.116 | ▲0.034 |
| Price To Book Ratio | 1.502 | ▼-0.310 | ▲0.448 |
| Price To Sales Ratio | 2.445 | ▲2.317 | ▲1.372 |
| Price To Free Cash Flow Ratio | -9.914 | ▼-12.855 | ▼-11.223 |
| Price To Operating Cash Flow Ratio | -10.034 | ▼-12.915 | ▼-11.126 |
| Debt To Assets Ratio | 0.015 | ▼-0.018 | ▼-0.079 |
| Debt To Equity Ratio | 0.174 | ▼-7.580 | ▼-3.063 |
| Debt To Capital Ratio | 0.148 | ▼-0.738 | ▼-0.483 |
| Long Term Debt To Capital Ratio | 0.148 | ▼-0.738 | ▼-0.483 |
| Financial Leverage Ratio | 11.490 | ▼-225.859 | ▼-49.524 |
| Working Capital Turnover Ratio | -0.087 | ▼-0.009 | ▼-0.011 |
| Operating Cash Flow Ratio | -0.015 | ▼-0.017 | ▼-0.013 |
| Operating Cash Flow Sales Ratio | -0.244 | ▼-0.288 | ▼-0.242 |
| Free Cash Flow Operating Cash Flow Ratio | 1.012 | ▲0.033 | ▲0.029 |
| Debt Service Coverage Ratio | -0.401 | ▲0.792 | ▼-0.395 |
| Interest Coverage Ratio | -0.440 | ▲0.058 | ▼-0.501 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | -0.862 | ▼-0.943 | ▼-0.720 |
| Capital Expenditure Coverage Ratio | -82.384 | ▼-131.166 | ▼-77.394 |
| Dividend Paid And Capex Coverage Ratio | -82.384 | ▼-131.166 | ▼-77.394 |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 |
| Enterprise Value Multiple | 2.422 | ▼-4.821 | ▲1.509 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $142.2M | $7.7M | $15.2M | $41.9M | $61.4M | |
| Enterprise value | -$27.8M | -$106.8M | $163.8M | $118.6M | $135.0M | |
| EV / Sales | -0.48x | -1.76x | 2.53x | 2.50x | 3.69x | |
| EV / Op. cash flow | 1.96x | -39.80x | -15.29x | 16.85x | 17.78x | |
| EV / Free cash flow | 1.94x | -40.63x | -14.72x | 17.90x | 18.84x | |
| EV / EBITDA | 2.42x | 7.24x | -38.27x | 12.85x | 20.31x | |
| Net debt / EBITDA | 14.82x | 7.77x | -34.72x | 8.31x | 11.08x | |
| Current ratio | 0.44x | 0.18x | 0.10x | 0.15x | 0.19x | |
| Income quality | 1.11x | -0.07x | 2.56x | 1.14x | 1.49x | |
| Graham number | — | — | — | $23 | $22 | |
| Graham net-net | -$8 | -$210 | -$245 | -$217 | -$186 | |
| Tax burden | 100.5% | 247.8% | 74.2% | 79.4% | 101.6% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$544.2M | -$793.7M | -$759.9M | -$737.4M | -$612.1M | |
| Invested capital | -$516.0M | -$764.7M | -$729.8M | -$705.4M | -$579.2M | |
| Return on assets | -1.2% | -3.9% | -0.4% | 0.6% | 0.5% | |
| Operating ROA | -1.2% | -1.5% | -0.5% | 0.8% | 0.5% | |
| Return on tangible assets | -1.2% | -3.9% | -0.4% | 0.6% | 0.5% | |
| Return on equity | -13.4% | -935.1% | -9.4% | 10.3% | 7.6% | |
| Return on invested capital | -10.4% | -35.2% | -1.7% | 3.5% | 2.7% | |
| Return on capital employed | -10.4% | -35.2% | -2.2% | 4.4% | 2.7% | |
| Earnings yield | -8.9% | -516.0% | -27.5% | 14.7% | 8.3% | |
| Free cash flow yield | -10.1% | 34.0% | -73.3% | 15.8% | 11.7% | |
| Capex / Op. cash flow | -1.2% | 2.0% | -3.8% | 5.9% | 5.7% | |
| Capex / Depreciation | 14.5% | 4.1% | 30.5% | 28.2% | 26.3% | |
| Capex / Sales | 0.3% | 0.1% | 0.6% | 0.9% | 1.2% | |
| SG&A / Sales | 39.5% | 30.7% | 28.0% | 33.8% | 31.7% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 9.0% | 0.3% | 0.2% | 0.2% | 0.4% | |
| Intangibles / Total assets | 0.0% | 0.0% | 0.0% | 0.1% | 0.1% | |
| Days sales outstanding | 31d | 33d | 41d | 56d | 58d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 31d | 33d | 41d | 56d | 58d | |
| Cash conversion cycle | 31d | 33d | 41d | 56d | 58d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-07-01 Patriot Bank''s Formal Agreement With the OCC Has Been Terminated STAMFORD, Conn., July 01, 2026 (GLOBE NEWSWIRE) -- Patriot Bank, N.A.
- 2026-06-29 Patriot Bank Opens Flagship California Location in Beverly Hills With Over $100 Million in Deposits BEVERLY HILLS, Calif., June 29, 2026 (GLOBE NEWSWIRE) -- Patriot Bank, N.A. (“Patriot Bank”), the wholly owned subsidiary of Patriot National Bancorp, Inc. (NASDAQ: PNBK), announced the opening of its flagship California location in Beverly Hills with more than $100 million in deposits from high-net-worth families, entrepreneurs, and business leaders throughout Southern California. This milestone marks a significant achievement for Patriot Bank.
- 2026-06-22 Patriot Bank Expands into Palm Beach and the South Florida Market PALM BEACH, Fla., June 22, 2026 (GLOBE NEWSWIRE) -- Patriot Bank, N.A.
- 2026-06-15 Patriot Bank Expands High Net Worth Banking Platform in Greenwich, CT DeWitt Hutchins appointed as Patriot Bank''s Connecticut Market President servicing the needs of high-net-worth families and their advisors Sophia Salinas and Robert Black join Patriot Bank''s Greenwich team, further expanding the Bank''s relationship-driven banking capabilities for high-net-worth clients and their advisors Patriot Bank announces significant investment in and commitment to Greenwich, Connecticut including significant upgrades to the Mason Street branch. GREENWICH, Conn.