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PNBK

BEARISH
$1.34 Live
Patriot National Bancorp, Inc. · NASDAQ
$0.9 52W Range $7.47
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 17, 2026
Market cap
$156.89M
P/E
N/A
ROE
-25.7%
Profit margin
-45.2%
Debt/Equity
N/A
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
95%
PNBK exhibits severe financial distress, highlighted by a Piotroski F-Score of 0/9, indicating a total failure across all fundamental health benchmarks. The company suffers from deep negative profitability, with an ROE of -25.69% and a profit margin of -45.20%, coupled with a catastrophic 5-year price decline of 85.8%. While there is a recent spike in Q/Q revenue growth, the lack of earnings beats and the absence of analyst coverage suggest a high-risk profile with little fundamental support.

Key Strengths

Recent Q/Q revenue growth of 44.32%
Short-term price stabilization (6-month change +10.7%)
Low current share price providing a low entry barrier for speculators
Positive 1-week and 1-month price momentum
Small market cap allows for high volatility swings

Key Risks

Extreme financial weakness indicated by 0/9 Piotroski F-Score
Severe negative profitability (Profit Margin -45.20%)
Consistent failure to meet earnings estimates (0/4 beats in last 4 quarters)
Long-term value destruction with an 85.8% decline over 5 years
Lack of institutional interest and analyst coverage

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
11
Weak
Value
20
Future
30
Past
5
Health
0
Dividend
0
AI Verdict
Distressed Asset
Key drivers: Piotroski F-Score 0/9, Negative ROE/ROA, Long-term price collapse, Earnings misses
Confidence
90%
Value
20/100

P/B 1.63, P/E N/A

Positives
  • Low absolute share price
Watchpoints
  • Price/Book of 1.63 is high for a company with negative ROE
  • No Graham Number available due to negative earnings
Future
30/100

Ref Growth rates

Positives
  • Strong Q/Q revenue growth (44.32%)
Watchpoints
  • Year-over-Year EPS growth is -73.0%
  • Average earnings surprise is -50.31%
Past
5/100

Ref Historical trends

Positives
No standout positives identified.
Watchpoints
  • 5Y Change: -85.8%
  • 3Y Change: -85.9%
Health
0/100

Ref Piotroski F-Score

Positives
No standout positives identified.
Watchpoints
  • Piotroski F-Score 0/9
  • Negative Operating Margin
Dividend
0/100

Ref Yield, Payout

Positives
No standout positives identified.
Watchpoints
  • No dividend paid
  • 0/100 Dividend Strength

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$1.34

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for PNBK and closest competitors.

Updated 2026-04-16
PNB
Patriot National Bancorp, Inc.
Primary
5Y
-85.8%
3Y
-85.9%
1Y
-29.1%
6M
+10.7%
1M
+0.8%
1W
+1.5%
HNV
Hanover Bancorp, Inc.
Peer
5Y
+15.5%
3Y
+32.0%
1Y
+17.6%
6M
+3.9%
1M
+8.4%
1W
+4.0%
FNW
Finward Bancorp
Peer
5Y
-6.9%
3Y
+24.6%
1Y
+20.9%
6M
+10.9%
1M
-5.2%
1W
0.0%
BMN
Blackrock 2037 Municipal Target Term Trust
Peer
5Y
+18.8%
3Y
+19.2%
1Y
+6.8%
6M
+6.7%
1M
+2.2%
1W
-0.1%
LAR
Landmark Bancorp, Inc.
Peer
5Y
+52.7%
3Y
+65.4%
1Y
+5.5%
6M
+10.5%
1M
+4.6%
1W
+4.4%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
N/A
Forward P/E
1.33
PEG Ratio
N/A
P/B Ratio
1.63
P/S Ratio
5.58
EV/Revenue
-0.42
EV/EBITDA
N/A
Market Cap
$156.89M

Profitability

Profit margins and return metrics

Profit Margin -45.2%
Operating Margin -19.37%
Gross Margin N/A
ROE -25.69%
ROA -1.21%

Growth

Revenue and earnings growth rates

Revenue Growth N/A
Earnings Growth N/A
Q/Q Revenue Growth +44.32%
Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$1.59

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.0B
Net Margin
-24.1%
Total Assets
$1.1B
Liabilities
$1.0B
Equity
$0.1B
Debt/Equity
10.49x
Operating CF
$-0.0B
CapEx
$-0.0B
Free Cash Flow
$-0.0B
FCF Yield
102%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-15
$N/A
2019-05-15
$0.1
-70.9% surprise
2019-02-26
$0.1
-71.1% surprise
2018-11-14
$0.32
-8.9% surprise

Financial Services Sector Comparison

Comparing PNBK against 484 companies in the Financial Services sector (87 bullish, 202 neutral, 195 bearish)
Return on Equity (ROE)
-25.69%
This Stock
vs
0.23%
Sector Avg
-11330.8% (Below Avg)
Profit Margin
-45.2%
This Stock
vs
50.44%
Sector Avg
-189.6% (Weaker)

Similar Companies

Peer comparison within the same industry

PNBK Patriot National...
BEARISH
Mkt Cap
$157M
P/E
-
ROE
-25.7%
Price
$1.34
HNVR Hanover Bancorp, Inc.
BEARISH
Mkt Cap
$162M
P/E
22.5
ROE
3.8%
Price
$22.47
 Compare with PNBK
FNWD Finward Bancorp
NEUTRAL
Mkt Cap
$152M
P/E
18.6
ROE
5.0%
Price
$35.04
 Compare with PNBK
BMN Blackrock 2037...
BEARISH
Mkt Cap
$162M
P/E
263.6
ROE
-%
Price
$26.36
 Compare with PNBK
LARK Landmark Bancorp, Inc.
NEUTRAL
Mkt Cap
$162M
P/E
8.3
ROE
12.7%
Price
$26.72
 Compare with PNBK

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

SUGARMAN STEVEN
Chief Executive Officer
Stock Award
2026-03-25
2,089,043 shares
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K
FORM 8-K
2026-04-08

PNBK filed an 8-K on April 8, 2026, likely to announce its annual financial results or report the filing of its Form 10-K.

10-K
10-K
2026-03-31

PNBK filed its annual 10-K report on March 31, 2026. The provided excerpts do not contain specific financial metrics or detailed risk disclosures, limiting the available data for a comprehensive analysis of financial performance and risk exposure.

8-K
FORM 8-K
2026-03-10

PNBK filed a Form 8-K on March 10, 2026, likely to announce its annual financial results.

8-K
FORM 8-K
2025-12-31

PNBK filed a Form 8-K on December 31, 2025, likely reporting year-end financial results or corporate governance updates.

8-K
FORM 8-K
2025-12-22
8-K
FORM 8-K
2025-11-24
8-K
FORM 8-K
2025-11-17

Penn National Bank filed a current report on November 17, 2025, likely announcing its quarterly financial results.

10-Q
10-Q
2025-11-14

PNBK filed its Form 10-Q on November 14, 2025, providing a quarterly update on its financial condition. Specific financial highlights and risk factors were not included in the provided metadata.

8-K
FORM 8-K
2025-09-11
8-K
FORM 8-K
2025-09-02
8-K
8-K
2025-08-26
8-K
FORM 8-K
2025-08-14
10-Q
10-Q
2025-08-14
8-K
FORM 8-K
2025-08-05
8-K
8-K
2025-07-30
Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning PNBK from our newsroom.

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