📊 PNBK Key Takeaways
Is Patriot National Bancorp Inc. (PNBK) a Good Investment?
PNBK is fundamentally unprofitable with -26.6% net margin and -12.7M net loss despite 150% revenue growth, indicating severely compromised growth quality. The company is burning operating cash flow of -14.2M annually and cannot cover interest expenses (ICR: -0.8x), suggesting structural profitability issues or adverse asset quality deterioration.
Why Buy Patriot National Bancorp Inc. Stock? PNBK Key Strengths
- Strong cash position of $207.1M provides near-term liquidity buffer
- Low leverage at 0.17x debt-to-equity ratio limits near-term default risk
- Top-line revenue growth of 150% demonstrates market activity despite operational losses
PNBK Stock Risks: Patriot National Bancorp Inc. Investment Risks
- Deeply unprofitable operations with -26.4% operating margin and negative ROE/ROA destroying shareholder value
- Negative operating cash flow of -14.2M means company is consuming capital despite revenue generation
- Interest coverage ratio of -0.8x indicates inability to service debt obligations from operations
- As a bank, negative profitability suggests core net interest margin compression or severe asset quality deterioration
- Unsustainable cash burn rate will exhaust liquidity within 14-15 quarters at current trajectory
Key Metrics to Watch
- Operating cash flow stabilization and path to profitability
- Net interest margin trend and credit loss provisions
- Deposit stability and liability composition changes
Patriot National Bancorp Inc. (PNBK) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
PNBK Profit Margin, ROE & Profitability Analysis
PNBK vs Finance Sector: How Patriot National Bancorp Inc. Compares
How Patriot National Bancorp Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Patriot National Bancorp Inc. Stock Overvalued? PNBK Valuation Analysis 2026
Based on fundamental analysis, Patriot National Bancorp Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Patriot National Bancorp Inc. Balance Sheet: PNBK Debt, Cash & Liquidity
PNBK Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Patriot National Bancorp Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $-1.05 indicates the company is currently unprofitable.
PNBK Revenue Growth, EPS Growth & YoY Performance
Patriot National Bancorp Inc. Dividends, Buybacks & Capital Allocation
PNBK SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Patriot National Bancorp Inc. (CIK: 0001098146)
📋 Recent SEC Filings
❓ Frequently Asked Questions about PNBK
What is the AI rating for PNBK?
Patriot National Bancorp Inc. (PNBK) has an AI rating of STRONG SELL with 82% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PNBK's key strengths?
Claude: Strong cash position of $207.1M provides near-term liquidity buffer. Low leverage at 0.17x debt-to-equity ratio limits near-term default risk.
What are the risks of investing in PNBK?
Claude: Deeply unprofitable operations with -26.4% operating margin and negative ROE/ROA destroying shareholder value. Negative operating cash flow of -14.2M means company is consuming capital despite revenue generation.
What is PNBK's revenue and growth?
Patriot National Bancorp Inc. reported revenue of $47.8M.
Does PNBK pay dividends?
Patriot National Bancorp Inc. does not currently pay dividends.
Where can I find PNBK SEC filings?
Official SEC filings for Patriot National Bancorp Inc. (CIK: 0001098146) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is PNBK's EPS?
Patriot National Bancorp Inc. has a diluted EPS of $-0.17.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is PNBK a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Patriot National Bancorp Inc. has a STRONG SELL rating with 82% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is PNBK stock overvalued or undervalued?
Valuation metrics for PNBK: ROE of -13.4% (sector avg: 12%), net margin of -26.6% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy PNBK stock in 2026?
Our dual AI analysis gives Patriot National Bancorp Inc. a combined STRONG SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is PNBK's free cash flow?
Patriot National Bancorp Inc.'s operating cash flow is $-14.2M, with capital expenditures of $172.0K. FCF margin is -30.0%.
How does PNBK compare to other Finance stocks?
Vs Finance sector averages: Net margin -26.6% (avg: 25%), ROE -13.4% (avg: 12%), current ratio N/A (avg: 1.2).