(PNBK) Patriot National Bancorp - Ratings and Ratios

Patriot National Bancorp, Inc. is a banking holding company that provides a comprehensive range of financial services to individuals, businesses, and professionals through its subsidiary, Patriot Bank, N.A. With a presence in New York, Connecticut, New Jersey, and international operations, the company has established a strong regional footprint. Its banking services include deposit accounts, loans, and various transaction services such as automated clearing house transfers, lockbox, internet banking, and debit card services.

The companys deposit accounts cater to both consumer and commercial clients, offering a range of products including checking accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, time certificates of deposit, and savings accounts. Additionally, Patriot Bank offers specialized accounts such as individual retirement accounts and health savings accounts. The loan portfolio is diversified, comprising commercial real estate loans, commercial business loans, small business administration loans, construction loans, and consumer loans.

From a technical analysis perspective, PNBKs stock has shown a significant increase in value, with its last price at $4.17, well above its SMA20, SMA50, and SMA200, indicating a strong upward trend. The Average True Range (ATR) of 0.50 represents a volatility of 11.98%, suggesting that the stock is experiencing considerable price movements. Given the 52-week high and low of $4.32 and $1.00, respectively, the stock appears to be near its peak, potentially indicating a consolidation or slight pullback phase.

Fundamentally, Patriot National Bancorp has a market capitalization of $267.62M USD. However, its P/E ratio is not available, likely due to negative earnings. The Return on Equity (RoE) is significantly negative at -300.30, indicating substantial losses. Despite these challenges, the companys strong regional presence and diversified banking services position it for potential recovery.

Forecasting PNBKs future performance involves analyzing both technical and fundamental data. Technically, the stocks upward trend and proximity to its 52-week high suggest that it may continue to consolidate or slightly adjust before further upward movement. Fundamentally, despite the negative RoE, the companys diversified loan portfolio and deposit accounts provide a solid foundation. If the company can address its earnings issues, PNBKs strong banking infrastructure and regional presence could drive growth. A potential forecast could see PNBK testing its 52-week high or pushing beyond if it can achieve a turnaround in earnings and improve its RoE.