(PNBK) Patriot National Bancorp - Ratings and Ratios
Banking, Loans, Deposits, Mortgages
PNBK EPS (Earnings per Share)
PNBK Revenue
Description: PNBK Patriot National Bancorp
Patriot National Bancorp Inc (NASDAQ:PNBK) is a regional bank operating in the United States. The companys quarterly tax provision is a critical aspect of its financial performance, influencing its overall profitability and capital management.
To assess the banks financial health, key performance indicators (KPIs) such as Return on Equity (ROE), Return on Assets (ROA), and Efficiency Ratio should be closely monitored. A negative ROE of -143.20% indicates significant losses, potentially due to substantial tax provisions or other one-time expenses. The banks ability to manage its tax obligations and minimize losses will be crucial to its recovery.
Economic drivers impacting regional banks like PNBK include interest rates, credit quality, and regulatory requirements. Changes in interest rates can affect net interest margins, while credit quality issues can lead to increased provisioning and losses. The banks ability to navigate these challenges and maintain a stable capital position will be essential to its long-term success.
Given the banks current financial situation, investors should focus on metrics such as the Texas Ratio, which measures the banks capital adequacy in relation to its non-performing assets. A lower Texas Ratio indicates a more stable financial position. Additionally, monitoring the banks loan loss reserves and provisioning coverage ratio will provide insights into its credit risk management and ability to absorb potential losses.
The stocks market capitalization of $140.84M USD and average trading volume of 330,166 shares indicate a relatively modest level of market participation. Investors should be cautious of liquidity risks and potential price volatility, as reflected in the stocks beta of -0.458 and average true range (ATR) of 0.13, equivalent to 8.23% of the current price.
PNBK Stock Overview
| Market Cap in USD | 133m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 1994-09-01 |
PNBK Stock Ratings
| Growth Rating | -67.0% |
| Fundamental | 24.3% |
| Dividend Rating | 9.35% |
| Return 12m vs S&P 500 | -29.9% |
| Analyst Rating | - |
PNBK Dividends
Currently no dividends paidPNBK Growth Ratios
| Growth Correlation 3m | 30.8% |
| Growth Correlation 12m | -33.3% |
| Growth Correlation 5y | -74.9% |
| CAGR 5y | -49.98% |
| CAGR/Max DD 3y | -0.54 |
| CAGR/Mean DD 3y | -0.74 |
| Sharpe Ratio 12m | -0.93 |
| Alpha | 0.14 |
| Beta | 0.865 |
| Volatility | 60.37% |
| Current Volume | 232.2k |
| Average Volume 20d | 210.7k |
| Stop Loss | 1.3 (-11.6%) |
| Signal | -0.38 |
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (-44.3m TTM) > 0 and > 6% of Revenue (6% = 3.01m TTM) |
| FCFTA 0.00 (>2.0%) and ΔFCFTA 1.35pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1258 % (prev -1077 %; Δ -180.7pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.01 (>3.0%) and CFO -10.1m > Net Income -44.3m (YES >=105%, WARN >=100%) |
| NO Net Debt/EBITDA fails (EBITDA <= 0) |
| Current Ratio 0.24 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (78.1m) change vs 12m ago 1865 % (target <= -2.0% for YES) |
| Gross Margin 46.10% (prev 40.77%; Δ 5.33pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.09% (prev 5.49%; Δ -0.40pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -0.32 (EBITDA TTM -9.19m / Interest Expense TTM 31.4m) >= 6 (WARN >= 3) |
Altman Z'' -4.77
| (A) -0.68 = (Total Current Assets 200.8m - Total Current Liabilities 830.9m) / Total Assets 930.0m |
| (B) -0.10 = Retained Earnings (Balance) -94.7m / Total Assets 930.0m |
| (C) -0.01 = EBIT TTM -10.1m / Avg Total Assets 984.5m |
| (D) 0.07 = Book Value of Equity 61.1m / Total Liabilities 863.8m |
| Total Rating: -4.77 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 24.29
| 1. Piotroski 2.0pt = -3.0 |
| 2. FCF Yield 0.33% = 0.17 |
| 3. FCF Margin 5.25% = 1.31 |
| 4. Debt/Equity 12.89 = -2.50 |
| 5. Debt/Ebitda -92.79 = -2.50 |
| 6. ROIC - WACC (= -13.86)% = -12.50 |
| 7. RoE -123.0% = -2.50 |
| 8. Rev. Trend -22.59% = -1.69 |
| 9. EPS Trend -49.83% = -2.49 |
What is the price of PNBK shares?
Over the past week, the price has changed by +2.08%, over one month by -6.37%, over three months by +62.84% and over the past year by -16.95%.
Is Patriot National Bancorp a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PNBK is around 0.96 USD . This means that PNBK is currently overvalued and has a potential downside of -34.69%.
Is PNBK a buy, sell or hold?
What are the forecasts/targets for the PNBK price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 24 | 1532.7% |
| Analysts Target Price | 24 | 1532.7% |
| ValueRay Target Price | 1 | -31.3% |
Last update: 2025-09-10 02:43
PNBK Fundamental Data Overview
CCE Cash And Equivalents = 195.9m USD (Cash And Short Term Investments, last quarter)
P/S = 8.5138
P/B = 2.1871
Beta = -0.45
Revenue TTM = 50.1m USD
EBIT TTM = -10.1m USD
EBITDA TTM = -9.19m USD
Long Term Debt = 22.3m USD (from longTermDebt, last quarter)
Short Term Debt = 830.9m USD (from totalCurrentLiabilities, last quarter)
Debt = 853.1m USD (Calculated: Short Term 830.9m + Long Term 22.3m)
Net Debt = -165.4m USD (from netDebt column, last quarter)
Enterprise Value = 790.4m USD (133.2m + Debt 853.1m - CCE 195.9m)
Interest Coverage Ratio = -0.32 (Ebit TTM -10.1m / Interest Expense TTM 31.4m)
FCF Yield = 0.33% (FCF TTM 2.63m / Enterprise Value 790.4m)
FCF Margin = 5.25% (FCF TTM 2.63m / Revenue TTM 50.1m)
Net Margin = -88.40% (Net Income TTM -44.3m / Revenue TTM 50.1m)
Gross Margin = 46.10% ((Revenue TTM 50.1m - Cost of Revenue TTM 27.0m) / Revenue TTM)
Tobins Q-Ratio = 12.94 (Enterprise Value 790.4m / Book Value Of Equity 61.1m)
Interest Expense / Debt = 0.86% (Interest Expense 7.31m / Debt 853.1m)
Taxrate = 21.0% (US default)
NOPAT = -10.1m (EBIT -10.1m, no tax applied on loss)
Current Ratio = 0.24 (Total Current Assets 200.8m / Total Current Liabilities 830.9m)
Debt / Equity = 12.89 (Debt 853.1m / last Quarter total Stockholder Equity 66.2m)
Debt / EBITDA = -92.79 (Net Debt -165.4m / EBITDA -9.19m)
Debt / FCF = 324.6 (Debt 853.1m / FCF TTM 2.63m)
Total Stockholder Equity = 36.0m (last 4 quarters mean)
RoA = -4.76% (Net Income -44.3m, Total Assets 930.0m )
RoE = -123.0% (Net Income TTM -44.3m / Total Stockholder Equity 36.0m)
RoCE = -17.39% (Ebit -10.1m / (Equity 36.0m + L.T.Debt 22.3m))
RoIC = -12.03% (NOPAT -10.1m / Invested Capital 84.3m)
WACC = 1.83% (E(133.2m)/V(986.3m) * Re(9.20%)) + (D(853.1m)/V(986.3m) * Rd(0.86%) * (1-Tc(0.21)))
Shares Correlation 3-Years: 89.67 | Cagr: 31.13%
Discount Rate = 9.20% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 65.40% ; FCFE base≈2.63m ; Y1≈1.73m ; Y5≈789.0k
Fair Price DCF = 0.15 (DCF Value 12.9m / Shares Outstanding 88.5m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -49.83 | EPS CAGR: -3.27% | SUE: -0.29 | # QB: 0
Revenue Correlation: -22.59 | Revenue CAGR: 2.41% | SUE: N/A | # QB: 0
Additional Sources for PNBK Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle