Patriot National Bancorp Inc
PNBK Nasdaq· National Commercial Banks
Last close · Oct 23, 2026
$0.82
KIRA · Stoqly’s AI analyst, in plain words
- Patriot National Bancorp Inc had $29.6M of revenue in fiscal 2025, up 4.2% on the year before. Over five years, revenue changed +2.5% a year on average.
- Patriot National Bancorp Inc lost $12.7M in fiscal 2025.
- Patriot National Bancorp Inc returned $0.0M to shareholders in fiscal 2025. The diluted share count rose 1,831.8%.
- It earned −25.7% on shareholders’ money. Running costs took 137.6% of revenue (the efficiency ratio; lower is better).
Market cap
$96.8M
P/E
10.3x
Revenue
$29.6M
Net income
−$12.7M
Return on equity
−25.7%
Efficiency ratio
137.6%
Patriot National Bancorp Inc in 30 seconds · fiscal 2025
Are sales growing?
+4.2%
Only a little. Sales grew 4.2% last year.
Does it make a profit?
−42.9%
No. It lost money last year.
How lean are its costs?
137.6%
Costly. Running costs take 137.6% of revenue.
How much does it earn on its capital?
−25.7%
Low. It earns −25.7% a year on shareholders’ money.
How is the share priced?
10.3x
One share costs 10.3 times its yearly profit per share.
What Patriot National Bancorp Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 31, 2026
- Legal name
- PATRIOT NATIONAL BANCORP INC
- CIK
- 0001098146
Patriot National Bancorp Inc · PNBK
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $29.7M | $36.9M | $34.5M | $28.4M | $29.6M |
| Revenue growth | 13.6% | 24.2% | −6.4% | −17.6% | 4.2% |
| Net interest income | $25.3M | $33.3M | $28.5M | $20.1M | $19.1M |
| Net income | $5.1M | $6.2M | −$4.2M | −$39.9M | −$12.7M |
| Net margin | 17.2% | 16.7% | −12.1% | −140.2% | −42.9% |
| Diluted EPS | $1.29 | $1.55 | −$1.05 | −$10.03 | −$0.17 |
| Cash | |||||
| Cash from operations | $7.6M | $7.0M | −$10.7M | $2.7M | −$14.2M |
| Capital expenditure | $0.4M | $0.4M | $0.4M | $0.1M | $0.2M |
| Free cash flow | $7.2M | $6.6M | −$11.1M | $2.6M | −$14.3M |
| FCF margin | 24.1% | 18.0% | −32.2% | 9.2% | −48.4% |
| Dividends paid | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M |
| Share count change | 0.5% | 0.3% | 0.1% | 0.3% | 1,831.8% |
| Debt and strength | |||||
| Cash and short-term investments | $47.0M | $38.5M | $66.5M | $163M | $207M |
| Debt incl. finance leases | $121M | $115M | $201M | $33.1M | $16.4M |
| Loans, net | — | $838M | $833M | $700M | $586M |
| Deposits | $749M | $860M | $840M | $967M | $966M |
| Shareholders' equity | $67.3M | $59.6M | $44.4M | $4.3M | $94.7M |
| Returns and quality | |||||
| Return on equity | 7.8% | 9.7% | −8.0% | −164.0% | −25.7% |
| Return on tangible equity | 7.7% | 10.6% | −9.5% | −970.6% | −13.4% |
| Efficiency ratio | 84.8% | 73.8% | 94.8% | 112.8% | 137.6% |
| Piotroski F-score | 6 | 6 | 0 | 3 | 2 |
Insiders bought, 12 months
$0.2M
1 insider
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Patriot National Bancorp Inc · PNBK
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $0.82 a share, the company is worth $96.8M: 10.3 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001098146). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.