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Monday 2 November 2026
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Patriot National Bancorp Inc.
PNBK Financial Banks Regional
Patriot National Bancorp Inc.’s revenue for fiscal 2025 (year ended December 2025) was $58.4 million, down 3.90% from fiscal 2024.
- Revenue
- +44.2%
- EPS
- +102.0%
- Free cash flow
- −716.5%
- Total debt
- +0.21%
Quarter to June 2026, against a year earlier
0.88
0.05
+6.02%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
27.94 | 16.92 | 17.31 | 0.00 | 0.00 | 11.96 | 6.79 | 0.00 | 0.00 | 0.00 |
Piotroski F-Score |
4 | 7 | 5 | 2 | 4 | 5 | 6 | 2 | 3 | 3 |
P/S ratio |
2.06 | 2.04 | 1.32 | 1.08 | 0.98 | 1.67 | 0.88 | 0.24 | 0.13 | 2.40 |
P/FCF ratio |
55.76 | 16.51 | 13.47 | 0.00 | 6.30 | 7.11 | 6.33 | 0.00 | 2.92 | 0.00 |
P/Operating CF |
114.75 | 26.00 | (427.95) | (4.77) | 5.56 | 16.19 | 5.66 | (95.21) | (3.00) | (34.59) |
P/B ratio |
0.89 | 1.05 | 0.80 | 0.75 | 0.62 | 0.91 | 0.70 | 0.36 | 1.81 | 1.48 |
Price to Tangible BV |
0.89 | 1.05 | 0.83 | 0.77 | 0.63 | 0.93 | 0.72 | 0.36 | 1.88 | 1.48 |
EV/Sales |
4.05 | 4.35 | 2.55 | 2.79 | 2.82 | 3.32 | 2.23 | 2.13 | (2.20) | (0.87) |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
24.16 | 20.46 | 20.30 | (10.78) | 17.89 | 16.09 | 15.13 | (12.91) | (49.89) | 3.59 |
EV/FCF |
109.77 | 35.27 | 25.91 | (10.31) | 18.09 | 14.17 | 16.07 | (12.44) | (50.68) | 3.55 |
Quick Ratio |
0.17 | 0.07 | 0.09 | 0.05 | 0.05 | 0.06 | 0.04 | 0.08 | 0.17 | 0.21 |
Current Ratio |
1.23 | 1.17 | 1.11 | 1.09 | 1.08 | 1.02 | 1.01 | 1.08 | 0.90 | 0.84 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
19.31% | 15.03% | 12.38% | 12.03% | 12.25% | 11.38% | 9.87% | 17.29% | 2.08% | 1.51% |
Debt/Equity |
2.33 | 1.92 | 1.70 | 1.76 | 1.71 | 1.60 | 1.73 | 4.26 | 4.93 | 0.17 |
Asset Turnover |
0.04 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 | 0.05 | 0.06 | 0.06 | 0.06 |
Operating CF/Net income |
2.34 | 1.76 | 1.65 | 4.23 | (1.64) | 1.49 | 1.14 | 2.56 | (0.07) | 1.11 |
Capex/Depreciation |
(2.25) | (1.47) | (0.53) | (0.20) | (0.02) | 0.25 | (0.10) | (0.09) | (0.03) | (0.20) |
| 3.11% | 6.41% | 4.70% | (4.13%) | (5.87%) | 7.80% | 9.71% | (8.04%) | (163.96%) | (25.69%) | |
| 0.27% | 0.52% | 0.35% | (0.29%) | (0.41%) | 0.56% | 0.62% | (0.39%) | (3.79%) | (1.21%) | |
ROIC |
1.68% | 3.00% | 2.12% | (1.60%) | (1.90%) | 2.44% | 3.91% | (2.11%) | 0.00% | 0.00% |
Return on Tangible Assets |
1.21% | 2.83% | 2.74% | (2.72%) | (4.26%) | 11.33% | 15.52% | (4.24%) | 54.87% | 10.13% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
77.21% | 59.24% | 60.80% | 68.56% | 75.94% | 67.09% | 61.13% | 60.08% | 73.34% | 72.44% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.60% | 0.43% | 0.52% | 0.46% | 0.40% | 0.41% | 0.18% | 0.16% | 0.30% | 8.97% |
Graham Net Nets |
(0.40) | (0.28) | (0.71) | (1.05) | (1.42) | (1.56) | (2.26) | (7.65) | (16.08) | (1.22) |
Graham Number |
13.38 | 20.22 | 18.14 | 0.00 | 0.00 | 22.34 | 22.99 | 0.00 | 0.00 | 0.00 |
Earnings Yield |
3.58% | 5.91% | 5.78% | (5.63%) | (9.66%) | 8.36% | 14.72% | (25.84%) | (517.01%) | (17.58%) |
Free Cash Flow Yield |
1.79% | 6.06% | 7.42% | (24.91%) | 15.88% | 14.06% | 15.79% | (69.98%) | 34.24% | (10.26%) |
Revenue per Share |
6.82 | 8.81 | 10.76 | 11.76 | 10.14 | 9.32 | 12.03 | 16.38 | 15.27 | 0.76 |
Operating CF per Share |
1.14 | 1.87 | 1.35 | (3.04) | 1.60 | 1.92 | 1.78 | (2.70) | 0.67 | (0.18) |
Capex per Share |
(0.89) | (0.79) | (0.29) | (0.14) | (0.02) | 0.26 | (0.10) | (0.10) | (0.01) | 0.00 |
Free Cash Flow per Share |
0.25 | 1.09 | 1.06 | (3.18) | 1.58 | 2.19 | 1.67 | (2.81) | 0.66 | (0.19) |
Cash per Share |
23.35 | 12.51 | 17.02 | 10.05 | 8.80 | 11.92 | 9.73 | 16.78 | 40.90 | 2.70 |
Shareholders Equity per Share |
15.83 | 17.14 | 17.76 | 17.08 | 16.07 | 17.06 | 15.06 | 11.19 | 1.07 | 1.23 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
15.83 | 17.14 | 17.76 | 17.08 | 16.07 | 17.06 | 15.06 | 11.19 | 1.07 | 1.23 |
Free Cash Flow |
1.00 | 4.23 | 4.13 | (12.47) | 6.21 | 8.63 | 6.62 | (11.13) | 2.64 | (14.34) |
Working Capital |
126.67 | 111.16 | 81.36 | 69.03 | 56.24 | 13.47 | 9.06 | 68.58 | (101.54) | (153.59) |
Capital Expenditures |
(3.53) | (3.06) | (1.14) | (0.55) | (0.07) | 1.03 | (0.41) | (0.41) | (0.04) | (0.17) |
Net Current Asset Value |
(22.09) | (19.76) | (39.39) | (52.50) | (55.44) | (95.56) | (94.80) | (121.59) | (124.06) | (170.93) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.13 | 0.09 | 0.03 | 0.01 | 0.00 | (0.03) | 0.01 | 0.01 | 0.00 | 0.00 |
Price to Operating Income |
17.70 | 9.94 | 13.62 | 0.00 | 0.00 | 12.24 | 5.41 | 0.00 | 0.00 | 0.00 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.05 | 0.06 | 0.06 | 0.08 | 0.09 | 0.13 | 0.14 | 0.15 | 0.05 | 0.03 |
Cash ROIC |
0.33% | 1.74% | 1.63% | (5.56%) | 3.02% | 3.88% | 3.29% | (3.71%) | 1.41% | (4.51%) |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.04 | 0.04 | 0.03 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
64,229.81 | 33,448.14 | 21,917.72 | 15,417.73 | 18,201.05 | 38,536.69 | 29,206.99 | 10,070.38 | 10,927.92 | 12,269.82 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
486.99 | 583.38 | 690.36 | 756.41 | 727.60 | 717.11 | 804.50 | 850.38 | 903.45 | 966.19 |
Average Assets |
705.00 | 804.37 | 901.89 | 965.77 | 930.28 | 914.61 | 995.92 | 1,068.39 | 1,052.86 | 1,050.07 |
Average Common Equity |
62.02 | 64.66 | 68.04 | 68.17 | 65.11 | 65.28 | 63.46 | 51.98 | 24.32 | 49.47 |
Columns are period end dates