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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%
Market cap
$102.9M
P/E
0.0×
Fwd P/E
12.1×
Dividend yield
—
F-score
3/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.24
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — 2 — — — 1 — —
Sell — — — — — — — — — — — —
Insider Ownership 25.08%

Capital & Financial Ratios $m

Size
Market Cap 102.88
Revenue ttm 67.03
Net income ttm (6.54)
Free cash flow ttm (18.50)
Net debt Q (105.04)
Valuation
P/E 0.00
Forward P/E 12.10
Price / sales 1.54
Forward P/S Powerpack
Price / FCF 0.00
Price / book 1.16
Financial health
Current ratio Q 0.85
Debt / equity Q 0.19
Interest coverage Q —
Growth
Revenue growth Q +44.21% (above 0%: growing)
Operating income growth Q +72.59% (above 0%: growing)
EPS, this year —
EPS, next year A —
Revenue, next year A +15.57% (at or above 10%: strong)
EPS, past 5 yrs —
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/S against its own 10 years 56.39%
10-year low 10-year high
P/B against its own 10 years 85.79%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—
Growth, 2017–19
+41.4%/yr
  1. 0.02 ’17
  2. 0.04 ’18 +100%
  3. 0.04 ’19 +0%
paid Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 67 163 207 122
Receivables — — — —
Inventory — — — —
Other — — — —
927 884 822 1,029
2023 2024 2025 Q'26
Payables 840 967 966 1,201
ST’ Debt — — — —
Other — — — —
859 986 976 1,210

Compound Annual Growth %

10y 5y 3y
Sales 8.72% 7.91% 7.01%
Cash Flow 0.00% 0.00% 0.00%
Earnings 0.00% 0.00% 0.00%
Book Value 4.42% 8.41% 16.69%

EPS $

Mar Jun Sep Dec Year
’26 (0.02) 0.00 — — —
’25 (0.21) (0.06) (0.03) (0.02) (0.17)
’24 (0.08) (0.77) (6.78) (2.40) (10.03)
’23 (0.18) (0.14) (0.95) 0.23 (1.05)
’22 0.20 0.32 0.59 0.45 1.55
’21 0.22 0.26 0.34 0.48 1.29
’20 (0.27) (0.32) (0.02) (0.35) (0.97)
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 18 20 — — —
’25 15 14 14 16 58
’24 16 15 15 14 61
’23 14 16 16 18 65
’22 9 10 13 15 48
’21 9 9 9 11 37
’20 11 10 10 9 40
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (3) (6) — — —
’25 (6) 1 (5) (4) (14)
’24 2 6 (3) (3) 3
’23 0 4 (14) 0 (11)
’22 (4) 2 2 7 7
’21 (1) 1 3 4 8
’20 (4) 0 4 7 6
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (3) (6) — — —
’25 (6) 1 (5) (4) (14)
’24 2 6 (3) (2) 3
’23 0 4 (15) 0 (11)
’22 (4) 2 2 7 7
’21 (1) 1 3 5 9
’20 (4) 0 4 7 6
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 27 34 42 46 40 37 48 65 61 58 67 +9.0% — — — —
Gross margin, % 88.84 79.72 70.53 60.50 65.52 80.72 77.42 53.12 46.83 50.77 58.32 (38.1) pt
EBT 3 7 4 (4) (4) 5 8 (6) (16) (13) (8) n/m
EBT margin, % 11.63 20.48 9.73 (8.06) (10.42) 13.63 16.29 (8.67) (26.51) (21.68) (11.86) (33.3) pt
Net income 2 4 3 (3) (4) 5 6 (4) (40) (13) (7) n/m
Per share, $
Per share, $ Revenue 6.82 8.81 10.76 11.76 10.14 9.32 12.03 16.38 15.27 0.76 0.57 (21.6%)
Earnings 0.49 1.06 0.78 (0.72) (0.97) 1.29 1.56 (1.05) (10.03) (0.17) (0.06) n/m
Cash flow 1.14 1.87 1.35 (3.04) 1.60 1.92 1.78 (2.70) 0.67 (0.18) (0.15) n/m
Capex (0.89) (0.79) (0.29) (0.14) (0.02) 0.26 (0.10) (0.10) (0.01) 0.00 (0.01) (48.7%)
Free cash flow 0.25 1.09 1.06 (3.18) 1.58 2.19 1.67 (2.81) 0.66 (0.19) (0.16) n/m
Book value 15.83 17.14 17.76 17.08 16.07 17.06 15.06 11.19 1.07 1.23 0.76 (24.7%)
Shares, m 4 4 4 4 4 4 4 4 4 77 102 +39.0%
Valuation, ×
Valuation, × P/E 27.94 16.92 17.31 0.00 0.00 11.96 6.79 0.00 0.00 0.00 0.00 8.1
P/S 2.06 2.04 1.32 1.08 0.98 1.67 0.88 0.24 0.13 2.40 1.54 1.3
P/B 0.89 1.05 0.80 0.75 0.62 0.91 0.70 0.36 1.81 1.48 1.16 0.9
EV/Sales 4.05 4.35 2.55 2.79 2.82 3.32 2.23 2.13 (2.20) (0.87) — 2.1
EV/FCF 109.77 35.27 25.91 (10.31) 18.09 14.17 16.07 (12.44) (50.68) 3.55 — 14.9
Cash, $m
Cash, $m Operating cash flow 5 7 5 (12) 6 8 7 (11) 3 (14) (18) n/m
Capex (4) (3) (1) (1) 0 1 0 0 0 0 (1) (28.6%)
Free cash flow 1 4 4 (12) 6 9 7 (11) 3 (14) (19) n/m
Balance, $m
Balance, $m Working capital 127 111 81 69 56 13 9 69 (102) (154) (181) n/m
Net debt 54 79 51 78 73 61 64 122 (142) (191) (105) n/m
Shareholders’ equity 63 67 69 67 63 67 60 44 4 95 89 +4.7%
Returns, %
Returns, % ROA 0.27 0.52 0.35 (0.29) (0.41) 0.56 0.62 (0.39) (3.79) (1.21) (0.58) (1.5) pt
ROIC 1.68 3.00 2.12 (1.60) (1.90) 2.44 3.91 (2.11) 0.00 0.00 0.00 (1.7) pt
ROE 3.11 6.41 4.70 (4.13) (5.87) 7.80 9.71 (8.04) (163.96) (25.69) (8.72) (28.8) pt
People
People Employees 99 109 118 131 122 128 130 117 129 107 — +0.9%
Revenue/emp, $m 0.27 0.31 0.36 0.35 0.33 0.29 0.37 0.56 0.47 0.55 — +8.0%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Patriot National Bancorp Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
SFBC Sound Financial Bancorp, Inc. $115.6M 14.4× — +1.50% (above 0%: growing) +22.50% (above 0%: growing) +132.05% (above 0%: growing) 67.71% 0.00% Compare
OPHC OptimumBank Holdings, Inc. $115.5M 5.8× 8.9× +38.96% (above 0%: growing) +29.03% (above 0%: growing) +67.40% (above 0%: growing) 70.97% 0.00% Compare
PROV Provident Financial Holdings, Inc. $113.3M 17.5× 14.9× +1.58% (above 0%: growing) +40.00% (above 0%: growing) +52.70% (above 0%: growing) 69.62% 0.00% Compare
UNB Union Bankshares, Inc. $112.9M 8.7× — +8.47% (above 0%: growing) +15.09% (above 0%: growing) +1,783.20% (above 0%: growing) 63.79% 0.00% Compare
BOTJ Bank of the James Financial Group, Inc. $108.0M 9.4× 9.7× +6.68% (above 0%: growing) +18.33% (above 0%: growing) −90.59% (below 0%: shrinking) 81.91% 0.00% Compare
PBHC Pathfinder Bancorp, Inc. $106.7M 850× — +9.22% (above 0%: growing) +7,976.92% (above 0%: growing) +155.06% (above 0%: growing) 60.96% 0.00% Compare
BYFC Broadway Financial Corporation $106.3M — (loss-making) — (loss-making) +27.12% (above 0%: growing) n/m +24.68% (above 0%: growing) 55.67% 0.00% Compare
PNBK Patriot National Bancorp Inc. $102.9M — (loss-making) 12.1× +44.21% (above 0%: growing) n/m −716.54% (below 0%: shrinking) 61.76% 0.00%
FNWB First Northwest Bancorp $97.3M 63.7× 128× −6.28% (below 0%: shrinking) −92.86% (below 0%: shrinking) −85.97% (below 0%: shrinking) 58.91% 0.00% Compare
Median of peers $110.4M 14.4× 12.3× +7.58% +22.50% +60.05% 65.75% 0.00%

All 328 Banks Regional stocks →

Patriot National Bancorp Inc. (PNBK) Latest News

1 Jul

Impact 4 ·

29 Jun

Impact 3 ·

22 Jun

Impact 3 · · GlobeNewswire

30 Oct

Impact 3 · · GlobeNewswire

12 Sep

Impact 3 ·

29 Jul

Impact 3 ·

15 Jul

Impact 3 ·

2 Jul

Impact 3 ·

5 Jun

Impact 4 · · GlobeNewswire

19 May

Impact 4 · · financial-planning.com
Impact 4 · · americanbanker.com
Impact 3 ·

2 May

Impact 4 · · Insider Monkey

24 Mar

Impact 3 · · bankingdive.com

20 Mar

Impact 4 ·

24 Feb

Impact 4 · · americanbanker.com

22 Jan

Impact 4 · · bankingdive.com

3 Jan

Impact 3 · · bankingdive.com

31 Oct

Impact 3 · · Simply Wall St.

11 Aug

Impact 4 · · Simply Wall St.
Impact 3 · · GlobeNewswire

3 Apr

Impact 3 · · Simply Wall St.

21 Jul

Impact 4 · · GlobeNewswire

12 May

Impact 3 · · GlobeNewswire
stockrow.com/PNBK · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com