Patriot National Bancorp (PNBK) Stock Price, News & Analysis

Company Overview

Patriot National Bancorp, Inc. is the bank holding company for Patriot National Bank, a full-service financial institution offering a broad range of deposit, loan and cash management products. The company’s retail banking services include checking and savings accounts, money market deposits, certificates of deposit and personal lines of credit, while its lending portfolio features residential and commercial mortgages, small business loans and construction financing. Additional service offerings encompass treasury management, merchant services, trust and wealth management solutions.

On the commercial front, Patriot National Bancorp serves small to mid-sized businesses, professional service firms and nonprofit entities. Custom lending solutions support equipment acquisition, working capital requirements and project financing, while depository services and sweep accounts help optimize liquidity. The company’s treasury management division delivers online cash concentration, ACH origination, automated clearing house processing and remote deposit capture to streamline clients’ receivables and payables.

The bank operates a network of community branches and loan production offices across the Southeastern and Mid-Atlantic regions, catering to both urban and rural markets. Through a relationship-driven approach, it emphasizes local decision-making and personalized service. Patriot’s digital platform provides mobile and online banking capabilities, including remote deposit capture, real-time transfers and account alerts, to enhance customer convenience and accessibility.

Tracing its origins to a locally chartered community bank established in the mid-20th century, Patriot National Bancorp reorganized as a holding company in the 1990s to support growth initiatives. Over the years, it has expanded through selective branch openings and strategic acquisitions. Its executive leadership team combines seasoned community banking professionals and industry veterans, guided by a board of directors with extensive banking and financial services expertise.

Key Stats

• Today's Range: $1.39 to $1.49
• 50-Day Range: $0.90 to $6.71
• 52-Week Range: $0.90 to $7.47
• Volume: 383,092 shs
• Average Volume: 566,128 shs
• Market Capitalization: $109.81 million
• P/E Ratio: N/A
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: N/A

Patriot National Bancorp Stock Analysis - MarketRank™

Patriot National Bancorp scored higher than 9% of companies evaluated by MarketBeat, and ranked 912th out of 933 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Patriot National Bancorp.

Earnings and Valuation

• Score: 0.0 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Patriot National Bancorp is -0.14, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of Patriot National Bancorp is -0.14, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Book Value per Share Ratio

Patriot National Bancorp has a P/B Ratio of 1.35. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.65% of the float of Patriot National Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Patriot National Bancorp has a short interest ratio ("days to cover") of 2.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Patriot National Bancorp has recently increased by 174.73%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Patriot National Bancorp does not currently pay a dividend.

Dividend Growth

Patriot National Bancorp does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

2.65% of the float of Patriot National Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Patriot National Bancorp has a short interest ratio ("days to cover") of 2.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Patriot National Bancorp has recently increased by 174.73%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: N/A

News Sentiment

Patriot National Bancorp has a news sentiment score of 1.89. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.91 average news sentiment score of Finance companies.

Search Interest

Only 1 people have searched for PNBK on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Patriot National Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

11.00% of the stock of Patriot National Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 39.25% of the stock of Patriot National Bancorp is held by institutions.

PNBK Stock Analysis - Frequently Asked Questions

How have PNBK shares performed this year?

Patriot National Bancorp's stock was trading at $1.94 at the beginning of 2025. Since then, PNBK shares have decreased by 25.8% and is now trading at $1.44.

How were Patriot National Bancorp's earnings last quarter?

Patriot National Bancorp Inc. (NASDAQ:PNBK) announced its quarterly earnings results on Wednesday, May, 14th. The bank reported ($0.21) EPS for the quarter. The bank had revenue of $6.68 million for the quarter. Patriot National Bancorp had a negative net margin of 70.89% and a negative trailing twelve-month return on equity of 149.65%.

How do I buy shares of Patriot National Bancorp?

Shares of PNBK stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Patriot National Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Patriot National Bancorp investors own include Enterprise Products Partners (EPD), Gilead Sciences (GILD), Huntington Bancshares (HBAN), M&T Bank (MTB), Adobe (ADBE), Canadian Natural Resources (CNQ) and Methanex (MEOH).

Company Calendar

• Last Earnings: 5/14/2025
• Today: 7/18/2025
• Next Earnings (Estimated): 8/08/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:PNBK
• CIK: 1098146
• Web: www.bankpatriot.com
• Phone: (203) 252-5900
• Fax: 203-324-8877
• Employees: 130
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): ($10.16)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: -$39.88 million
• Net Margins: -70.89%
• Pretax Margin: -31.20%
• Return on Equity: -149.65%
• Return on Assets: -4.26%

Debt

• Debt-to-Equity Ratio: 0.31
• Current Ratio: 0.94
• Quick Ratio: 0.92

Sales & Book Value

• Annual Sales: $60.72 million
• Price / Sales: 1.82
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: $1.07 per share
• Price / Book: 1.36

Miscellaneous

• Outstanding Shares: 76,260,000
• Free Float: 67,871,000
• Market Cap: $110.58 million
• Optionable: Not Optionable
• Beta: -0.46