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

Company Overview

Patriot National Bancorp, Inc., through its subsidiary Patriot National Bank, operates as a community-oriented bank headquartered in Fort Lauderdale, Florida. The company offers a comprehensive suite of retail and commercial banking products and services to individuals, small- to mid-sized businesses and institutions. Its core deposit offerings include checking and savings accounts, money market accounts and certificates of deposit, all supported by online and mobile banking platforms.

On the lending side, Patriot National Bank provides commercial real estate and business loans, construction and development financing, residential mortgage lending and consumer installment loans. It also delivers treasury management solutions, cash management services and merchant card processing to help clients manage liquidity and streamline financial operations. The bank complements its in-house capabilities with wealth management and trust services through strategic third-party partnerships.

Established in 2009 by a group of local investors and former depositors following the closure of Patriot Savings & Loan Association, the bank has adhered to community banking principles and local decision-making. Its footprint spans Broward, Miami-Dade and Palm Beach counties in South Florida, where it has expanded its branch network and customer base through organic growth, personalized service and disciplined credit practices.

Key Stats

• Today's Range: $1.19 to $1.28
• 50-Day Range: $1.21 to $1.72
• 52-Week Range: $0.90 to $7.47
• Volume: 294,560 shs
• Average Volume: 245,746 shs
• Market Capitalization: $120.70 million
• P/E Ratio: N/A
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: Sell

Patriot National Bancorp Stock Analysis - MarketRank™

Patriot National Bancorp scored higher than 8% of companies evaluated by MarketBeat, and ranked 926th out of 931 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 -0.13, 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 -0.13, 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 1.18. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

2.15% of the outstanding shares of Patriot National Bancorp have been sold short.

Short Interest Ratio / Days to Cover

Patriot National Bancorp has a short interest ratio ("days to cover") of 7.

Change versus previous month

Short interest in Patriot National Bancorp has recently increased by 29.56%, 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

2.15% of the outstanding shares of Patriot National Bancorp have been sold short.

Short Interest Ratio / Days to Cover

Patriot National Bancorp has a short interest ratio ("days to cover") of 7.

Change versus previous month

Short interest in Patriot National Bancorp has recently increased by 29.56%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.3 / 5
• News Sentiment: 1.86

News Sentiment

Patriot National Bancorp has a news sentiment score of 1.86. 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 0.64 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Patriot National Bancorp this week, compared to 1 article on an average week.

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 the year. Since then, PNBK stock has decreased by 35.1% and is now trading at $1.26.

How were Patriot National Bancorp's earnings last quarter?

Patriot National Bancorp Inc. (NASDAQ:PNBK) posted its quarterly earnings data on Thursday, August, 14th. The bank reported ($0.06) EPS for the quarter. The bank had revenue of $6.22 million for the quarter. Patriot National Bancorp had a negative trailing twelve-month return on equity of 132.38% and a negative net margin of 76.35%.

Who are Patriot National Bancorp's major shareholders?

Top institutional investors of Patriot National Bancorp include Curated Wealth Partners LLC (0.97%) and Falcon Wealth Planning (0.11%).
View institutional ownership trends.

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: 8/14/2025
• Today: 10/19/2025
• Next Earnings (Estimated): 11/18/2025
• 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): ($9.45)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: -$39.88 million
• Net Margins: -76.35%
• Pretax Margin: -33.94%
• Return on Equity: -132.38%
• Return on Assets: -4.57%

Debt

• Debt-to-Equity Ratio: 0.27
• Current Ratio: 0.95
• Quick Ratio: 0.93

Sales & Book Value

• Annual Sales: $60.72 million
• Price / Sales: 1.99
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: $1.07 per share
• Price / Book: 1.18

Miscellaneous

• Outstanding Shares: 95,790,000
• Free Float: 85,258,000
• Market Cap: $120.70 million
• Optionable: Not Optionable
• Beta: -0.42