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Upturn AI SWOT - About
PNBK 
Patriot National Bancorp Inc (PNBK)
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Upturn Advisory Summary
09/17/2025: PNBK (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 113.38% | Avg. Invested days 28 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 116.15M USD | Price to earnings Ratio - | 1Y Target Price 24 |
Price to earnings Ratio - | 1Y Target Price 24 | ||
Volume (30-day avg) - | Beta -0.47 | 52 Weeks Range 0.90 - 7.47 | Updated Date 06/29/2025 |
52 Weeks Range 0.90 - 7.47 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -10.16 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -283.53% | Operating Margin (TTM) -39.01% |
Management Effectiveness
Return on Assets (TTM) -4.17% | Return on Equity (TTM) -84.06% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 12519748 | Price to Sales(TTM) 7.77 |
Enterprise Value 12519748 | Price to Sales(TTM) 7.77 | ||
Enterprise Value to Revenue 5.37 | Enterprise Value to EBITDA - | Shares Outstanding 84783800 | Shares Floating 47122375 |
Shares Outstanding 84783800 | Shares Floating 47122375 | ||
Percent Insiders 41.81 | Percent Institutions 4.54 |
Upturn AI SWOT
Patriot National Bancorp Inc
Company Overview
History and Background
Patriot National Bancorp Inc. was established to provide community banking services. While detailed historical information is limited without specific access to the company's documents, its evolution likely mirrors other community banks, focusing on local lending and deposit services.
Core Business Areas
- Commercial Lending: Provides loans to businesses for working capital, equipment financing, and commercial real estate.
- Retail Banking: Offers deposit accounts, personal loans, and mortgage services to individuals.
- Wealth Management: Provides investment advisory and wealth management services.
Leadership and Structure
Information on specific leadership and organizational structure of Patriot National Bancorp Inc. would require specific access to company reports.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans for purchasing or refinancing commercial properties. Market share data requires access to proprietary market reports. Competitors include other regional and national banks.
- Small Business Loans (SBA): Loans guaranteed by the Small Business Administration. Market share data requires access to proprietary market reports. Competitors include other regional and national banks.
- Deposit Accounts: Checking, savings, and money market accounts. Market share data requires access to proprietary market reports. Competitors include other regional and national banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive, facing challenges from fintech companies and fluctuating interest rates.
Positioning
Patriot National Bancorp Inc. likely positions itself as a community-focused bank with personalized service. Competitive advantages would depend on local market factors and service quality.
Total Addressable Market (TAM)
The TAM is the aggregate value of all banking services within Patriot National Bancorp Inc.'s geographic footprint. Its positioning depends on its market share and growth strategy relative to the overall market size.
Upturn SWOT Analysis
Strengths
- Local Market Knowledge
- Personalized Customer Service
- Strong Community Relationships
- Established Branch Network
Weaknesses
- Limited Geographic Reach
- Smaller Asset Base Compared to National Banks
- Potential for Higher Operational Costs
- Dependence on Local Economy
Opportunities
- Expansion into New Markets
- Adoption of Digital Banking Technologies
- Increased Lending to Small Businesses
- Growing Wealth Management Services
Threats
- Increased Competition from Larger Banks and Fintech Companies
- Economic Downturn Impacting Loan Quality
- Rising Interest Rates
- Regulatory Changes
Competitors and Market Share
Key Competitors
- BAC
- JPM
- WFC
- USB
Competitive Landscape
Compared to its competitors, Patriot National Bancorp Inc. has a smaller scale and limited resources, but it excels at customer service. Its advantages are its community focus, while its disadvantages are its smaller scale.
Growth Trajectory and Initiatives
Historical Growth: Discussion of growth trends requires access to Patriot National Bancorp Inc.'s historical financial data.
Future Projections: Projections for future growth depend on analyst estimates and strategic initiatives, which are not publicly available without specific access to analyst reports.
Recent Initiatives: Information on recent strategic initiatives requires access to company press releases and investor relations materials.
Summary
Patriot National Bancorp Inc. is a community bank likely focused on local lending and deposit services. Its strength lies in personalized service and community relationships. The bank needs to adapt to technological advances and maintain financial stability. Competitive challenges from larger banks and market fluctuations pose potential threats.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (if available)
- Company Website
- Market Research Reports
- Financial News Outlets
Disclaimers:
The information provided is based on limited publicly available data and general industry knowledge. Actual financial performance and market conditions may vary. This analysis is for informational purposes only and not financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Patriot National Bancorp Inc
Exchange NASDAQ | Headquaters Stamford, CT, United States | ||
IPO Launch date 1994-09-01 | CEO, President & Director Mr. Steven Alan Sugarman J.D. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 129 | Website https://bankpatriot.com |
Full time employees 129 | Website https://bankpatriot.com | ||
Patriot National Bancorp, Inc. operates as the holding company for Patriot Bank, N.A. that provides community banking services to individuals, small and medium-sized businesses, and professionals. The company accepts consumer and commercial deposit accounts, such as checking, interest-bearing negotiable order of withdrawal, money market, time certificates of deposit, savings, prepaid deposit, online national money market, individual retirement accounts, and health savings accounts, as well as certificate of deposit account registry service. Its loan portfolio comprises commercial real estate, commercial business, small business administration, construction, purchased residential real estate, and various consumer loans. The company also offers automated clearing house transfers, lockbox, internet banking, bill payment, remote deposit capture, debit card, money order, traveler's check, and automatic teller machine services. It operates in New York; Connecticut; New Jersey; and internationally. The company was founded in 1994 and is headquartered in Stamford, Connecticut.
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