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PNBK 
Patriot National Bancorp Inc (PNBK)
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Upturn Advisory Summary
10/31/2025: PNBK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
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 10/31/2025 |
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. (PNBK) was founded in 2006 as Patriot National Bank. It is a community bank focused on serving the needs of small and medium-sized businesses, professionals, and individuals in the New York metropolitan area.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services, including commercial loans, lines of credit, and treasury management services.
- Retail Banking: Offers traditional retail banking products and services, such as checking accounts, savings accounts, and consumer loans.
- Mortgage Lending: Provides mortgage lending services for residential properties.
Leadership and Structure
The leadership team includes the Chief Executive Officer, Chief Financial Officer, and other senior executives. The bank operates with a traditional hierarchical structure, with various departments responsible for different aspects of the business.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are offered to small and medium-sized businesses to fund operations, expansions, and other capital expenditures. Market share data for specific loan types is difficult to obtain on a granular level for community banks. Competitors include larger national banks and other regional community banks. Revenue from commercial loans is a significant portion of PNBK's total revenue.
- Small Business Administration (SBA) Loans: SBA loans help small businesses get access to working capital. Market Share data is hard to obtain. Competitors include larger national banks and other regional community banks. Revenue from SBA loans is a portion of PNBK's total revenue.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share information is difficult to obtain. Competitors include all banks and credit unions. Revenue comes from interest earned on loaned deposits and service fees.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory oversight. Factors such as interest rates, economic growth, and regulatory changes influence the performance of banks.
Positioning
Patriot National Bancorp Inc. is positioned as a community bank focused on providing personalized service to local businesses and individuals. Their competitive advantage lies in local market knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in the New York metropolitan area is substantial, encompassing a large population of businesses and individuals. PNBK is positioned to capture a segment of this market by focusing on local relationships and specialized services. Estimating a precise TAM figure requires detailed market research data.
Upturn SWOT Analysis
Strengths
- Strong local presence and customer relationships
- Experienced management team
- Focus on small and medium-sized businesses
- Community bank reputation
Weaknesses
- Limited geographic reach compared to larger banks
- Smaller balance sheet and capital base
- Dependence on local economic conditions
- Lower marketing resources
Opportunities
- Expansion into new markets within the New York metropolitan area
- Increased adoption of digital banking technologies
- Strategic partnerships with fintech companies
- Growing demand for commercial loans from small businesses
Threats
- Increased competition from larger banks and online lenders
- Rising interest rates and economic downturn
- Regulatory changes and compliance costs
- Cybersecurity threats and data breaches
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
Competitive Landscape
PNBK competes with much larger national and regional banks. Its competitive advantage lies in its local focus and personalized service. However, it faces challenges in terms of scale and resources compared to its larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends depend on specific historical financial data that needs to be researched and entered to generate an accurate overview.
Future Projections: Future Projections for financial metrics such as revenue, net income, and EPS is done by analysts.
Recent Initiatives: Recent strategic initiatives for PNBK are expansion into new markets, investments in digital technologies and strategic partnerships with other fintech companies.
Summary
Patriot National Bancorp Inc. is a community bank focused on serving small businesses in the New York metropolitan area. The bank's strength lies in its local relationships and personalized service. However, it faces challenges from larger competitors and potential economic downturns. Future growth may depend on successful expansion and strategic partnerships. More detailed financial data is required for a comprehensive financial analysis.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (limited access)
- Market Data Providers (general banking industry data)
- Analyst Reports (general banking industry data)
Disclaimers:
This analysis is based on limited publicly available information and general industry knowledge. Financial data and specific details may vary. This is not financial advice, and consult a financial professional before making any investment decisions.
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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