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Upturn AI SWOT - About
PNBK 
Patriot National Bancorp Inc (PNBK)
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Upturn Advisory Summary
08/14/2025: PNBK (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early 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 08/14/2025 |
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 founded to serve the financial needs of local communities, focusing on personalized banking services and fostering strong customer relationships. The bank has grown through strategic expansion and a commitment to community development.
Core Business Areas
- Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses of all sizes.
- Retail Banking: Offers checking accounts, savings accounts, mortgages, and other personal financial services to individual customers.
- Wealth Management: Provides investment management, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
The leadership team is comprised of experienced banking professionals with expertise in commercial lending, retail banking, and wealth management. The organizational structure includes departments for lending, operations, finance, and compliance, all reporting to the CEO and board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Patriot National Bancorp offers a range of commercial loan products to support the growth and expansion of local businesses. This market is competitive, including large national banks such as JP Morgan Chase (JPM) and Bank of America (BAC), and regional banks such as M&T Bank (MTB).
- Mortgage Loans: Patriot National Bancorp provides mortgage loans to individuals for home purchases and refinancing. Competitors include Wells Fargo (WFC) and Rocket Mortgage.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges due to rising interest rates, increased regulatory scrutiny, and competition from fintech companies. The industry is also consolidating, with larger banks acquiring smaller institutions.
Positioning
Patriot National Bancorp is a community-focused bank that differentiates itself through personalized service and strong relationships with local businesses and individuals. This allows it to compete effectively against larger national banks.
Total Addressable Market (TAM)
The TAM for community banking is substantial, encompassing a significant portion of the small business and retail banking sectors. Patriot National Bancorp is positioned to capture a share of this market through its focus on local relationships and personalized service.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Experienced management team
- Strong capital base
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Reliance on traditional banking products
Opportunities
- Expansion into new markets
- Adoption of digital banking technologies
- Acquisition of smaller community banks
- Increase in interest rates
Threats
- Increased competition from national banks and fintech companies
- Economic downturn
- Rising interest rates
- Increased regulatory scrutiny
Competitors and Market Share
Key Competitors
- JPM
- BAC
- MTB
- WFC
Competitive Landscape
Patriot National Bancorp faces intense competition from larger national banks and regional players. Its advantage lies in its local focus and personalized service, but it must contend with the resources and scale of its larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Unable to provide growth trends without access to proprietary information.
Future Projections: Unable to provide analyst estimates without access to proprietary information.
Recent Initiatives: Recent initiatives have likely focused on expanding their loan portfolio and enhancing customer service.
Summary
Patriot National Bancorp is a smaller community bank facing challenges due to competition and rising rates. Its strength lies in local relationships and personalized service, but it must adapt to technological changes. While it has opportunities for growth through market expansion, economic downturns pose a significant threat. The company is financially stable, but its smaller size is something to look out for in the current market
Peer Comparison
Sources and Disclaimers
Data Sources:
- Publicly available information
- Industry reports
Disclaimers:
The information provided is based on publicly available data and industry reports. Actual financial performance may vary. Market share estimates are approximate.
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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