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Upturn AI SWOT - About
PNBK 
Patriot National Bancorp Inc (PNBK)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/12/2025: 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
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Year Target Price $24
Year Target Price $24
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Under performing |
| 0 | Sell |
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 06/12/2025 |
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 |
Analyst Ratings
Rating - | Target Price 24 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Patriot National Bancorp Inc
Company Overview
History and Background
Patriot National Bancorp Inc. was founded in 2006 and operates as the holding company for Patriot Bank, N.A., a community bank providing a range of financial services. It has focused on serving businesses, individuals, and professionals primarily in Southern Connecticut and New York.
Core Business Areas
- Commercial Banking: Offers loans, deposit accounts, and other financial services to businesses, including commercial real estate loans, equipment financing, and working capital lines of credit.
- Retail Banking: Provides deposit accounts, mortgages, home equity lines of credit, and other consumer financial services to individuals and families.
- Wealth Management: Offers wealth management and financial planning services through its financial consultant(s).
Leadership and Structure
Robert J. Russell serves as Chairman and CEO. The organizational structure consists of executive management overseeing various departments such as commercial lending, retail banking, finance, and operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial properties. Market share data is not publicly available. Competitors include larger regional and national banks such as Bank of America (BAC), JPMorgan Chase (JPM) and M&T Bank (MTB).
- Small Business Loans (SBA): Offers SBA loans to small businesses. Market share data is not publicly available. Competitors include other community banks and online lenders such as Live Oak Bancshares (LOB) and Customers Bancorp (CUBI).
- Mortgages: Offers residential mortgage loans. Market share data is not publicly available. Competitors include Quicken Loans, Wells Fargo (WFC), and US Bancorp (USB).
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Consolidation is a continuing trend, with smaller banks merging to gain scale and efficiency.
Positioning
Patriot National Bancorp Inc. is a community bank focused on relationship banking and serving its local markets. Its competitive advantage lies in its personalized service and local expertise.
Total Addressable Market (TAM)
The TAM for community banking in Patriot National Bancorp Inc.'s geographic footprint (Southern Connecticut and New York) is estimated to be in the billions of dollars. Patriot National Bancorp Inc. has a small, but significant, portion of this TAM.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Relationship-based banking approach
- High-quality customer service
Weaknesses
- Limited geographic footprint
- Smaller balance sheet compared to larger competitors
- Reliance on traditional banking products
- Lower brand recognition compared to national banks
Opportunities
- Expansion into new markets within Southern Connecticut and New York
- Investment in technology to improve efficiency and customer experience
- Strategic acquisitions of smaller banks
- Increased demand for community banking services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- BAC
- JPM
- USB
- MTB
Competitive Landscape
Patriot National Bancorp Inc faces challenges from larger banks with greater resources and brand recognition. However, it differentiates itself through personalized service and local market expertise, which can attract customers seeking a community banking experience.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require specific data which is not possible without real-time access.
Future Projections: Future projections require specific data which is not possible without real-time access.
Recent Initiatives: Recent strategic initiatives require specific data which is not possible without real-time access.
Summary
Patriot National Bancorp Inc is a community bank with strengths in local relationships and personalized service. It faces challenges from larger competitors and needs to invest in technology to improve efficiency. Expanding into new markets and strategic acquisitions could boost growth. Economic conditions and regulatory changes pose potential risks. Its smaller market share warrants focus on growth strategies to remain competitive.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports
Disclaimers:
The analysis is based on publicly available information and general knowledge of the banking industry. It is not financial advice and should not be used as the sole basis for investment decisions. Market share figures are estimates.
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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