NASDAQ: PNBK
Patriot National Bancorp Inc Stock

$0.97+0.03 (+3.19%)
Updated Jun 12, 2026
PNBK Price
$0.97
Fair Value Price
$2.16
Market Cap
$114.14M
52 Week Low
$0.86
52 Week High
$2.00
P/E
-8.08x
P/B
1.27x
P/S
4.62x
PEG
N/A
Dividend Yield
N/A
Revenue
$32.68M
Earnings
-$11.69M
Gross Margin
100%
Operating Margin
-35.55%
Profit Margin
-35.8%
Debt to Equity
12.05
Operating Cash Flow
-$11M
Beta
0.45
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A

PNBK Overview

Patriot National Bancorp, Inc. functions as the parent company for Patriot Bank, N.A., providing a full spectrum of community banking solutions. Its services cater to individuals, small and medium-sized businesses, and professionals. The bank offers a diverse range of deposit products, including standard checking accounts, interest-bearing negotiable order of withdrawal (NOW) accounts, money market accounts, savings accounts, and prepaid deposit accounts. Specialized options like online national money market accounts, individual retirement accounts (IRAs), and health savings accounts (HSAs) are also available, alongside certificate of deposit account registry service (CDARS). In terms of lending, Patriot National Bancorp's portfolio comprises commercial real estate loans, business loans (including Small Business Administration-backed options), construction financing, purchased residential real estate mortgages, and various consumer loan products. Beyond core banking, the company facilitates automated clearing house (ACH) transfers, lockbox services, comprehensive internet banking with bill payment capabilities, remote deposit capture, debit cards, money orders, traveler's checks, and automated teller machine (ATM) access. The company operates nine physical branches: eight are located across Fairfield and New Haven Counties in Connecticut, with an additional branch in Westchester County, New York. Founded in 1994, Patriot National Bancorp, Inc. is headquartered in Stamford, Connecticut.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine PNBK's potential to beat the market

CHold
  • Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More

Zen Rating Component Grades

D
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Bank

Industry Rating
D
PNBK
Ranked
#200 of 283

Top Ranked Stocks in Industry

View Top Bank Stocks

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Overview

Due Diligence Score

Industry Average (38)
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Due Diligence Checks

PNBK ($0.97) is undervalued by 55.04% relative to our estimate of its Fair Value price of $2.16 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
PNBK ($0.97) is significantly undervalued by 55.04% relative to our estimate of its Fair Value price of $2.16 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
PNBK is unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more PNBK due diligence checks available for Premium users.

Valuation

PNBK fair value

Fair Value of PNBK stock based on Discounted Cash Flow (DCF)

Price
$0.97
Fair Value
$2.16
Undervalued by
55.04%
PNBK ($0.97) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
PNBK ($0.97) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
PNBK is unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

PNBK price to earnings (PE)

For valuing profitable companies with steady earnings

Company
-8.08x
Industry
13.98x
Market
14.15x

PNBK price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
1.27x
Industry
1.28x
PNBK is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

PNBK's financial health

Profit margin

Revenue
$10.5M
Net Income
-$1.8M
Profit Margin
-16.7%
PNBK's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$1.2B
Liabilities
$1.1B
Debt to equity
12.05
PNBK's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
PNBK's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
-$2.9M
Investing
-$186.2M
Financing
$91.1M

PNBK vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
PNBKC$114.14M+3.74%-8.08x1.27x
BOTJB$112.49M-0.10%10.23x1.38x
SFBCC$111.96M+0.88%14.84x1.01x
BSBK$116.33M-0.11%50.28x0.82x
MGYR$110.19M-0.35%9.42x0.89x

Patriot National Bancorp Stock FAQ

What is Patriot National Bancorp's quote symbol?

(NASDAQ: PNBK) Patriot National Bancorp trades on the NASDAQ under the ticker symbol PNBK. Patriot National Bancorp stock quotes can also be displayed as NASDAQ: PNBK.

If you're new to stock investing, here's how to buy Patriot National Bancorp stock.

What is the 52 week high and low for Patriot National Bancorp (NASDAQ: PNBK)?

(NASDAQ: PNBK) Patriot National Bancorp's 52-week high was $2.00, and its 52-week low was $0.86. It is currently -51.5% from its 52-week high and 12.4% from its 52-week low.

How much is Patriot National Bancorp stock worth today?

(NASDAQ: PNBK) Patriot National Bancorp currently has 117,669,652 outstanding shares. With Patriot National Bancorp stock trading at $0.97 per share, the total value of Patriot National Bancorp stock (market capitalization) is $114.14M.

Patriot National Bancorp stock was originally listed at a price of $67.50 in Dec 31, 1997. If you had invested in Patriot National Bancorp stock at $67.50, your return over the last 28 years would have been -98.56%, for an annualized return of -14.06% (not including any dividends or dividend reinvestments).

How much is Patriot National Bancorp's stock price per share?

(NASDAQ: PNBK) Patriot National Bancorp stock price per share is $0.97 today (as of Jun 12, 2026).

What is Patriot National Bancorp's Market Cap?

(NASDAQ: PNBK) Patriot National Bancorp's market cap is $114.14M, as of Jun 15, 2026.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Patriot National Bancorp's market cap is calculated by multiplying PNBK's current stock price of $0.97 by PNBK's total outstanding shares of 117,669,652.
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