Patriot National Bancorp Inc

Patriot National Bancorp Inc has a market price of $1.12, resulting in a market capitalization of $131.14 million. The company's price-to-book ratio is 3.01, and its enterprise value to revenue is 29.84, indicating a premium valuation relative to its book value and revenue. The company's liquidity is assessed as medium, with a negative net cash position after subtracting total debt.

The company reported a net loss of $299,000 in the latest period, with a return on equity of -0.69% and a return on assets of -0.03%, both significantly below the industry median for profitability metrics. The debt-to-equity ratio of 0.69 suggests a moderate level of leverage, but the negative net income raises concerns about its ability to service debt and generate returns for shareholders.

Patriot National Bancorp Inc's revenue is concentrated in the United States, with no disclosed international operations. The company's business is primarily driven by domestic banking services, and there is no indication of significant diversification across geographic regions or business segments.

The company's revenue in the latest period was $5.40 million, and the outlook for the current fiscal year is uncertain due to the reported net loss. The company's operating cash flow was $1.80 million, but its free cash flow was negative at -$44,000, indicating limited cash generation after capital expenditures.

The risk assessment for Patriot National Bancorp Inc highlights a medium liquidity risk and a low dilution risk. The company's negative net cash position after subtracting total debt is a key flag, suggesting potential challenges in maintaining liquidity. There is no indication of recent dilutive events, and the number of shares outstanding has remained unchanged.

Recent filings and transcripts do not indicate any major strategic shifts or operational changes. The company's ESG profile includes a Social pillar score of 9.09 and a Governance pillar score of 21.02, with an ESG controversies score of 100.00, indicating no major controversies.

Patriot National Bancorp Inc (PNBK.O) has entered the scope of active monitoring, marking the first analysis for this ticker with no prior basis for delta computation. This initial snapshot reveals a shareholder base comprising 17 top holders, providing a foundational view of the company's ownership structure. The most material development in this initial review is the detection of multiple notable additions to the company's holder list. These changes were detected on June 20, 2026, indicating fresh institutional or significant investor interest across various reporting periods. Specifically, new holdings were recorded as of December 31, 2025, and March 31, 2026. One investor added 1,766,896 shares valued at approximately $3.22 million as of late 2025, while several other investors established positions totaling hundreds of thousands of shares in the first quarter of 2026. These additions matter as they establish the baseline for future tracking of capital flows into Patriot National Bancorp. With only one officer and one analyst currently associated with the company in this dataset, the emergence of these 17 top holders provides critical early insight into the stock's liquidity and investor sentiment.

Equity grew 113.3% year-over-year, indicating significant capital strengthening despite recent net income losses.

Total assets increased with a 1.8% CAGR over five years, showing modest balance sheet expansion.

The company maintains a low leverage band with a debt-to-equity ratio of 0.17.

Return on equity is negative at -0.69%, placing the bank in the bottom quartile of its cohort.

Revenue $5.0M, +0,2% YoY; Net income +90,1% YoY.

• ▍Revenue $5.0M, +0,2% YoY
• ▍Net income +90,1% YoY
• ▍Free cash flow +90,9% YoY
• ▍Net margin -53.0%

Revenue $4.2M, −16,6% YoY; Net income −62,3% YoY.

• ▍Revenue $4.2M, −16,6% YoY
• ▍Net income −62,3% YoY
• ▍Free cash flow −65,4% YoY
• ▍Net margin -119.4%

Revenue $4.0M, −26,8% YoY; Net income −828,8% YoY.

• ▍Revenue $4.0M, −26,8% YoY
• ▍Net income −828,8% YoY
• ▍Free cash flow −5 775,0% YoY
• ▍Net margin -70.2%

Revenue $4.7M; Net margin -205.3%.

• ▍Revenue $4.7M
• ▍Net margin -205.3%

Revenue $5.0M; Net margin -539.2%.

• ▍Revenue $5.0M
• ▍Net margin -539.2%

Revenue $5.0M; Net margin -61.3%.

• ▍Revenue $5.0M
• ▍Net margin -61.3%

Revenue $5.4M; Net margin -5.5%.

• ▍Revenue $5.4M
• ▍Net margin -5.5%

Revenue $20.1M, −29,6% YoY; Net income −854,3% YoY.

• ▍Revenue $20.1M, −29,6% YoY
• ▍Net income −854,3% YoY
• ▍Free cash flow −1 059,6% YoY
• ▍Net margin -198.6%