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PATRIOT NATIONAL BANCORP INC (PNBK) Stock Fundamental Analysis

NASDAQ:PNBK - Nasdaq - US70336F2039 - Common Stock - Currency: USD

1.85  -0.5 (-21.28%)

After market: 1.89 +0.04 (+2.16%)

Fundamental Rating

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We assign a fundamental rating of 1 out of 10 to PNBK. PNBK was compared to 404 industry peers in the Banks industry. PNBK has a bad profitability rating. Also its financial health evaluation is rather negative. PNBK is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

In the past year PNBK has reported negative net income.
In the past year PNBK had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: PNBK reported negative net income in multiple years.
The reported operating cash flow has been mixed in the past 5 years: PNBK reported negative operating cash flow in multiple years.
PNBK Yearly Net Income VS EBIT VS OCF VS FCFPNBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5M -5M -10M

1.2 Ratios

PNBK has a worse Return On Assets (-3.02%) than 99.25% of its industry peers.
PNBK has a worse Return On Equity (-179.60%) than 99.75% of its industry peers.
Industry RankSector Rank
ROA -3.02%
ROE -179.6%
ROIC N/A
ROA(3y)0.25%
ROA(5y)0%
ROE(3y)2.83%
ROE(5y)-0.35%
ROIC(3y)N/A
ROIC(5y)N/A
PNBK Yearly ROA, ROE, ROICPNBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5 -5 10

1.3 Margins

PNBK does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
PNBK Yearly Profit, Operating, Gross MarginsPNBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10 -10

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2. Health

2.1 Basic Checks

PNBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for PNBK has been reduced compared to 1 year ago.
PNBK has more shares outstanding than it did 5 years ago.
PNBK has a better debt/assets ratio than last year.
PNBK Yearly Shares OutstandingPNBK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 0 0 0 0
PNBK Yearly Total Debt VS Total AssetsPNBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M 1B

2.2 Solvency

PNBK has a debt to FCF ratio of 6.11. This is a slightly negative value and a sign of low solvency as PNBK would need 6.11 years to pay back of all of its debts.
PNBK has a worse Debt to FCF ratio (6.11) than 67.09% of its industry peers.
PNBK has a Debt/Equity ratio of 1.84. This is a high value indicating a heavy dependency on external financing.
PNBK has a Debt to Equity ratio of 1.84. This is amonst the worse of the industry: PNBK underperforms 91.21% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.84
Debt/FCF 6.11
Altman-Z N/A
ROIC/WACCN/A
WACC14.93%
PNBK Yearly LT Debt VS Equity VS FCFPNBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20M 40M 60M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PNBK Yearly Current Assets VS Current LiabilitesPNBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M 8M 10M

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3. Growth

3.1 Past

The earnings per share for PNBK have decreased strongly by -783.28% in the last year.
The Revenue for PNBK has decreased by -13.13% in the past year. This is quite bad
The Revenue has been growing slightly by 3.09% on average over the past years.
EPS 1Y (TTM)-783.28%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-615.54%
Revenue 1Y (TTM)-13.13%
Revenue growth 3Y9.71%
Revenue growth 5Y3.09%
Sales Q2Q%-7.61%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
PNBK Yearly Revenue VS EstimatesPNBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M
PNBK Yearly EPS VS EstimatesPNBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 0.5 1

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for PNBK. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A
PNBK Price Earnings VS Forward Price EarningsPNBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

99.25% of the companies in the same industry are more expensive than PNBK, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 1.49
EV/EBITDA N/A
PNBK Per share dataPNBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

PNBK does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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PATRIOT NATIONAL BANCORP INC

NASDAQ:PNBK (2/12/2025, 8:00:00 PM)

After market: 1.89 +0.04 (+2.16%)

1.85

-0.5 (-21.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-12 2024-11-12
Earnings (Next)03-31 2025-03-31
Inst Owners31.86%
Inst Owner Change-39.42%
Ins Owners23.16%
Ins Owner Change0%
Market Cap7.36M
Analysts43.33
Price TargetN/A
Short Float %2.92%
Short Ratio1.89
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.24
P/FCF 1.49
P/OCF 1.45
P/B 0.45
P/tB 0.45
EV/EBITDA N/A
EPS(TTM)-7.42
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.24
FCFY66.9%
OCF(TTM)1.28
OCFY69.13%
SpS7.86
BVpS4.12
TBVpS4.07
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -3.02%
ROE -179.6%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 15.75%
ROA(3y)0.25%
ROA(5y)0%
ROE(3y)2.83%
ROE(5y)-0.35%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 1.84
Debt/FCF 6.11
Debt/EBITDA N/A
Cap/Depr 14.17%
Cap/Sales 0.52%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC14.93%
ROIC/WACCN/A
Cap/Depr(3y)30.12%
Cap/Depr(5y)25.5%
Cap/Sales(3y)1.25%
Cap/Sales(5y)1.2%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-783.28%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-615.54%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-13.13%
Revenue growth 3Y9.71%
Revenue growth 5Y3.09%
Sales Q2Q%-7.61%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y63.11%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y49.27%
OCF growth 3YN/A
OCF growth 5YN/A