Patriot National Bancorp, Inc. Logo

Patriot National Bancorp, Inc.

PNBK

(1.8)
Stock Price

1,81 USD

-0.6% ROA

-14.82% ROE

-1.04x PER

Market Cap.

6.520.755,00 USD

461.39% DER

0% Yield

-9.65% NPM

Patriot National Bancorp, Inc. Stock Analysis

Patriot National Bancorp, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Patriot National Bancorp, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.4x), the stock offers substantial upside potential at a bargain price.

2 ROE

The stock's ROE falls within an average range (6.23%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

3 ROA

The stock's ROA (0.3%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

4 Assets Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

5 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

6 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (12) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

7 DER

The company has a high debt to equity ratio (452%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

8 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

9 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

10 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

11 Dividend

Investors should be cautious as the company hasn't distributed dividends in the last three years, possibly indicating financial challenges.

Patriot National Bancorp, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Patriot National Bancorp, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

Patriot National Bancorp, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Patriot National Bancorp, Inc. Revenue
Year Revenue Growth
1994 100.000
1995 1.400.000 92.86%
1996 2.500.000 44%
1997 3.100.000 19.35%
1998 4.100.000 24.39%
1999 6.214.127 34.02%
2000 9.361.816 33.62%
2001 10.365.938 9.69%
2002 11.953.845 13.28%
2003 14.440.187 17.22%
2004 14.371.947 -0.47%
2005 18.108.113 20.63%
2006 22.299.027 18.79%
2007 26.328.762 15.31%
2008 30.229.356 12.9%
2009 21.554.732 -40.24%
2010 24.488.588 11.98%
2011 23.233.343 -5.4%
2012 20.933.369 -10.99%
2013 18.955.000 -10.44%
2014 19.165.000 1.1%
2015 22.552.000 15.02%
2016 23.902.000 5.65%
2017 27.274.000 12.36%
2018 29.531.000 7.64%
2019 27.754.000 -6.4%
2020 25.958.000 -6.92%
2021 29.550.000 12.16%
2022 36.630.000 19.33%
2023 60.280.000 39.23%
2023 64.962.000 7.21%
2024 61.120.000 -6.29%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Patriot National Bancorp, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1994 0
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Patriot National Bancorp, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1994 700.000
1995 800.000 12.5%
1996 1.000.000 20%
1997 1.300.000 23.08%
1998 1.600.000 18.75%
1999 2.699.266 40.72%
2000 4.275.275 36.86%
2001 5.282.441 19.07%
2002 6.418.855 17.7%
2003 7.574.532 15.26%
2004 7.544.055 -0.4%
2005 8.997.255 16.15%
2006 10.436.127 13.79%
2007 11.851.598 11.94%
2008 14.270.471 16.95%
2009 11.879.544 -20.13%
2010 19.653.776 39.56%
2011 17.499.437 -12.31%
2012 14.760.363 -18.56%
2013 10.017.000 -47.35%
2014 10.816.000 7.39%
2015 11.807.000 8.39%
2016 11.655.000 -1.3%
2017 11.148.000 -4.55%
2018 13.144.000 15.19%
2019 17.031.000 22.82%
2020 16.179.000 -5.27%
2021 12.820.000 -26.2%
2022 15.777.000 18.74%
2023 19.612.000 19.55%
2023 17.875.000 -9.72%
2024 20.128.000 11.19%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Patriot National Bancorp, Inc. EBITDA
Year EBITDA Growth
1994 -1.400.000
1995 700.000 300%
1996 2.300.000 69.57%
1997 2.600.000 11.54%
1998 3.800.000 31.58%
1999 5.455.260 30.34%
2000 9.767.377 44.15%
2001 8.775.467 -11.3%
2002 6.980.898 -25.71%
2003 8.816.842 20.82%
2004 9.604.781 8.2%
2005 13.237.650 27.44%
2006 22.630.256 41.5%
2007 33.491.052 32.43%
2008 20.014.134 -67.34%
2009 4.371.563 -357.83%
2010 -185.168 2460.86%
2011 -5.661.371 96.73%
2012 8.106.024 169.84%
2013 -1.558.867 619.99%
2014 5.014.000 131.09%
2015 7.230.000 30.65%
2016 7.354.000 1.69%
2017 15.247.000 51.77%
2018 18.000.000 15.29%
2019 -2.025.000 988.89%
2020 -2.555.000 20.74%
2021 6.648.000 138.43%
2022 18.497.000 64.06%
2023 -20.412.000 190.62%
2023 625.000 3365.92%
2024 -16.020.000 103.9%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Patriot National Bancorp, Inc. Gross Profit
Year Gross Profit Growth
1994 100.000
1995 1.400.000 92.86%
1996 2.500.000 44%
1997 3.100.000 19.35%
1998 4.100.000 24.39%
1999 6.214.127 34.02%
2000 9.361.816 33.62%
2001 10.365.938 9.69%
2002 11.953.845 13.28%
2003 14.440.187 17.22%
2004 14.371.947 -0.47%
2005 18.108.113 20.63%
2006 22.299.027 18.79%
2007 26.328.762 15.31%
2008 30.229.356 12.9%
2009 21.554.732 -40.24%
2010 24.488.588 11.98%
2011 23.233.343 -5.4%
2012 20.933.369 -10.99%
2013 18.955.220 -10.44%
2014 19.165.000 1.09%
2015 22.552.000 15.02%
2016 23.902.000 5.65%
2017 27.274.000 12.36%
2018 29.531.000 7.64%
2019 27.754.000 -6.4%
2020 25.958.000 -6.92%
2021 29.550.000 12.16%
2022 36.630.000 19.33%
2023 60.280.000 39.23%
2023 64.962.000 7.21%
2024 52.868.000 -22.88%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Patriot National Bancorp, Inc. Net Profit
Year Net Profit Growth
1994 -1.500.000
1995 -700.000 -114.29%
1996 300.000 333.33%
1997 300.000 0%
1998 600.000 50%
1999 348.641 -72.1%
2000 767.171 54.55%
2001 876.387 12.46%
2002 1.052.007 16.69%
2003 1.340.720 21.53%
2004 926.397 -44.72%
2005 1.406.626 34.14%
2006 2.415.155 41.76%
2007 2.677.926 9.81%
2008 -7.111.606 137.66%
2009 -23.879.606 70.22%
2010 -15.398.945 -55.07%
2011 -15.459.486 0.39%
2012 -536.164 -2783.35%
2013 -7.607.000 92.95%
2014 15.709.000 148.42%
2015 2.143.000 -633.04%
2016 1.930.000 -11.04%
2017 4.147.000 53.46%
2018 3.042.000 -36.32%
2019 -2.817.000 207.99%
2020 -3.819.000 26.24%
2021 5.094.000 174.97%
2022 6.161.000 17.32%
2023 -15.080.000 140.86%
2023 -4.179.000 -260.85%
2024 -12.324.000 66.09%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Patriot National Bancorp, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1994 -12
1995 -6 -100%
1996 3 400%
1997 3 0%
1998 5 50%
1999 2 -300%
2000 3 66.67%
2001 4 0%
2002 4 25%
2003 6 20%
2004 4 -66.67%
2005 5 40%
2006 7 16.67%
2007 6 -20%
2008 -15 135.71%
2009 -50 72%
2010 -13 -316.67%
2011 -4 -200%
2012 0 0%
2013 -2 100%
2014 4 150%
2015 1 0%
2016 0 0%
2017 1 100%
2018 1 0%
2019 -1 0%
2020 -1 0%
2021 1 100%
2022 2 0%
2023 -4 133.33%
2023 -1 -200%
2024 -3 66.67%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Patriot National Bancorp, Inc. Free Cashflow
Year Free Cashflow Growth
1994 -2.000.000
1995 -2.400.000 16.67%
1996 600.000 500%
1997 200.000 -200%
1998 700.000 71.43%
1999 381.941 -83.27%
2000 969.454 60.6%
2001 1.575.775 38.48%
2002 2.062.408 23.6%
2003 2.098.441 1.72%
2004 877.967 -139.01%
2005 2.072.264 57.63%
2006 2.361.835 12.26%
2007 -888.831 365.72%
2008 -305.513 -190.93%
2009 -10.106.544 96.98%
2010 -3.064.660 -229.78%
2011 -1.661.096 -84.5%
2012 -3.881.000 57.2%
2013 -13.055.411 70.27%
2014 14.116.000 192.49%
2015 -343.000 4215.45%
2016 996.000 134.44%
2017 4.230.000 76.45%
2018 4.443.000 4.79%
2019 -12.467.000 135.64%
2020 6.211.000 300.72%
2021 7.166.000 13.33%
2022 6.622.000 -8.22%
2023 -14.511.000 145.63%
2023 4.260.000 440.63%
2024 -139.172.000 103.06%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Patriot National Bancorp, Inc. Operating Cashflow
Year Operating Cashflow Growth
1994 -1.700.000
1995 -2.300.000 26.09%
1996 700.000 428.57%
1997 400.000 -75%
1998 800.000 50%
1999 915.314 12.6%
2000 1.202.950 23.91%
2001 2.138.865 43.76%
2002 2.154.217 0.71%
2003 3.156.656 31.76%
2004 2.129.335 -48.25%
2005 3.018.183 29.45%
2006 4.228.277 28.62%
2007 4.440.683 4.78%
2008 1.470.454 -201.99%
2009 -9.798.359 115.01%
2010 -2.891.577 -238.86%
2011 -976.067 -196.25%
2012 -3.154.018 69.05%
2013 -4.696.250 32.84%
2014 22.497.000 120.88%
2015 5.893.000 -281.76%
2016 4.525.000 -30.23%
2017 7.290.000 37.93%
2018 5.585.000 -30.53%
2019 -11.915.000 146.87%
2020 6.281.000 289.7%
2021 7.596.000 17.31%
2022 7.036.000 -7.96%
2023 -14.344.000 149.05%
2023 4.672.000 407.02%
2024 -139.122.000 103.36%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Patriot National Bancorp, Inc. Capital Expenditure
Year Capital Expenditure Growth
1994 300.000
1995 100.000 -200%
1996 100.000 0%
1997 200.000 50%
1998 100.000 -100%
1999 533.373 81.25%
2000 233.496 -128.43%
2001 563.090 58.53%
2002 91.809 -513.33%
2003 1.058.215 91.32%
2004 1.251.368 15.44%
2005 945.919 -32.29%
2006 1.866.442 49.32%
2007 5.329.514 64.98%
2008 1.775.967 -200.09%
2009 308.185 -476.27%
2010 173.083 -78.06%
2011 685.029 74.73%
2012 726.982 5.77%
2013 8.359.161 91.3%
2014 8.381.000 0.26%
2015 6.236.000 -34.4%
2016 3.529.000 -76.71%
2017 3.060.000 -15.33%
2018 1.142.000 -167.95%
2019 552.000 -106.88%
2020 70.000 -688.57%
2021 430.000 83.72%
2022 414.000 -3.86%
2023 167.000 -147.9%
2023 412.000 59.47%
2024 50.000 -724%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Patriot National Bancorp, Inc. Equity
Year Equity Growth
1994 5.500.000
1995 4.800.000 -14.58%
1996 5.100.000 5.88%
1997 5.500.000 7.27%
1998 12.100.000 54.55%
1999 13.236.088 8.58%
2000 16.427.436 19.43%
2001 17.406.016 5.62%
2002 18.544.955 6.14%
2003 18.779.913 1.25%
2004 19.756.434 4.94%
2005 31.374.615 37.03%
2006 64.283.345 51.19%
2007 66.835.367 3.82%
2008 58.774.144 -13.72%
2009 35.861.310 -63.89%
2010 67.172.188 46.61%
2011 50.549.660 -32.88%
2012 49.567.798 -1.98%
2013 41.523.000 -19.37%
2014 58.735.000 29.3%
2015 61.464.000 4.44%
2016 62.570.000 1.77%
2017 66.749.000 6.26%
2018 69.186.000 3.52%
2019 66.994.000 -3.27%
2020 63.219.000 -5.97%
2021 67.344.000 6.13%
2022 59.583.000 -13.03%
2023 44.383.000 -34.25%
2023 39.974.000 -11.03%
2024 40.527.000 1.36%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Patriot National Bancorp, Inc. Assets
Year Assets Growth
1994 23.000.000
1995 43.300.000 46.88%
1996 53.600.000 19.22%
1997 75.100.000 28.63%
1998 102.300.000 26.59%
1999 177.194.697 42.27%
2000 197.628.127 10.34%
2001 202.569.457 2.44%
2002 248.496.753 18.48%
2003 342.469.049 27.44%
2004 405.046.955 15.45%
2005 470.641.162 13.94%
2006 645.982.795 27.14%
2007 807.530.254 20.01%
2008 913.358.978 11.59%
2009 866.416.921 -5.42%
2010 784.324.854 -10.47%
2011 665.816.278 -17.8%
2012 617.855.135 -7.76%
2013 540.930.000 -14.22%
2014 632.624.000 14.49%
2015 653.531.000 3.2%
2016 756.654.000 13.63%
2017 852.080.000 11.2%
2018 951.542.000 10.45%
2019 979.836.000 2.89%
2020 880.729.000 -11.25%
2021 948.481.000 7.14%
2022 1.043.359.000 9.09%
2023 1.094.913.000 4.71%
2023 1.136.731.000 3.68%
2024 1.039.012.000 -9.4%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Patriot National Bancorp, Inc. Liabilities
Year Liabilities Growth
1994 800.000
1995 800.000 0%
1996 700.000 -14.29%
1997 700.000 0%
1998 600.000 -16.67%
1999 888.687 32.48%
2000 181.200.691 99.51%
2001 185.163.441 2.14%
2002 229.951.798 19.48%
2003 323.689.136 28.96%
2004 385.290.521 15.99%
2005 439.266.547 12.29%
2006 581.699.450 24.49%
2007 740.694.887 21.47%
2008 854.584.834 13.33%
2009 830.555.611 -2.89%
2010 717.152.666 -15.81%
2011 615.266.618 -16.56%
2012 568.287.337 -8.27%
2013 499.407.000 -13.79%
2014 573.889.000 12.98%
2015 592.067.000 3.07%
2016 694.084.000 14.7%
2017 785.331.000 11.62%
2018 882.356.000 11%
2019 130.900.000 -574.07%
2020 120.813.000 -8.35%
2021 120.721.000 -0.08%
2022 983.776.000 87.73%
2023 1.050.530.000 6.35%
2023 245.114.000 -328.59%
2024 998.485.000 75.45%

Patriot National Bancorp, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
16.27
Net Income per Share
-1.57
Price to Earning Ratio
-1.04x
Price To Sales Ratio
0.1x
POCF Ratio
-0.04
PFCF Ratio
-0.04
Price to Book Ratio
0.16
EV to Sales
1.54
EV Over EBITDA
-9.22
EV to Operating CashFlow
-0.65
EV to FreeCashFlow
-0.65
Earnings Yield
-0.96
FreeCashFlow Yield
-23.72
Market Cap
0,01 Bil.
Enterprise Value
0,10 Bil.
Graham Number
18.98
Graham NetNet
-312.33

Income Statement Metrics

Net Income per Share
-1.57
Income Quality
22.18
ROE
-0.15
Return On Assets
-0.01
Return On Capital Employed
-0.01
Net Income per EBT
0.77
EBT Per Ebit
1.23
Ebit per Revenue
-0.1
Effective Tax Rate
0.23

Margins

Sales, General, & Administrative to Revenue
0.28
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.93
Operating Profit Margin
-0.1
Pretax Profit Margin
-0.12
Net Profit Margin
-0.1

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
-0.11
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
-38.83
Free CashFlow per Share
-38.9
Capex to Operating CashFlow
-0
Capex to Revenue
0
Capex to Depreciation
0.22
Return on Invested Capital
-0.02
Return on Tangible Assets
-0.01
Days Sales Outstanding
36.4
Days Payables Outstanding
0
Days of Inventory on Hand
-72571.99
Receivables Turnover
10.03
Payables Turnover
0
Inventory Turnover
-0.01
Capex per Share
0.07

Balance Sheet

Cash per Share
45,34
Book Value per Share
10,19
Tangible Book Value per Share
10.15
Shareholders Equity per Share
10.19
Interest Debt per Share
55.58
Debt to Equity
4.61
Debt to Assets
0.18
Net Debt to EBITDA
-8.62
Current Ratio
0.39
Tangible Asset Value
0,04 Bil.
Net Current Asset Value
-0,90 Bil.
Invested Capital
-132213000
Working Capital
-0,16 Bil.
Intangibles to Total Assets
0
Average Receivables
0,01 Bil.
Average Payables
0,00 Bil.
Average Inventory
-875053000
Debt to Market Cap
28.68

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Patriot National Bancorp, Inc. Dividends
Year Dividends Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2017 0 0%
2018 0 0%
2019 0 0%

Patriot National Bancorp, Inc. Profile

About Patriot National Bancorp, Inc.

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, savings, prepaid deposit, on-line 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 operated through a network of eight branch offices located in Fairfield and New Haven Counties, Connecticut; and one branch offices located in Westchester County, New York. The company was founded in 1994 and is headquartered in Stamford, Connecticut.

CEO
Mr. David Christopher Lowery
Employee
117
Address
900 Bedford Street
Stamford, 06901

Patriot National Bancorp, Inc. Executives & BODs

Patriot National Bancorp, Inc. Executives & BODs
# Name Age
1 Mr. Patrick Trombly
Senior Vice President & Deputy Chief Credit Officer
70
2 Mr. Frederick K. Staudmyer
Secretary & Chief Human Resources Officer
70
3 Mr. David Christopher Lowery
President, Chief Executive Officer & Director
70
4 Ms. Susan Raizer
Vice President & Senior Underwriter
70
5 Mr. Alfred Botta Jr.
Executive Vice President & Chief Payments Officer of Patriot Bank, National Association
70

Patriot National Bancorp, Inc. Competitors