Patriot National Bancorp

NMQ:PNBK · US70336F2039

BanksSmall

360

Medium confidence — indicative

Value32

Profit price—

Cash yield1

Sales & asset price61

Price/Sales37

EV / Gross Profit80

Price/Book65

Quality5

Returns on capital4

Profit margins—

Cash backing4

Accruals1

Owner Earnings Margin6

Growth75

Sales growth74

Profit growth20

Reinvestment79

Price momentum32

Safety44

Debt load95

Debt serviceability42

Liquidity36

Sentiment58

Analyst ratings—

Expectations trend—

Market mood1

Value Creation7/20creating some value

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

Patriot National Bancorp clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA

IndustryBanks

SizeSmall

TypePublic Company

ExchangeNASDAQGM

Founded1999

Websitebankpatriot.com

ISINUS70336F2039

Last UpdateApr 2, 2026

Indices

NASDAQ (USA)

Description

Patriot National Bancorp, Inc. (Patriot) operates as a bank holding company for Patriot Bank, N.A. (the ‘bank’) that provides a full range of banking services to commercial and consumer customers. Business Strategy The company is repositioning its…

Analysis

Story stock

Patriot National Bancorp, Inc. trades at an expensive price on a weak set of business metrics, a combination we flag as a story stock.

Valuation data is not available for this company.

Growth is solid; the safety picture is adequate. The company scores 7/20 on our value-creation score: creating some value.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250

2026

All-time high

Jun 2026

All-time low

Mar 2026

Average rank

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

—

Price/Earnings

—

Price/Book

—

Dividend Yield

—

Value (overall)

—

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →