PATRIOT NATIONAL BANCORP INC

PNBK

PATRIOT NATIONAL BANCORP INC

PNBK

Insider Sentiment (TTM):

Last Purchase:2026-05-27Last Sale:-Shares Purchased (TTM):173,119Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:22,398,943Shares Outstanding:115,275,211Institutional Ownership Pct.:19.43%

Earnings Market Reaction:

Filing Date:2026-08-14Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Cash And Due From Banks
Cash And Due From Banks	3	5	2	2	3	3	3	3	3	2	2	2
Interest Bearing Deposits In Banks	114	88	184	179	185	119	144	70	91	62	50	77
Restricted Cash	5	16	21	21	15	15	15	0	0	29	14	-
Cash And Cash Equivalents At Carrying Value	122	109	207	202	203	136	163	73	94	93	67	79
Debt Securities Available For Sale Excluding Accru…	240	243	225	-	-	-	80	-	-	-	89	-
Other Investments	-	-	0	0	4	4	4	4	4	4	4	4
Investments
Investments	-	-	225	106	85	85	84	94	91	92	94	90
Available For Sale Securities Debt Securities	-	-	-	106	81	81	-	90	87	88	89	86
Federal Reserve Bank Stock	3	3	3	2	2	1	1	2	2	2	2	2
Federal Home Loan Bank Stock	1	1	1	1	1	1	1	3	4	3	4	5
Financing Receivable Excluding Accrued Interest Af…	-	751	586	581	580	667	700	741	761	797	833	864
Loans Receivable Held For Sale Amount	24	20	25	18	15	21	16	14	14	14	21	22
Property Plant And Equipment Net	28	28	28	28	28	29	29	29	29	30	30	30
Other Real Estate	-	-	0	0	3	3	3	3	3	3	3	-
Deferred Income Tax Assets Net	-	0	0	-	-	-	0	0	25	24	24	26
Finite Lived Intangible Assets Net	0	0	0	0	0	0	0	0	0	0	0	0
Goodwill	-	-	-	-	-	-	-	-	-	-	0	1
Other Assets	16	14	9	8	8	9	10	9	9	9	9	9
Assets	1,318	1,177	1,088	951	930	957	1,012	974	1,039	1,073	1,093	1,137
Liabilities
Deposits
Noninterest Bearing Deposit Liabilities Domestic	150	82	107	88	107	80	119	92	94	109	110	136
Deposits Domestic	1,201	1,048	966	831	831	862	967	825	801	860	840	837
Liabilities And Stockhold…
Interest Bearing Deposit Liabilities Domestic	1,050	966	859	743	724	782	847	733	707	750	730	701
Federal Home Loan Bank Advances Long Term	0	10	0	0	0	0	3	94	157	131	171	215
Senior Notes	-	-	0	0	6	8	12	12	12	12	12	12
Subordinated Debt	8	8	8	8	8	8	10	10	10	10	10	10
Junior Subordinated Debenture Owed To Unconsolidat…	8	8	8	8	8	8	8	8	8	8	8	8
Notes Payable To Bank	-	-	0	0	0	0	0	0	0	0	0	0
Advance Payments By Borrowers For Taxes And Insura…	2	2	1	2	3	3	1	3	3	3	1	3
Other Accrued Liabilities Current And Noncurrent	9	10	10	6	8	10	7	6	8	6	6	12
Liabilities	1,229	1,087	993	856	864	899	1,008	958	998	1,030	1,049	1,097
Common Stock Value	1	1	1	204	169	156	0	107	107	107	107	107
Additional Paid In Capital Common Stock	207	206	206	203	-	-	108	-	-	-	-	-
Stockholders Equity
Retained Earnings Accumulated Deficit	-101	-101	-100	-97	-95	-90	-87	-77	-50	-47	-47	-48
Stockholders Equity	89	90	95	95	66	57	4	16	41	44	44	40
Treasury Stock Common Value	-1	-1	-1	-	-	-	-1	-	-	-	-	-
Accumulated Other Comprehensive Income Loss Net Of…	-16	-14	-12	-12	-13	-14	-16	-13	-16	-16	-15	-19
Preferred Stock Value	-	-	-	-	5	5	0	0	0	0	0	0
Liabilities And Stockholders Equity	1,318	1,177	1,088	951	930	957	1,012	974	1,039	1,073	1,093	1,137
Voting Common Stock	-	-	-	170	-	-	-	-	-	-	-	-
Nonvoting Common Stock	-	-	-	30	-	-	-	-	-	-	-	-
Financing Receivable Allowance For Credit Loss Exc…	-	-8	-7	7	-8	-7	-7	15	-15	-14	-16	-26
Preferred Stock Par Or Stated Value Per Share	-	-	-	-	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	-	-	0	-	1	1	0	1	1	1	1	1
Common Stock Shares Authorized	200	200	200	200	100	100	200	100	100	100	100	100
Common Stock Shares Issued	118	117	115	115	86	74	4	4	4	4	4	4
Preferred Stock Shares Issued	-	-	0	-	0	0	0	0	0	0	0	0
Shares Outstanding	118	117	115	115	86	74	4	4	4	4	4	4
Common Stocks Including Additional Paid In Capital	-	-	-	1	-	-	-	-	-	-	-	-
Preferred Stock Shares Outstanding	-	-	0	-	0	0	0	0	0	0	0	0

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-1.87%	26.17%	1.87%	-	-	-	-	-	-	-	-	-
2025	-80.28%	-77.17%	-76.24%	-5.88%	-13.07%	-22.22%	22.52%	50.45%	38.74%	1.55%	-17.05%	-17.05%
2024	-44.41%	-51.12%	-51.96%	0.00%	10.29%	-10.29%	15.90%	-8.72%	-25.64%	167.31%	-18.59%	-5.77%
2023	-	-	-	-	-	-	-23.73%	-30.51%	-23.56%	-9.12%	-39.68%	-46.11%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-1.29	-1.52	-1.66	-2.12	-2.10	-1.10	-0.34	0.49	0.75	0.85	0.82	0.85
Per Share Metrics
Diluted EPS TTM	-0.06	-0.10	-0.17	-0.20	-0.57	-3.19	-10.03	-7.40	-1.57	-0.95	-1.05	-0.84
Free Cash Flow Per Share TTM	-0.16	-0.10	-0.19	-0.13	-0.13	-0.39	0.61	1.24	-1.74	-2.28	-2.81	-0.91
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Margin Metrics
Gross Profit Margin TTM	49.15%	44.45%	39.95%	37.16%	36.17%	36.59%	38.34%	15.37%	17.43%	21.35%	25.90%	54.87%
Operating Profit Margin TTM	-14.47%	-23.22%	-26.44%	-41.82%	-40.02%	-36.61%	-30.74%	-9.60%	-14.10%	-8.28%	-9.55%	-7.73%
Net Profit Margin TTM	-11.91%	-23.37%	-26.57%	-41.71%	-90.03%	-83.21%	-76.17%	-53.54%	-10.91%	-6.37%	-7.09%	-5.71%
Growth Metrics
Net Revenue Growth (1Y)	11.70%	-1.75%	-8.63%	-12.82%	-14.04%	-14.17%	-11.19%	-5.22%	4.11%	20.22%	33.96%	50.40%
Net Income Growth (1Y)	-85.22%	-72.41%	-68.13%	-32.10%	609.05%	1,020.93%	854.34%	788.02%	-324.48%	-181.06%	-167.83%	-152.72%
EPS Growth (1Y)	-90.17%	-96.82%	-98.35%	-97.30%	-63.91%	235.37%	851.73%	785.59%	-323.86%	-180.84%	-167.69%	-152.62%
Valuation Metrics
P/E TTM	-17.23	-12.72	-11.00	-6.50	-2.68	-0.36	-0.19	-0.26	-1.19	-3.95	-3.63	-8.85
P/B TTM	1.27	1.65	1.48	1.37	1.79	0.27	1.81	0.46	0.18	0.34	0.34	0.73
P/S TTM	2.05	2.97	2.92	2.71	2.41	0.30	0.15	0.14	0.13	0.25	0.26	0.51
Market Cap	112.78M	148.71M	139.80M	129.92M	118.75M	15.42M	7.71M	7.55M	7.44M	14.91M	15.19M	29.34M
Enterprise Value	-8.73M	39.51M	-67.33M	-71.61M	-78.42M	-113.18M	-143.04M	-53.39M	-74.42M	-66.11M	-39.63M	-37.90M
Calculated Values
Free Cash Flow TTM	-18.50M	-11.92M	-14.34M	-12.89M	-10.28M	-5.21M	2.43M	4.92M	-6.94M	-9.06M	-11.13M	-3.62M
Net Debt	-121.51M	-109.19M	-207.13M	-201.53M	-197.17M	-128.59M	-150.75M	-60.95M	-81.86M	-81.02M	-54.81M	-67.24M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-05-27Purchase

Owner: De, Tomasi Mario

Title: -

Shares: 85,000

Price/Share: $0.96

Value: $81,600.00

Shares Owned: 187,719

Relationship: Director

Ownership: Direct

2026-05-20Purchase

Owner: De, Tomasi Mario

Title: -

Shares: 87,719

Price/Share: $1.15

Value: $100,876.85

Shares Owned: 102,719

Relationship: Director

Ownership: Direct

2026-03-03Purchase

Owner: Magzanyan, Anahit

Title: -

Shares: 400

Price/Share: -

Value: -

Shares Owned: 4,290

Relationship: Director

Ownership: Direct

2025-05-13Purchase

Owner: Carrazza, Michael A.

Title: Chairman of the Board

Shares: 865,990

Price/Share: $0.75

Value: $649,492.50

Shares Owned: 865,990

Relationship: Director,Officer

Ownership: Indirect

2025-03-20Purchase

Owner: Sugarman, Steven

Title: President

Shares: 7,019,978

Price/Share: $0.75

Value: $5,264,983.50

Shares Owned: 7,019,978

Relationship: Director,Officer

Ownership: Indirect

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-05-27	De, Tomasi Mario	Director	-	Direct	Purchase	85,000	0.96	$81,600.00	187,719	4
2026-05-20	De, Tomasi Mario	Director	-	Direct	Purchase	87,719	1.15	$100,876.85	102,719	4
2026-03-03	Magzanyan, Anahit	Director	-	Direct	Purchase	400	-	-	4,290	4
2025-05-13	Carrazza, Michael A.	Director,Officer	Chairman of the Board	Indirect	Purchase	865,990	0.75	$649,492.50	865,990	4
2025-03-20	Sugarman, Steven	Director,Officer	President	Indirect	Purchase	7,019,978	0.75	$5,264,983.50	7,019,978	4
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Institutional Ownership

No data available for chart

2026-03-31

19.43%

Inst. Shares: 22,398,943

Shares Outstanding: 115,275,211

2025-12-31

21.70%

Inst. Shares: 16,671,769

Shares Outstanding: 76,812,476

2025-09-30

10.76%

Inst. Shares: 10,754,543

Shares Outstanding: 99,937,915

2025-06-30

29.21%

Inst. Shares: 22,820,783

Shares Outstanding: 78,123,095

2025-03-31

28.75%

Inst. Shares: 3,820,761

Shares Outstanding: 13,289,644

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	22,398,943	115,275,211	19.43%
2025-12-31	16,671,769	76,812,476	21.70%
2025-09-30	10,754,543	99,937,915	10.76%
2025-06-30	22,820,783	78,123,095	29.21%
2025-03-31	3,820,761	13,289,644	28.75%
2024-12-31	808,341	3,976,224	20.33%
2024-09-30	1,021,096	3,976,073	25.68%
2024-06-30	1,389,184	3,976,073	34.94%
2024-03-31	1,538,326	3,976,073	38.69%
2023-12-31	1,554,394	3,965,324	39.20%
2023-09-30	1,589,724	3,965,186	40.09%
2023-06-30	1,540,482	3,965,186	38.85%
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PATRIOT NATIONAL BANCORP INC (PNBK) — SEC Financial Statements & Analysis

PATRIOT NATIONAL BANCORP INC (PNBK) is a national commercial banks company, incorporated in CT. PATRIOT NATIONAL BANCORP INC trades on Nasdaq as: PNBK. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), PATRIOT NATIONAL BANCORP INC reported a 11.70% year-over-year revenue growth, a Gross Profit Margin of 49.15% (TTM), a Price-to-Sales (P/S) ratio of 2.05x (TTM), a Price-to-Book (P/B) ratio of 1.27x (TTM), at a market cap of $112.78M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 11.70%
Gross Profit Margin TTM: 49.15%
P/S TTM: 2.05x
P/B TTM: 1.27x
Market Cap: $112.78M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is PATRIOT NATIONAL BANCORP INC in?

PATRIOT NATIONAL BANCORP INC (PNBK) operates in the National Commercial Banks industry.

What is PNBK's market cap?

PATRIOT NATIONAL BANCORP INC (PNBK) has a market capitalization of $112.78M as of 2026-06-30.

What exchange does PNBK trade on?

PATRIOT NATIONAL BANCORP INC (PNBK) trades on the Nasdaq.

Where is PATRIOT NATIONAL BANCORP INC incorporated?

PATRIOT NATIONAL BANCORP INC is incorporated in CT.