Patriot National Bancorp, Inc. logo

Patriot National Bancorp, Inc.

PNBK

NASDAQFinancial ServicesBanks - Regional

Previous close

$1.03

$0.00 · 0.00%

Aug 21, 4:00 PM ET

PNBK company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

65

Undervalued

Momentum

42

Neutral

Sentiment

68

Bullish

Risk resilience

39

High Risk

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Company profile

Company website

Patriot National Bancorp, Inc. functions as the parent company for Patriot Bank, N.A., providing a full spectrum of community banking solutions. Its services cater to individuals, small and medium-sized businesses, and professionals. The bank offers a diverse range of deposit products, including standard checking accounts, interest-bearing negotiable order of withdrawal (NOW) accounts, money market accounts, savings accounts, and prepaid deposit accounts. Specialized options like online national money market accounts, individual retirement accounts (IRAs), and health savings accounts (HSAs) are also available, alongside certificate of deposit account registry service (CDARS). In terms of lending, Patriot National Bancorp's portfolio comprises commercial real estate loans, business loans (including Small Business Administration-backed options), construction financing, purchased residential real estate mortgages, and various consumer loan products. Beyond core banking, the company facilitates automated clearing house (ACH) transfers, lockbox services, comprehensive internet banking with bill payment capabilities, remote deposit capture, debit cards, money orders, traveler's checks, and automated teller machine (ATM) access. The company operates nine physical branches: eight are located across Fairfield and New Haven Counties in Connecticut, with an additional branch in Westchester County, New York. Founded in 1994, Patriot National Bancorp, Inc. is headquartered in Stamford, Connecticut.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Steven Alan Sugarman
Listed since
Aug 31, 1994
Employees
107

Market position

Day range

Current $1.03

52-week range

Current $1.03

Open
$1.05
Previous close
$1.03
Volume
251.39K
0.59× average
Average volume
424.97K
Average daily volume
Market cap
121.12M USD
Beta
-0.66
Market reference 1
50-day average
$1.1088
-7.11% below average
200-day average
$1.2927
-20.32% below average

Financials

Financial snapshot

Latest / TTM

Financial health

Altman Z-score
1.01
Piotroski F-score
2 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends97%38%-21%-81%Gross margin, FY2021: 82.01%Gross margin, FY2022: 73.33%Gross margin, FY2023: 41.45%Gross margin, FY2024: 26.12%Gross margin, FY2025: 48.01%Operating margin, FY2021: 13.68%Operating margin, FY2022: 16.37%Operating margin, FY2023: -8.71%Operating margin, FY2024: -26.58%Operating margin, FY2025: -21.75%Net margin, FY2021: 13.90%Net margin, FY2022: 13.00%Net margin, FY2023: -6.46%Net margin, FY2024: -65.86%Net margin, FY2025: -21.85%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 82.01%. Gross margin FY2022 73.33%. Gross margin FY2023 41.45%. Gross margin FY2024 26.12%. Gross margin FY2025 48.01%. Operating margin FY2021 13.68%. Operating margin FY2022 16.37%. Operating margin FY2023 -8.71%. Operating margin FY2024 -26.58%. Operating margin FY2025 -21.75%. Net margin FY2021 13.90%. Net margin FY2022 13.00%. Net margin FY2023 -6.46%. Net margin FY2024 -65.86%. Net margin FY2025 -21.85%.

Income trends

Revenue

58.16M USD-3.96%

Operating income

−12.65M USD+21.41%

Net income

−12.71M USD+68.13%
Income trends across reported periods75.16M USD33.33M USD−8.51M USD−50.34M USDRevenue, FY2021: 36.64M USDRevenue, FY2022: 47.38M USDRevenue, FY2023: 64.7M USDRevenue, FY2024: 60.56M USDRevenue, FY2025: 58.16M USDOperating income, FY2021: 5.01M USDOperating income, FY2022: 7.76M USDOperating income, FY2023: −5.63M USDOperating income, FY2024: −16.1M USDOperating income, FY2025: −12.65M USDNet income, FY2021: 5.09M USDNet income, FY2022: 6.16M USDNet income, FY2023: −4.18M USDNet income, FY2024: −39.88M USDNet income, FY2025: −12.71M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 36.64M USD. Revenue FY2022 47.38M USD. Revenue FY2023 64.7M USD. Revenue FY2024 60.56M USD. Revenue FY2025 58.16M USD. Operating income FY2021 5.01M USD. Operating income FY2022 7.76M USD. Operating income FY2023 −5.63M USD. Operating income FY2024 −16.1M USD. Operating income FY2025 −12.65M USD. Net income FY2021 5.09M USD. Net income FY2022 6.16M USD. Net income FY2023 −4.18M USD. Net income FY2024 −39.88M USD. Net income FY2025 −12.71M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue58.16M USD60.56M USD64.7M USD47.38M USD36.64M USD
Cost of goods sold30.23M USD44.74M USD37.89M USD12.64M USD6.59M USD
Gross profit27.92M USD15.82M USD26.82M USD34.75M USD30.05M USD
Selling, general, and administrative23M USD18.57M USD18.14M USD16.01M USD11.6M USD
Operating expenses40.57M USD31.91M USD32.45M USD26.99M USD25.04M USD
Interest income47.68M USD52.08M USD58.45M USD43.63M USD32.13M USD
Interest expense28.73M USD32.29M USD30.46M USD10.75M USD7.09M USD
Depreciation and amortization1.19M USD1.35M USD1.35M USD1.47M USD1.64M USD
Operating income−12.65M USD−16.1M USD−5.63M USD7.76M USD5.01M USD
Net income−12.71M USD−39.88M USD−4.18M USD6.16M USD5.09M USD

Company facts updated Aug 24, 2026.

Earnings

Latest fiscal-year EPS
-0.16
FY2025
Latest fiscal-year revenue
58.16M USD
FY2025 · -3.96% year over year

Annual EPS trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual EPS trend2.72-1.91-6.54-11.17FY21FY22FY23FY24FY25

Annual revenue trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual revenue trend67.51M56.28M45.06M33.83MFY21FY22FY23FY24FY25

PNBK news

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.04

2019 complete year-97.4% since 2005

Corporate action history

Dividend

Ex-dividend Dec 6, 2019

$0.01

Quarterly

Record Dec 9, 2019 · Payment Dec 19, 2019

Dividend

Ex-dividend Aug 30, 2019

$0.01

Quarterly

Record Sep 3, 2019 · Payment Sep 13, 2019

Dividend

Ex-dividend Jun 3, 2019

$0.01

Quarterly

Record Jun 4, 2019 · Payment Jun 11, 2019

Dividend

Ex-dividend Mar 8, 2019

$0.01

Quarterly

Record Mar 11, 2019 · Payment Mar 18, 2019

Dividend

Ex-dividend Nov 23, 2018

$0.01

Quarterly

Record Nov 26, 2018 · Payment Dec 4, 2018

Dividend

Ex-dividend Aug 16, 2018

$0.01

Quarterly

Record Aug 17, 2018 · Payment Aug 24, 2018

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