GlobeNewsWire·Jul 1, 2026
Patriot Bank's Formal Agreement With the OCC Has Been TerminatedSTAMFORD, Conn., July 01, 2026 (GLOBE NEWSWIRE) -- Patriot Bank, N.A.
Patriot National Bancorp, Inc.(PNBK)Earnings, Financials & Key Ratios
PNBK•NASDAQ•Banking & Credit
$1.13
Price updated Jul 7, 2026
AboutPatriot 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.Show more
- Net Interest Income$19M-4.3%
- Total Revenue$58M-4.0%
- Net Income-$13M+68.1%
- Return on Equity-25.69%+84.3%
- Net Interest Margin1.74%-10.9%
- Efficiency Ratio69.77%+32.4%
- ROA-1.21%+68.0%
- Equity / Assets8.7%+1965.8%
- Book Value per Share1.21+13.2%
PNBK Price & Volume
Patriot National Bancorp, Inc. (PNBK) stock price & volume — 10-year historical chart
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Persistent Operating Losses Challenge Capital Adequacy Recovery
Investment Thesis • Updated 2026Q1
VerdictNegative
Growth:Mixed
Profitability:Negative
Financial:Vulnerable
Cash Flow:Burning
Primary Risk:Persistent Operating Margin Deficit
Key Thesis Takeaways
- Patriot National Bancorp faces a challenging path to profitability as it struggles with a stagnant net interest margin that has hovered between 0.4% and 0.6% over the last ten quarters.
- While the bank has expanded its asset base to $1.2 billion as of 2026Q1, this growth has failed to generate positive returns, resulting in a persistent negative return on equity.
- Investors should monitor the bank's reliance on a $1.1 billion investment securities portfolio and its inability to achieve operating leverage, as evidenced by an efficiency ratio that peaked at 75.8% in 2025Q4.
Verdict Logic
the bank's inability to achieve sustained profitability, highlighted by a negative TTM P/E of -6.17 and a persistent negative return on equity, suggests significant fundamental risk.
PNBK Growth Metrics
Patriot National Bancorp, Inc. (PNBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years8.7%
5 Years7.93%
3 Years7.07%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM72.41%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM98.6%
Return on Capital
10 Years-1.89%
5 Years-4.31%
3 Years-9.49%
Last Year-15.08%
PNBK Recent Earnings
Patriot National Bancorp, Inc. (PNBK) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 0/12 qtrs (0%)●Beat Revenue 3/12 qtrs (75%)
Q2 2026Latest
May 15, 2026Metric
Actual
Est
EPS
$0.02-108.0%
$0.25
Rev
$18M+116.5%
$8M
Q2 2026
May 12, 2026Metric
Actual
Est
EPS
$0.02-108.0%
$0.25
Rev
—
$8M
Q2 2026
Mar 31, 2026Metric
Actual
Est
EPS
$0.02-108.0%
$0.25
Rev
—
$8M
Q2 2026
Mar 10, 2026Metric
Actual
Est
EPS
$0.02-107.9%
$0.25
Rev
$16M+94.2%
$8M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 15, 2026 | $0.02vs $0.25-108.0% | $18Mvs $8M+116.5% |
| Q2 2026 | May 12, 2026 | $0.02vs $0.25-108.0% | —vs $8M |
| Q2 2026 | Mar 31, 2026 | $0.02vs $0.25-108.0% | —vs $8M |
| Q2 2026 | Mar 10, 2026 | $0.02vs $0.25-107.9% | $16Mvs $8M+94.2% |
Based on last 12 quarters of dataView full earnings history →
Latest PNBK News
Recent stock market news and headlines for Patriot National Bancorp, Inc. (PNBK)
GlobeNewsWire·Jun 29, 2026
Patriot Bank Opens Flagship California Location in Beverly Hills With Over $100 Million in DepositsBEVERLY HILLS, Calif., June 29, 2026 (GLOBE NEWSWIRE) -- Patriot Bank, N.A. (“Patriot Bank”), the wholly owned subsidiary of Patriot National Bancorp, Inc. (NASDAQ: PNBK), announced the opening of its flagship California location in Beverly Hills with more than $100 million in deposits from high-net-worth families, entrepreneurs, and business leaders throughout Southern California. This milestone marks a significant achievement for Patriot Bank.
GlobeNewsWire·Jun 22, 2026
Patriot Bank Expands into Palm Beach and the South Florida MarketPALM BEACH, Fla., June 22, 2026 (GLOBE NEWSWIRE) -- Patriot Bank, N.A.
Peers Comparison
Key metrics vs top competitors for Patriot National Bancorp, Inc. (PNBK)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $1.13 | $132.88M | -7.06 | -3.96% | -21.85% | -25.69% | — | |
| $26.75 | $370.06M | 8.23 | -1.55% | 28.51% | 12.62% | — | |
| $23.29 | $224.61M | 15.95 | -9.41% | 16.49% | 8% | — | |
| $16.95 | $425.05M | 22.30 | -10.72% | 15.32% | 6.19% | — | |
| $24.06 | $171.21M | 13.67 | -1.44% | 12.96% | 7.98% | — | |
| $72.14 | $1.31B | 13.29 | 8.86% | 24.85% | 12.27% | — |
Compare PNBK vs Peers
Patriot National Bancorp, Inc. (PNBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
PNBK SEC Filings & Documents
Patriot National Bancorp, Inc. (PNBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
May 26, 2026·SEC
Material company update
May 6, 2026·SEC
Material company update
Apr 28, 2026·SEC
10-K Annual Reports
310-Q Quarterly Reports
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PNBK Frequently Asked Questions
Patriot National Bancorp, Inc. (PNBK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Patriot National Bancorp, Inc. growing?
Patriot National Bancorp, Inc. (PNBK) saw revenue decline by 4.0% over the past year.
Is PNBK profitable?
Patriot National Bancorp, Inc. (PNBK) reported a net loss of $11.7M for fiscal year 2025.
Dividend & Returns
What is PNBK's return on equity?
Patriot National Bancorp, Inc. (PNBK) has a return on equity (ROE) of -25.7%. Negative ROE indicates the company is unprofitable.
Industry Metrics
What is Patriot National Bancorp, Inc.'s net interest margin?
Patriot National Bancorp, Inc. (PNBK) has a net interest margin (NIM) of 1.7%. NIM has been under pressure due to interest rate environment.
What is Patriot National Bancorp, Inc.'s efficiency ratio?
Patriot National Bancorp, Inc. (PNBK) has an efficiency ratio of 69.8%. This is higher than peers, suggesting room for cost optimization.