Patriot National Bancorp Inc (PNBK) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Patriot National Bancorp Inc stock (PNBK) is currently trading at $1.44. Patriot National Bancorp Inc PS ratio (Price-to-Sales) is 9.49. Analyst consensus price target for PNBK is $24.00. WallStSmart rates PNBK as Sell.
- PNBK PE ratio analysis and historical PE chart
- PNBK PS ratio (Price-to-Sales) history and trend
- PNBK intrinsic value — DCF, Graham Number, EPV models
- PNBK stock price prediction 2025 2026 2027 2028 2029 2030
- PNBK fair value vs current price
- PNBK insider transactions and insider buying
- Is PNBK undervalued or overvalued?
- Patriot National Bancorp Inc financial analysis — revenue, earnings, cash flow
- PNBK Piotroski F-Score and Altman Z-Score
- PNBK analyst price target and Smart Rating
Patriot National Bancorp Inc
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Smart Analysis
Patriot National Bancorp Inc (PNBK) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/book. Concerns around market cap and return on equity. Significant fundamental concerns warrant caution or avoidance.
Patriot National Bancorp Inc (PNBK) Key Strengths (1)
Trading at 1.71x book value, attractively priced
Supporting Valuation Data
Patriot National Bancorp Inc (PNBK) Areas to Watch (8)
Company is destroying shareholder value
Losing money on operations
Earnings declining -48.00%, profits shrinking
Company is losing money with a negative profit margin
Very expensive at 9.5x annual revenue
Micro-cap company with very limited liquidity and high volatility
Low institutional interest, mostly retail-driven
Solid revenue growth at 17.50% per year
Supporting Valuation Data
Patriot National Bancorp Inc (PNBK) Detailed Analysis Report
Overall Assessment
This company scores 24/100 in our Smart Analysis, earning a F grade. Out of 9 metrics analyzed, 1 register as strengths (avg 8.0/10) while 8 fall into concern territory (avg 1.9/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Book. Valuation metrics including Price/Book (1.71) suggest the stock is attractively priced.
The Bear Case
The primary concerns are Return on Equity, Operating Margin, EPS Growth. Some valuation metrics including Price/Sales (9.49) suggest expensive pricing. Growth concerns include Revenue Growth at 17.50%, EPS Growth at -48.00%, which may limit upside. Profitability pressure is visible in Return on Equity at -83.00%, Operating Margin at -98.70%, Profit Margin at -283.10%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at -83.00% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 17.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Return on Equity and Operating Margin are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
PNBK Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
PNBK's Price-to-Sales ratio of 9.49x trades at a deep discount to its historical average of 28.62x (48th percentile). The current valuation is 90% below its historical high of 92.62x set in May 2006, and 259% above its historical low of 2.64x in Nov 2009. Over the past 12 months, the PS ratio has expanded from ~8.4x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Patriot National Bancorp Inc (PNBK) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Patriot National Bancorp Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 16M with 18% growth year-over-year. The company is currently unprofitable, posting a -283.1% profit margin.
Key Findings
Debt-to-equity ratio of 0.17 indicates a conservative balance sheet with 181M in cash.
The company is unprofitable with a -283.1% profit margin. The path to breakeven will be the key catalyst.
Free cash flow is -5M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Patriot National Bancorp Inc.
Bottom Line
Patriot National Bancorp Inc offers an attractive blend of growth (18% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Patriot National Bancorp Inc(PNBK)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Patriot National Bancorp, Inc. is the parent company of Patriot Bank, NA providing community banking services to individuals, small and medium-sized businesses, and professionals.