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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.34
PNBK's Cash to Debt is ranked lower than
79% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.11 vs. PNBK: 0.34 )
Ranked among companies with meaningful Cash to Debt only.
PNBK' s Cash to Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.99 Max: 48.33
Current: 0.34
0.02
48.33
Equity to Asset 0.10
PNBK's Equity to Asset is ranked lower than
53% of the 1597 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. PNBK: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
PNBK' s Equity to Asset Range Over the Past 10 Years
Min: 0.03  Med: 0.08 Max: 0.12
Current: 0.1
0.03
0.12
Interest Coverage 1.47
PNBK's Interest Coverage is ranked lower than
55% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. PNBK: 1.47 )
Ranked among companies with meaningful Interest Coverage only.
PNBK' s Interest Coverage Range Over the Past 10 Years
Min: 0.15  Med: 0.26 Max: 1.3
Current: 1.47
0.15
1.3
F-Score: 3
M-Score: -2.53
WACC vs ROIC
11.99%
1.84%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 2/10

vs
industry
vs
history
Operating margin (%) 17.32
PNBK's Operating margin (%) is ranked lower than
78% of the 1640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.80 vs. PNBK: 17.32 )
Ranked among companies with meaningful Operating margin (%) only.
PNBK' s Operating margin (%) Range Over the Past 10 Years
Min: -100.51  Med: -20.07 Max: 16.51
Current: 17.32
-100.51
16.51
Net-margin (%) 10.66
PNBK's Net-margin (%) is ranked lower than
82% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.22 vs. PNBK: 10.66 )
Ranked among companies with meaningful Net-margin (%) only.
PNBK' s Net-margin (%) Range Over the Past 10 Years
Min: -110.79  Med: -14.41 Max: 81.69
Current: 10.66
-110.79
81.69
ROE (%) 3.95
PNBK's ROE (%) is ranked lower than
80% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.35 vs. PNBK: 3.95 )
Ranked among companies with meaningful ROE (%) only.
PNBK' s ROE (%) Range Over the Past 10 Years
Min: -50.47  Med: -6.2 Max: 31.24
Current: 3.95
-50.47
31.24
ROA (%) 0.38
PNBK's ROA (%) is ranked lower than
78% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. PNBK: 0.38 )
Ranked among companies with meaningful ROA (%) only.
PNBK' s ROA (%) Range Over the Past 10 Years
Min: -2.68  Med: -0.46 Max: 2.68
Current: 0.38
-2.68
2.68
Revenue Growth (3Y)(%) 1.60
PNBK's Revenue Growth (3Y)(%) is ranked lower than
58% of the 1341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. PNBK: 1.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PNBK' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -52.6  Med: 1 Max: 19.6
Current: 1.6
-52.6
19.6
EBITDA Growth (3Y)(%) 87.00
PNBK's EBITDA Growth (3Y)(%) is ranked higher than
98% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. PNBK: 87.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PNBK' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -47.5  Med: 7.5 Max: 87
Current: 87
-47.5
87
» PNBK's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-27)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCPK:MNSB, OTCPK:HMTA, NAS:WEBK, NAS:FBSS, OTCPK:FXNC, NAS:EMCF, NAS:EBMT, NAS:BOTJ, NAS:PBIB, OTCPK:AFCB, OTCBB:DCBF, NAS:PFBX, OTCPK:CNAF, NAS:PLBC, OTCPK:FABK, OTCPK:FDVA, NAS:CZWI, OTCPK:AVLY, NAS:WBKC, NAS:UBCP » details
Patriot Bank NA provides banking services. The Bank offers commercial real estate loans, commercial business loans, deposit and savings account, internet banking and bill payment services.

Patriot National Bancorp Inc is a Connecticut corporation, is a bank holding company that was organized in 1999. The Company through its bank holding provides banking services to commercial and consumer customers. The Company operates in five segments including Commercial Real Estate, Residential Real Estate, Construction, Commercial, and Consumer. The Company offers commercial real estate loans, commercial business loans, and a variety of consumer loans with an emphasis on serving the needs of individuals, small and medium-sized businesses and professionals. The Company's lending activities are conducted in Fairfield and New Haven Counties in Connecticut and Westchester County in New York. Consumer and commercial deposit accounts offered include: checking, interest-bearing NOW, money market, time certificates of deposit and savings, CDARS, Individual Retirement Accounts and Health Savings Accounts. Other services offered by the Bank include ACH transfers, lockbox, internet banking, bill paying, remote deposit capture, debit cards, money orders, traveller's checks and ATMs. The Bank also operates a loan origination office. The Company competes with a variety of financial institutions for loans and deposits in its market area.

Ratios

vs
industry
vs
history
P/E(ttm) 21.92
PNBK's P/E(ttm) is ranked lower than
82% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.14 vs. PNBK: 21.92 )
Ranked among companies with meaningful P/E(ttm) only.
PNBK' s P/E(ttm) Range Over the Past 10 Years
Min: 2.7  Med: 32.96 Max: 57.12
Current: 21.92
2.7
57.12
PE(NRI) 21.92
PNBK's PE(NRI) is ranked lower than
82% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.17 vs. PNBK: 21.92 )
Ranked among companies with meaningful PE(NRI) only.
PNBK' s PE(NRI) Range Over the Past 10 Years
Min: 2.7  Med: 32.96 Max: 57.12
Current: 21.92
2.7
57.12
P/B 0.84
PNBK's P/B is ranked higher than
66% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. PNBK: 0.84 )
Ranked among companies with meaningful P/B only.
PNBK' s P/B Range Over the Past 10 Years
Min: 0.2  Med: 1.15 Max: 3.03
Current: 0.84
0.2
3.03
P/S 2.31
PNBK's P/S is ranked higher than
63% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. PNBK: 2.31 )
Ranked among companies with meaningful P/S only.
PNBK' s P/S Range Over the Past 10 Years
Min: 0.33  Med: 2.67 Max: 4.31
Current: 2.31
0.33
4.31
PFCF 100.53
PNBK's PFCF is ranked lower than
98% of the 810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. PNBK: 100.53 )
Ranked among companies with meaningful PFCF only.
PNBK' s PFCF Range Over the Past 10 Years
Min: 3.17  Med: 22.96 Max: 793.92
Current: 100.53
3.17
793.92
POCF 10.32
PNBK's POCF is ranked lower than
59% of the 913 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.21 vs. PNBK: 10.32 )
Ranked among companies with meaningful POCF only.
PNBK' s POCF Range Over the Past 10 Years
Min: 2.25  Med: 16.41 Max: 36.82
Current: 10.32
2.25
36.82
EV-to-EBIT 36.57
PNBK's EV-to-EBIT is ranked lower than
89% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.74 vs. PNBK: 36.57 )
Ranked among companies with meaningful EV-to-EBIT only.
PNBK' s EV-to-EBIT Range Over the Past 10 Years
Min: -632.3  Med: 3.7 Max: 133.3
Current: 36.57
-632.3
133.3
EV-to-EBITDA 28.30
PNBK's EV-to-EBITDA is ranked lower than
86% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.33 vs. PNBK: 28.30 )
Ranked among companies with meaningful EV-to-EBITDA only.
PNBK' s EV-to-EBITDA Range Over the Past 10 Years
Min: -31.8  Med: 21.7 Max: 321.7
Current: 28.3
-31.8
321.7

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -0.90
PNBK's 3-Year Average Share Buyback Ratio is ranked higher than
59% of the 1044 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. PNBK: -0.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
PNBK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -101.4  Med: -10.1 Max: 0
Current: -0.9
-101.4
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.84
PNBK's Price/Tangible Book is ranked higher than
68% of the 1577 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. PNBK: 0.84 )
Ranked among companies with meaningful Price/Tangible Book only.
PNBK' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.21  Med: 1.33 Max: 3.01
Current: 0.84
0.21
3.01
Price/Projected FCF 1.19
PNBK's Price/Projected FCF is ranked lower than
86% of the 832 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. PNBK: 1.19 )
Ranked among companies with meaningful Price/Projected FCF only.
PNBK' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.26  Med: 1.25 Max: 99.38
Current: 1.19
0.26
99.38
Price/Median PS Value 0.86
PNBK's Price/Median PS Value is ranked higher than
75% of the 1483 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. PNBK: 0.86 )
Ranked among companies with meaningful Price/Median PS Value only.
PNBK' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.13  Med: 0.98 Max: 1.58
Current: 0.86
0.13
1.58
Price/Graham Number 0.90
PNBK's Price/Graham Number is ranked lower than
58% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. PNBK: 0.90 )
Ranked among companies with meaningful Price/Graham Number only.
PNBK' s Price/Graham Number Range Over the Past 10 Years
Min: 0.41  Med: 1.3 Max: 2.68
Current: 0.9
0.41
2.68
Earnings Yield (Greenblatt) (%) 2.70
PNBK's Earnings Yield (Greenblatt) (%) is ranked lower than
69% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. PNBK: 2.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PNBK' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.7  Med: 3.1 Max: 1232.8
Current: 2.7
0.7
1232.8
Forward Rate of Return (Yacktman) (%) 26.75
PNBK's Forward Rate of Return (Yacktman) (%) is ranked higher than
77% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.77 vs. PNBK: 26.75 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PNBK' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -5.4  Med: -1.4 Max: 17.5
Current: 26.75
-5.4
17.5

More Statistics

Revenue (TTM) (Mil) $22.81
EPS (TTM) $ 0.61
Beta-0.29
Short Percentage of Float0.43%
52-Week Range $12.57 - 17.50
Shares Outstanding (Mil)3.96
» More Articles for PNBK

Headlines

Articles On GuruFocus.com
Patriot National Bancorp Inc. Reports Operating Results (10-Q) Nov 10 2010 
Patriot National Bancorp Inc. Reports Operating Results (10-Q) Aug 05 2010 
Patriot National Bancorp Inc. Reports Operating Results (10-Q) Nov 09 2009 
Patriot National Bancorp Inc. (PNBK) Chairman and CEO Angelo Decaro sells 7,300 Shares Oct 28 2009 
Patriot National Bancorp Inc. (PNBK) Chairman and CEO Angelo Decaro sells 11,257 Shares Aug 27 2009 
Patriot National Bancorp Inc. (PNBK) Chairman and CEO Angelo Decaro sells 1,200 Shares Aug 10 2009 
Patriot National Bancorp Inc. Reports Operating Results (10-Q) Aug 07 2009 
Patriot National Bancorp Inc. (PNBK) Chairman and CEO Angelo Decaro sells 1,406 Shares Aug 06 2009 
Patriot National Bancorp Inc. (PNBK) Chairman and CEO Angelo Decaro sells 8,907 Shares Aug 03 2009 
Patriot National Bancorp Inc. (PNBK) President & Vice Chairman Charles F Howell buys 5,000 Shares Jun 19 2009 

More From Other Websites
PATRIOT NATIONAL BANCORP INC Files SEC form 8-K, Non-Reliance on Previous Financials, Audits or... Sep 16 2016
Patriot National Bancorp, Inc.: Strong price momentum but will it sustain? Sep 07 2016
PATRIOT NATIONAL BANCORP INC Financials Aug 24 2016
PATRIOT NATIONAL BANCORP INC Files SEC form 10-Q, Quarterly Report Aug 15 2016
Patriot National Bancorp Loans, Assets Increase in Second Quarter Aug 15 2016
PATRIOT NATIONAL BANCORP INC Files SEC form 8-K, Change in Directors or Principal Officers Aug 10 2016
Patriot National Bancorp, Inc. :PNBK-US: Earnings Analysis: Q2, 2016 By the Numbers : August 3, 2016 Aug 03 2016
Patriot National Bancorp Announces 500,000 Share Buyback Program Jul 29 2016
PATRIOT NATIONAL BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 29 2016
Patriot National Bancorp, Inc. Announces Stock Repurchase Program Jul 29 2016
Patriot National Bancorp Announces Second Quarter Earnings of $0.16 Per Share; Loans Grow 9% Since... Jul 29 2016
Patriot National Bancorp, Inc. Announces Stock Repurchase Program Jul 29 2016
Patriot National Bancorp Announces Second Quarter Earnings of $0.16 Per Share; Loans Grow 9% Since... Jul 29 2016
PATRIOT NATIONAL BANCORP INC Files SEC form 8-K, Other Events Jul 12 2016
PATRIOT NATIONAL BANCORP INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 16 2016
PATRIOT NATIONAL BANCORP INC Files SEC form 10-Q, Quarterly Report May 16 2016
Patriot Bank reports April loan spike May 02 2016
Patriot National Bancorp sees 126 percent earnings increase May 02 2016
PATRIOT NATIONAL BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 28 2016
Patriot National Bancorp Announces a 126% Increase in Earnings Over Same Period Last Year Apr 28 2016

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