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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 : 6/10

vs
industry
vs
history
Cash-to-Debt 0.31
PNBK's Cash-to-Debt is ranked lower than
81% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 vs. PNBK: 0.31 )
Ranked among companies with meaningful Cash-to-Debt only.
PNBK' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.89 Max: 48.33
Current: 0.31
0.02
48.33
Equity-to-Asset 0.09
PNBK's Equity-to-Asset is ranked lower than
60% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. PNBK: 0.09 )
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: 0.09
0.03
0.12
Interest Coverage 0.83
PNBK's Interest Coverage is ranked lower than
69% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. PNBK: 0.83 )
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: 0.83
0.15
1.3
Piotroski F-Score: 5
Beneish M-Score: -2.44
WACC vs ROIC
12.43%
1.00%
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 : 3/10

vs
industry
vs
history
Operating Margin % 9.82
PNBK's Operating Margin % is ranked lower than
87% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.69 vs. PNBK: 9.82 )
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: 9.82
-100.51
16.51
Net Margin % 6.12
PNBK's Net Margin % is ranked lower than
88% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.17 vs. PNBK: 6.12 )
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: 6.12
-110.79
81.69
ROE % 2.28
PNBK's ROE % is ranked lower than
88% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.35 vs. PNBK: 2.28 )
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: 2.28
-50.47
31.24
ROA % 0.22
PNBK's ROA % is ranked lower than
85% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. PNBK: 0.22 )
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: 0.22
-2.68
2.68
3-Year Revenue Growth Rate 1.60
PNBK's 3-Year Revenue Growth Rate is ranked lower than
62% of the 1247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. PNBK: 1.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
PNBK' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -52.6  Med: 1 Max: 19.6
Current: 1.6
-52.6
19.6
3-Year EBITDA Growth Rate 87.00
PNBK's 3-Year EBITDA Growth Rate is ranked higher than
98% of the 1158 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. PNBK: 87.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
PNBK' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -47.5  Med: 7.65 Max: 87
Current: 87
-47.5
87
GuruFocus has detected 5 Warning Signs with Patriot National Bancorp Inc $PNBK.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» PNBK's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NAS:PBIB, OTCPK:AVLY, AMEX:SGB, OTCPK:HLND, NAS:EMCF, NAS:HMTA, OTCPK:AFCB, NAS:SSFN, OTCPK:CNAF, OTCPK:CBCO, OTCPK:JFBC, OTCPK:CMOH, OTCPK:BVBC, NAS:FBSS, NAS:CZWI, OTCPK:SBKK, OTCPK:FABK, NAS:UBCP, OTCPK:FPBK, NAS:OTTW » 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
PE Ratio 42.14
PNBK's PE Ratio is ranked lower than
94% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. PNBK: 42.14 )
Ranked among companies with meaningful PE Ratio only.
PNBK' s PE Ratio Range Over the Past 10 Years
Min: 2.7  Med: 34.77 Max: 57.12
Current: 42.14
2.7
57.12
PE Ratio without NRI 42.14
PNBK's PE Ratio without NRI is ranked lower than
94% of the 1296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.49 vs. PNBK: 42.14 )
Ranked among companies with meaningful PE Ratio without NRI only.
PNBK' s PE Ratio without NRI Range Over the Past 10 Years
Min: 2.7  Med: 34.77 Max: 57.12
Current: 42.14
2.7
57.12
PB Ratio 0.93
PNBK's PB Ratio is ranked higher than
66% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. PNBK: 0.93 )
Ranked among companies with meaningful PB Ratio only.
PNBK' s PB Ratio Range Over the Past 10 Years
Min: 0.2  Med: 1.14 Max: 3.03
Current: 0.93
0.2
3.03
PS Ratio 2.52
PNBK's PS Ratio is ranked higher than
65% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. PNBK: 2.52 )
Ranked among companies with meaningful PS Ratio only.
PNBK' s PS Ratio Range Over the Past 10 Years
Min: 0.33  Med: 2.58 Max: 4.31
Current: 2.52
0.33
4.31
Price-to-Free-Cash-Flow 13.88
PNBK's Price-to-Free-Cash-Flow is ranked higher than
53% of the 773 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.10 vs. PNBK: 13.88 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
PNBK' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.17  Med: 20.62 Max: 793.92
Current: 13.88
3.17
793.92
Price-to-Operating-Cash-Flow 11.61
PNBK's Price-to-Operating-Cash-Flow is ranked higher than
54% of the 824 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.79 vs. PNBK: 11.61 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
PNBK' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.25  Med: 12.15 Max: 36.82
Current: 11.61
2.25
36.82
EV-to-EBIT 69.51
PNBK's EV-to-EBIT is ranked lower than
96% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.64 vs. PNBK: 69.51 )
Ranked among companies with meaningful EV-to-EBIT only.
PNBK' s EV-to-EBIT Range Over the Past 10 Years
Min: -632.3  Med: 3.65 Max: 133.3
Current: 69.51
-632.3
133.3
EV-to-EBITDA 45.71
PNBK's EV-to-EBITDA is ranked lower than
94% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.46 vs. PNBK: 45.71 )
Ranked among companies with meaningful EV-to-EBITDA only.
PNBK' s EV-to-EBITDA Range Over the Past 10 Years
Min: -31.8  Med: 22.2 Max: 321.7
Current: 45.71
-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
57% of the 977 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 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-to-Tangible-Book 0.93
PNBK's Price-to-Tangible-Book is ranked higher than
67% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. PNBK: 0.93 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
PNBK' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.21  Med: 1.33 Max: 3.01
Current: 0.93
0.21
3.01
Price-to-Intrinsic-Value-Projected-FCF 1.39
PNBK's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
83% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. PNBK: 1.39 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
PNBK' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.26  Med: 1.24 Max: 35.66
Current: 1.39
0.26
35.66
Price-to-Median-PS-Value 0.98
PNBK's Price-to-Median-PS-Value is ranked higher than
75% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. PNBK: 0.98 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
PNBK' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.13  Med: 1.01 Max: 1.69
Current: 0.98
0.13
1.69
Price-to-Graham-Number 1.32
PNBK's Price-to-Graham-Number is ranked lower than
75% of the 1224 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. PNBK: 1.32 )
Ranked among companies with meaningful Price-to-Graham-Number only.
PNBK' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.41  Med: 1.29 Max: 2.68
Current: 1.32
0.41
2.68
Earnings Yield (Greenblatt) % 1.40
PNBK's Earnings Yield (Greenblatt) % is ranked lower than
73% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. PNBK: 1.40 )
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 Max: 1232.8
Current: 1.4
0.7
1232.8
Forward Rate of Return (Yacktman) % 23.61
PNBK's Forward Rate of Return (Yacktman) % is ranked higher than
78% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.03 vs. PNBK: 23.61 )
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: -1.5 Max: 11.8
Current: 23.61
-5.4
11.8

More Statistics

Revenue (TTM) (Mil) $23.14
EPS (TTM) $ 0.35
Beta-0.04
Short Percentage of Float0.31%
52-Week Range $12.80 - 16.50
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, Change in Directors or Principal Officers Jan 27 2017
Bankers see minimal risk in interest rate hikes Jan 06 2017
PATRIOT NATIONAL BANCORP INC Files SEC form 8-K, Entry into a Material Definitive Agreement,... Dec 29 2016
Patriot National Bancorp, Inc. :PNBK-US: Earnings Analysis: Q3, 2016 By the Numbers : November 29,... Nov 29 2016
PATRIOT NATIONAL BANCORP INC Financials Nov 24 2016
Patriot Bank posts nearly 30 percent earnings growth Nov 15 2016
29% Jump in Third Quarter Earnings at Patriot National Bancorp as new management pushes economic... Nov 14 2016
PATRIOT NATIONAL BANCORP INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Nov 14 2016
Patriot Bank Strengthens Senior Leadership Team with Three Promotions Oct 12 2016
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 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 Files SEC form 8-K, Other Events Jul 12 2016

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