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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 : 4/10

vs
industry
vs
history
Cash to Debt 0.41
PNBK's Cash to Debt is ranked higher than
63% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. PNBK: 0.41 )
PNBK' s 10-Year Cash to Debt Range
Min: 0.02   Max: 48.33
Current: 0.41

0.02
48.33
Equity to Asset 0.10
PNBK's Equity to Asset is ranked higher than
72% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. PNBK: 0.10 )
PNBK' s 10-Year Equity to Asset Range
Min: 0.03   Max: 0.19
Current: 0.1

0.03
0.19
F-Score: 4
Z-Score: 0.02
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 : 4/10

vs
industry
vs
history
Operating margin (%) 10.02
PNBK's Operating margin (%) is ranked higher than
54% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.47 vs. PNBK: 10.02 )
PNBK' s 10-Year Operating margin (%) Range
Min: -100.51   Max: 16.51
Current: 10.02

-100.51
16.51
Net-margin (%) 99.22
PNBK's Net-margin (%) is ranked higher than
99% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. PNBK: 99.22 )
PNBK' s 10-Year Net-margin (%) Range
Min: -1500   Max: 14.73
Current: 99.22

-1500
14.73
ROE (%) 41.60
PNBK's ROE (%) is ranked higher than
100% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. PNBK: 41.60 )
PNBK' s 10-Year ROE (%) Range
Min: -50.47   Max: 7.19
Current: 41.6

-50.47
7.19
ROA (%) 3.38
PNBK's ROA (%) is ranked higher than
98% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. PNBK: 3.38 )
PNBK' s 10-Year ROA (%) Range
Min: -2.68   Max: 0.68
Current: 3.38

-2.68
0.68
ROC (Joel Greenblatt) (%) 13.20
PNBK's ROC (Joel Greenblatt) (%) is ranked higher than
55% of the 2013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. PNBK: 13.20 )
PNBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -329.69   Max: 200.72
Current: 13.2

-329.69
200.72
Revenue Growth (3Y)(%) -37.70
PNBK's Revenue Growth (3Y)(%) is ranked higher than
50% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. PNBK: -37.70 )
PNBK' s 10-Year Revenue Growth (3Y)(%) Range
Min: -52.5   Max: 215
Current: -37.7

-52.5
215
EBITDA Growth (3Y)(%) -47.10
PNBK's EBITDA Growth (3Y)(%) is ranked higher than
52% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. PNBK: -47.10 )
PNBK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 44.2
Current: -47.1

0
44.2
EPS Growth (3Y)(%) -47.30
PNBK's EPS Growth (3Y)(%) is ranked higher than
53% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. PNBK: -47.30 )
PNBK' s 10-Year EPS Growth (3Y)(%) Range
Min: -87.4   Max: 39
Current: -47.3

-87.4
39
» PNBK's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with PNBK

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Ratios

vs
industry
vs
history
P/E(ttm) 3.20
PNBK's P/E(ttm) is ranked higher than
99% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 vs. PNBK: 3.20 )
PNBK' s 10-Year P/E(ttm) Range
Min: 3.21   Max: 57.67
Current: 3.2

3.21
57.67
P/B 1.03
PNBK's P/B is ranked higher than
81% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. PNBK: 1.03 )
PNBK' s 10-Year P/B Range
Min: 0.2   Max: 3.07
Current: 1.03

0.2
3.07
P/S 3.18
PNBK's P/S is ranked higher than
76% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.59 vs. PNBK: 3.18 )
PNBK' s 10-Year P/S Range
Min: 0.33   Max: 4.52
Current: 3.18

0.33
4.52
EV-to-EBIT 75.30
PNBK's EV-to-EBIT is ranked higher than
59% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.57 vs. PNBK: 75.30 )
PNBK' s 10-Year EV-to-EBIT Range
Min: -632.5   Max: 80.5
Current: 75.3

-632.5
80.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.02
PNBK's Price/Tangible Book is ranked higher than
84% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. PNBK: 1.02 )
PNBK' s 10-Year Price/Tangible Book Range
Min: 0.21   Max: 3.05
Current: 1.02

0.21
3.05
Price/Median PS Value 1.17
PNBK's Price/Median PS Value is ranked higher than
73% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. PNBK: 1.17 )
PNBK' s 10-Year Price/Median PS Value Range
Min: 0.13   Max: 25.62
Current: 1.17

0.13
25.62
Price/Graham Number 0.38
PNBK's Price/Graham Number is ranked higher than
98% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. PNBK: 0.38 )
PNBK' s 10-Year Price/Graham Number Range
Min: 0.42   Max: 2.76
Current: 0.38

0.42
2.76
Earnings Yield (Greenblatt) 1.30
PNBK's Earnings Yield (Greenblatt) is ranked higher than
54% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. PNBK: 1.30 )
PNBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.2   Max: 33662.4
Current: 1.3

1.2
33662.4
Forward Rate of Return (Yacktman) 12.37
PNBK's Forward Rate of Return (Yacktman) is ranked higher than
69% of the 1250 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. PNBK: 12.37 )
PNBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -54.4   Max: 41
Current: 12.37

-54.4
41

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Patriot National Bancorp, Inc was organized in 1999. It is the holding Company for Patriot National Bank. The Bank is a nationally chartered commercial bank, which offers consumer and commercial banking services with an emphasis on serving the needs of individuals, small and medium-sized businesses and professionals. The Bank offers consumer and commercial deposit accounts that include checking accounts, interest-bearing NOW accounts, insured money market accounts, time certificates of deposit, savings accounts and IRA's Individual Retirement Accounts. Other services include money orders, traveler's checks, ATM's automated teller machines, Internet banking and debit cards. Real estate loans made to individuals include home mortgages, home improvement loans, bridge loans and home equity lines of credit. Other personal loans include lines of credit, installment loans and credit cards. Commercial loans offered to small and medium-sized businesses include secured and unsecured loans to service companies, real estate developers, manufacturers, restaurants, wholesalers, retailers and professionals doing business in the region. The Bank offers residential mortgages through its Residential Lending Group. Residents and businesses in Stamford, Greenwich, Norwalk, Darien, Southport, Fairfield, Trumbull, Westport, and Milford Connecticut provide the majority of the Bank's deposits. The Bank has expanded its footprint by establishing branch offices in the Westchester County, New York towns of Bedford and Scarsdale. The Bank has focused its attention on serving the segments of its market area historically served by community banks. The Bank competes with a variety of financial institutions in its market area. As a Bank holding company, the Company's operations are subject to regulation, supervision and examination by the Board of Governors of the Federal Reserve Board.
» 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 Financials Nov 21 2014
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