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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 0.46
PNBK's Cash to Debt is ranked lower than
69% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. PNBK: 0.46 )
Ranked among companies with meaningful Cash to Debt only.
PNBK' s Cash to Debt Range Over the Past 10 Years
Min: 0.02  Med: 1.06 Max: 48.33
Current: 0.46
0.02
48.33
Equity to Asset 0.10
PNBK's Equity to Asset is ranked lower than
51% of the 1578 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 0.87
PNBK's Interest Coverage is ranked lower than
68% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. PNBK: 0.87 )
Ranked among companies with meaningful Interest Coverage only.
PNBK' s Interest Coverage Range Over the Past 10 Years
Min: 0.15  Med: 0.22 Max: 0.32
Current: 0.87
0.15
0.32
F-Score: 3
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 (%) 10.60
PNBK's Operating margin (%) is ranked lower than
86% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. PNBK: 10.60 )
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: 10.6
-100.51
16.51
Net-margin (%) -3.54
PNBK's Net-margin (%) is ranked lower than
95% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. PNBK: -3.54 )
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: -3.54
-110.79
81.69
ROE (%) -1.31
PNBK's ROE (%) is ranked lower than
94% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. PNBK: -1.31 )
Ranked among companies with meaningful ROE (%) only.
PNBK' s ROE (%) Range Over the Past 10 Years
Min: -50.47  Med: -6.20 Max: 31.24
Current: -1.31
-50.47
31.24
ROA (%) -0.12
PNBK's ROA (%) is ranked lower than
93% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. PNBK: -0.12 )
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: -0.12
-2.68
2.68
Revenue Growth (3Y)(%) -6.30
PNBK's Revenue Growth (3Y)(%) is ranked lower than
77% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. PNBK: -6.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PNBK' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -52.6  Med: -0.20 Max: 19.6
Current: -6.3
-52.6
19.6
» PNBK's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/B 0.85
PNBK's P/B is ranked higher than
63% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. PNBK: 0.85 )
Ranked among companies with meaningful P/B only.
PNBK' s P/B Range Over the Past 10 Years
Min: 0.2  Med: 1.18 Max: 3.03
Current: 0.85
0.2
3.03
P/S 2.28
PNBK's P/S is ranked higher than
62% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.81 vs. PNBK: 2.28 )
Ranked among companies with meaningful P/S only.
PNBK' s P/S Range Over the Past 10 Years
Min: 0.33  Med: 2.79 Max: 4.52
Current: 2.28
0.33
4.52
PFCF 3.35
PNBK's PFCF is ranked higher than
74% of the 937 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.36 vs. PNBK: 3.35 )
Ranked among companies with meaningful PFCF only.
PNBK' s PFCF Range Over the Past 10 Years
Min: 3.16  Med: 23.42 Max: 405.17
Current: 3.35
3.16
405.17
POCF 1.88
PNBK's POCF is ranked higher than
82% of the 1036 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.10 vs. PNBK: 1.88 )
Ranked among companies with meaningful POCF only.
PNBK' s POCF Range Over the Past 10 Years
Min: 1.88  Med: 18.47 Max: 40.28
Current: 1.88
1.88
40.28
EV-to-EBIT 52.09
PNBK's EV-to-EBIT is ranked lower than
92% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.68 vs. PNBK: 52.09 )
Ranked among companies with meaningful EV-to-EBIT only.
PNBK' s EV-to-EBIT Range Over the Past 10 Years
Min: -632.3  Med: 23.35 Max: 132.8
Current: 52.09
-632.3
132.8
EV-to-EBITDA 36.26
PNBK's EV-to-EBITDA is ranked lower than
90% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.31 vs. PNBK: 36.26 )
Ranked among companies with meaningful EV-to-EBITDA only.
PNBK' s EV-to-EBITDA Range Over the Past 10 Years
Min: -31.8  Med: 21.15 Max: 321.7
Current: 36.26
-31.8
321.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.85
PNBK's Price/Tangible Book is ranked higher than
67% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. PNBK: 0.85 )
Ranked among companies with meaningful Price/Tangible Book only.
PNBK' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.21  Med: 1.35 Max: 3.01
Current: 0.85
0.21
3.01
Price/Projected FCF 1.75
PNBK's Price/Projected FCF is ranked lower than
92% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. PNBK: 1.75 )
Ranked among companies with meaningful Price/Projected FCF only.
PNBK' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.26  Med: 1.28 Max: 35.66
Current: 1.75
0.26
35.66
Price/Median PS Value 0.82
PNBK's Price/Median PS Value is ranked higher than
74% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. PNBK: 0.82 )
Ranked among companies with meaningful Price/Median PS Value only.
PNBK' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.12  Med: 0.97 Max: 2.18
Current: 0.82
0.12
2.18
Earnings Yield (Greenblatt) (%) 1.90
PNBK's Earnings Yield (Greenblatt) (%) is ranked lower than
83% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. PNBK: 1.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PNBK' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.8  Med: 2.80 Max: 42626.4
Current: 1.9
0.8
42626.4
Forward Rate of Return (Yacktman) (%) 26.00
PNBK's Forward Rate of Return (Yacktman) (%) is ranked higher than
69% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. PNBK: 26.00 )
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: -1.10 Max: 30.1
Current: 26
-5.4
30.1

More Statistics

Revenue(Mil) $22
EPS $ -0.21
Beta-0.19
Short Percentage of Float0.32%
52-Week Range $12.95 - 18.68
Shares Outstanding(Mil)3.96

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Patriot Bank NA was organized in 1999. The Bank 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 Bank'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 Bank competes with a variety of financial institutions for loans and deposits in its market area.
» 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 

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