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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 0.75
PNBK's Cash to Debt is ranked higher than
72% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. PNBK: 0.75 )
PNBK' s 10-Year Cash to Debt Range
Min: 0.02   Max: 48.33
Current: 0.75

0.02
48.33
Equity to Asset 0.08
PNBK's Equity to Asset is ranked higher than
60% of the 1739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. PNBK: 0.08 )
PNBK' s 10-Year Equity to Asset Range
Min: 0.03   Max: 0.19
Current: 0.08

0.03
0.19
F-Score: 4
Z-Score: -0.03
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 (%) -4.60
PNBK's Operating margin (%) is ranked higher than
50% of the 1765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.49 vs. PNBK: -4.60 )
PNBK' s 10-Year Operating margin (%) Range
Min: -100.51   Max: 16.51
Current: -4.6

-100.51
16.51
Net-margin (%) -2.97
PNBK's Net-margin (%) is ranked higher than
50% of the 1772 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.32 vs. PNBK: -2.97 )
PNBK' s 10-Year Net-margin (%) Range
Min: -1500   Max: 14.73
Current: -2.97

-1500
14.73
ROE (%) -1.36
PNBK's ROE (%) is ranked higher than
50% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.43 vs. PNBK: -1.36 )
PNBK' s 10-Year ROE (%) Range
Min: -50.47   Max: 7.19
Current: -1.36

-50.47
7.19
ROA (%) -0.10
PNBK's ROA (%) is ranked higher than
50% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. PNBK: -0.10 )
PNBK' s 10-Year ROA (%) Range
Min: -2.68   Max: 0.68
Current: -0.1

-2.68
0.68
ROC (Joel Greenblatt) (%) -7.37
PNBK's ROC (Joel Greenblatt) (%) is ranked higher than
50% of the 1746 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.81 vs. PNBK: -7.37 )
PNBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -329.69   Max: 200.72
Current: -7.37

-329.69
200.72
Revenue Growth (%) -37.70
PNBK's Revenue Growth (%) is ranked higher than
51% of the 1528 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. PNBK: -37.70 )
PNBK' s 10-Year Revenue Growth (%) Range
Min: -52.5   Max: 215
Current: -37.7

-52.5
215
EBITDA Growth (%) -47.10
PNBK's EBITDA Growth (%) is ranked higher than
53% of the 1376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. PNBK: -47.10 )
PNBK' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 44.2
Current: -47.1

0
44.2
EPS Growth (%) -47.30
PNBK's EPS Growth (%) is ranked higher than
53% of the 1375 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. PNBK: -47.30 )
PNBK' s 10-Year EPS Growth (%) 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

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Latest Guru Trades with PNBK

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Ratios

vs
industry
vs
history
P/B 1.60
PNBK's P/B is ranked higher than
61% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. PNBK: 1.60 )
PNBK' s 10-Year P/B Range
Min: 0.2   Max: 3.07
Current: 1.6

0.2
3.07
P/S 3.50
PNBK's P/S is ranked higher than
68% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. PNBK: 3.50 )
PNBK' s 10-Year P/S Range
Min: 0.33   Max: 4.52
Current: 3.5

0.33
4.52
PFCF 43.50
PNBK's PFCF is ranked higher than
71% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 227.00 vs. PNBK: 43.50 )
PNBK' s 10-Year PFCF Range
Min: 7.5   Max: 391.67
Current: 43.5

7.5
391.67
EV-to-EBIT -95.88
PNBK's EV-to-EBIT is ranked higher than
50% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.15 vs. PNBK: -95.88 )
PNBK' s 10-Year EV-to-EBIT Range
Min: 21.8   Max: 63.8
Current: -95.88

21.8
63.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.53
PNBK's Price/Tangible Book is ranked higher than
66% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. PNBK: 1.53 )
PNBK' s 10-Year Price/Tangible Book Range
Min: 0.21   Max: 3.05
Current: 1.53

0.21
3.05
Price/Median PS Value 1.27
PNBK's Price/Median PS Value is ranked higher than
64% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. PNBK: 1.27 )
PNBK' s 10-Year Price/Median PS Value Range
Min: 0.13   Max: 25.62
Current: 1.27

0.13
25.62
Earnings Yield (Greenblatt) 0.30
PNBK's Earnings Yield (Greenblatt) is ranked lower than
55% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. PNBK: 0.30 )
PNBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.6   Max: 4.6
Current: 0.3

1.6
4.6
Forward Rate of Return (Yacktman) -24.80
PNBK's Forward Rate of Return (Yacktman) is ranked lower than
51% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.57 vs. PNBK: -24.80 )
PNBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -30.3   Max: 30.9
Current: -24.8

-30.3
30.9

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'). 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. In addition, the Bank might in the future offer Keogh accounts and other financial services. 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. The Residential Lending Group solicits and processes mortgage loan applications from consumers on behalf of permanent investors and originate loans for sale. 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's mortgage brokerage business is concentrated mainly in the areas surrounding its loan origination offices. 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 Aug 19 2014
PATRIOT NATIONAL BANCORP INC Files SEC form 10-Q, Quarterly Report Aug 08 2014
Patriot National Bancorp Inc Stock Upgraded (PNBK) Aug 06 2014
PATRIOT NATIONAL BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition,... Aug 05 2014
Patriot National Bancorp Reports 20% Increase in Second Quarter Earnings Aug 04 2014
Patriot National Bancorp (PNBK) Stock Explodes to One-Year High Jul 24 2014
PATRIOT NATIONAL BANCORP INC Files SEC form 10-Q, Quarterly Report May 09 2014
PATRIOT NATIONAL BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition,... May 07 2014
PATRIOT NATIONAL BANCORP INC Files SEC form 10-K, Annual Report Mar 25 2014
PATRIOT NATIONAL BANCORP INC Files SEC form 8-K, Other Events Mar 18 2014
PATRIOT NATIONAL BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition,... Feb 05 2014
PATRIOT NATIONAL BANCORP INC Files SEC form 8-K, Notice of Delisting or Failure to Satisfy a... Jan 10 2014
PATRIOT NATIONAL BANCORP INC Files SEC form 10-Q, Quarterly Report Nov 13 2013
PATRIOT NATIONAL BANCORP INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Sep 20 2013
PATRIOT NATIONAL BANCORP INC Files SEC form 8-K, Change in Directors or Principal Officers Sep 10 2013

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