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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 0.51
PNBK's Cash to Debt is ranked lower than
68% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. PNBK: 0.51 )
Ranked among companies with meaningful Cash to Debt only.
PNBK' s 10-Year Cash to Debt Range
Min: 0.02  Med: 1.22 Max: 48.33
Current: 0.51
0.02
48.33
Equity to Asset 0.09
PNBK's Equity to Asset is ranked lower than
62% of the 1323 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 10-Year Equity to Asset Range
Min: 0.03  Med: 0.08 Max: 0.13
Current: 0.09
0.03
0.13
Interest Coverage 0.32
PNBK's Interest Coverage is ranked lower than
87% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. PNBK: 0.32 )
Ranked among companies with meaningful Interest Coverage only.
PNBK' s 10-Year Interest Coverage Range
Min: 0.04  Med: 0.20 Max: 0.4
Current: 0.32
0.04
0.4
F-Score: 5
WACC vs ROIC
17.67%
15.27%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 5.62
PNBK's Operating margin (%) is ranked lower than
90% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. PNBK: 5.62 )
Ranked among companies with meaningful Operating margin (%) only.
PNBK' s 10-Year Operating margin (%) Range
Min: -100.51  Med: 7.34 Max: 16.51
Current: 5.62
-100.51
16.51
Net-margin (%) 78.01
PNBK's Net-margin (%) is ranked higher than
97% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. PNBK: 78.01 )
Ranked among companies with meaningful Net-margin (%) only.
PNBK' s 10-Year Net-margin (%) Range
Min: -110.79  Med: 7.98 Max: 81.69
Current: 78.01
-110.79
81.69
ROE (%) 29.62
PNBK's ROE (%) is ranked higher than
97% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. PNBK: 29.62 )
Ranked among companies with meaningful ROE (%) only.
PNBK' s 10-Year ROE (%) Range
Min: -50.47  Med: 5.05 Max: 31.24
Current: 29.62
-50.47
31.24
ROA (%) 2.60
PNBK's ROA (%) is ranked higher than
91% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. PNBK: 2.60 )
Ranked among companies with meaningful ROA (%) only.
PNBK' s 10-Year ROA (%) Range
Min: -2.68  Med: 0.37 Max: 2.68
Current: 2.6
-2.68
2.68
ROC (Joel Greenblatt) (%) 5.82
PNBK's ROC (Joel Greenblatt) (%) is ranked lower than
88% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. PNBK: 5.82 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
PNBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -329.69  Med: 44.77 Max: 200.72
Current: 5.82
-329.69
200.72
Revenue Growth (3Y)(%) -6.30
PNBK's Revenue Growth (3Y)(%) is ranked lower than
81% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. PNBK: -6.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PNBK' s 10-Year Revenue Growth (3Y)(%) Range
Min: -52.6  Med: 1.00 Max: 38.5
Current: -6.3
-52.6
38.5
» 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/E(ttm) 4.11
PNBK's P/E(ttm) is ranked higher than
96% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. PNBK: 4.11 )
Ranked among companies with meaningful P/E(ttm) only.
PNBK' s 10-Year P/E(ttm) Range
Min: 3.53  Med: 37.59 Max: 57.73
Current: 4.11
3.53
57.73
PE(NRI) 3.90
PNBK's PE(NRI) is ranked higher than
96% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. PNBK: 3.90 )
Ranked among companies with meaningful PE(NRI) only.
PNBK' s 10-Year PE(NRI) Range
Min: 3.52  Med: 37.30 Max: 57.67
Current: 3.9
3.52
57.67
P/B 1.11
PNBK's P/B is ranked higher than
53% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. PNBK: 1.11 )
Ranked among companies with meaningful P/B only.
PNBK' s 10-Year P/B Range
Min: 0.2  Med: 1.22 Max: 3.03
Current: 1.11
0.2
3.03
P/S 3.24
PNBK's P/S is ranked lower than
52% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. PNBK: 3.24 )
Ranked among companies with meaningful P/S only.
PNBK' s 10-Year P/S Range
Min: 0.33  Med: 2.79 Max: 4.52
Current: 3.24
0.33
4.52
PFCF 4.61
PNBK's PFCF is ranked higher than
74% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.27 vs. PNBK: 4.61 )
Ranked among companies with meaningful PFCF only.
PNBK' s 10-Year PFCF Range
Min: 4.04  Med: 29.35 Max: 405.17
Current: 4.61
4.04
405.17
POCF 2.78
PNBK's POCF is ranked higher than
80% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. PNBK: 2.78 )
Ranked among companies with meaningful POCF only.
PNBK' s 10-Year POCF Range
Min: 2.44  Med: 18.81 Max: 40.28
Current: 2.78
2.44
40.28
EV-to-EBIT 113.98
PNBK's EV-to-EBIT is ranked lower than
97% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. PNBK: 113.98 )
Ranked among companies with meaningful EV-to-EBIT only.
PNBK' s 10-Year EV-to-EBIT Range
Min: -632.3  Med: 23.00 Max: 132.8
Current: 113.98
-632.3
132.8
Days Sales Outstanding 35.85
PNBK's Days Sales Outstanding is ranked lower than
54% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.98 vs. PNBK: 35.85 )
Ranked among companies with meaningful Days Sales Outstanding only.
PNBK' s 10-Year Days Sales Outstanding Range
Min: 29.73  Med: 47.92 Max: 78.21
Current: 35.85
29.73
78.21

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.12
PNBK's Price/Tangible Book is ranked higher than
58% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. PNBK: 1.12 )
Ranked among companies with meaningful Price/Tangible Book only.
PNBK' s 10-Year Price/Tangible Book Range
Min: 0.21  Med: 1.37 Max: 3.01
Current: 1.12
0.21
3.01
Price/Projected FCF 2.89
PNBK's Price/Projected FCF is ranked lower than
94% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. PNBK: 2.89 )
Ranked among companies with meaningful Price/Projected FCF only.
PNBK' s 10-Year Price/Projected FCF Range
Min: 0.26  Med: 1.28 Max: 35.66
Current: 2.89
0.26
35.66
Price/Median PS Value 1.16
PNBK's Price/Median PS Value is ranked lower than
52% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. PNBK: 1.16 )
Ranked among companies with meaningful Price/Median PS Value only.
PNBK' s 10-Year Price/Median PS Value Range
Min: 0.12  Med: 0.97 Max: 34.16
Current: 1.16
0.12
34.16
Price/Graham Number 0.46
PNBK's Price/Graham Number is ranked higher than
89% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. PNBK: 0.46 )
Ranked among companies with meaningful Price/Graham Number only.
PNBK' s 10-Year Price/Graham Number Range
Min: 0.42  Med: 1.42 Max: 2.8
Current: 0.46
0.42
2.8
Earnings Yield (Greenblatt) (%) 0.88
PNBK's Earnings Yield (Greenblatt) (%) is ranked lower than
88% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. PNBK: 0.88 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PNBK' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.8  Med: 3.00 Max: 42626.4
Current: 0.88
0.8
42626.4
Forward Rate of Return (Yacktman) (%) 12.37
PNBK's Forward Rate of Return (Yacktman) (%) is ranked lower than
52% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. PNBK: 12.37 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PNBK' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -6.1  Med: -1.00 Max: 41.5
Current: 12.37
-6.1
41.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Patriot National Bancorp Inc was organized in 1999. The Company is a one-bank holding company for Patriot National Bank. 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 NAS: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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