Patriot National Bancorp (FRA:PN21) Beginning Cash Position: €-3.82 Mil (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:PN21 Patriot National Bancorp Inc FRA:PN21
37 GF Score
Price €0.74
GF Value €0.11
! 1 Warning Sign
View Full Analysis

What is Patriot National Bancorp Beginning Cash Position?

Patriot National Bancorp FRA:PN21 -1.99% 37 Beginning Cash Position is €-3.82 Mil as of Jun. 2026. GuruFocus rates FRA:PN21 with a GF Score™ of 37/100 and a GF Value™ of €0.11. The stock has 1 warning sign investors should review.

Patriot National Bancorp's Beginning Cash Position for the quarter that ended in Jun. 2026 was €-3.82 Mil.

Patriot National Bancorp's quarterly Beginning Cash Position increased from Dec. 2025 (€14.76 Mil) to Mar. 2026 (€101.91 Mil) but then declined from Mar. 2026 (€101.91 Mil) to Jun. 2026 (€-3.82 Mil).

Patriot National Bancorp's annual Beginning Cash Position declined from Dec. 2023 (€-11.26 Mil) to Dec. 2024 (€-71.11 Mil) but then increased from Dec. 2024 (€-71.11 Mil) to Dec. 2025 (€-19.74 Mil).

Patriot National Bancorp Beginning Cash Position Related Terms

Patriot National Bancorp Beginning Cash Position Historical Data

* Premium members only.

The historical data trend for Patriot National Bancorp's Beginning Cash Position can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Patriot National Bancorp Beginning Cash Position Chart

Patriot National Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Beginning Cash Position
Get a 7-Day Free Trial Premium Member Only Premium Member Only -7.63 12.99 -11.26 -71.11 -19.74

Patriot National Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Beginning Cash Position Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -45.40 21.57 14.76 101.91 -3.82
FRA:PN21
37GF Score
Patriot National Bancorp Inc FRA:PN21
Beginning Cash Position is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Patriot National Bancorp Beginning Cash Position Calculation

Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement.

What does a Beginning Cash Position of €-3.82 Mil mean?
Patriot National Bancorp (FRA:PN21) has a Beginning Cash Position of €-3.82 Mil as of Jun. 2026. Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement. View historical data on Patriot National Bancorp and its competitors.
Is Patriot National Bancorp's Beginning Cash Position too high?
Patriot National Bancorp's current Beginning Cash Position is €-3.82 Mil. Overall, Patriot National Bancorp has a GF Score™ of 37/100, reflecting its overall financial health beyond just this single metric.
How does Patriot National Bancorp's Beginning Cash Position compare to MPCB and BLHK?
Patriot National Bancorp's Beginning Cash Position of €-3.82 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Beginning Cash Position for a Banks company?
A good Beginning Cash Position depends on the Banks industry context. However, Beginning Cash Position should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Beginning Cash Position mean?
A high Beginning Cash Position can signal that a stock is expensive relative to its fundamentals. Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement. View historical data on Patriot National Bancorp and its competitors. Patriot National Bancorp's current Beginning Cash Position is €-3.82 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Patriot National Bancorp stock overvalued right now?
Patriot National Bancorp (FRA:PN21) has a current Beginning Cash Position of €-3.82 Mil. The stock's GF Value™ is €0.11, compared to a current price of €0.74 — trading 572.7% above its estimated fair value. The current Beginning Cash Position is €-3.82 Mil. Patriot National Bancorp's overall GF Score™ is 37/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Beginning Cash Position calculated?
Beginning Cash Position is calculated from a company's financial statements. For Patriot National Bancorp (FRA:PN21), the current Beginning Cash Position is €-3.82 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Patriot National Bancorp (FRA:PN21) Overvalued in 2026?

Based on GuruFocus' analysis, Patriot National Bancorp stock appears to be overvalued. The current stock price of €0.74 is trading 572.7% above its estimated GF Value™ of €0.11.

Key valuation signals for FRA:PN21:

  • Beginning Cash Position: €-3.82 Mil
  • GF Value™: €0.11 vs. price of €0.74 (572.7% above fair value)
  • GF Score™: 37/100 with 1 warning sign

No single metric tells the full story. See the FRA:PN21 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Patriot National Bancorp Business Description

Other Exchanges PNBK:USA
Address 900 Bedford Street, Stamford, CT, USA, 06901
Patriot National Bancorp Inc provides consumer and commercial banking services to individuals, small and medium-sized businesses, professionals, and municipalities in Fairfield and New Haven Counties in Connecticut and Westchester County, New York. Its products include checking accounts, savings accounts, money market accounts, time certificates of deposit, and individual retirement accounts. The Bank's lending portfolio is comprised of commercial mortgage and construction loans, commercial loans, home improvement loans, home equity lines of credit, and other personal loans. In addition, the Bank offers bank checks, money orders, automated teller machines, interactive teller machines, online and mobile banking, credit cards, and debit cards.
37GF Score

Get the complete analysis for FRA:PN21

Beginning Cash Position is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.74
Price
€0.11
GF Value