Patriot National Bancorp (FRA:PN21) Book Value per Share: €0.66 (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 €0.82
GF Value €0.11
! 1 Warning Sign
View Full Analysis

What is Patriot National Bancorp Book Value per Share?

Patriot National Bancorp FRA:PN21 37 Book Value per Share is €0.66 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 book value per share for the quarter that ended in Jun. 2026 was €0.66.

During the past 12 months, Patriot National Bancorp's average Book Value Per Share Growth Rate was 6.20% per year. During the past 3 years, the average Book Value Per Share Growth Rate was -62.00% per year. During the past 5 years, the average Book Value Per Share Growth Rate was -48.80% per year. During the past 10 years, the average Book Value Per Share Growth Rate was -21.90% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the book value growth rate using book value per share data.

During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Patriot National Bancorp was 21.00% per year. The lowest was -62.00% per year. And the median was 4.10% per year.

Patriot National Bancorp's current price is €0.815. Its book value per share for the quarter that ended in Jun. 2026 was €0.66. Hence, today's PB Ratio of Patriot National Bancorp is 1.24.

During the past 13 years, the highest P/B Ratio of Patriot National Bancorp was 8.10. The lowest was 0.17. And the median was 0.83.


Patriot National Bancorp  (FRA:PN21) Book Value per Share Explanation

Usually a company's book value and Tangible Book per Share may not reflect its true value. The assets may be carried on the balance sheets at the original cost minus depreciation. This may underestimate the true economic values of the assets. It also may over-estimate their true economic value because the assets can become obsolete.

For financial companies such as banks and insurance companies, their assets may be reported in current market value of the assets owned. Book values of financial companies are more accurate indicator of the economic value of the company.


Patriot National Bancorp Book Value per Share Related Terms


Patriot National Bancorp Book Value per Share Historical Data

* Premium members only.

The historical data trend for Patriot National Bancorp's Book Value per Share 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 Book Value per Share Chart

Patriot National Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Book Value per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 15.07 14.19 10.24 1.02 0.70

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
Book Value per Share 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 0.62 0.70 0.70 0.67 0.66

FRA:PN21 vs MPCB, BLHK, BOTJ: Book Value per Share Comparison

For the Banks - Regional subindustry, Patriot National Bancorp's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Patriot National Bancorp PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Patriot National Bancorp's PB Ratio distribution charts can be found below:

* The bar in red indicates where Patriot National Bancorp's PB Ratio falls into.


FRA:PN21
37GF Score
Patriot National Bancorp Inc FRA:PN21
Book Value per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Patriot National Bancorp Book Value per Share Calculation

Patriot National Bancorp's Book Value Per Share for the fiscal year that ended in Dec. 2025 is calculated as:

Book Value Per Share=(Total Stockholders Equity-Preferred Stock)/Shares Outstanding (EOP)
=(80.86-0.00)/115.00
=0.70

Patriot National Bancorp's Book Value Per Share for the quarter that ended in Jun. 2026 is calculated as:

Book Value Per Share=(Total Stockholders Equity-Preferred Stock)/Shares Outstanding (EOP)
=(77.20-0.00)/117.66
=0.66

* 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.

Theoretically it is what the shareholders will receive if the company is liquidated. Total Stockholders Equity is a balance sheet item and equal to Total Assets less Total Liabilities of the company.

Book value may include intangible items which may come from the company's past acquisitions. Book value less intangibles is called Tangible Book.

Frequently Asked Questions Learn more about Book Value per Share →
What does a Book Value per Share of €0.66 mean?
Patriot National Bancorp (FRA:PN21) has a Book Value per Share of €0.66 as of Jun. 2026. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Patriot National Bancorp and its competitors.
Is Patriot National Bancorp's Book Value per Share too high?
Patriot National Bancorp's current Book Value per Share is €0.66. 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 Book Value per Share compare to MPCB and BLHK?
Patriot National Bancorp's Book Value per Share of €0.66 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 Book Value per Share for a Banks company?
A good Book Value per Share depends on the Banks industry context. However, Book Value per Share 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 Book Value per Share mean?
A high Book Value per Share can signal that a stock is expensive relative to its fundamentals. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Patriot National Bancorp and its competitors. Patriot National Bancorp's current Book Value per Share is €0.66. 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 Book Value per Share of €0.66. The stock's GF Value™ is €0.11, compared to a current price of €0.82 — trading 640.9% above its estimated fair value. The current Book Value per Share is €0.66. 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 Book Value per Share calculated?
Book Value per Share is calculated from a company's financial statements. For Patriot National Bancorp (FRA:PN21), the current Book Value per Share is €0.66 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 €0.82 is trading 640.9% above its estimated GF Value™ of €0.11.

Key valuation signals for FRA:PN21:

  • Book Value per Share: €0.66
  • GF Value™: €0.11 vs. price of €0.82 (640.9% 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

Book Value per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.82
Price
€0.11
GF Value