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Patriot National BancorpPNBK +0.47%37 Debt-to-Equity is 0.19 as of Jun. 2026, which is 90% below its 10-year median of 1.94. GuruFocus rates PNBK with a GF Score™ of 37/100 and a GF Value™ of $0.14 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,411 Banks companies, Patriot National Bancorp ranks better than 78.03% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Patriot National Bancorp's Debt-to-Equity or its related term are showing as below:
PNBK'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.17 Med: 1.94 Max: 7.75
Current: 0.19
During the past 13 years, the highest Debt-to-Equity Ratio of Patriot National Bancorp was 7.75. The lowest was 0.17. And the median was 1.94.
PNBK's Debt-to-Equity is ranked better than 78.03% of 1411
companies
in the Banks industry
Industry Median: 0.58
vs PNBK: 0.19
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Patriot National Bancorp Debt-to-Equity Related Terms
Patriot National Bancorp Debt-to-Equity Historical Data
* 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.
PNBK vs MPCB, BLHK, BOTJ: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Patriot National Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Patriot National Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Patriot National Bancorp's Debt-to-Equity falls into.
* 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 (PNBK) has a Debt-to-Equity of 0.19 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Patriot National Bancorp and its competitors. This is 90% below median its historical median of 1.94. Over the past decade, Patriot National Bancorp's Debt-to-Equity has ranged from 0.17 to 7.75. According to the industry distribution chart, Patriot National Bancorp ranks #310 out of 1411 companies in the Banks industry, placing it in the top 22%.
Is Patriot National Bancorp's Debt-to-Equity too high?
Patriot National Bancorp's current Debt-to-Equity of 0.19 is 90% below median its 10-year median of 1.94. Over the past 10 years, this metric has ranged from a low of 0.17 to a high of 7.75. The Banks industry median Debt-to-Equity is 0.58. Patriot National Bancorp's value of 0.19 is 67.2% below this industry median. Based on the distribution chart, Patriot National Bancorp ranks #310 out of 1411 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Patriot National Bancorp has a GF Score™ of 37/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Patriot National Bancorp's Debt-to-Equity compare to MPCB and BLHK?
According to the Banks industry distribution chart, Patriot National Bancorp ranks #310 out of 1411 companies for Debt-to-Equity. This places Patriot National Bancorp in the top 22% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. Patriot National Bancorp's value of 0.19 is 67.2% below this benchmark. Historically, Patriot National Bancorp's own Debt-to-Equity has ranged from 0.17 to 7.75 over the past decade. While the company's 10-year median is 1.94 vs. the industry median of 0.58, Patriot National Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,411 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Patriot National Bancorp's current Debt-to-Equity of 0.19 is 67.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Patriot National Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Patriot National Bancorp's current Debt-to-Equity is 0.19, which is 90% below median its own 10-year median of 1.94. 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?
Based on GuruFocus' analysis, Patriot National Bancorp (PNBK) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.14, compared to a current price of $1.08 — trading 671.4% above its estimated fair value. The current Debt-to-Equity is 0.19, which is 90% below median its 10-year median of 1.94 and 67.2% below the Banks industry median of 0.58. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Patriot National Bancorp (PNBK), the current Debt-to-Equity is 0.19 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 (PNBK) Overvalued in 2026?
Based on GuruFocus' analysis, Patriot National Bancorp stock appears to be overvalued.
The current stock price of $1.08 is trading 671.4% above its estimated GF Value™ of $0.14.
GuruFocus considers Patriot National Bancorp to be Significantly Overvalued.
Key valuation signals for PNBK:
Debt-to-Equity: 0.19 (90% below median its 10-year median of 1.94)
GF Value™: $0.14 vs. price of $1.08 (671.4% above fair value)
Industry Position: 67.2% below the Banks median (#310 of 1411)
No single metric tells the full story. See the PNBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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
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