PNBK (Patriot National Bancorp) LT-Debt-to-Total-Asset: 0.02 (As of Mar. 2026)

What is Patriot National Bancorp LT-Debt-to-Total-Asset?

Patriot National Bancorp PNBK -3.54% 37 LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. GuruFocus rates PNBK with a GF Score™ of 37/100 and a GF Value™ of $0.13 (Significantly Overvalued). The stock has 1 warning sign investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Patriot National Bancorp's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.02.

Patriot National Bancorp's long-term debt to total assets ratio declined from Mar. 2025 (0.03) to Mar. 2026 (0.02). It may suggest that Patriot National Bancorp is progressively becoming less dependent on debt to grow their business.

Patriot National Bancorp (NAS:PNBK) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Patriot National Bancorp LT-Debt-to-Total-Asset Related Terms

Patriot National Bancorp LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Patriot National Bancorp's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Patriot National Bancorp Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.13

0.11

0.18

0.03

0.02

Patriot National Bancorp Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.03	0.02	0.02	0.02	0.02

37GF Score

Patriot National Bancorp Inc PNBK

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Patriot National Bancorp LT-Debt-to-Total-Asset Calculation

Patriot National Bancorp's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	16.446	/	1087.84
	=	0.02

Patriot National Bancorp's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	26.455	/	1176.794
	=	0.02

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.02 mean?

Patriot National Bancorp (PNBK) has a LT-Debt-to-Total-Asset of 0.02 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Patriot National Bancorp and its competitors.

Is Patriot National Bancorp's LT-Debt-to-Total-Asset too high?

Patriot National Bancorp's current LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset compare to KTHN and UNIB?

Patriot National Bancorp's LT-Debt-to-Total-Asset of 0.02 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Patriot National Bancorp and its competitors. Patriot National Bancorp's current LT-Debt-to-Total-Asset is 0.02. 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 $0.13, compared to a current price of $1.09 — trading 738.5% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Patriot National Bancorp (PNBK), the current LT-Debt-to-Total-Asset is 0.02 as of Mar. 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 $1.09 is trading 738.5% above its estimated GF Value™ of $0.13. GuruFocus considers Patriot National Bancorp to be Significantly Overvalued.

Key valuation signals for PNBK:

LT-Debt-to-Total-Asset: 0.02
GF Value™: $0.13 vs. price of $1.09 (738.5% above fair value)
GF Score™: 37/100 with 1 warning sign

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 Business Description

Industry Financial Services Banks

Comparable Companies KTHN UNIB MPCB BOTJ FKYS CNBP UNB MGYR CWBK PBNK SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Other Exchanges PN21:Germany

Address 900 Bedford Street, Stamford, CT, USA, 06901

Website https://www.bankpatriot.com

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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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1.09

Price

$0.13

GF Value

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