Patriot National BancorpPNBK -9.51%37 Median PS Value is $0.49 as of Jun. 27, 2026, which is 22% below its 10-year median of 0.63. 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. Among 1,042 Banks companies, Patriot National Bancorp ranks worse than 92.99% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for Patriot National Bancorp's Median PS Value or its related term are showing as below:
PNBK'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.11 Med: 0.63 Max: 2.63
Current: 1.96
During the past 13 years, the highest Price to Median PS Value of Patriot National Bancorp was 2.63. The lowest was 0.11. And the median was 0.63.
PNBK's Price-to-Median-PS-Value is ranked worse than 92.99% of 1042
companies
in the Banks industry
Industry Median: 1.11
vs PNBK: 1.96
Patriot National Bancorp (NAS:PNBK) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Patriot National Bancorp's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
0.9592
/
0.49
=
1.96
* 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 Median PS Value Related Terms
Patriot National Bancorp Median PS Value 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 BEOB, WRIV, FFDF: Median PS Value Comparison
For the Banks - Regional subindustry, Patriot National Bancorp's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, Patriot National Bancorp's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Patriot National Bancorp's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 1.5217.
Patriot National Bancorp's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.322.
* 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 Median PS Value of $0.49 as of Jun. 27, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Patriot National Bancorp and its competitors. This is 22% below median its historical median of 0.63. Over the past decade, Patriot National Bancorp's Median PS Value has ranged from 0.11 to 2.63. According to the industry distribution chart, Patriot National Bancorp ranks #969 out of 1042 companies in the Banks industry, placing it in the top 93%.
Is Patriot National Bancorp's Median PS Value too high?
Patriot National Bancorp's current Median PS Value of $0.49 is 22% below median its 10-year median of 0.63. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 2.63. The Banks industry median Median PS Value is 1.11. Patriot National Bancorp's value of $0.49 is 55.9% below this industry median. Based on the distribution chart, Patriot National Bancorp ranks #969 out of 1042 companies in the Banks industry, which is in the bottom quartile 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 Median PS Value compare to BEOB and WRIV?
According to the Banks industry distribution chart, Patriot National Bancorp ranks #969 out of 1042 companies for Median PS Value. This places Patriot National Bancorp in the lower half of its industry. The industry median Median PS Value is 1.11. Patriot National Bancorp's value of $0.49 is 55.9% below this benchmark. Historically, Patriot National Bancorp's own Median PS Value has ranged from 0.11 to 2.63 over the past decade. While the company's 10-year median is 0.63 vs. the industry median of 1.11, 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 Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.11, based on 1,042 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Patriot National Bancorp's current Median PS Value of $0.49 is 55.9% 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Patriot National Bancorp and its competitors. For the Banks industry, the median Median PS Value is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Patriot National Bancorp's current Median PS Value is $0.49, which is 22% below median its own 10-year median of 0.63. 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 $0.96 — trading 637.8% above its estimated fair value. The current Median PS Value is $0.49, which is 22% below median its 10-year median of 0.63 and 55.9% below the Banks industry median of 1.11. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Patriot National Bancorp (PNBK), the current Median PS Value is $0.49 as of Jun. 27, 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 $0.96 is trading 637.8% above its estimated GF Value™ of $0.13.
GuruFocus considers Patriot National Bancorp to be Significantly Overvalued.
Key valuation signals for PNBK:
Median PS Value: $0.49 (22% below median its 10-year median of 0.63)
GF Value™: $0.13 vs. price of $0.96 (637.8% above fair value)
Industry Position: 55.9% below the Banks median (#969 of 1042)
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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