PNBK (Patriot National Bancorp) Moat Score: 2/10 (As of Jul. 07, 2026)


PNBK Patriot National Bancorp Inc PNBK
37 GF Score
Price $1.23
GF Value $0.13
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Patriot National Bancorp Moat Score?

Patriot National Bancorp PNBK -8.15% 37 Moat Score is 2 as of Jul. 07, 2026. GuruFocus rates PNBK with a GF Score™ of 37/100 and a GF Value™ of $0.13 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,611 Banks companies, Patriot National Bancorp ranks better than 59.9% on this metric.

Patriot National Bancorp has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Patriot National Bancorp has No Moat: Patriot National Bancorp Inc lacks significant market leadership or unique competitive advantages. It operates in a highly competitive banking sector with minimal customer switching costs and no significant intellectual property or brand strength.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Patriot National Bancorp might have No Moat - Very weak/transient advantages.

Patriot National Bancorp  (NAS:PNBK) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Patriot National Bancorp Moat Score Related Terms

PNBK vs KTHN, UNIB, MPCB: Moat Score Comparison

For the Banks - Regional subindustry, Patriot National Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

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

* The bar in red indicates where Patriot National Bancorp's Moat Score falls into.


PNBK
37GF Score
Patriot National Bancorp Inc PNBK
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
Patriot National Bancorp (PNBK) has a Moat Score of 2 as of Jul. 07, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Patriot National Bancorp ranks #646 out of 1611 companies in the Banks industry, placing it in the top 40.1%.
Is Patriot National Bancorp's Moat Score too high?
Patriot National Bancorp's current Moat Score is 2. Based on the distribution chart, Patriot National Bancorp ranks #646 out of 1611 companies in the Banks industry, which is above the industry midpoint. 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 Moat Score compare to KTHN and UNIB?
According to the Banks industry distribution chart, Patriot National Bancorp ranks #646 out of 1611 companies for Moat Score. This puts Patriot National Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Patriot National Bancorp's current Moat Score is 2. 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 $1.23 — trading 842.3% above its estimated fair value. The current Moat Score is 2. Patriot National Bancorp's overall GF Score™ is 37/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Patriot National Bancorp (PNBK), the current Moat Score is 2 as of Jul. 07, 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 $1.23 is trading 842.3% above its estimated GF Value™ of $0.13. GuruFocus considers Patriot National Bancorp to be Significantly Overvalued.

Key valuation signals for PNBK:

  • Moat Score: 2
  • GF Value™: $0.13 vs. price of $1.23 (842.3% above fair value)
  • GF Score™: 37/100 with 2 warning signs

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

Other Exchanges PN21:Germany
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

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

$1.23
Price
$0.13
GF Value