The historical rank and industry rank for Patriot National Bancorp's Net Margin % or its related term are showing as below:
PNBK'
s Net Margin % Range Over the Past 10 Years
Min: -141.07 Med: -1.04 Max: 17.24
Current: -35.26
PNBK's Net Margin % is ranked worse than 98.03% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs PNBK: -35.26
Patriot National Bancorp (NAS:PNBK) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Patriot National Bancorp Net Margin % Related Terms
Patriot National Bancorp Net Margin % 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.
For the Banks - Regional subindustry, Patriot National Bancorp's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Patriot National Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Patriot National Bancorp's Net Margin % 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 Net Margin % of -17.05% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Patriot National Bancorp and its competitors. According to the industry distribution chart, Patriot National Bancorp ranks #1496 out of 1526 companies in the Banks industry, placing it in the top 98%.
Is Patriot National Bancorp's Net Margin % too high?
Patriot National Bancorp's current Net Margin % is -17.05%. Based on the distribution chart, Patriot National Bancorp ranks #1496 out of 1526 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 Net Margin % compare to BEOB and WRIV?
According to the Banks industry distribution chart, Patriot National Bancorp ranks #1496 out of 1526 companies for Net Margin %. This places Patriot National Bancorp in the lower half of its industry. The industry median Net Margin % is 26.97. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Patriot National Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Patriot National Bancorp's current Net Margin % is -17.05%. 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 $1.06 — trading 711.5% above its estimated fair value. The current Net Margin % is -17.05%. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Patriot National Bancorp (PNBK), the current Net Margin % is -17.05% 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 $1.06 is trading 711.5% above its estimated GF Value™ of $0.13.
GuruFocus considers Patriot National Bancorp to be Significantly Overvalued.
Key valuation signals for PNBK:
Net Margin %: -17.05%
GF Value™: $0.13 vs. price of $1.06 (711.5% above fair value)
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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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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