Patriot National BancorpPNBK +0.85%37 PS Ratio is 3.66 as of Jul. 12, 2026, which is 132% above its 10-year median of 1.58. 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 1,520 Banks companies, Patriot National Bancorp ranks worse than 65.07% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Patriot National Bancorp's share price is $1.18.
Patriot National Bancorp's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was $0.32. Hence, Patriot National Bancorp's PS Ratio for today is 3.66.
The historical rank and industry rank for Patriot National Bancorp's PS Ratio or its related term are showing as below:
PNBK'
s PS Ratio Range Over the Past 10 Years
Min: 0.15 Med: 1.58 Max: 4.22
Current: 3.66
During the past 13 years, Patriot National Bancorp's highest PS Ratio was 4.22. The lowest was 0.15. And the median was 1.58.
PNBK's PS Ratio is ranked worse than 65.07% of 1520
companies
in the Banks industry
Industry Median: 3.025
vs PNBK: 3.66
Patriot National Bancorp Inc revenue per share has been in decline for the last 5 years.
During the past 12 months, the average Revenue per Share Growth Rate of Patriot National Bancorp was -94.30% per year.
During the past 3 years, the average Revenue per Share Growth Rate was -65.40% per year.
During the past 5 years, the average Revenue per Share Growth Rate was -33.80% per year.
During the past 10 years, the average Revenue per Share Growth Rate was -10.20% per year.
During the past 13 years, Patriot National Bancorp's highest 3-Year average Revenue per Share Growth Rate was 214.20% per year. The lowest was -65.40% per year. And the median was 5.40% per year.
Back to Basics: PS Ratio
Patriot National Bancorp (NAS:PNBK) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
* 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 PS Ratio, along with its competitors' market caps and PS Ratio 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Patriot National Bancorp's PS Ratio distribution charts can be found below:
* The bar in red indicates where Patriot National Bancorp's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Patriot National Bancorp's Share Price of today is $1.18. 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 $0.32.
* 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.
It can also be calculated from the numbers for the whole company:
Patriot National Bancorp (PNBK) has a PS Ratio of 3.66 as of Jul. 12, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Patriot National Bancorp and its competitors. This is 132% above median its historical median of 1.58. Over the past decade, Patriot National Bancorp's PS Ratio has ranged from 0.15 to 4.22. According to the industry distribution chart, Patriot National Bancorp ranks #989 out of 1520 companies in the Banks industry, placing it in the top 65.1%.
Is Patriot National Bancorp's PS Ratio too high?
Patriot National Bancorp's current PS Ratio of 3.66 is 132% above median its 10-year median of 1.58. Over the past 10 years, this metric has ranged from a low of 0.15 to a high of 4.22. The Banks industry median PS Ratio is 3.03. Patriot National Bancorp's value of 3.66 is 21% above this industry median. Based on the distribution chart, Patriot National Bancorp ranks #989 out of 1520 companies in the Banks industry, which is below 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 PS Ratio compare to KTHN and UNIB?
According to the Banks industry distribution chart, Patriot National Bancorp ranks #989 out of 1520 companies for PS Ratio. This places Patriot National Bancorp in the lower half of its industry. The industry median PS Ratio is 3.03. Patriot National Bancorp's value of 3.66 is 21% above this benchmark. Historically, Patriot National Bancorp's own PS Ratio has ranged from 0.15 to 4.22 over the past decade. While the company's 10-year median is 1.58 vs. the industry median of 3.03, Patriot National Bancorp has consistently been above 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.03, based on 1,520 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Patriot National Bancorp's current PS Ratio of 3.66 is 21% above 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Patriot National Bancorp and its competitors. For the Banks industry, the median PS Ratio is 3.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Patriot National Bancorp's current PS Ratio is 3.66, which is 132% above median its own 10-year median of 1.58. 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 $1.18 — trading 807.7% above its estimated fair value. The current PS Ratio is 3.66, which is 132% above median its 10-year median of 1.58 and 21% above the Banks industry median of 3.03. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Patriot National Bancorp (PNBK), the current PS Ratio is 3.66 as of Jul. 12, 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 $1.18 is trading 807.7% above its estimated GF Value™ of $0.13.
GuruFocus considers Patriot National Bancorp to be Significantly Overvalued.
Key valuation signals for PNBK:
PS Ratio: 3.66 (132% above median its 10-year median of 1.58)
GF Value™: $0.13 vs. price of $1.18 (807.7% above fair value)
Industry Position: 21% above the Banks median (#989 of 1520)
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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