Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Patriot National Bancorp's annualized net income for the quarter that ended in Mar. 2026 was $-7.02 Mil. Patriot National Bancorp's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $92.34 Mil. Therefore, Patriot National Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was -7.60%.
The historical rank and industry rank for Patriot National Bancorp's Return-on-Tangible-Equity or its related term are showing as below:
PNBK'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -165.18 Med: -0.58 Max: 9.92
Current: -14.51
During the past 13 years, Patriot National Bancorp's highest Return-on-Tangible-Equity was 9.92%. The lowest was -165.18%. And the median was -0.58%.
PNBK's Return-on-Tangible-Equity is ranked worse than 98.43% of 1526
companies
in the Banks industry
Industry Median: 11.195
vs PNBK: -14.51
Patriot National Bancorp (NAS:PNBK) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Patriot National Bancorp Return-on-Tangible-Equity Related Terms
Patriot National Bancorp Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Patriot National Bancorp's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
PNBK vs KTHN, UNIB, MPCB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Patriot National Bancorp's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Patriot National Bancorp's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Patriot National Bancorp's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of -7.60% mean?
Patriot National Bancorp (PNBK) has a Return-on-Tangible-Equity of -7.60% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Patriot National Bancorp and its competitors. According to the industry distribution chart, Patriot National Bancorp ranks #1502 out of 1526 companies in the Banks industry, placing it in the top 98.4%.
Is Patriot National Bancorp's Return-on-Tangible-Equity too high?
Patriot National Bancorp's current Return-on-Tangible-Equity is -7.60%. Based on the distribution chart, Patriot National Bancorp ranks #1502 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 Return-on-Tangible-Equity compare to KTHN and UNIB?
According to the Banks industry distribution chart, Patriot National Bancorp ranks #1502 out of 1526 companies for Return-on-Tangible-Equity. This places Patriot National Bancorp in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Patriot National Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Patriot National Bancorp's current Return-on-Tangible-Equity is -7.60%. 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 Return-on-Tangible-Equity is -7.60%. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Patriot National Bancorp (PNBK), the current Return-on-Tangible-Equity is -7.60% 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 $1.18 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:
Return-on-Tangible-Equity: -7.60%
GF Value™: $0.13 vs. price of $1.18 (807.7% 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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Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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