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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Patriot National Bancorp's 3-Year RORE % for the quarter that ended in Mar. 2026 was -7.38%.
The industry rank for Patriot National Bancorp's 3-Year RORE % or its related term are showing as below:
PNBK's 3-Year RORE % is ranked worse than 80.57% of 1472
companies
in the Banks industry
Industry Median: 9.905
vs PNBK: -7.38
Patriot National Bancorp (NAS:PNBK) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Patriot National Bancorp 3-Year RORE % Related Terms
Patriot National Bancorp 3-Year RORE % 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 KTHN, UNIB, MPCB: 3-Year RORE % Comparison
For the Banks - Regional subindustry, Patriot National Bancorp's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Patriot National Bancorp's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Patriot National Bancorp's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Patriot National Bancorp (PNBK) has a 3-Year RORE % of -7.38 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Patriot National Bancorp and its competitors. According to the industry distribution chart, Patriot National Bancorp ranks #1186 out of 1472 companies in the Banks industry, placing it in the top 80.6%.
Is Patriot National Bancorp's 3-Year RORE % too high?
Patriot National Bancorp's current 3-Year RORE % is -7.38. Based on the distribution chart, Patriot National Bancorp ranks #1186 out of 1472 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 3-Year RORE % compare to KTHN and UNIB?
According to the Banks industry distribution chart, Patriot National Bancorp ranks #1186 out of 1472 companies for 3-Year RORE %. This places Patriot National Bancorp in the lower half of its industry. The industry median 3-Year RORE % is 9.91. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.91, based on 1,472 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Patriot National Bancorp and its competitors. For the Banks industry, the median 3-Year RORE % is 9.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Patriot National Bancorp's current 3-Year RORE % is -7.38. 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 $1.19 — trading 811.5% above its estimated fair value. The current 3-Year RORE % is -7.38. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Patriot National Bancorp (PNBK), the current 3-Year RORE % is -7.38 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 $1.19 is trading 811.5% above its estimated GF Value™ of $0.13.
GuruFocus considers Patriot National Bancorp to be Significantly Overvalued.
Key valuation signals for PNBK:
3-Year RORE %: -7.38
GF Value™: $0.13 vs. price of $1.19 (811.5% 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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