PNBK (Patriot National Bancorp) Scaled Net Operating Assets: -0.10 (As of Mar. 2026)


PNBK Patriot National Bancorp Inc PNBK
37 GF Score
Price $1.35
GF Value $0.13
Valuation Significantly Overvalued
! 1 Warning Sign
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What is Patriot National Bancorp Scaled Net Operating Assets?

Patriot National Bancorp PNBK +12.50% 37 Scaled Net Operating Assets is -0.10 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Patriot National Bancorp's operating assets for the quarter that ended in Mar. 2026 was $953.88 Mil. Patriot National Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $1,060.13 Mil. Patriot National Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $1,087.84 Mil. Therefore, Patriot National Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.10.

PNBK
37GF Score
Patriot National Bancorp Inc PNBK
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Patriot National Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Patriot National Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(901.449-976.714)/1012.292
=-0.07

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1087.84 - 186.391
=901.449

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=993.16 - 16.446 - 0
=976.714

Patriot National Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(953.877-1060.132)/1087.84
=-0.10

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1176.794 - 222.917
=953.877

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1086.587 - 26.455 - 0
=1060.132

* 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.

What does a Scaled Net Operating Assets of -0.10 mean?
Patriot National Bancorp (PNBK) has a Scaled Net Operating Assets of -0.10 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Patriot National Bancorp and its competitors.
Is Patriot National Bancorp's Scaled Net Operating Assets too high?
Patriot National Bancorp's current Scaled Net Operating Assets is -0.10. 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 Scaled Net Operating Assets compare to KTHN and UNIB?
Patriot National Bancorp's Scaled Net Operating Assets of -0.10 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Patriot National Bancorp and its competitors. Patriot National Bancorp's current Scaled Net Operating Assets is -0.10. 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 $1.35 — trading 938.5% above its estimated fair value. The current Scaled Net Operating Assets is -0.10. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Patriot National Bancorp (PNBK), the current Scaled Net Operating Assets is -0.10 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 $1.35 is trading 938.5% above its estimated GF Value™ of $0.13. GuruFocus considers Patriot National Bancorp to be Significantly Overvalued.

Key valuation signals for PNBK:

  • Scaled Net Operating Assets: -0.10
  • GF Value™: $0.13 vs. price of $1.35 (938.5% above fair value)
  • GF Score™: 37/100 with 1 warning sign

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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1.35
Price
$0.13
GF Value