Stocks · Financial Services · Banks - Regional
Patriot National Bancorp, Inc. PNBK
$0.93 -0.56% Close, Oct 5, 2026 · NASDAQ · Market cap $109.4M
Weak trendExpensive vs sectorHigh risk
Next earnings report: Nov 13, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to -8.7% from -34.1% a year earlier.
- The diluted share count rose 50.4% in a year.
- The stock is in a downtrend: below its 200-day average, with the 50-day average below the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 27%
- Revenue growth, 3-year CAGRBottom 21%
- Revenue growth accelerationTop 7%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 13%
- Gross marginBottom 35%
- Operating marginBottom 8%
- Accruals (lower is better)Bottom 24%
- Interest coverBottom 9%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 7%
- Free-cash-flow yieldBottom 7%
- EBITDA / enterprise valueBottom 6%
- Sales / enterprise valueTop 25%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 13%
- 6-month returnBottom 3%
- 1-year return vs S&P 500Bottom 11%
- Distance from 52-week highBottom 5%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 3%
- Consecutive EPS beatsBottom 17%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 11%
- Maximum drawdown, 3 yearsBottom 3%
- Beta vs S&P 500 (lower is better)Bottom 24%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 2.5% | 15.9% | ↑ |
| Gross margin | 26.7% | 58.8% | ↑ |
| Operating margin | -34.1% | -8.7% | ↑ |
| FCF margin | -17.5% | -26.8% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 15.9% | 2.5% | ↑ | Top 27% |
| Gross margin | 58.8% | 26.7% | ↑ | Bottom 35% |
| Operating margin | -8.7% | -34.1% | ↑ | Bottom 8% |
| Net margin | -9.8% | -76.6% | ↑ | — |
| Free-cash-flow margin | -26.8% | -17.5% | ↓ | — |
| Return on invested capital | 10.5% | — | Top 13% | |
| Revenue growth, 3-year CAGR | 7.1% | — | Bottom 21% |
Quality of earnings and balance sheet
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.9%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 10.9%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +16.8 pp
- Interest cover (operating income / interest)How many times operating profit covers interest.
- -0.2×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- -20.69%
- Shareholder yield
- -20.69%
- Share count change, 1 year
- +50.4%
- Share count change, 3-year CAGR
- +209.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 14, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 0 of 8
- Average EPS surprise, last 4
- -100.0%
- Average 2-day reaction, last 8
- -0.5%
- Positive 20 days after report
- 4 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 13, 2026 | -99.5% | -5.9% | -10.2% | -19.2% | — |
| May 15, 2026 | -108.0% | -4.5% | -2.7% | -13.4% | +3.6% |
| Mar 31, 2026 | -108.0% | +1.6% | +3.1% | +2.4% | -16.5% |
| Nov 14, 2025 | -112.0% | +1.8% | +8.3% | +59.6% | +34.9% |
| Aug 14, 2025 | -124.0% | -6.1% | -3.1% | -8.6% | -32.5% |
| May 14, 2025 | -180.8% | -4.0% | -11.3% | -82.6% | -73.9% |
| Apr 15, 2025 | -1060.0% | +8.3% | +116.7% | +366.0% | +4.9% |
| Nov 19, 2024 | -2812.0% | +4.8% | +0.0% | +12.9% | -29.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 13, 2026 | $0.00 | $0.25 | -99.5% | $19.5M |
| May 15, 2026 | -$0.02 | $0.25 | -108.0% | $18.0M |
| Mar 31, 2026 | -$0.02 | $0.25 | -108.0% | $15.7M |
| Nov 14, 2025 | -$0.03 | $0.25 | -112.0% | $13.7M |
| Aug 14, 2025 | -$0.06 | $0.25 | -124.0% | $13.5M |
| May 14, 2025 | -$0.21 | $0.26 | -180.8% | $15.2M |
| Apr 15, 2025 | -$2.40 | $0.25 | -1060.0% | $14.2M |
| Nov 19, 2024 | -$6.78 | $0.25 | -2812.0% | $14.9M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (forward) | 0.6× | — | — | — |
| EV / Sales | 1.84× | — | — | Top 25% |
| Free-cash-flow yield | -16.39% | — | — | Bottom 7% |
| Earnings yield | -8.63% | — | — | Bottom 7% |
P/E over the past five years
Range 6.0× – 86.2× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -6.8%
- 200-day average slope (20 days)
- -3.5%
- Distance from 50-day average
- -10.9%
- Distance from 200-day average
- -25.7%
- RSI (14)
- 40.4
- Relative volume
- 0.30×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 48.8%
- Volatility vs own 5-year history
- 24th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.95
- Correlation with S&P 500
- 0.11
- Current drawdown from 1-year high
- -51.8%
- Maximum drawdown, 3 years
- -89.0%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 28, 2022 | Jun 17, 2025 | -94.8% | 796 days | Not yet recovered |
| Mar 5, 2021 | Jun 9, 2021 | -27.4% | 66 days | 111 days (Nov 15, 2021) |
| Nov 22, 2021 | Dec 1, 2021 | -11.2% | 6 days | 50 days (Feb 11, 2022) |
| Oct 1, 2020 | Nov 5, 2020 | -10.8% | 25 days | 14 days (Nov 25, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $109.4M
- EPS, diluted (TTM)
- -$0.08
- Revenue (TTM)
- $66.9M
- 52-week range
- $0.86 – $2.00
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $36.6M | $47.4M | $64.7M | $60.6M | $58.2M |
| Gross profit | $30.1M | $34.7M | $26.8M | $15.8M | $27.9M |
| Operating income | $5.0M | $7.8M | -$5.6M | -$16.1M | -$12.7M |
| Net income | $5.1M | $6.2M | -$4.2M | -$39.9M | -$12.7M |
| EPS (diluted) | $1.29 | $1.56 | -$1.05 | -$10.01 | -$0.16 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $14.9M | $14.2M | $15.2M | $13.5M | $13.7M | $15.7M | $18.0M | $19.5M |
| Net income | -$27.0M | -$9.5M | -$2.8M | -$5.0M | -$2.7M | -$2.3M | -$1.8M | $143,000 |
| EPS (diluted) | -$6.78 | -$2.40 | -$0.07 | -$0.06 | -$0.03 | -$0.02 | -$0.02 | $0.00 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $7.6M | $7.0M | -$10.7M | $2.7M | -$14.2M |
| Capital expenditure | -$430,000 | -$414,000 | -$412,000 | -$55,000 | -$172,000 |
| Free cash flow | $7.2M | $6.6M | -$11.1M | $2.6M | -$14.3M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $0 | $0 | $0 | $0 | $85.6M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $242.9M
- Total assets
- $1.32B
- Total liabilities
- $1.23B
- Total debt
- $16.5M
- Net debt
- $13.9M
- Shareholders’ equity
- $88.9M
As of Jun 30, 2026 (filed Aug 14, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Dec 6, 2019 | $0.01 | Dec 19, 2019 |
| Aug 30, 2019 | $0.01 | Sep 13, 2019 |
| Jun 3, 2019 | $0.01 | Jun 11, 2019 |
| Mar 8, 2019 | $0.01 | Mar 18, 2019 |
| Nov 23, 2018 | $0.01 | Dec 4, 2018 |
| Aug 16, 2018 | $0.01 | Aug 24, 2018 |
| May 16, 2018 | $0.01 | May 22, 2018 |
| Feb 9, 2018 | $0.01 | Feb 16, 2018 |
Short interest
- Shares sold short
- 1,248,257
- Days to cover
- 4.61
- Change vs previous report
- +7.8%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Mar 4, 2015
- 1-for-10