PNBK
Patriot National Bancorp, Inc.
Banks - Regional
Market Cap$114M
5Y Perf.-83.6%
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Side-by-side financial analysisPNBK
PBFS
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Stock Comparison
PNBK vs PBFS
Revenue, margins, valuation, and 5-year total return — side by side.
PBFS
Pioneer Bancorp, Inc.
Banks - Regional
Market Cap$423M
5Y Perf.+84.4%
PNBK vs PBFS — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  PNBK |  PBFS |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $114M | $423M |
| Revenue (TTM) | $61M | $129M |
| Net Income (TTM) | $-12M | $20M |
| Gross Margin | 53.5% | 73.0% |
| Operating Margin | -19.1% | 19.2% |
| Forward P/E | 0.7x | 22.2x |
| Total Debt | $16M | $0.00 |
| Cash & Equiv. | $186M | $119M |
PNBK vs PBFS — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
PNBK
PBFS
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Patriot National Ba… (PNBK) | 100 | 16.4 | -83.6% |
| Pioneer Bancorp, In… (PBFS) | 100 | 184.4 | +84.4% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PNBK vs PBFS
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: PBFS leads in 4 of 7 categories, making it the strongest pick for profitability and margin quality and capital preservation and lower volatility. Patriot National Bancorp, Inc. is the stronger pick specifically for growth and revenue expansion and valuation and capital efficiency. As sector peers, any of these can serve as alternatives in the same allocation.
🥇PBFS emerged as the overall leader. Track its performance:
PNBK
Patriot National Bancorp, Inc.
The Banking Pick
PNBK is the clearest fit if your priority is growth exposure.
- Rev growth -4.0%, EPS growth 98.4%
- -4.0% NII/revenue growth vs PBFS's -10.7%
- Lower P/E (0.7x vs 22.2x)
Best for: growth exposure
PBFS
Pioneer Bancorp, Inc.
The Banking Pick
PBFS carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- beta 0.48
- 14.4% 10Y total return vs PNBK's -92.1%
- Lower volatility, beta 0.48, current ratio 0.24x
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  PNBK | -4.0% NII/revenue growth vs PBFS's -10.7% |
| Value | PNBK | Lower P/E (0.7x vs 22.2x) |
| Quality / Margins |  PBFS | Efficiency ratio 0.6% vs PNBK's 0.7% (lower = leaner) |
| Stability / Safety | PBFS | Beta 0.48 vs PNBK's 1.46 |
| Dividends | Tie | Neither stock pays a meaningful dividend |
| Momentum (1Y) | PBFS | +47.2% vs PNBK's -11.8% |
| Efficiency (ROA) | PBFS | Efficiency ratio 0.6% vs PNBK's 0.7% |
PNBK vs PBFS — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2024
PNBK vs PBFS — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLPBFSLAGGINGPNBK
PNBKPatriot National Banc…
1leads
PBFSPioneer Bancorp, Inc.
4leads
6 Total Categories
CATEGORYLEADERvs PNBKMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
PBFS4/5
Valuation MetricsMultiples, price ratios, and targets
PNBK3/3
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
PBFS7/8
Total Returns1Y, 3Y, 5Y total returns with dividends
PBFS6/6
Risk & VolatilityBeta, volatility, and downside exposure
PBFS2/2
Analyst OutlookRatings, price targets, and dividends
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Income & Cash Flow (Last 12 Months)
PBFS leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
PBFS is the larger business by revenue, generating $129M annually — 2.1x PNBK's $61M. PBFS is the more profitable business, keeping 15.3% of every revenue dollar as net income compared to PNBK's -19.2%.
| Metric | PNBKPatriot National … | PBFSPioneer Bancorp, … |
|---|---|---|
| RevenueTrailing 12 months | $61M | $129M |
| EBITDAEarnings before interest/tax | -$11M | $25M |
| Net IncomeAfter-tax profit | -$12M | $20M |
| Free Cash FlowCash after capex | -$12M | $21M |
| Gross MarginGross profit ÷ Revenue | +53.5% | +73.0% |
| Operating MarginEBIT ÷ Revenue | -19.1% | +19.2% |
| Net MarginNet income ÷ Revenue | -19.2% | +15.3% |
| FCF MarginFCF ÷ Revenue | -19.6% | +16.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +66.7% | -4.3% |
PBFS leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
PNBK leads this category, winning 3 of 3 comparable metrics.
Valuation Metrics
| Metric | PNBKPatriot National … | PBFSPioneer Bancorp, … |
|---|---|---|
| Market CapShares × price | $114M | $423M |
| Enterprise ValueMkt cap + debt − cash | -$56M | $304M |
| Trailing P/EPrice ÷ TTM EPS | -6.06x | 22.20x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.68x | — |
| PEG RatioP/E ÷ EPS growth rate | — | 0.76x |
| EV / EBITDAEnterprise value multiple | — | 9.24x |
| Price / SalesMarket cap ÷ Revenue | 1.96x | 4.80x |
| Price / BookPrice ÷ Book value/share | 0.80x | 1.35x |
| Price / FCFMarket cap ÷ FCF | — | 13.14x |
PNBK leads this category, winning 3 of 3 comparable metrics.
Profitability & Efficiency
PBFS leads this category, winning 7 of 8 comparable metrics.
Profitability & Efficiency
PBFS delivers a 6.2% return on equity — every $100 of shareholder capital generates $6 in annual profit, vs $-14 for PNBK. On the Piotroski fundamental quality scale (0–9), PBFS scores 6/9 vs PNBK's 4/9, reflecting solid financial health.
| Metric | PNBKPatriot National … | PBFSPioneer Bancorp, … |
|---|---|---|
| ROE (TTM)Return on equity | -13.5% | +6.2% |
| ROA (TTM)Return on assets | -1.1% | +0.9% |
| ROICReturn on invested capital | -12.8% | +8.1% |
| ROCEReturn on capital employed | -15.1% | +9.7% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 6 |
| Debt / EquityFinancial leverage | 0.17x | — |
| Net DebtTotal debt minus cash | -$170M | -$119M |
| Cash & Equiv.Liquid assets | $186M | $119M |
| Total DebtShort + long-term debt | $16M | $0 |
| Interest CoverageEBIT ÷ Interest expense | -0.42x | 0.79x |
PBFS leads this category, winning 7 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
PBFS leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in PBFS five years ago would be worth $14,000 today (with dividends reinvested), compared to $1,162 for PNBK. Over the past 12 months, PBFS leads with a +47.2% total return vs PNBK's -11.8%. The 3-year compound annual growth rate (CAGR) favors PBFS at 23.9% vs PNBK's -49.0% — a key indicator of consistent wealth creation.
| Metric | PNBKPatriot National … | PBFSPioneer Bancorp, … |
|---|---|---|
| YTD ReturnYear-to-date | -41.9% | +26.7% |
| 1-Year ReturnPast 12 months | -11.8% | +47.2% |
| 3-Year ReturnCumulative with dividends | -86.8% | +90.4% |
| 5-Year ReturnCumulative with dividends | -88.4% | +40.0% |
| 10-Year ReturnCumulative with dividends | -92.1% | +14.4% |
| CAGR (3Y)Annualised 3-year return | -49.0% | +23.9% |
PBFS leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
PBFS leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
PBFS is the less volatile stock with a 0.48 beta — it tends to amplify market swings less than PNBK's 1.46 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. PBFS currently trades 99.0% from its 52-week high vs PNBK's 48.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PNBKPatriot National … | PBFSPioneer Bancorp, … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.46x | 0.48x |
| 52-Week HighHighest price in past year | $2.00 | $17.04 |
| 52-Week LowLowest price in past year | $0.86 | $11.40 |
| % of 52W HighCurrent price vs 52-week peak | +48.5% | +99.0% |
| RSI (14)Momentum oscillator 0–100 | 31.9 | 70.2 |
| Avg Volume (50D)Average daily shares traded | 276K | 16K |
PBFS leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
| Metric | PNBKPatriot National … | PBFSPioneer Bancorp, … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | — |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | — | — |
| Dividend YieldAnnual dividend ÷ price | — | — |
| Dividend StreakConsecutive years of raises | 0 | — |
| Dividend / ShareAnnual DPS | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +1.5% |
Insufficient data to determine a leader in this category.
Key Takeaway
PBFS leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). PNBK leads in 1 (Valuation Metrics).
Best OverallPioneer Bancorp, Inc. (PBFS)Leads 4 of 6 categories
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PNBK vs PBFS: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is PNBK or PBFS a better buy right now?
For growth investors, Patriot National Bancorp, Inc.
(PNBK) is the stronger pick with -4. 0% revenue growth year-over-year, versus -10. 7% for Pioneer Bancorp, Inc. (PBFS). Pioneer Bancorp, Inc. (PBFS) offers the better valuation at 22. 2x trailing P/E, making it the more compelling value choice. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which is the better long-term investment — PNBK or PBFS?
Over the past 5 years, Pioneer Bancorp, Inc.
(PBFS) delivered a total return of +40. 0%, compared to -88. 4% for Patriot National Bancorp, Inc. (PNBK). Over 10 years, the gap is even starker: PBFS returned +14. 4% versus PNBK's -92. 1%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — PNBK or PBFS?
By beta (market sensitivity over 5 years), Pioneer Bancorp, Inc.
(PBFS) is the lower-risk stock at 0. 48β versus Patriot National Bancorp, Inc. 's 1. 46β — meaning PNBK is approximately 208% more volatile than PBFS relative to the S&P 500.
04Which is growing faster — PNBK or PBFS?
By revenue growth (latest reported year), Patriot National Bancorp, Inc.
(PNBK) is pulling ahead at -4. 0% versus -10. 7% for Pioneer Bancorp, Inc. (PBFS). On earnings-per-share growth, the picture is similar: Patriot National Bancorp, Inc. grew EPS 98. 4% year-over-year, compared to 24. 6% for Pioneer Bancorp, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
05Which has better profit margins — PNBK or PBFS?
Pioneer Bancorp, Inc.
(PBFS) is the more profitable company, earning 21. 8% net margin versus -21. 9% for Patriot National Bancorp, Inc. — meaning it keeps 21. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PBFS leads at 37. 3% versus -21. 8% for PNBK. At the gross margin level — before operating expenses — PBFS leads at 100. 0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Which pays a better dividend — PNBK or PBFS?
None of the stocks in this comparison currently pay a material dividend.
All are effectively zero-yield and should be held for capital appreciation rather than income.
07Is PNBK or PBFS better for a retirement portfolio?
For long-horizon retirement investors, Pioneer Bancorp, Inc.
(PBFS) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 48)). Both have compounded well over 10 years (PBFS: +14. 4%, PNBK: -92. 1%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
08What are the main differences between PNBK and PBFS?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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