Dollar cost averaging (DCA) in PNBK means investing a fixed amount at regular intervals, regardless of share price. This strategy reduces timing risk and builds wealth steadily through market ups and downs.
How This Calculator Works
Our DCA calculator simulates real market conditions using historical price data. It accounts for dividend reinvestment (DRIP), where each dividend payment automatically purchases additional shares. You can adjust the investment amount, frequency, time period, and compare against benchmarks like the S&P 500 and Nasdaq-100.
More PNBK Analysis
PNBK DCA Calculator
Dollar Cost Averaging — Patriot National Bancorp, Inc.
Same amount invested each month — only the day of purchase changes. How much does intra-month timing actually matter?
Best Timing DCA
StrategyBuy on monthly low
Total Return-71.7%
Final Value$13.7K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return-75.6%
Final Value$11.9K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return-78.5%
Final Value$10.4K
Worst possible — still beats not investing
Best vs Worst gap6.8 pp
Your timing vs best-3.9%
Your timing vs worst+2.9%
If You Keep Investing…
Based on this stock's historical CAGR of -19.6%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$18K~1.0x your moneyfrom $18K invested
5 Years$30K~1.0x your moneyfrom $30K invested
10 Years$60K~1.0x your moneyfrom $60K invested
20 Years$120K~1.0x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.0x your money
5 Years~1.0x your money
10 Years~1.0x your money
20 Years~1.0x your money
$100/mo
$4K+$0 est. gain
$6K+$0 est. gain
$12K+$0 est. gain
$24K+$0 est. gain
$250/mo
$9K+$0 est. gain
$15K+$0 est. gain
$30K+$0 est. gain
$60K+$0 est. gain
$500/mo
$18K+$0 est. gain
$30K+$0 est. gain
$60K+$0 est. gain
$120K+$0 est. gain
$1,000/mo
$36K+$0 est. gain
$60K+$0 est. gain
$120K+$0 est. gain
$240K+$0 est. gain
* Projection assumes historical CAGR of -19.6% continues. Actual returns will vary.
Your DCA Results by Date
78 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Jan 2, 2020
$12.82
$10,000
$10,000
+0.00%
$0
Feb 3, 2020
$13.27
$10,500
$10,851
+3.34%
$351
Mar 2, 2020
$13.50
$11,000
$11,539
+4.90%
$539
Apr 1, 2020
$6.12
$11,500
$5,731
-50.16%
$-5,769
May 1, 2020
$5.75
$12,000
$5,885
-50.96%
$-6,115
Jun 1, 2020
$5.75
$12,500
$6,385
-48.92%
$-6,115
Jul 1, 2020
$6.16
$13,000
$7,340
-43.54%
$-5,660
Aug 3, 2020
$6.04
$13,500
$7,697
-42.99%
$-5,803
Sep 1, 2020
$6.89
$14,000
$9,280
-33.71%
$-4,720
Oct 1, 2020
$7.50
$14,500
$10,602
-26.89%
$-3,898
Nov 2, 2020
$6.84
$15,000
$10,169
-32.21%
$-4,831
Dec 2, 2020
$7.99
$15,500
$12,378
-20.14%
$-3,122
Jan 4, 2021
$9.74
$16,000
$15,589
-2.57%
$-411
Feb 2, 2021
$9.92
$16,500
$16,378
-0.74%
$-122
Mar 2, 2021
$10.91
$17,000
$18,512
+8.89%
$1,512
Apr 1, 2021
$10.48
$17,500
$18,282
+4.47%
$782
May 3, 2021
$9.12
$18,000
$16,410
-8.83%
$-1,590
Jun 1, 2021
$8.44
$18,500
$15,686
-15.21%
$-2,814
Jul 1, 2021
$9.15
$19,000
$17,506
-7.86%
$-1,494
Aug 2, 2021
$8.86
$19,500
$17,451
-10.51%
$-2,049
Sep 1, 2021
$9.29
$20,000
$18,798
-6.01%
$-1,202
Oct 1, 2021
$10.06
$20,500
$20,856
+1.74%
$356
Nov 2, 2021
$9.77
$21,000
$20,755
-1.17%
$-245
Dec 2, 2021
$14.01
$21,500
$30,262
+40.75%
$8,762
Jan 3, 2022
$15.48
$22,000
$33,937
+54.26%
$11,937
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Frequently Asked Questions
Common questions about DCA investing in PNBK
Investing $500 per month in Patriot National Bancorp, Inc. (PNBK) over the past 6 years would be worth approximately $12K today. That's -75.6% total return on $49K invested, with a -19.6% compound annual growth rate (CAGR).