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Patriot National Bancorp, Inc. (PNBK) Financial Ratios

30 years of historical data (1996–2025) · Financial Services · Banks - Regional

View Quarterly Ratios →

P/E Ratio

↓

-6.06

↓-164% vs avg

5yr avg: 9.42

00%ile100

30Y Low4.0·High77.3

View P/E History →

EV/EBITDA

↓

N/A

—

5yr avg: 16.60

30Y Low7.1·High63.2

P/FCF

↓

N/A

—

5yr avg: 5.95

30Y Low2.9·High70.6

P/B Ratio

↑

0.80

↓-24% vs avg

5yr avg: 1.05

023%ile100

30Y Low0.2·High2.3

ROE

↓

-25.7%

↓+29% vs avg

5yr avg: -36.0%

017%ile100

30Y Low-164%·High31%

Debt/EBITDA

↓

N/A

—

5yr avg: 15.32

30Y Low0.4·High36.7

Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.

PNBK Valuation Multiples

Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow

Patriot National Bancorp, Inc. currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis.

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Market Cap	$114M	$142M	$8M	$15M	$42M	$61M	$39M	$50M	$56M	$70M	$56M
Enterprise Value	$-55876972	$-27760967	$-106771112	$164M	$119M	$135M	$125M	$142M	$120M	$162M	$123M
P/E Ratio →	-6.06	—	—	—	6.79	12.05	—	—	18.27	16.84	28.67
P/S Ratio	1.96	2.44	0.13	0.23	0.89	1.68	0.99	1.09	1.33	2.04	2.06
P/B Ratio	0.80	1.50	1.81	0.34	0.71	0.91	0.62	0.75	0.80	1.05	0.89
P/FCF	—	—	2.94	—	6.34	8.58	6.30	—	13.51	16.51	55.77
P/OCF	—	—	2.88	—	5.97	8.09	6.23	—	10.58	9.58	12.27

P/E links to full P/E history page with 30-year chart

PNBK EV Ratios

Enterprise-value multiples — capital-structure-neutral measures of total business value

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
EV / Revenue	—	-0.48	-1.76	2.53	2.51	3.69	3.16	3.08	2.87	4.75	4.56
EV / EBITDA	—	—	—	—	12.87	20.33	—	—	21.41	19.60	28.24
EV / EBIT	—	—	—	—	15.30	26.96	—	—	29.45	23.14	39.12
EV / FCF	—	—	-40.63	—	17.93	18.86	20.17	—	29.14	38.41	123.22

PNBK Profitability

Margins and return-on-capital ratios measuring operating efficiency

Patriot National Bancorp, Inc. earns an operating margin of -21.8%, below the Financial Services sector average of 20.2%. Operating margins have compressed from -8.7% to -21.8% over the past 3 years, signaling potential cost pressures or competitive headwinds. A negative ROE of -25.7% indicates the company is currently destroying shareholder equity.

Margins

Full margin charts and quarterly trend are on the Earnings History page

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Gross Margin	48.0%	48.0%	26.1%	41.4%	73.3%	82.0%	59.9%	49.6%	67.4%	82.2%	79.7%
Operating Margin	-21.8%	-21.8%	-26.6%	-8.7%	16.4%	13.7%	-10.5%	-8.1%	9.7%	20.5%	11.7%
Net Profit Margin	-21.9%	-21.9%	-65.9%	-6.5%	13.0%	13.9%	-9.6%	-6.1%	7.6%	12.1%	7.2%

Return on Capital

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
ROE	-25.7%	-25.7%	-164.0%	-8.0%	9.7%	7.8%	-5.9%	-4.1%	4.7%	6.4%	3.1%
ROA	-1.2%	-1.2%	-3.8%	-0.4%	0.6%	0.6%	-0.4%	-0.3%	0.4%	0.5%	0.3%
ROIC	-12.8%	-12.8%	-8.5%	-2.0%	3.2%	2.0%	-1.6%	-1.4%	1.5%	2.4%	1.1%
ROCE	-15.1%	-15.1%	-10.8%	-2.6%	4.3%	2.7%	-2.1%	-1.8%	2.0%	3.2%	1.5%

PNBK Leverage & Debt

Solvency and debt-coverage ratios — lower is generally safer

The company holds a net cash position — cash of $186M exceeds total debt of $16M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns.

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Debt / Equity	0.17	0.17	7.75	4.53	1.93	1.79	1.91	1.95	1.89	2.12	2.55
Debt / EBITDA	—	—	—	—	12.48	18.16	—	—	23.30	17.05	36.69
Net Debt / Equity	—	-1.79	-26.85	3.35	1.29	1.09	1.36	1.37	0.93	1.39	1.07
Net Debt / EBITDA	—	—	—	—	8.31	11.08	—	—	11.48	11.17	15.46
Debt / FCF	—	—	-43.57	—	11.58	10.28	13.87	—	15.63	21.90	67.46
Interest Coverage	-0.44	-0.44	-0.50	-0.18	0.72	0.71	-0.30	-0.20	0.33	1.01	1.04

Net cash position: cash ($186M) exceeds total debt ($16M)

PNBK Liquidity & Efficiency

Short-term solvency ratios and asset-utilisation metrics

The current ratio of 0.44x is below 1.0, meaning current liabilities exceed current assets. The current ratio has improved from 0.10x to 0.44x over the past 3 years.

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Current Ratio	0.44	0.44	0.18	0.10	0.15	0.19	0.13	0.12	0.15	0.12	0.22
Quick Ratio	0.44	0.44	0.18	0.10	0.15	0.19	0.13	0.12	0.15	0.12	0.22
Cash Ratio	0.19	0.19	0.15	0.06	0.04	0.06	0.05	0.05	0.09	0.08	0.17
Asset Turnover	—	0.05	0.06	0.06	0.05	0.04	0.05	0.05	0.04	0.04	0.04
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—
Days Sales Outstanding	—	—	—	—	—	—	—	—	—	—	—

PNBK Shareholder Yields

Earnings, FCF, buyback, and dividend yields — total returns to shareholders

Patriot National Bancorp, Inc. does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business.

Dividends

Full dividend history and growth charts are on the Dividend History page

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Dividend Yield	—	—	—	—	—	—	—	—	—	—	—
Payout Ratio	—	—	—	—	—	—	—	—	4.8%	1.9%	—

Total Shareholder Return Metrics

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Earnings Yield	—	—	—	—	14.7%	8.3%	—	—	5.5%	5.9%	3.5%
FCF Yield	—	—	34.0%	—	15.8%	11.7%	15.9%	—	7.4%	6.1%	1.8%
Buyback Yield	0.0%	—	—	—	—	—	—	—	—	—	—
Total Shareholder Yield	0.0%	—	—	—	—	—	—	—	—	—	—
Shares Outstanding	—	$78M	$4M	$4M	$4M	$4M	$4M	$4M	$4M	$4M	$4M

Peer Comparison

Compare PNBK with 10 similar companies in its peer group

Company	Market Cap	P/E	EV/EBITDA	P/FCF	Gross Margin	Op Margin	ROE	ROIC	Debt/EBITDA
PNBKYou	$114M	-6.1	—	—	48.0%	-21.8%	-25.7%	-12.8%	—
NECB	$359M	8.0	5.6	7.1	66.1%	39.6%	13.3%	12.5%	1.2
CZWI	$207M	14.7	15.7	19.9	54.7%	7.0%	7.9%	2.0%	5.8
PBFS	$423M	22.2	9.2	13.1	100.0%	37.3%	6.3%	8.1%	—
MNSB	$184M	14.2	11.9	17.3	54.4%	14.0%	7.3%	5.0%	3.7
CTBI	$1B	13.1	12.3	13.2	66.7%	31.0%	12.2%	8.2%	3.0
NBTB	$3B	14.5	11.0	11.5	72.1%	25.3%	9.9%	7.9%	1.4
DCOM	$2B	16.9	-1.4	9.7	56.1%	21.5%	7.7%	5.6%	2.4
NFBK	$617M	746.5	63.8	11.8	35.3%	9.3%	0.1%	0.8%	39.6
KRNY	$553M	20.9	45.8	25.8	44.1%	9.0%	3.5%	1.1%	35.0
FFIC	$524M	28.6	24.8	9.4	41.9%	7.6%	2.6%	1.7%	14.9
Financial Services Median	—	13.9	11.5	11.2	64.1%	20.2%	9.0%	5.4%	4.3

Peer selection based on competitive and market overlap. Compare multiple stocks →

Download Financial Ratios Data

Includes 30+ ratios · 30 years · Updated daily

PNBK — Frequently Asked Questions

Quick answers to the most common questions about buying PNBK stock.

What is Patriot National Bancorp, Inc.'s P/E ratio?

Patriot National Bancorp, Inc.'s current P/E ratio is -6.1x. The historical average is 26.9x.

What is Patriot National Bancorp, Inc.'s ROE?

Patriot National Bancorp, Inc.'s return on equity (ROE) is -25.7%. The historical average is -7.1%.

Is PNBK stock overvalued?

Based on historical data, Patriot National Bancorp, Inc. is trading at a P/E of -6.1x. Compare with industry peers and growth rates for a complete picture.

What are Patriot National Bancorp, Inc.'s profit margins?

Patriot National Bancorp, Inc. has 48.0% gross margin and -21.8% operating margin.