Last 48 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | -6.06 | — | — | — | — | — | — | — | — | — | 4.16 | — | — |
| — | — | — | — | — | — | — | — | — | — | -29.3% | — | — | |
| P/S Ratio | 1.96 | 1.40 | 2.26 | 1.85 | 2.20 | 0.78 | 0.14 | 0.13 | 0.12 | 0.23 | 0.21 | 0.45 | 0.49 |
| — | +78.7% | +1559.2% | +1354.8% | +1700.0% | +241.9% | -35.5% | -72.0% | -74.9% | -62.1% | -69.1% | -47.7% | -57.9% | |
| P/B Ratio | 0.80 | 1.12 | 1.50 | 1.07 | 1.79 | 0.83 | 1.82 | 0.46 | 0.18 | 0.34 | 0.34 | 0.73 | 0.60 |
| — | +34.0% | -17.3% | +131.8% | +877.7% | +143.9% | +429.2% | -37.2% | -69.2% | -46.6% | -51.0% | -3.0% | -26.2% | |
| P/FCF | — | — | — | — | 32.34 | — | — | — | 0.31 | 2.12 | — | — | 2.02 |
| — | — | — | — | +10333.2% | — | — | — | -84.6% | — | — | — | -68.3% | |
| EV / EBITDA | — | — | — | — | — | — | — | — | — | 341.51 | 25.69 | — | — |
| — | — | — | — | — | — | — | — | — | — | +143.9% | — | — | |
| EV / EBIT | — | — | — | — | — | — | — | — | — | — | 32.20 | — | — |
| — | — | — | — | — | — | — | — | — | — | +163.5% | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Patriot National Bancorp, Inc.'s operating margin was -9.7% in Q1 2026, up 4.0 pp QoQ and up 8.6 pp YoY. This marks the 4th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of -20.0% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 51.7% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 48.0% | 58.4% | 62.0% | 55.6% | 34.6% | 38.5% | -8.0% | 40.5% | 25.9% | 43.0% | 56.3% | 18.3% | 44.4% |
| — | +51.7% | +873.5% | +37.1% | +33.8% | -10.4% | -114.2% | +121.9% | -41.7% | -5.6% | -9.0% | -76.1% | -43.5% | |
| Operating Margin | -21.8% | -9.7% | -13.7% | -19.4% | -37.4% | -18.3% | -67.2% | -15.5% | -26.3% | -1.4% | 7.0% | -31.5% | -5.3% |
| — | +47.0% | +79.5% | -24.8% | -42.1% | -1175.3% | -1053.1% | +50.8% | -398.5% | +78.3% | -55.6% | -260.6% | -131.6% | |
| Net Margin | -21.9% | -9.8% | -14.5% | -19.3% | -37.0% | -18.3% | -67.2% | -181.3% | -20.2% | -1.8% | 5.0% | -23.3% | -3.8% |
| — | +46.6% | +78.5% | +89.3% | -82.9% | -894.2% | -1439.1% | -678.4% | -427.5% | +62.0% | -56.8% | -226.7% | -131.7% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -25.7% | -1.9% | -2.4% | -3.3% | -8.1% | -9.0% | -92.5% | -94.7% | -7.3% | -0.7% | 2.1% | -8.2% | -1.1% |
| — | +79.0% | +97.4% | +96.5% | -10.8% | -1231.2% | -4409.8% | -1061.0% | -537.2% | +44.5% | -28.7% | -306.6% | -155.6% | |
| ROA | -1.2% | -0.2% | -0.2% | -0.3% | -0.5% | -0.3% | -1.0% | -2.7% | -0.3% | -0.0% | 0.1% | -0.3% | -0.1% |
| — | +45.1% | +76.8% | +89.4% | -81.8% | -922.1% | -1283.9% | -716.7% | -436.2% | +57.7% | -51.8% | -248.6% | -143.5% | |
| ROIC | -12.8% | -1.1% | -1.5% | -2.0% | -4.5% | -3.5% | -8.1% | -0.9% | -1.4% | -0.1% | 0.4% | -1.3% | -0.2% |
| — | +67.4% | +81.9% | -112.2% | -221.3% | -4429.8% | -2343.3% | +29.3% | -474.3% | +77.8% | -61.6% | -244.5% | -134.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
The current ratio has weakened 82.2% YoY to 0.03x, tightening the short-term liquidity position.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.17 | 0.29 | 0.17 | 0.17 | 0.34 | 0.42 | 7.75 | 7.56 | 4.61 | 3.69 | 4.53 | 6.13 | 4.52 |
| — | -30.1% | -97.8% | -97.7% | -92.7% | -88.6% | +71.1% | +23.3% | +2.0% | +11.9% | +134.4% | +128.6% | +107.0% | |
| Debt / EBITDA | — | — | — | — | — | — | — | — | — | 1964.57 | 126.16 | — | — |
| — | — | — | — | — | — | — | — | — | — | +207.8% | — | — | |
| Current Ratio | 0.44 | 0.03 | 0.44 | 0.33 | 0.24 | 0.15 | 0.18 | 0.20 | 0.23 | 0.18 | 0.10 | 0.21 | 0.19 |
| — | -82.2% | +144.1% | +63.3% | +3.7% | -20.5% | +86.8% | -0.6% | +20.0% | -0.4% | -36.3% | +40.0% | +38.3% | |
| Quick Ratio | 0.44 | 0.03 | 0.44 | 0.33 | 0.24 | 0.15 | 0.18 | 0.20 | 0.23 | 0.18 | 0.10 | 0.21 | 0.19 |
| — | -82.2% | +144.1% | +63.3% | +3.7% | -20.5% | +86.8% | -0.6% | +20.0% | -0.4% | -36.3% | +40.0% | +38.3% | |
| Interest Coverage | -0.44 | -0.23 | -0.34 | -0.41 | -0.69 | -0.32 | -1.24 | -0.30 | -0.49 | -0.03 | 0.15 | -0.60 | -0.11 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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Patriot National Bancorp, Inc.'s current P/E is -6.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Patriot National Bancorp, Inc.'s current operating margin is -21.8%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Patriot National Bancorp, Inc.'s business trajectory between earnings reports.