Patriot National Bancorp, Inc. (PNBK) P/E Ratio History
Deep ValueTrading at -6.1x · 0th percentile of 5-year range · Significant discount to historical valuation · Data 1996–2023
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P/E Ratio Analysis
As of June 13, 2026, Patriot National Bancorp, Inc. (PNBK) trades at a price-to-earnings ratio of -6.1x, with a stock price of $0.97 and trailing twelve-month earnings per share of $-0.15.
The current P/E is 132% below its 5-year average of 19.2x. Over the past five years, PNBK's P/E has ranged from a low of 6.8x to a high of 84.6x, placing the current valuation at the 0th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.9x, PNBK trades at a 144% discount to its sector peers. The sector includes 784 companies with P/E ratios ranging from 0.0x to 197.4x.
Relative to the broader market, PNBK trades at a notable discount to the S&P 500 median P/E of 25.1x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our PNBK DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
PNBK Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
PNBK P/E vs Peers
Community and retail regional banks peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $359M | 8.0Lowest | 0.24Best | -8% | |
| $207M | 14.7 | 2.90 | +9% | |
| $423M | 22.2 | 0.76 | +25% | |
| $184M | 14.2 | - | +210% | |
| $1B | 13.1 | 1.29 | +18% | |
| $3B | 14.5 | 2.06 | +13% | |
| $2B | 16.9 | 2.65 | +331%Best | |
| $617M | 746.5 | - | -97% | |
| $553M | 20.9 | - | +130% | |
| $524M | 28.6 | - | +151% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
PNBK Historical P/E Data (1996–2023)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2023 Q2 | Jun 30 2023 | $7.88 | $0.72 | 10.9x | -58% |
| FY2023 Q1 | Mar 31 2023 | $8.82 | $1.18 | 7.5x | -71% |
| FY2022 Q4 | Dec 31 2022 | $10.60 | $1.56 | 6.8x | -74% |
| FY2022 Q3 | Sep 30 2022 | $11.07 | $1.59 | 7.0x | -73% |
| FY2022 Q2 | - | $12.17 | $1.34 | 9.1x | -65% |
| FY2022 Q1 | - | $16.93 | $1.28 | 13.2x | -49% |
| FY2021 Q4 | Dec 31 2021 | $15.55 | $1.30 | 12.0x | -54% |
| FY2021 Q3 | - | $10.43 | $0.47 | 22.2x | -15% |
| FY2021 Q2 | Jun 30 2021 | $9.13 | $0.11 | 84.6x | +224% |
| FY2019 Q1 | Mar 31 2019 | $15.52 | $0.58 | 26.8x | +3% |
| FY2018 Q4 | Dec 31 2018 | $14.25 | $0.77 | 18.5x | -29% |
| FY2018 Q3 | Sep 30 2018 | $22.50 | $0.88 | 25.6x | -2% |
| FY2018 Q2 | Jun 30 2018 | $20.07 | $0.94 | 21.4x | -18% |
| FY2018 Q1 | Mar 31 2018 | $19.40 | $0.89 | 21.8x | -16% |
| FY2017 Q4 | Dec 31 2017 | $17.85 | $1.06 | 16.8x | -35% |
| FY2017 Q3 | Sep 30 2017 | $16.87 | $1.18 | 14.3x | -45% |
| FY2017 Q2 | Jun 30 2017 | $16.45 | $1.13 | 14.6x | -44% |
| FY2017 Q1 | Mar 31 2017 | $15.05 | $1.08 | 13.9x | -47% |
| FY2016 Q4 | Dec 31 2016 | $14.05 | $0.81 | 17.3x | -33% |
| FY2016 Q3 | Sep 30 2016 | $13.28 | $0.68 | 19.5x | -25% |
| FY2016 Q2 | - | $13.15 | $0.63 | 20.9x | -20% |
| FY2016 Q1 | - | $13.01 | $0.64 | 20.3x | -22% |
| FY2015 Q4 | - | $14.55 | $0.54 | 26.9x | +3% |
| FY2015 Q2 | - | $15.61 | $4.16 | 3.8x | -86% |
| FY2015 Q1 | - | $15.43 | $4.09 | 3.8x | -86% |
| FY2014 Q4 | Dec 31 2014 | $16.40 | $4.12 | 4.0x | -85% |
| FY2014 Q3 | - | $17.40 | $4.90 | 3.6x | -86% |
| FY2012 Q3 | Sep 30 2012 | $16.00 | $0.31 | 50.8x | +95% |
| FY2012 Q2 | Jun 30 2012 | $16.10 | $0.41 | 39.3x | +51% |
| FY2008 Q2 | Jun 30 2008 | $152.50 | $4.47 | 34.1x | +31% |
| FY2008 Q1 | Mar 31 2008 | $155.00 | $4.77 | 32.5x | +25% |
| FY2007 Q4 | Dec 31 2007 | $159.70 | $5.57 | 28.7x | +10% |
| FY2007 Q3 | Sep 30 2007 | $199.20 | $5.58 | 35.7x | +37% |
| FY2007 Q2 | Jun 30 2007 | $219.80 | $5.98 | 36.8x | +41% |
| FY2007 Q1 | Mar 31 2007 | $225.00 | $6.48 | 34.7x | +33% |
| FY2006 Q4 | Dec 31 2006 | $264.50 | $6.58 | 40.2x | +54% |
| FY2006 Q3 | Sep 30 2006 | $240.80 | $6.27 | 38.4x | +47% |
| FY2006 Q2 | Jun 30 2006 | $290.00 | $5.37 | 54.0x | +107% |
| FY2006 Q1 | Mar 31 2006 | $241.30 | $5.17 | 46.7x | +79% |
| FY2005 Q4 | Dec 31 2005 | $207.50 | $5.07 | 40.9x | +57% |
| FY2005 Q3 | Sep 30 2005 | $188.70 | $4.61 | 40.9x | +57% |
| FY2005 Q2 | - | $192.60 | $4.51 | 42.7x | +64% |
| FY2005 Q1 | - | $181.20 | $4.11 | 44.1x | +69% |
| FY2004 Q4 | Dec 31 2004 | $184.00 | $3.81 | 48.3x | +85% |
| FY2004 Q3 | - | $142.90 | $4.07 | 35.1x | +35% |
| FY2004 Q2 | Jun 30 2004 | $140.30 | $4.37 | 32.1x | +23% |
| FY2004 Q1 | Mar 31 2004 | $151.40 | $4.77 | 31.7x | +22% |
| FY2003 Q4 | Dec 31 2003 | $125.00 | $5.47 | 22.9x | -12% |
| FY2003 Q3 | - | $109.90 | $5.14 | 21.4x | -18% |
| FY2003 Q2 | Jun 30 2003 | $100.10 | $5.24 | 19.1x | -27% |
| FY2003 Q1 | Mar 31 2003 | $97.30 | $5.04 | 19.3x | -26% |
| FY2002 Q4 | - | $94.00 | $4.34 | 21.7x | -17% |
| FY2002 Q3 | Sep 30 2002 | $84.50 | $4.16 | 20.3x | -22% |
| FY2002 Q2 | Jun 30 2002 | $83.50 | $3.46 | 24.1x | -7% |
| FY2002 Q1 | Mar 31 2002 | $81.00 | $3.16 | 25.6x | -2% |
| FY2001 Q4 | Dec 31 2001 | $83.00 | $3.66 | 22.7x | -13% |
| FY2001 Q3 | Sep 30 2001 | $78.50 | $4.04 | 19.4x | -25% |
| FY2001 Q2 | Jun 30 2001 | $90.00 | $4.54 | 19.8x | -24% |
| FY2001 Q1 | Mar 31 2001 | $85.00 | $4.24 | 20.0x | -23% |
| FY2000 Q4 | Dec 31 2000 | $72.50 | $3.34 | 21.7x | -17% |
| FY2000 Q3 | Sep 30 2000 | $82.50 | $3.40 | 24.3x | -7% |
| FY2000 Q2 | Jun 30 2000 | $90.00 | $3.30 | 27.3x | +5% |
| FY2000 Q1 | Mar 31 2000 | $106.25 | $4.70 | 22.6x | -13% |
| FY1999 Q3 | - | $100.63 | $5.30 | 19.0x | -27% |
| FY1999 Q1 | Mar 31 1999 | $91.25 | $4.90 | 18.6x | -29% |
| FY1998 Q4 | - | $88.75 | $4.10 | 21.6x | -17% |
| FY1998 Q3 | Sep 30 1998 | $91.25 | $3.00 | 30.4x | +17% |
| FY1998 Q1 | - | $108.75 | $2.90 | 37.5x | +44% |
| FY1997 Q4 | Dec 31 1997 | $67.50 | $2.50 | 27.0x | +4% |
| FY1997 Q3 | - | $66.88 | $3.00 | 22.3x | -15% |
| FY1997 Q2 | Jun 30 1997 | $65.00 | $2.90 | 22.4x | -14% |
| FY1997 Q1 | Mar 31 1997 | $65.00 | $2.40 | 27.1x | +4% |
| FY1996 Q4 | - | $62.50 | $2.60 | 24.0x | -8% |
| FY1996 Q3 | Sep 30 1996 | $70.00 | $0.96 | 72.9x | +180% |
Average P/E for displayed period: 26.1x
What if you invested $1,000 in PNBK back in 1996?
Total return with dividends reinvested · 30+ years of data
Calculate ReturnsHow much would $100/month in PNBK be worth today?
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Run the NumbersIs PNBK Undervalued Right Now?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
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Compare NowPNBK — Frequently Asked Questions
Quick answers to the most common questions about buying PNBK stock.
What is PNBK's P/E ratio?
Patriot National Bancorp, Inc. (PNBK) trailing twelve-month P/E ratio is -6.1x, based on TTM diluted EPS of $-0.15. The 5-year average P/E is 19.2x and the historical range spans 6.8x to 84.6x.
Is PNBK stock overvalued or undervalued?
PNBK trades at -6.1x P/E, below its 5-year average of 19.2x. At the 0th percentile of its historical range (6.8x–84.6x), the stock is priced at a discount to its own history.
Is PNBK stock expensive?
No, PNBK is not expensive on a historical basis. The current P/E of -6.1x is below the 5-year average of 19.2x and sits at the 0th percentile of its valuation range.
What is PNBK's historical P/E range?
Over the past 5 years, PNBK's P/E ratio has ranged from 6.8x to 84.6x, with a median of 16.8x and an average of 19.2x. The current P/E of -6.1x places the stock at the 0th percentile of this range. Full historical data spans 1996–2023.
How does PNBK's P/E compare to the S&P 500?
PNBK trades at -6.1x P/E versus the S&P 500 median of 25.1x. The 124% discount to the market suggests lower growth expectations or perceived higher risk.
How does PNBK's valuation compare to Financial Services peers?
Patriot National Bancorp, Inc. P/E of -6.1x compares to the Financial Services sector median of 13.9x. The discount suggests lower growth expectations, weaker margins, or higher perceived risk relative to peers. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is PNBK's PEG ratio?
PNBK PEG ratio is N/A, based on a P/E of -6.1x and EPS growth of 98.4%. PEG normalises P/E by growth and helps compare stocks with different earnings trajectories.
What is PNBK's earnings yield?
PNBK earnings yield is N/A, the inverse of its -6.1x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.